Maruti Suzuki Swift Car Insurance

The Maruti Swift is celebrated for its sporty design, smooth performance, and everyday convenience. But like any vehicle on the road, it is vulnerable to unexpected risks. Having a Maruti Swift car insurance policy ensures you stay protected against financial and legal challenges while enjoying a worry-free driving experience.

Legal Compliance: A valid Swift car insurance policy is mandatory under the Motor Vehicle Act. Driving without it can lead to penalties of ₹2,000 for the first offence and ₹4,000 for repeat offences, along with a possible jail term of up to 6 months.

Financial Security: With comprehensive Swift insurance, you are safeguarded against repair or replacement costs due to accidents, theft, fire or natural disasters.

Cashless Repairs: TATA AIG’s vast network of cashless garages across India makes it easy to get cashless repair services for your Swift without financial strain.

Custom Protection: Enhance your Swift insurance policy with add-ons like Zero Depreciation, No Claim Bonus Protection, Engine Protection, or Roadside Assistance for all-around coverage.

When it comes to insuring your Maruti Suzuki Swift, TATA AIG offers a range of plans to suit your driving needs, budget, and coverage preferences.

Third-Party Car Insurance for Swift

Third-party car insurance is the most basic insurance required by law. This Maruti Suzuki Swift insurance covers damage or injury caused to another person, vehicle, or property in the event of an accident. It does not cover damage to your own vehicle. This policy is ideal if you're looking for a cost-effective Swift insurance option to meet legal requirements without additional coverage.

Standalone Own Damage Car Insurance for Swift

If you already have third-party insurance and want additional coverage for your own vehicle, Standalone Own Damage insurance is a great choice. It covers damages to your Swift caused by accidents, theft, natural disasters, or even man-made events like vandalism. This option provides enhanced protection without the complexity of a comprehensive plan.

Comprehensive Car Insurance for Swift

For complete peace of mind, a Comprehensive Car insurance plan is your best bet. It covers both third-party liabilities and own damages. This means your Maruti Suzuki Swift is protected against accidents, theft, fire, natural calamities, and vandalism. You can also opt for valuable add-ons like zero depreciation, engine protection, roadside assistance and so on to further enhance your coverage. A comprehensive plan ensures that your Swift insurance is well-rounded and offers maximum protection in all situations.

With TATA AIG’s Maruti Swift car insurance, you get comprehensive protection designed to cover both your vehicle and yourself against a wide range of risks. The key inclusions are:

Total Loss/Theft Cover: Protection if your Maruti Swift is stolen or suffers damage that is beyond economical repair, ensuring you receive the insured declared value (IDV) of your car.

Natural Calamities: Coverage for damages caused by natural disasters such as earthquakes, floods, cyclones, storms, frost, and other acts of nature that are beyond your control.

Fire, Explosion and Human-Related Risks: Protection against losses arising from fire, self-ignition, explosions, strikes, riots, vandalism, terrorism, or other man-made incidents.

Accidental Damage: Financial coverage for repair or replacement costs if your Swift is damaged in a road accident.

Third-Party Liability: Legal and financial protection if your Swift causes accidental bodily injury, death, or property damage to a third party, ensuring you stay compliant with the Motor Vehicles Act.

Personal Accident Cover: Coverage of up to ₹15 lakhs for the owner-driver, offering financial support in case of accidental injury, disability, or death while driving the insured vehicle.

Optional Add-On Covers: To enhance your protection, TATA AIG offers add-ons such as Zero Depreciation Cover, Engine Protection, No Claim Bonus Protection, Return to Invoice, Roadside Assistance, and more. These help you customise your policy to suit your specific driving needs and risks.

While TATA AIG’s Maruti Swift insurance policy offers extensive coverage, there are certain situations and conditions where claims are not payable. Knowing these exclusions ensures you are fully aware of your policy’s limits and helps you decide if additional add-ons are needed.

Driver Fault/Legal Non-Compliance: Damages caused when the Swift is driven under the influence of alcohol or drugs, without a valid driving licence, or in a reckless/negligent manner are not covered.

Geographical Limitations: Standard coverage applies only within India. Any damages incurred if the vehicle is taken outside India without a valid geographical extension endorsement will not be reimbursed.

Wear and Tear/ Maintenance Cost: Expenses due to regular ageing of the car, depreciation, or routine maintenance such as servicing, tyre replacement, or oil changes are excluded. Consumables like nuts, bolts, and lubricants are only covered if the Consumables Add-On is purchased.

Improper or Restricted Usage: If the Swift is used for purposes not permitted under the policy, such as racing, speed trials, endurance testing, or for commercial activities without appropriate coverage, damages will not be covered.

Add-On Dependent Damages: Certain protections are only available if the relevant add-ons are purchased. For example, engine damage due to water ingress is covered under the Engine Protection Add-On but excluded otherwise.

Extraordinary Events: Losses caused by war, nuclear risks, mutiny, or war-like operations are excluded from the standard policy coverage.

TATA AIG has earned the trust of over 5 crore+ customers across the country, a testament to its reliability and customer-first approach. When it comes to choosing the right insurance partner for your Maruti Swift, you don’t need to look beyond TATA AIG.

Just like Maruti has become a household name for quality and dependability, the TATA group stands tall for its ethical business practices and customer-centric values. With more than two decades of expertise in motor insurance, TATA AIG combines financial strength with service excellence to provide protection you can truly rely on.

With TATA AIG Maruti Swift Car Insurance, you can enjoy a host of advantages designed to make buying, renewing and claiming as smooth as possible.

Easy Online Process: Purchase or renew your Swift car insurance policy within minutes through a simple and hassle-free digital process.

24/7 Assistance: Whether online or through a call, you get round-the-clock support for queries and guidance.

Convenient Claims Settlement: A streamlined and transparent claims process ensures that you don’t face unnecessary delays or complications.

Wide Garage Network: Access to over 5900+ authorised garages across India for cashless, paperless claim settlement.

Expert Claim Support: A dedicated team of over 750 claims experts works efficiently to ensure your claims are handled with care and precision.

No Claims Bonus Benefits: Enjoy up to 50% discount on your premium if you maintain a record of five consecutive claim-free years.

Customisable Plans: You can choose from a range of over 20 add-ons to tailor a policy to your requirements.

With these advantages, TATA AIG ensures that your Maruti Swift insurance goes beyond basic protection, offering you reliability, peace of mind, and a truly customer-friendly experience.

Getting insurance for your Maruti Swift is quick, secure, and entirely online with TATA AIG. Follow these simple steps to purchase a new policy:

• Visit the Website: Go to the TATA AIG car insurance page and enter your car registration number. Click “Get Price” to start a new policy.
• Enter Vehicle Details: Provide the basic details of your car as prompted on the screen.
• Select Insured Declared Value (IDV): Choose the correct IDV from the options provided. The IDV represents the current market value of your car and the total sum assured under the insurance policy.
• Add Optional Covers & Get Quote: Based on your needs and driving habits, select from the available add-on riders to enhance your coverage. The online calculator will display the premium payable for your Maruti Swift insurance.
• Make Payment: Complete the Swift insurance price payment securely using your preferred digital method.

Receive Policy: Once the payment is confirmed, your new Maruti Suzuki Swift insurance policy will be delivered instantly to your email.

Renewing your Swift insurance with TATA AIG is just as easy and ensures continuous protection without any gaps. Here’s how:

• Visit the Website: Go to the TATA AIG Car Insurance page and enter your car registration number. Click “Renew” to start the Maruti Swift insurance renewal process.
• Provide Vehicle Details: Fill in the required information as prompted.
• Declare Past Claims: If you have lodged any claims in the previous policy year, mention them accurately. This is important for calculating your No Claim Bonus (NCB), which can give you a discount on your Maruti Swift insurance renewal premium.
• Select Optional Add-Ons and View Premium: You may choose from the available add-on riders offered by TATA AIG to ensure comprehensive coverage. The online system will calculate your renewal premium based on the IDV, add-ons, and NCB.
• Make Payment: Pay the Maruti Swift insurance renewal price premium securely via any available digital payment option.

Receive Renewed Policy: After successful payment of the Swift insurance price, your renewed Maruti Suzuki Swift insurance policy will be sent directly to your email for instant access.

If you are purchasing a pre-owned Maruti Swift, securing a valid insurance policy is essential before taking it on the road. Whether the existing policy has expired or is not being transferred, you can easily purchase a new TATA AIG Swift insurance policy online.

Follow these steps to get insurance for your second-hand Swift:

• Enter Vehicle Information: Input your Swift’s registration number. If unavailable, provide details such as make, model, fuel type, and year of registration
• Provide Location Details: Mention your city and the Regional Transport Office (RTO) to calculate the accurate premium for your policy.
• Enter Personal Information: Fill in your name, mobile number, and email address to generate available policy options.
• Compare Insurance Plans: Review and compare different offerings based on premium cost, coverage features, and claim support.
• Choose Optional Add-Ons: Enhance your coverage with add-ons such as Zero Depreciation, Engine Protection, Roadside Assistance, or Return to Invoice.
• Make Payment: Complete the payment using secure digital methods available on the portal.

Receive Policy: Once the payment is confirmed, your Swift insurance policy document will be sent directly to your email.

This online process is fast, convenient and paperless, allowing you to insure your second-hand Maruti Swift quickly without the need for in-person visits or extensive paperwork.

Purchasing Maruti Suzuki Swift insurance online with TATA AIG brings you several advantages that make the process smooth and efficient. Whether you're insuring a new Swift or renewing an existing policy, here's why buying insurance for a Swift online is a smart choice.

Instant and Easy Quotes

When you choose to buy your Maruti Swift insurance online, you can instantly get a quote with just a couple of clicks. You’ll be able to compare Swift insurance price options, including Swift 3rd-party insurance prices for several plans and make an informed decision without making office visits.

Affordable Pricing and Transparency

TATA AIG provides competitive insurance rates for Maruti Swift owners, ensuring you get good value for your premium. You can clearly see the premium breakdown, taxes, and add-on costs, so there are no surprises when making a payment.

Customisable Coverage

When buying online, you can easily tailor your Maruti Swift insurance with additional coverage options. TATA AIG offers a variety of add-ons, like zero depreciation car insurance, Return to Invoice Cover, Engine Protection Cover and more, which ensures you receive the full claim amount without deductions for wear and tear. This flexibility ensures your policy matches your driving habits and provides maximum protection for your vehicle.

Simple Insurance Renewal

Renewing your Swift insurance online is quick and straightforward. Avoid the delays and paperwork that come with traditional renewal methods. Just a few clicks, and your Maruti Swift insurance renewal is sorted without any paperwork and delays, ensuring your car is always covered without any interruptions.

Access to a Wide Network of Garages

TATA AIG’s cashless claim facility is one of the biggest advantages. With over 5900+ network garages across India, getting repairs done is easy, and you don’t need to worry about paying upfront. Once the work is approved, TATA AIG settles the repair costs directly with the garage. TATA AIG's online platform allows you to locate the nearest cashless garage for you.

24/7 Support and Online Tracking

Filing a claim online is just as simple. Whether you're making a third-party car insurance claim or using comprehensive car insurance, the process is easy to follow. TATA AIG provides real-time updates so you can track the status of your claim and stay informed. Moreover, you can even track the claim status online for your policy through the website.

With our online Maruti Swift insurance premium calculator, you will get to know the standard Maruti Suzuki Swift Insurance cost based on the basic coverage and add-on features you have selected to have in your policy.

The third-party liability cover is offered at the premium rates according to the annual rates prescribed by the IRDAI. These are standardised rates and are based on the engine cubic capacity of your Swift model.

For comprehensive coverage, the Insured Declared Value (IDV) is one of the primary considerations for calculating the Maruti Suzuki Swift insurance cost. The IDV is the prevailing market value of your car and depends on specific features of your car, such as age, accessories, ex-showroom price for the model, applicable depreciation, etc.

You can get the IDV for your car at your nearest Maruti Suzuki Swift dealership or calculate the same with our online car insurance premium calculator.

In a comprehensive policy, damage to the car due to accidents or other covered events is protected. However, certain damages may be excluded, which could result in significant out-of-pocket expenses if they occur.

TATA AIG’s comprehensive insurance policy offers you additional features to enhance the coverage for your Maruti Suzuki Swift car insurance. These add-ons are offered to provide a cushion for expenses when your car suffers damage to the elements covered by the add-on riders.

While opting for add-ons may slightly increase your premium, it ensures peace of mind knowing that you won’t have to bear these expenses yourself in case of unforeseen incidents.

There are unique add-ons available, allowing you to customise your Maruti Suzuki Swift insurance according to your needs. For instance, the Zero Depreciation add-on is a popular choice, as it protects you from the effect of depreciation on parts replaced during a claim. The other most common addon riders include No Claim Bonus Protection, Return to Invoice, Roadside assistance and Repair of Glass, Fibre and Plastic Parts, among others.

Also Read: Car Insurance Add-On Covers

If your Maruti Suzuki Swift is involved in an accident, gets damaged, or is stolen, applying for a claim with TATA AIG is simpler than you might think. You can register your claim within 48 to 72 hours. Here’s how you can do it:

Cashless Claims

• Register Your Claim: Inform TATA AIG over the phone at 022 6489 8282 or visit the claims page. Submit the details.
• Inspection: Upload damage photos/videos for self-inspection, followed by a surveyor’s assessment.
• Choose Network Garage: Take your car to a TATA AIG network garage for cashless repairs.
• Settlement: We will directly settle the bills with the garage. You will just have to take care of the deductibles.

Reimbursement Claims

• Pay Upfront: Take your car to a non-network garage and get the repairs done by paying initially.
• Submit Documents: Provide policy details, RC, DL, bills, ID/address proof, and damage photos (FIR if needed).
• Survey and Verification: Our surveyor checks the damage and verifies costs.
• Reimbursement: Once approved, we refund the eligible amount after deductibles or exclusions.

Also Read: Car Insurance Claim Process

When filing a claim under your TATA AIG Maruti Suzuki Swift car insurance, keeping the necessary documents handy ensures faster and smoother processing. Depending on the type of claim, you may be asked for the following:

• Copy of your TATA AIG Swift insurance policy: Proof that your car is insured under a valid policy at the time of the incident.
• Driving licence of the person driving at the time of the accident: Must be valid and clearly legible.
• Registration Certificate (RC) of your car: Establishes ownership and vehicle details.
• First Information Report (FIR): Required in case of theft, third-party injury, or significant damage to property or vehicle.
• Duly Filled Claim Form: Complete with accurate details of the incident and signed by the policyholder.
• Renewal confirmation (if applicable): If your policy was recently renewed, proof of renewal may be requested.
• Damage photographs: Pictures of your car after the incident to support the claim assessment.
• Original car keys: Needed in theft-related claims for verification.
• RTO documents (Forms 28, 29, and 30): Required in cases of total loss or theft for ownership transfer formalities.
• No Trace Report: Issued by the police when a stolen car cannot be located.
• Repair invoices and receipts: Necessary for reimbursement claims at non-network garages.
• Additional documents if required: Depending on the case, TATA AIG may request further documents for verification.

The Maruti Suzuki Swift is known for its sporty yet solid design, featuring a bold honeycomb-pattern grille with a striking chrome strip. Its signature raised hump has remained a standout styling element over the years. With LED projector headlamps, stylish dual-tone alloy wheels, and an optional dual-tone paint scheme, the Swift balances modern flair with timeless appeal.

Some of the main features of the Maruti Suzuki Swift are:

• Attractive exterior features like dual-tone, LED rear combination lamps, and projector headlamps.
• BS-6 compliant engine for pollution control.
• Option to personalise the features.
• The advanced cruise control allows for ease of driving.
• The AutoGear Shift Technology available in petrol variants lets you switch between manual and automatic modes.
• Maruti Suzuki Swift—Price and variants.

The following table shows the prices of different variants of the Maruti Suzuki Swift:

Unique Selling Points: Maruti Suzuki Swift

The Swift is well known for its best fuel efficiency in its segment, thanks to its DualJet engine with Idle StartStop function.

Maruti boasts one of the largest sales networks in India, making it extremely convenient for
Swift owners to access support and maintenance anywhere in the country.

On the safety front, the Swift includes features like the HEARTECT platform, reverse parking sensors, ABS with EBD, and more advanced safety systems depending on variant.

Maintenance costs for the Maruti Swift tend to be affordable, supported by Maruti’s widespread spare parts availability.

Maruti models, including the Swift, generally retain strong resale value in the Indian market
because of brand reputation, reliability, and after-sales support.

Specifications of Maruti Suzuki Swift

Below are the specifications of the Maruti Suzuki Swift car:

Other Alternatives of Maruti Suzuki Swift

The Maruti Suzuki Swift is definitely the most popular hatchback in India. Its closest competitors are:

• Tata Altroz
• Hyundai Grand i10
• Ford Figo
• Volkswagen Polo

The Maruti Suzuki Swift is one of the most reliable, fuel-efficient, and affordable hatchbacks in India. With TATA AIG’s Swift car policy, you not only safeguard your vehicle against accidents, theft, and natural calamities but also enjoy additional benefits through custom add-ons. From cashless claims at network garages to easy renewals, you can ensure complete peace of mind while driving your Swift. Choosing the right insurance policy today secures both your car and your savings tomorrow.