Maruti Car Insurance
Maruti Suzuki Car Insurance
Maruti cars are known for their reliability, fuel efficiency, affordable maintenance, and low running costs, making them perfect for families and daily usage. Whether you want to navigate busy city streets in a compact Alto, impress your coworkers in the stylish All-New Dzire or go on a family road trip in an Ertiga, there’s a right car for everybody.
No matter how well-built your Maruti car is, it can still face unexpected problems like dents, a cracked windscreen or water damage. Whether you have hit a bumper or been involved in a traffic collision, TATA AIG’s Maruti Suzuki Car Insurance covers repair and replacement at an affordable cost.
Protect your vehicle with a trusted brand with over 25 years1 of experience and access to a pan-India network of Maruti authorised garages.
Why Do You Need Insurance for Your Maruti Suzuki Car?
It's Mandatory for All Maruti Car Owners |
Covers Third-Party Liabilities |
|---|---|
| The Motor Vehicles Act, 1988 requires every Maruti car owner to get third-party car insurance for public road use. If the traffic authorities catch you without valid insurance, they can fine you ₹2000 to ₹4000, jail you for up to 3 months or both. Get third-party Maruti insurance to avoid such penalties. | Driving your Maruti car without third-party insurance exposes you to significant financial liability. If you cause injuries, property damage or death to someone else with your car, you have to pay them compensation plus fines for driving uninsured. Without third-party cover, these expenses come out of your pocket. |
Keeps Car Ownership Affordable |
Access Authorised Maruti Service Centres in Our Network |
| Maruti Suzuki cars have one of the lowest ownership costs due to their high mileage, affordable spare parts and large service network. A car insurance policy keeps your ownership costs predictable by covering accidental repairs. If you rely on your Maruti car for daily commutes, insurance gives you immediate access to nearby cashless garages for hassle-free repairs. | By choosing TATA AIG as your insurance provider, you get access to our extensive network of 6300+ garages across India. With Maruti’s authorised service centres included in our garage network, you can access quick cashless repairs and roadside assistance in any major city. |
Covers Fire, Natural & Man-Made Disasters |
Covers Theft & Total Loss |
| Unexpected events such as fire, floods, heavy rainfall, cyclones, landslides, riots, strikes and vandalism can lead to hefty recovery and repair bills. Securing a car insurance plan with add-ons like Roadside Assistance and Engine Secure provides enhanced protection against disasters by covering repairs, spare parts, towing and special expenses. | Whether you use your Maruti for daily commutes or family trips, our Maruti car insurance plan is non-negotiable for theft and total losses. If you own popular models like Maruti Swift or WagonR, getting this plan is doubly important to cover their increased theft risks. The policy covers the cost of replacement up to the car’s Insured Declared Value (IDV) or on-road price if you have the Return to Invoice add-on. |
Find Out Which Maruti Suzuki Car Insurance Policy Fits Your Car
Comprehensive Car Insurance - Best Overall Fit
The TATA AIG Comprehensive Car Insurance provides all-round coverage against third-party injuries, property damage and fatalities, along with coverage for repair/replacement of your Maruti due to fire, accidents, theft, natural calamities and manmade disasters.
Best for
Maruti cars used for daily commute and family purposes, new vehicles under 5 years, financed cars, high-value Marutis and vehicles driven through monsoon conditions.
H3: Third-Party Car Insurance - Best for Low-Value/Older Marutis
The Third-Party Car Insurance policy is our most budget-friendly four-wheeler insurance policy. It covers damage your Maruti car accidentally inflicts on another person or their property. It does not cover damage to your own car.
Coverage Limits:
Third-party property damage up to ₹7.5 lakhs2
Injury, disability and death claims with no upper limit
Best for
Older Maruti cars, low-value Maruti cars, and cars you use infrequently; financially self-sufficient owners; and anyone planning to sell or replace their current Maruti car soon.
H3: Standalone Own-Damage Car Insurance - Useful in Specific Situations
TATA AIG’s Standalone Own Damage Car Insurance covers accidental damage, theft, fire, natural disasters and manmade disasters to your Maruti car. You can only buy own damage insurance if you already have a valid third-party plan.
Best for
Owners of Maruti cars over 5 years old that are used moderately and require coverage for repairs and replacement
Why Buy Maruti Suzuki Car Insurance From Us?
| 6300+ Cashless Garages | 750+ Claims Experts | 8+ Add-On Covers | ||
|---|---|---|---|---|
| Authorised Maruti service centres included | With dedicated claims assistance | With Pre-Set Bundles & EV-specific add-ons | ||
| Pick-up & Drop-off Service | No unnecessary Deductions! | 24/7 Customer Support | ||
| For Doorstep Cashless Repairs | On partial losses & no IDV negotiations | Call-back within 2-3 minutes & regional language support |
| Buy Directly from the Insurer | Protect Your No Claim Bonus (NCB) | Use a Voluntary Deductible | Install an Anti-Theft Device | Avoid Unnecessary Add-Ons |
|---|---|---|---|---|
| Since dealer insurance isn’t mandatory, it’s better to pick your Maruti insurance online. Buying online from us is cheaper as it cuts out the middleman and lets you get attractive discounts up to 95%. | Avoid filing claims for small repair bills. Instead, compare the repair cost against the value of NCB you are saving. You can also transfer NCB benefits to a new car or when changing insurers. | A voluntary deductible reduces your premiums but requires you to pay a part of the claim out of your pocket. Choose this option if you have emergency savings and can comfortably pay the extra deductible. | Installing ARAI-approved anti-theft devices lowers your premium through a discount applicable over the policy period. Install the device if it makes financial sense by comparing the cost against premium savings, or if you need additional security. | Choose only the add-ons that suit your needs and driving habits. While some add-ons provide you with essential coverage, skip those that offer you little value or do not fit your specific needs. |
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Get up to a 95% discount on Maruti Suzuki car insurance premiums.
Standard Inclusions and Exclusions of Maruti Suzuki Car Insurance
What’s Covered
| Event | Standard Comprehensive Cover? | Important Caveat |
|---|---|---|
| Accidental Damage | Yes | Subject to depreciation, deductions and policy terms |
| (Road Accident/Collision) | 0 | 0 |
| Flood/Inundation | Yes | Engine Secure required to cover water damage |
| Earthquake | Yes | Fire and shock5 damage covered |
| Storm/Cyclones | Yes | Subject to policy terms |
| Landslide | Yes | Subject to policy terms |
| Fire and Explosion | Yes | Covers fire-related damage such as smoke damage6 |
| Riot/Strike/Malicious Damage | Yes | Subject to policy terms |
| Terrorism | Yes | Subject to policy terms |
| Third-Party Property Damage | Yes | Covers up to ₹7.5 lakhs |
| Third-Party Bodily Injury/Death | Yes | No upper limit7 for injuries and disability. Payout is decided by the court. |
| Transit Damage | Yes | Covers damage during transit8 via road, rail, air, inland waterways, lifts and elevators. |
| Theft | Yes | Covers replacement costs up to the car’s IDV and repairs for damage during burglary or housebreaking |
| Total or Constructive Total Loss | Yes | Covers replacement costs up to the car’s IDV |
| Owner-Driver Personal Accident Cover | Yes | Up to ₹15 lakhs9 for accidental death or disability |
What’s Not Covered
- Normal Wear and Tear
The plans do not cover gradual damage due to everyday use and reduction of your car’s value over time.
- Accessories and Modifications After Purchase
Accessories fitted and modifications made to your Maruti car after purchasing the car insurance policy are not automatically included. You need to declare them to the insurer and apply for a car insurance endorsement to get coverage.
- Mechanical or Electrical Breakdown
The Maruti Suzuki car insurance policy excludes mechanical or electrical failures as they are not caused by an insured event covered under our policy.
- Consequential Loss
Our policies do not cover secondary or indirect damage that happens as a delayed consequence, such as engine failure from water ingress.
- War and War-Like Events
Any damage or loss caused by war, acts of war, invasion, civil war, mutiny, or any other military operations are excluded.
- Loss or Damage Outside of India
Your car insurance policy is valid only within the geographical boundaries of India. Any loss, damage or liability that happens outside the country is not covered.
Maruti Suzuki Car Insurance Add-On Covers Worth Buying
Depreciation Reimbursement
This add-on covers any deduction due to depreciation on parts replaced during a claim. Because Maruti bumpers and fenders are plastic and depreciate quickly, frequent low-speed bumps can lower your claim payout. The add-on is available for cars up to 10 years10 old.
Engine Secure
It covers damage to internal engine, gearbox and transmission parts. It is useful for models with low ground clearance like the Alto K10, S-Presso, and WagonR. It’s also highly recommended for driving in areas prone to flooding and heavy rainfall.
Consumables Cover
This Maruti car insurance add-on covers small but necessary materials used up during repairs, such as engine oil, brake oil, coolant, nuts, bolts, grease, and AC gas. It pairs well with the zero depreciation add-on for premium Maruti cars.
Roadside Assistance
This provides emergency assistance with services like towing, jump-starts, flat tyre assistance, and fuel delivery. It is ideal for family road trips, long drives, night driving and for driving in remote areas of India in an Ertiga, XL6, or Eeco. Available for cars up to 15 years11 old.
Return to Invoice
It covers the financial gap between your car's Insured Declared Value (IDV) and its on-road purchase price for theft and total loss claims. It is best suited for newer, high-value Marutis, such as the Brezza, Fronx, and Grand Vitara.
NCB Protection
This protects your accumulated No Claim Bonus against a single claim filed during the policy year. It is useful for daily city commuters who have built a high NCB over the years and is available for up to 10-year-old12 Maruti cars.
Key Protection
This add-on covers the replacement of car keys and repairs for damaged locks. It is suitable for newer, keyless Maruti variants with high key replacement costs due to limited availability.
Tyre Protection
This covers the repair or replacement costs of damaged tyres and tubes. It is a good choice if you frequently drive over potholes and poorly maintained roads, in bad weather conditions, or have expensive alloy wheels on your Maruti car.
Daily Allowance Plus
This Maruti insurance add-on provides a fixed daily cash benefit or an alternative courtesy car when your Maruti sits in a garage for repairs. It is invaluable if you need to commute daily, require a private vehicle, or face high taxi fares.
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Customise your Maruti Suzuki Car Insurance with the Right Add-Ons!
How to File a Maruti Suzuki Car Insurance Claim
Cashless Claim
Step 1: Gather evidence at the incident location. Then, notify us via our customer care (022-6489-8282), email (general.claims@tataaig.com) or WhatsApp (9136160375).
Step 2: File and register your claim on our claims page or mobile app by providing your policy number, Maruti car details, incident date and location, and supporting documents. We will assign you a dedicated claim handler.
Step 3: Take your Maruti car to one of our 6,300+ cashless garages for inspection and repair estimation. Find nearby TATA AIG garages using the Maruti Garage Locator.
Step 4: We will assign a surveyor to physically inspect your vehicle or arrange a video inspection. Do not begin any repairs before the inspection.
Step 5: After verification, we will clear your bill directly with our workshop. Pay any unapproved amount, including deductions, depreciation and non-standard items, to take delivery of your Maruti car.
Reimbursement Claim
Step 1: Ensure your safety, gather evidence and notify us about the accident, theft or damage via our helpline, email, claims page or mobile app. Then, file and register a reimbursement claim.
Step 2: We will assign you a surveyor to inspect the damage, physically or digitally, and estimate repair costs. Do not begin repairs before the inspection.
Step 3: Once you get our approval, take your Maruti car to any authorised garage. Pay the repair bills and collect all original bills, invoices and receipts.
Step 4: After repairs are completed, submit all required documents, including the claim form, policy documents, repair estimate, invoices, etc. Ensure you check the list of documents to avoid a rejection.
Step 5: We will settle your claim within 7 days14 of receiving your last document submission. Then, we will pay you the approved amount to your bank account as per policy terms.
Documents Required for Maruti Suzuki Car Insurance Claim
Claim form: A duly filled and signed claim application form
Copy of Car Insurance Policy: Your active TATA AIG policy document
Vehicle Registration Certificate (RC): Self-attested and verified Maruti car registration certificate
Driving Licence: Copy of driving licence held by the person driving the car at the time of the incident
FIR or Police Report: File a police report within 48 hours15 and get an FIR or report copy for theft, major accidents, or third-party damage
Photographs or Videos of Vehicle Damage: Clear visual evidence of the accident location and damaged car.
Repair Estimates: Initial cost estimate provided by the workshop or garage
Original Repair Bills and Payment Receipts: Strictly required when filing a reimbursement claim
Identity and Address Proof: Government-issued identification and residence proof
Original Vehicle Keys: Mandatory specifically for theft and total damage claims
No Trace Report: Issued by the police once an investigation closes without recovering a stolen Maruti vehicle
RTO Forms 28, 29, and 30: Required for theft and total loss claims
Financier NOC: Required for theft and total loss claims for cars with active loans
Medical Bills or Documents: Required for personal-accident or third-party injury claims
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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Frequently Asked Questions
General
1. How much does a Maruti Suzuki car insurance policy cost?
The premium cost depends on the type of policy, model, variant, and other factors. The premium rates of third-party plans are fixed between ₹2094 and ₹7897 based on engine/battery capacity. If you own an electric Maruti Suzuki car, you could get third-party insurance for it at an even lower starting price of ₹1780.
For standalone own damage and comprehensive plans, the premium depends on the car’s Insured Declared Value, age and condition, policy period, add-ons, No Claim Bonus, etc.
2. Where can I download my Maruti Suzuki car policy documents?
You can download your policy documents from your insurer’s website or mobile app. For TATA AIG plans, click on ‘My Policy’ at the top of this page, sign in using your registered mobile number and go to the ‘Policy Download’ section to get an online copy. On the mobile app, tap on “My Policy” and tap on the download option.
You can also download policy documents from the government’s Parivahan Sewa or Vahan portal.
3. Does car insurance policy cover any Maruti iCNG models
Yes, TATA AIG’s car insurance plans cover CNG models of Maruti Suzuki Swift, Celerio, Fronx, WagonR, Eeco and other popular models. We also cover aftermarket CNG/LPG kits fitted to Maruti vehicles if you apply for an endorsement.
4. If I buy my policy online instead of from my Maruti dealer, will the Arena/NEXA workshop still do a cashless repair?
Arena and NEXA workshops are dedicated branded workshops owned by Maruti Suzuki India. Whether your insurance policy covers these garages depends entirely on your chosen insurer. TATA AIG covers most Arena/NEXA workshops across India. You can always check if your closest Arena/NEXA workshop is included in our cashless garage network using our garage locator page. If not, you can always file a reimbursement claim.
5. Is "Maruti Suzuki Insurance" the same as buying directly from an insurance company?
Maruti Suzuki Insurance is an insurance brokerage service provided by Maruti Suzuki India rather than a type of car insurance policy. As a car manufacturer, Maruti Suzuki is partnered with insurance providers, which lets it offer insurance plans at car dealerships. Note that dealer insurance is not mandatory and is often costlier and less flexible.
6. My car is a NEXA model (Baleno, Fronx, Grand Vitara, Jimny, Invicto) — can it be repaired at an Arena workshop under a cashless claim?
Yes, Maruti Suzuki’s Arena workshops are expansive workshops with multiple service bays and advanced equipment. They are capable of servicing most types of Maruti Suzuki cars, including NEXA and Arena models. You can view all Maruti authorised garages near your area using our Garage Locator tool.
7. What does the warranty cover versus what insurance covers?
Maruti Suzuki’s warranty covers manufacturing defects under regular use and service for a limited period. It provides service at authorised service centres and covers high-value parts, such as the engine, compressor, self-assembly, etc.
A car insurance plan is a contract that covers repairs and replacement against a wide variety of risks, including accidents, theft, fire, natural disasters, manmade disasters, etc., which are not covered under a standard warranty.
8. Will an accident repair claim affect my Maruti extended warranty?
While the warranty and car insurance policy are separate products, the location of repair can affect the warranty. To keep coverage intact, get accident repairs done at an authorised Maruti workshop using genuine parts, and get scheduled servicing as mentioned in the Owner's Manual. Also, make sure to check your warranty certificate to know the exact conditions that apply to you.
Wherever possible, pick a garage that is both on TATA AIG’s cashless network and a Maruti authorised workshop — that satisfies both sides at once, and our network includes most Maruti dealerships. Retain the repair invoice and the stamped service record.
9. I bought the e Vitara under the BaaS plan — how is IDV calculated when I don't own the battery outright, and who insures the pack?
The BaaS (battery as a service) plan is a financing option where the battery cost is excluded from the purchase price and financed per kilometre of usage. To calculate the IDV of your e Vitara under the BaaS plan, you need to deduct its battery pack cost from the selling price and apply the depreciation rate.
TATA AIG’s Electric Car Insurance provides full coverage for EV battery repair and replacement with EV-specific add-ons like Electric Surge Secure.
10. Can I insure my Dzire Tour S, Eeco or WagonR Tour under a private car policy?
Yes, TATA AIG’s car insurance plan covers all types of Maruti Suzuki models, including Dzire Tour S, Eeco and WagonR Tour. To insure a commercial model under a private car insurance plan, you need to register it as a ‘private-use vehicle’ at the RTO during first-time registration.
Our private car policy provides financial coverage against third-party liabilities and damage/loss from a wide variety of insured events, including accidents, fire and natural disasters.
11. My Maruti 800 / Zen / Alto 800 is discontinued — can I still get comprehensive cover, and how is IDV fixed?
Yes, TATA AIG’s Comprehensive Car Insurance is available for all Maruti Suzuki models, including discontinued cars like Alto 800, Zen and Maruti 800. The Insured Declared Value16 for cars above 5 years old and obsolete models is based on a predetermined agreement between the insured person and us.
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