Maruti Kizashi Car Insurance
Maruti Kizashi Car Insurance
Maruti discontinued the Kizashi in India in 2014, yet a loyal owner base keeps it running. Most buyers today are enthusiasts and second owners who want a 2393 cc, 2.4-litre petrol sedan with premium build quality at a used-car price.
The Kizashi arrived as an imported, completely built unit, so spare parts are scarce, and repair bills run high. A Maruti Kizashi insurance policy helps protect against unexpected expenses from accidents, theft, natural calamities and third-party liabilities. It can support financial protection while keeping repair costs manageable.
TATA AIG offers Maruti Kizashi insurance solutions with cashless repair facilities and a wide garage network to support your Kizashi ownership.
How Much Does Maruti Kizashi Insurance Cost?
The Kizashi insurance price depends on factors such as the car's age, IDV, location and selected coverage. Since the Kizashi is discontinued, TATA AIG can help you explore suitable car insurance online based on your vehicle and coverage needs.
How to Buy & Renew Maruti Kizashi Car Insurance Online
How to Buy
Step 1: Go to the top of this page or download the TATA AIG mobile app.
Step 2: Type your car registration number and select Get Price.
Step 3: Share the vehicle and owner details requested on the screen.
Step 4: Choose the best car insurance and any available add-ons.
Step 5: Complete the payment online and receive your policy document.
Important Tip!
Most Kizashi buyers purchase from a private seller. Transfer the existing insurance for Maruti Kizashi into your name within 14 days of purchase, or buy a fresh policy from TATA AIG.
How to Renew
Step 1: Go to the Kizashi insurance renewal option on top of this page or use our mobile app.
Step 2: Enter your car registration number or your existing policy number.
Step 3: Review your Kizashi car insurance premium for your plan.
Step 4: Add new add-ons and check the car insurance price..
Step 5: Pay online and download the renewed policy for your records.
Please Note:
TATA AIG allows a 90-day grace period after expiry to retain your No Claim Bonus. Discontinued models like the Kizashi are often second or third vehicles, so the cover lapses easily. A lapsed policy may call for a vehicle inspection before renewal.
Get the best car insurance for your Kizashi today with TATA AIG!
Why Insure Your Maruti Kizashi?
Third-Party Insurance Is a Legal Requirement
The Motor Vehicles Act makes third-party cover compulsory for every car on Indian roads, including discontinued models. Driving your Kizashi without a valid insurance policy invites a fine and leaves you personally liable for injury or property damage caused to others. This cover helps pay for eligible third-party injury, death or property damage liabilities.
Imported Spares Make Repair Bills Unpredictable
The Kizashi reached India as a completely built unit, so panels, lights and mechanical parts are scarce and expensive. A minor bumper repair on a mass-market sedan can cost several times more on a discontinued model. Kizashi comprehensive car insurance helps cover eligible damages to your vehicle.
Authorised Maruti Service Centres Within Our Network
Kizashi owners rely on Maruti workshops for diagnostics on the 2.4-litre J24B engine and CVT unit. TATA AIG cashless garage network includes authorised Maruti service centres, so you get specialist servicing and support without paying upfront or waiting for reimbursement.
Protection Against Fire, Natural and Man-Made Events
Many Kizashi cars now serve as weekend or second vehicles, parked for long stretches. Standing water during monsoon, falling trees, fire and riot damage all fall outside a third-party policy. Comprehensive Maruti Kizashi insurance can help protect against eligible damage caused by these events. It benefits owners who park outdoors, travel during monsoons or use their sedan for regular family journeys.
Safeguard Your Kizashi Against Theft and Total Loss
The Maruti Kizashi is a discontinued premium sedan, so protecting it matters for existing owners. Surviving Kizashi units are few, and you can't replace a stolen or written-off car from a showroom. A car insurance policy pays the IDV in car insurance, which matters most when the model is no longer produced and market pricing is thin.
Drive with Greater Confidence on Every Journey
Kizashi owners may use their cars for city commutes, family outings and long-distance travel. Unexpected accidents, theft and natural disasters can affect any of these journeys. Maruti Kizashi car insurance provides financial protection against covered risks, helping you enjoy your sedan with greater confidence and fewer unexpected expenses.
Which Maruti Kizashi Car Insurance Policy Do I Get?
The Maruti Kizashi is a discontinued premium sedan, but existing owners still need suitable insurance protection. Your car's age, insured value, usage and location can help determine the right policy. Comprehensive insurance for Maruti Kizashi suits owners seeking broader protection, while third-party insurance meets mandatory legal requirements.
Car Insurance Policy Types We Offer
Kizashi Comprehensive Car Insurance - Best Overall Fit
Covers damage to your Kizashi alongside the mandatory third-party liability. This remains the practical choice for a discontinued Completely Built Unit (CBU), where a single imported panel can cost more than a year of premium.
Key Highlights
Bundled cover with tenure options of one, two or three years
No salvage deduction on total loss settlements
Cashless repairs across our garage network
Buy Comprehensive Car Insurance
Third-Party Car Insurance - Best for Low-Value Kizashi
Meets the legal minimum under the Motor Vehicles Act and pays for injury or property damage caused to others. It offers no compensation for damages towards your own car.
Key Highlights
Lowest premium available, fixed by IRDAI
Cover for third-party injury or death
Suited to a Kizashi kept off the road or held for spares
Maruti Kizashi Own-Damage Insurance - Useful in Specific Situations
Covers only your own vehicle. Choose this when a valid third-party policy is already running on a different expiry date.
Key Highlights
Freedom to insure only own damage
No change to your existing liability cover
Useful after a mid-term transfer of ownership
Which Policy Do I Buy?
The following table helps you choose a policy based on your Kizashi's age, value and usage.
| Parameters | Typical Use Case | Best Policy | Why |
|---|---|---|---|
| Second-hand purchase | Buying a used Kizashi from a dealer or private seller | Comprehensive | Unknown repair history means claims arrive early. |
| Low IDV, sparing use | Kizashi kept as a spare or occasional car | Third-Party | Premium outweighs the claim value. |
| Rare, well-maintained example | Owner intends to keep the car long term | Comprehensive | Imported parts make own-damage cover essential. |
| Long-distance or highway use | Weekend touring and intercity runs | Comprehensive | Recovery and repair away from home run high. |
| Accident-prone city | Daily driving in dense urban traffic | Comprehensive | Lights and bumpers are imported and costly. |
| Flood-prone location | Parking in low-lying or coastal areas | Comprehensive | Water damage to the body and interior is covered. |
| Third-party policy already active | Mid-term ownership transfer | Standalone Own-Damage | Aligns cover without duplicating liability. |
Please note: These suggestions are indicative. Your premium, IDV and add-on eligibility depend on your Kizashi's age, condition and claim history, and are confirmed at quote stage. Enter your registration number in the buying section above to see what applies to your car.
Why Buy Maruti Suzuki Car Insurance From Us?
6300+ Cashless Garages
Includes authorised Maruti service centres across India
750+ Claims Experts
Dedicated assistance from claim intimation to final settlement
No IDV Negotiations during Claims
Claims settled as per the IDV, without negotiations during settlement.
Pick-up & Drop-off Service
Doorstep cashless repairs with no garage visit
No Unnecessary Deductions!
On partial losses
24/7 Customer Support
Call-back in 2 to 3 minutes with regional language support
Standard Inclusions and Exclusions Under Maruti Kizashi Car Insurance
A comprehensive Maruti Kizashi insurance policy protects against several accidental, and natural and man-made risks. The following inclusions and exclusions are based on TATA AIG policy wording and applicable terms.
What is Covered?
The standard comprehensive policy covers the following events, subject to deductibles, exclusions and policy conditions.
| Event | Standard comprehensive cover? | Important caveat |
|---|---|---|
| Accidental damage from collision | Yes | Parts settlement carries 50% depreciation on cars over ten years |
| Flood and inundation | Yes | Body and interior damage only. Water entering the engine needs Engine Secure |
| Earthquake | Yes | Limited to fire and shock damage |
| Storm, cyclone, hailstorm | Yes | Extends to typhoon, hurricane, tempest and frost damage |
| Landslide and rockslide | Yes | Recovery to the nearest repairer is capped at ₹1,500 per accident4 |
| Fire, explosion, self-ignition, lightning | Yes | Engine damage after flooding stays outside this peril |
| Riot, strike, malicious damage | Yes | Police report supports the claim |
| Terrorist activity | Yes | Covered as a named peril. War and war-like events stay excluded |
| Transit damage | Yes | Applies to road, rail, inland waterway, lift and air transit. |
| Theft | Yes | Report to police and to us within 48 hours |
| Total or Constructive Total Loss (CTL) | Yes | Declared a CTL once repair cost passes 75% of IDV. No salvage deduction applies |
| Third-party property damage | Yes | Capped at the limit shown in your Schedule |
| Third-party bodily injury or death | Yes | No monetary ceiling under the Motor Vehicles Act |
| Owner-driver personal accident cover | Yes | Up to ₹15 lakh. Requires nominee details and a valid licence |
What is Not Covered?
| Exclusion | What It Means |
|---|---|
| Normal wear and tear | Ageing, rust and gradual deterioration fall outside the policy. On a car of the Kizashi's vintage, this is the most common reason a claim is reduced.5 |
| Accessories and modifications fitted after purchase | Equipment included in the manufacturer's listed selling price is included in your IDV. Anything fitted later, including audio, lighting or an aftermarket CNG or LPG kit, requires a separate endorsement and its own declared value. The Kizashi was never offered with a factory bi-fuel option in India, so every kit on this model counts as aftermarket.6 |
| Mechanical or electrical breakdown | A failed Continuously Variable Transmission (CVT), alternator or sensor is a repair bill, not a claim. The cover applies to sudden external damage.7 |
| Consequential loss | Damage that follows the original event rather than arising from it stays excluded. Restarting a waterlogged engine is the standard example.8 |
| War and war-like events | Invasion, civil war, mutiny and nuclear risks are excluded across all sections.9 |
| Loss or damage outside India | Cover applies within the geographical area shown in your policy. Travel into neighbouring countries requires a geographical extension endorsement.10 |
Maruti Kizashi Car Insurance Add-On Covers Worth Buying
Add-on availability depends on vehicle age. Since the Kizashi was sold here between 2011 and 2014, only a few add-on options remain open to most cars.
Best General Use Add-ons
Roadside Assistance: Roadside assistance add-on sends a technician for a flat tyre, dead battery or lockout, and arranges towing within 25 km. Sensible for a car with no local service backup.
Repair of Glass, Fibre, Plastic and Rubber Parts: It protects your No Claim Bonus when you repair these parts rather than replace them.
Key Replacement: The key replacement cover reimburses the cost of replacing lost or stolen keys and, after a break-in, the locks too. Kizashi keys are imported and slow to source.
For Specific Perils
Additional Towing Charges: It pays recovery costs above the base policy limit. However, it is useful when the nearest workshop that can handle a 2.4-litre J24B is some distance away.
Emergency Transport and Hotel Expenses: It covers a taxi home and an overnight stay if your Kizashi cannot be driven after an accident. Worth adding if you use the car for intercity runs.
Emergency Medical Expenses: It pays hospital and ambulance costs for you and your occupants after a collision.
Additional Third-Party Property Damage Cover: It raises your liability limit beyond the base Schedule figure.
Please note: Add-on covers come with age-based eligibility criteria. Therefore, an add-on available for your Maruti Kizashi today may not remain available at a later renewal.
Protect your Maruti Kizashi with the right car insurance from TATA AIGBuy Now
How to File a Maruti Kizashi Car Insurance Claim
Cashless Claim
Under a cashless claim, your Kizashi is repaired at a garage within our network, and we pay the approved repair cost to the garage on your behalf.
Register your claim: Report the incident to TATA AIG at the earliest opportunity. You can call 022-6489-8282, write to general.claims@tataaig.com, or message us on WhatsApp at 9136160375. You can also register through the claims page on our website and the TATA AIG mobile app. If you would rather register in person, your nearest branch office can take the claim forward for you.
Choose a network garage: Move your Kizashi to a TATA AIG network garage to qualify for cashless repair. Authorised Maruti Suzuki service centres form part of this network in cities where they are listed.
Allow the damage assessment: We will depute a surveyor or take you through a video inspection. Hold off on repair work until approval comes through, unless we advise otherwise.
Let the garage carry out repairs: Approved work begins once the assessment is complete. Should the garage uncover further damage during the job, it must return to us for fresh approval.
Settle your portion: We pay the garage the approved bill. Your share covers the deductible, depreciation on replaced parts and anything falling outside the policy.
Reimbursement Claim
Choose reimbursement when you prefer to repair your Kizashi at a garage outside TATA AIG's cashless network.
Raise the claim: Report the incident to TATA AIG at the earliest opportunity. You can call 022-6489-8282, write to general.claims@tataaig.com, or message us on WhatsApp at 9136160375. Registration is also open through the claims page on our website and the TATA AIG mobile app. To register in person, visit your nearest branch office.
Allow the damage assessment: A physical or digital survey establishes the extent of damage. Hold off on repair work until the survey is complete, unless we advise otherwise.
Get the car repaired: Once approval comes through, have the work done at an authorised garage. You meet the cost at this stage, so keep every original bill and receipt.
Send us the paperwork: Submit the claim documents together with repair invoices, receipts and estimates. Gaps in the paperwork are the usual cause of delay.
Collect the settlement: Reimbursement is processed within seven working days of our receiving complete documentation. You receive the approved amount through NEFT, after applicable deductions.
Documents Required for Maruti Suzuki Car Insurance Claim
Having the right paperwork on hand keeps your Maruti Kizashi claim moving without delay. TATA AIG will confirm which documents apply to your case at registration.
Claim form: Filled in with correct details and signed by the policyholder.
Repair bills: Original invoices and payment receipts for reimbursement claims.
Policy document: A valid policy schedule or certificate of insurance.
KYC proof: Aadhaar, PAN, Passport or Voter ID for identity and address.
RC and driving licence: Copies of the vehicle registration certificate and a valid licence.
Repair estimate: A damage assessment from the network garage or authorised workshop.
Photographs or videos: Clear visuals of the vehicle after the incident.
Medical or third-party bills: Needed for injury and personal accident claims.
FIR or police report: For theft, serious accidents or legal disputes.
Financier NOC: For theft or total loss claims on a vehicle under loan.
Original keys: All sets, for theft claims.
No trace report: Issued when police close a theft case without recovery.
RTO Forms 28, 29 and 30: For theft or total loss transfers, not repair claims.
Court summons: If third-party proceedings begin.
Please note: TATA AIG may seek further paperwork through your registered mobile number, email or post.
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
Can I still insure a Kizashi that has been off the road for several years?
Yes, though a lapsed policy calls for a vehicle inspection before cover begins. Your No Claim Bonus is forfeited if the break exceeds 90 days.
Does imported parts pricing affect how my claim is settled?
Where a part is unavailable in India, settlement follows the manufacturer's price list plus transport and import duty, less applicable depreciation.
Can I lower my Kizashi premium without cutting the cover?
Opting for a voluntary deductible reduces your own-damage premium. Anti-theft device certification and automobile association membership attract further discounts.
