Maruti Car Insurance

Owning a Maruti Suzuki car comes with the assurance of reliability and affordability. However, even the most dependable vehicles are not immune to risks on the road. From minor dents in city traffic to major accidents or natural calamities, unexpected events can lead to financial losses and inconvenience. That is where a trusted Maruti Suzuki car insurance policy becomes essential.

Legal Compliance: A car insurance policy for your Maruti is mandatory under the Motor Vehicle Act, helping you avoid penalties and legal hassles. Driving without a valid Maruti insurance can lead to a fine of ₹2,000 for the first offence and ₹4,000 for the second, along with a potential jail term of up to 6 months.

Financial Security: Comprehensive Suzuki car insurance covers repair or replacement costs due to accidents, theft or natural disasters.

Cashless Repairs: With TATA AIG’s wide network, enjoy cashless car insurance for Maruti at network garages across India.

Custom Protection: You can enhance your Maruti car insurance policy with add-ons like Zero Depreciation, Engine Protection or Roadside Assistance for complete security.

If you’re looking for a reliable Maruti Suzuki insurance, here are the three main types to choose from:

Third Party Maruti Suzuki Motor Insurance

Third-party insurance is mandatory under the Motor Vehicles Act. It provides coverage for injuries, property damage or death caused to a third party in an accident involving your Maruti Suzuki. It is the minimum legal requirement to drive on Indian roads. Personal accident cover for the owner-driver is compulsory and must be purchased separately if it is not already active through another vehicle.

Comprehensive Maruti Suzuki Car Insurance

Comprehensive insurance offers wider protection by covering both third-party liabilities and damage to your own car. It includes coverage for accidents, theft, fire and natural events such as floods or storms. This plan can be enhanced with optional add-ons, such as zero depreciation cover, roadside assistance, and others, as per your requirements. Personal accident cover is not included by default and needs to be bought separately if not already held.

Also Read: Risks Covered Under Comprehensive Car Insurance

Stand-Alone Own-Damage Insurance for Maruti Suzuki

A stand-alone own damage plan provides coverage only for damage to your own vehicle. It is available to those who already have an active third-party insurance policy. It protects against accidental damage, theft, fire, and natural calamities, but does not cover third-party liabilities. It is a good option for those who want to expand their protection without buying a full comprehensive plan.

Also Read: First Party Car Insurance

TATA AIG’s Maruti Suzuki car insurance provides comprehensive coverage to protect both your car and yourself. Key inclusions are:

Total Loss/Theft Cover: Protection against complete loss of your Maruti Suzuki car due to theft or damage beyond repair.

Accidental Damage: Covers repair costs arising from accidental damage to your Maruti Suzuki car.

Third Party Liability: Legal and financial protection if your car causes damage to a third-party person or property.

Natural Calamities: Coverage for damages caused by events like earthquakes, cyclones, floods, frost and other natural disasters.

Personal Accident Cover: Up to ₹15 lakhs for the owner-driver, covering injuries or death sustained in an accident.

Fire and Self-Ignition: Protection against damages caused by fire, self-ignition, riots, vandalism, terrorism, and similar human-related events.

Optional Add-on Covers: Add-ons, including Zero Depreciation Cover, Engine Protection, Return to Invoice, Roadside Assistance, and more, providing enhanced protection against specific damages.

While TATA AIG provides wide-ranging coverage, certain scenarios are not covered under the standard policy.

• Driver Fault/ Legal Non-Compliance: Damages caused when the driver is under the influence of intoxicating substances, does not have a valid driving license, or drives negligently.
• Geographical Limitations: Damages occurring outside the geographical area (outside India) specified in the policy.
• Wear and Tear/Maintenance: Costs arising from normal wear and tear or general maintenance of your Maruti car. Only specific add-ons cover some consumables partially.
• Commercial/Racing Use: Damages if the car is used for racing, commercial purposes, or any activity not permitted under the policy.
• Specific Add-On Items Not Taken: Certain types of damage are only covered by add-ons; if an add-on is not purchased, that damage is excluded.
• Extraordinary Events: Damages arising from war, nuclear threats, or war-like situations are excluded.

Your Maruti Suzuki car is more than just a vehicle. It is a part of your daily life and a valuable asset. Protecting it with TATA AIG car insurance ensures that you drive with confidence, knowing that your car is covered against a wide range of risks.

Trusted by Millions of Customers

Our customer-centric approach has earned the trust of over 5 crore+ satisfied customers across India. Our team pays attention to every car owner’s unique insurance needs, helping you select the right coverage and add-ons for your Maruti Suzuki.

High Claim Settlement Ratio

With a 98% claim settlement ratio, TATA AIG demonstrates its commitment to timely, transparent and hassle-free claims. Whether it’s a minor scratch or a major accident, you can rely on us to settle claims efficiently and fairly.

Customisable Add-Ons

TATA AIG allows you to choose from a range of over 20+ add-ons, including Zero Depreciation, Engine Protect, and Roadside Assistance, for enhanced all-around security.

Nationwide Support Network

With 750+ claim experts spread across the country, TATA AIG ensures your insurance journey, right from selecting a plan to renewing it. Our extensive network also includes 5900+ cashless garages across India for quick repair support.

If you are booking a Maruti car insurance policy from TATA AIG for the first time, the process is simple and fully digital.

• Visit the TATA AIG Website

Go to the Car Insurance page and enter your vehicle registration number. Click on “Get Price” to start the process.

• Fill in the Car Details

Provide the required details, such as model, variant, year of manufacture, and location, to get an accurate insurance quote.

• Choose the Right IDV(Insured Declared Vehicle)

Select a suitable IDV for your Maruti Suzuki. This is crucial because it determines the maximum sum insured and ensures your car has adequate protection.

• Select Add-Ons

Customise your comprehensive policy with useful add-ons like Zero Depreciation, Roadside Assistance, or Engine Protection to enhance your coverage.

• Make Secure Payment

Complete the purchase through our secure online payment gateway. Multiple payment options such as net banking, debit/credit card, and UPI are available.

Once the payment is done, a soft copy of your Maruti Suzuki car insurance policy will be sent to your registered email ID for immediate access.

• Visit the TATA AIG Website

Explore the Car Insurance page and click on the “Renew” option to begin the process.

• Enter Policy Details

Provide your existing TATA AIG car insurance policy number and other required details.

• Update Claim History

If you made a claim during the policy period, mention it. If you have not filed any claims, you will be eligible for a No Claim Bonus (NCB) discount on your premium.

• Review Your Coverage

Choose to continue with your current coverage or enhance it by adding extra protection through TATA AIG’s range of 20 add-ons.

• Make Payment

Pay securely through the online portal. The Maruti Suzuki insurance renewal is processed instantly without any paperwork.

A digital copy of your renewed Maruti car insurance policy will be sent to your email, ensuring uninterrupted coverage and a complete sense of relief.

Also Read: How to Buy or Renew Car Insurance

If you are purchasing a pre-owned Maruti Suzuki car, getting a valid insurance policy in place is essential before you take it on the road. Whether the existing policy has expired or is not being transferred, you can easily purchase a new Maruti car insurance online.

The step-by-step process to buy car insurance for a used car is as follows:

• Enter vehicle information: Input the registration number of the car. If not available, you can provide details like make, model, fuel type, and year of registration.
• Provide location details: Mention the city and the Regional Transport Office (RTO) to help calculate the correct premium.
• Enter personal information: Fill in your name, mobile number and email address to generate policy options.
• Compare insurance plans: Review and compare offerings from different insurers based on premium cost, features, and claim support.
• Choose add-ons if needed: You may opt for optional covers such as zero depreciation, engine protection, or roadside assistance.
• Make the payment: Pay the premium through available digital payment options.
• Receive the policy: Once the payment is completed, your policy document will be shared with you via email.

This process allows you to insure your second-hand Maruti Suzuki quickly and conveniently, without the need for paperwork or in-person visits.

24x7 Access: You can buy or renew your TATA AIG Maruti car insurance at any time using your phone, tablet, or computer. The process is fully digital and available whenever you need it, making it convenient for busy schedules and last-minute Maruti Suzuki Insurance renewals.

Lower Premiums: Purchasing Maruti insurance online helps you save on agent commissions and administrative costs. Additionally, the car insurance calculator allows you to compare plans easily and choose the best premium based on your car’s model, age and location, ensuring cost-effective protection.

Quick and Secure Renewal: Renewing your Maruti car insurance is quick and straightforward. Enter your details, choose a suitable plan, and complete the payment through a secure payment gateway. You also get reminders for Maruti Suzuki insurance renewal, preventing gaps in coverage.

Instant Policy Issuance and Download: Once the payment is complete, your policy is issued instantly. You can download it directly from your email or can access it anytime through your TATA AIG profile, ensuring you have proof of insurance whenever required.

Transparent Comparison and Choice: Buying car insurance online allows you to view all available plans, benefits and add-ons in one place. You can compare features like Zero Depreciation, Engine Protection, and Return to Invoice to make an informed decision.

Cashless Claim Assistance: With TATA AIG’s extensive network of garages, you can benefit from cashless repairs, reducing the financial burden during accidents. The online platform helps you locate nearby network garages quickly.

Easy Claim Tracking: After purchasing your Maruti car insurance online, you can check your car insurance status online and track the progress of claims conveniently, giving you peace of mind and full transparency throughout the claim process.

Flexible Payment Options: TATA AIG’s online platform supports multiple payment modes, including credit/debit card, giving you the flexibility to choose the method that suits you best.

Comprehensive Coverage Options: Choose from third-party, own damage, or comprehensive plans based on your needs. Support is also available for commercial vehicle insurance and policy renewal.

If you want to calculate the insurance amount for your Maruti Suzuki car, the first step is to know the Insured Declared Value (IDV) of your car, which essentially is the current market value of the car. You can get this from your Maruti dealership or estimate it online.

To know how much insurance coverage you need for your car, you can make use of our TATA AIG online car insurance premium calculator, customise your plan with add-ons like zero depreciation or roadside assistance in your comprehensive car insurance cover and protect yourself and your car against a variety of specific damages.

Enhance your Maruti Suzuki car insurance with these 13 valuable add-ons to extend your policy’s protection:

No Claim Bonus Protection

The NCB Protection cover allows you to retain your No Claim Bonus even if you make one approved claim during the policy term. It helps you maintain a lower premium at renewal despite a claim being filed.

Roadside Assistance

You can access 24/7 support for emergencies such as breakdowns, flat tyres, battery issues or towing needs. Help is just a call away, no matter where you are. This cover plays a crucial role when stranded at an unknown location.

Repair of Glass, Fibre, and Plastic Parts

This cover pays for repairs to non-metallic components like mirrors, bumpers, and interior plastic parts, which are usually not covered under basic policies.

Daily Allowance

If your car is undergoing repairs due to a claimable event, you will receive a fixed daily amount to cover transportation expenses for the duration of the repair.

Emergency Transport and Hotel Expenses

In case of an accident that leaves you stranded away from home, this cover reimburses the cost of emergency transport and hotel accommodation, subject to policy limits.

Key Replacement

If your car keys are lost, stolen or damaged, this add-on covers the cost of replacing them, including reprogramming or rekeying if needed.

Engine Secure

This add-on covers repairs or replacement of your engine and gearbox if they are damaged due to water ingress, lubricant leakage, or other non-accident-related mechanical issues.

Tyre Secure

It covers the cost of replacing or repairing tyres and tubes that have been damaged accidentally or due to road hazards. Regular wear and tear are not covered.

Consumables Cover

Consumables Cover add-on reimburses the cost of consumables used during repairs, including engine oil, brake fluid, nuts, bolts, screws, grease, and coolant, which are not usually covered under standard plans.

Loss of Personal Belongings

If your personal items are stolen or damaged during a covered incident involving your car, this cover reimburses you for the loss, subject to policy terms.

Return to Invoice

In case of a total loss or theft of the insured vehicle, the Return to Invoice add-on bridges the gap between the Insured Declared Value and the original invoice value of a new vehicle of the same model. It also includes registration charges and road tax.

Zero Depreciation Car Insurance

Zero Depreciation cover ensures that the claim amount is settled without factoring in the depreciation of parts. You will receive the full cost of repairs or replacement parts as per the invoice.

Courtesy of Hire Car Cover

If your car is in the workshop for repairs after an insured event, this cover provides you with a temporary replacement vehicle so you can continue your daily activities without disruption.
Opting for these add-ons ensures smooth Maruti insurance renewal and improves vehicle insurance renewal value, even with third-party car insurance coverage.

Additional Towing Charges Cover

If your car is stranded after an accident, towing it to a garage can often cost more than the standard limited covered policy. This add-on takes care of the extra towing expenses to the nearest authorised workshop, saving you from unexpected out-of-pocket costs.

Misfuelling Cover

If you accidentally fill the wrong type of fuel, such as diesel instead of petrol, this add-on covers the cost of draining, cleaning and repairing the fuel system.

Emergency Medical Expenses Cover

Accidents can lead to unexpected medical costs. This add-on provides financial support by covering immediate medical expenses for you and your passengers.

Electric Surge Secure Cover (EVs)

Designed for electric vehicles, this add-on is meant to safeguard the battery and charger against damage caused by short circuits, arcing or water seepage.

**Vehicle Loan Protector Cover **

If the owner-driver of the car passes away or suffers permanent disability due to an accident, this add-on covers the outstanding car loan, relieving your family of financial burden.

Reinstate Cover

Sometimes, small damages may go unclaimed until a larger claim arises later. This cover makes sure such minor damages are also taken care of when included along with another valid claim.

Battery Depreciation cover

Since batteries depreciate over time, insurers usually deduct depreciation during replacement. The add-on reimburses the full replacement cost of the battery if damaged in an accident.

Additional Third-Party Property Damage Cover

While the third-party standard liability cover is limited to ₹7.5 lakh, this add-on enhances that limit, offering extended protection if you accidentally damage other third-party property.

Personal Accidental Cover for Passengers

This add-on offers financial protection in case of accidental injuries or the death of passengers travelling with you.

Electrical Accessories Cover

Provides coverage for damages to additional accessories such as music systems, fog lamps or GPS units. It is especially useful for high-value electrical accessories.

Also Read: Car Insurance Add-On Covers

With TATA AIG, filing a claim for your Maruti Suzuki is quick and hassle-free. You simply need to register the claim within 48 to 72 hours of the incident.

Cashless Claims

• Register: Inform us within 48 to 72 hours, and file your claim online by logging in to your account. Provide details, including policy number, name, contact information and driving license details.
• Self-Inspection/ Surveyor Visit: You will be required to upload the photos or videos using the link provided of the damage for self-inspection. A surveyor will then visit to assess the vehicle and estimate repair costs.
• Choose a Network Garage: For cashless claims. Take your vehicle to any TATA AIG-authorised network garage. The garage performs the repairs without requiring upfront payment.
• Settle: We pay the garage directly once the repairs are complete as per your policy; you only cover deductibles.

Reimbursement Claims

If you are unable to find a cashless garage nearby, here is the claim process you can follow.

• Repair First: You can get your Maruti Suzuki car repaired at a non-network garage and later apply for reimbursement. You initially pay the repair cost.
• Submit Docs: Keep your documents, including the policy document copy, registration certificate(RC), driving license, repair bills and estimates, identity and address proof, photographs of the damage and FIR copy(if required)
• Survey and Verification: Our surveyor validates the claim. Checks documents and verifies the claim amount. .
• Reimbursement: After approval, TATA AIG reimburses the eligible amount based on your policy.

Also Read: Car Insurance Claim Process

Filing a claim for your Maruti Suzuki car insurance becomes easier when you have all the required documents ready.

Whether you are submitting a new claim or filing after a recent Maruti car insurance renewal, make sure the following documents are in place:

• Copy of the Maruti Suzuki car insurance policy: This confirms that your vehicle is currently insured under a valid policy.
• Valid driving licence of the insured person: A clear copy of the driving licence of the person driving the vehicle at the time of the incident.
• Registration Certificate (RC) of the insured vehicle: The Registration certificate is a legal proof of vehicle ownership.
• First Information Report (FIR): Required in cases of theft, injury to third parties, or major damage to property or vehicle.
• Duly filled and signed claim form: This is mandatory to initiate the claim process and must include all relevant details of the incident.
• Proof of recent Maruti insurance policy renewal, if applicable: If your insurance policy was recently renewed, a copy of the Maruti car insurance renewal confirmation may be requested.
• Photographs of the vehicle damage: These help validate the extent of the damage caused due to the incident, although an inspection may be done when required.
• Original keys of the vehicle: Vehicle keys are generally required in theft-related claims.
• RTO transfer documents (Forms 28, 29, and 30): These may be needed if the claim involves total loss or vehicle theft.
• No Trace Report: A police-issued report confirming that the vehicle could not be recovered, required in theft cases.
• Repair bills and receipts: In case of reimbursement claims, keep the original bills and payment receipts ready.
• Any other documents requested by the insurance company: Based on the nature of the claim, your insurer may ask for additional documents.

With 17 to 18 different car models under the Maruti Suzuki brand, our Maruti Suzuki insurance policy can be customised to fit specific needs. There are eight models in the hatchback category, one in the sedan category, one in the compact sedan category and one in the Van/Minivan category. Additionally, there are four new SUV/MUV models and three upcoming Maruti Suzuki models that are about to hit the roads.

Maruti Suzuki cars not only offer a compact design but are also easier to drive and maintain. Another reason they are a favourite in most Indian households, especially for daily use, is their reasonable maintenance cost and high mileage of over 32 km/kg, in the case of CNG cars.

Maruti Suzuki has long been a pillar in India’s automobile landscape, known for producing dependable, fuel-efficient cars at accessible prices. It has earned widespread trust over the decades, thanks in part to its extensive service network and strong parts availability.

Maruti has consistently ranked among India’s top-selling passenger vehicle manufacturers and has reclaimed a share of around 45% in the Indian passenger vehicle market as of early 2025.

Here is a list of Maruti Suzuki car models and their ex-showroom prices in New Delhi. However, the actual price may vary depending on the location.

• Market Leader: Maruti Suzuki holds a large portion of India’s passenger vehicle market, making it a trusted choice for millions.
• Affordable and Reliable: Cars are priced competitively, offering strong value without compromising on quality.
• Fuel Efficiency: Known for excellent mileage, with hybrid options improving economy further.
• Extensive Network: With one of India’s widest service and parts networks, maintenance and repairs are hassle-free.
• Low Ownership Costs: Lower running and repair expenses make Maruti cars cost-effective long term.
• Wide Model Range: From hatchbacks to SUVs, there’s a Maruti for every budget and lifestyle.

Along with Maruti Suzuki, here are some other brands that bring to you some great passenger car options in India:

• Honda
• Toyota
• Hyundai
• Mahindra & Mahindra
• Volkswagen
• Ford
• Renault
• Chevrolet

Owning a Maruti Suzuki car means enjoying reliability, fuel efficiency and affordability, qualities that make it a household name in India. To keep your Maruti protected, choosing the right car insurance is just as important as choosing the right car.

With TATA AIG’s Maruti Suzuki car insurance, you get comprehensive protection, affordable premiums and the flexibility to customise your policy with a wide range of add-ons. Whether it’s safeguarding against accidents, theft, natural disasters, or third-party liabilities, our plans are designed to cover every aspect of your driving journey.

Plus, with features like a high claim settlement ratio and a seamless Maruti insurance online process for buying, renewing, or claiming, TATA AIG ensures your Maruti stays protected with complete peace of mind. Choose TATA AIG for your Maruti Suzuki insurance and drive worry-free, knowing you’re covered wherever the road takes you.