Maruti Suzuki Wagon R Insurance
Maruti Suzuki Wagon R Car Insurance
Maruti Wagon R has always been synonymous with being pocket-friendly and comfortable. Its variants range from around 5-7 lakhs, and the insurance is relative to the variant. Wagon R has been preferred by families for years and has not failed to impress. It offers you a variety of features embossed with the Maruti trust. Maruti recently launched its New Big Wagon R with a strikingly attractive design. It is available in vibrant new colours and is already taking over the market.
UIN: IRDAN108RP0002V01200001
Key Features of Maruti WagonR Car Insurance:
● Simple Claim Process
● Roadside Assistance
● 5900+ Cashless Garage Network
● Zero Depreciation
● Retaining NCB from the Previous Policy
How To Buy/Renew Maruti Suzuki Wagon R Car Insurance?
Buying or renewing Maruti Suzuki Wagon R car insurance online is a quick and convenient way to ensure your vehicle is well-protected. Follow these simple steps to secure your insurance:
1. Enter the Car Registration Number:- Input your Maruti Suzuki Wagon R registration number into the insurance calculator and select Get Price to begin.
2. Fill in Personal and Car Details:- Complete the necessary car and personal details. Choose the appropriate policy coverage that suits your needs, and consider adding optional add-ons like zero depreciation cover, roadside assistance, engine protection and more.
3. Get Instant Car Insurance Premium Quote:- After entering your details, you’ll instantly receive a premium quote. If the quote matches your expectations, proceed with online payment to finalise your car insurance policy.
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Things Covered and Not Covered under Tata AIG’s Maruti Suzuki Wagon R Insurance
When you choose Tata AIG’s Maruti Suzuki Wagon R insurance, you’re getting comprehensive protection designed to cover various risks. Here’s a breakdown of what’s included and what isn’t under this policy.
What’s Covered by Tata AIG for Your Maruti Suzuki Wagon R:
● Theft or Total Loss of the Vehicle:- If your Maruti Suzuki Wagon R is stolen or damaged beyond repair, Tata AIG will reimburse you the Insured Declared Value (IDV), which is the market value of your car at the time of the incident.
● Damage from Natural Disasters:- Your Wagon R is covered against damage caused by extreme weather conditions, including floods, earthquakes, cyclones, or heavy rainfall. This ensures that your car is protected in case of unpredictable natural events.
● Man-Made Calamities and Fire Damage:- If your car is damaged due to riots, vandalism, or other man-made disasters, Tata AIG will cover the repair costs. The policy also covers damage caused by fires, such as those from explosions or lightning strikes.
● Accident-Related Damage:- Whether it’s a minor scrape or major collision, Tata AIG covers the costs of repairs needed for damages caused to your Wagon R in an accident. You can be assured that your car will be taken care of.
● Transit Damage:- If your Maruti Suzuki Wagon R is being transported by road, rail, sea, or air and gets damaged, this will be covered under your comprehensive car insurance policy.
● Third-Party Liability:- If your Wagon R causes damage to third-party property, injury, or death, Tata AIG will cover the costs, provided you have third-party insurance or comprehensive cover. This ensures that you are financially protected in case of such an unfortunate event.
● Personal Accident Cover for the Owner-Driver:- You can opt for a Personal Accident Cover up to ₹15 lakhs with your Tata AIG policy. This provides protection against accidents that result in permanent disability, death, or serious injury to you, the owner-driver.
● Optional Add-Ons:- If you’d like additional protection, you can choose from a variety of add-ons. This includes Zero Depreciation, Engine Secure, Roadside Assistance and so on. These options offer extra benefits, allowing you to tailor your coverage according to your needs.
What’s Not Covered by Tata AIG for Your Maruti Suzuki Wagon R:
● Driving Without a Valid License:- Any damage sustained while driving without a valid driver’s license is not covered under the policy.
● Usage Outside Geographical Boundaries:- If you drive your Wagon R outside the covered geographical region, your policy will not cover any damage.
● Drunk or Impaired Driving:- If your Maruti Suzuki Wagon R is involved in an accident while you are driving under the influence of alcohol or drugs, your claim will be rejected.
● Wear and Tear:- The policy doesn’t cover damages arising from everyday wear and tear. Regular depreciation is excluded from coverage.
● Routine Maintenance Costs:- General maintenance or servicing costs of your Maruti Suzuki Wagon R are not covered. This includes part replacements due to normal use.
● Negligence:- If the damage occurs due to the driver’s negligence (e.g., not following traffic rules), Tata AIG will not provide coverage.
● Commercial Use:- If your Maruti Suzuki Wagon R is used for commercial purposes, like for a taxi or ridesharing, your policy will not cover any resulting damage.
● Speeding or Illegal Activities:- Damages caused by reckless driving (such as speeding) or during illegal activities are excluded from coverage.
● Damage Due to War or Nuclear Perils:- Any damage to your Wagon R caused by war, terrorism, or nuclear incidents is not covered under the policy.
● Add-Ons Not Included:- If you don’t opt for certain add-ons like Zero Depreciation, Return to Invoice Cover, Engine Protection Cover and so on, the benefits of those add-ons will not apply to your policy.
Choosing Tata AIG’s Maruti Suzuki Wagon R insurance gives you broad protection, but it’s important to understand both the coverage and exclusions. Make sure to read through your policy documents carefully to ensure you are fully informed.
Add-ons for Maruti Suzuki Wagon R Insurance
Enhancing your Maruti Suzuki Wagon R car insurance with additional add-ons is a smart way to ensure that your vehicle gets the protection it deserves. Tata AIG offers a wide range of add-ons to give you that extra peace of mind.
Let’s explore the key add-ons that you can opt for with your comprehensive car insurance policy:
1. Zero Depreciation Cover
With the Zero Depreciation Cover, you don’t have to worry about the cost of depreciation on your car's parts when filing a claim. Whether it's a tyre, battery, or plastic parts, you'll receive the full sum insured without any deductions. This benefit is available for the first two claims under a comprehensive car insurance policy.
2. Roadside Assistance
This add-on ensures that help is always a phone call away, especially when you find yourself stranded. Whether you need a mechanic, fuel delivery, or a tow service, Tata AIG’s roadside assistance is available 24/7, ensuring you’re never left alone in an emergency.
3. No Claim Bonus (NCB) Protection
If you have a history of claim-free years, you can protect your No Claim Bonus (NCB) discount with this add-on. It allows you to file claims while still retaining the NCB discount, ensuring that your premium stays low, even after a claim.
4. Engine Protection Cover
The Engine Protection Cover is perfect for those living in flood-prone areas. This add-on ensures that your car's engine is protected, covering the costs of repair or replacement in case of water or flood damage. It’s not typically included in standard comprehensive insurance, but with this cover, you can be at ease knowing your engine is protected.
5. Consumables Cover
When your Maruti Suzuki Wagon R suffers accidental damage, some consumables such as engine oil, air conditioning gas, or gearbox oil might need to be replaced. With the Consumables Cover, Tata AIG will cover these costs, ensuring you're not out of pocket for these essential items.
6. Personal Accident Cover (Owner-Driver)
In case of an accident, this cover offers compensation to the policyholder up to ₹15 lakhs if they sustain injuries or are killed while driving the Maruti Suzuki Wagon R. It’s a must-have for added safety, as it helps your family in case of a tragic event.
7. Personal Accident Cover for Passengers
You can also opt for Personal Accident Cover for Passengers, ensuring that your co-passengers are covered in case of a serious accident. This add-on provides compensation for injuries or death caused to your passengers, helping you protect everyone in your car.
8. Repair of Glass, Fibre, and Plastic Parts
If your Maruti Suzuki Wagon R has damaged glass, fibre, or plastic parts, this add-on will help you get them repaired without affecting your No Claim Bonus. It's a great option if you want to avoid losing your discount when repairing minor damages.
9. Daily Allowance
If your car needs to stay in the garage for an extended period, the Daily Allowance add-on will provide you with a daily allowance to help cover your travel expenses while your Wagon R is being repaired. This add-on provides support for up to 10-15 days, depending on the cause of the claim.
10. Emergency Transport and Hotel Expenses
If your car is involved in an accident and you cannot reach your destination, this add-on covers the costs of hotel accommodation and travel expenses to get you back home or to a nearby city, ensuring you're never stranded.
11. Tyre Secure
Accidents can sometimes cause damage to your Wagon R’s tyres. With the Tyre Secure add-on, you’ll be able to repair or replace any damaged tyres or tubes. This add-on provides coverage specifically for tyre-related damages caused during an accident.
12. Key Replacement
Losing your car keys can be a headache, especially if they are lost or stolen. The Key Replacement add-on covers the cost of replacing your lost keys, ensuring you can get back to driving your Maruti Suzuki Wagon R in no time.
13. Loss of Personal Belongings
In case your personal items, such as clothes, electronics, or other belongings, are lost or damaged in an accident, this add-on covers the replacement costs. However, items like jewellery, cash, and credit cards are not covered.
14. Return to Invoice
If your Maruti Suzuki Wagon R is stolen or completely damaged, the Return to Invoice add-on helps you recover the difference between the purchase price and the depreciation cost. It even covers registration charges and road tax, ensuring you’re not left at a loss.
15. Emergency Medical Expenses
This add-on provides financial support for medical emergencies arising from an accident involving your car. It covers the costs of ambulance charges and other necessary medical expenses, offering you peace of mind during difficult times.
16. Electrical Surge Cover (for Electric Vehicles)
For electric Maruti Suzuki Wagon R owners, the Electrical Surge Cover adds protection against electrical damage caused by issues such as self-heating, short circuits, and water ingress affecting your vehicle’s charging equipment.
17. Vehicle Loan Protector
In unfortunate situations where the policyholder is either permanently disabled or deceased due to an accident, this add-on ensures that the remaining car loan is paid off, offering financial relief to the family.
18. Misfueling Cover
If you accidentally fill your car with incorrect or contaminated fuel, this add-on helps cover the costs of fuel replacement and any related repairs. It provides up to ₹2,000 for such incidents, protecting you from the inconvenience of misfueling.
Maruti Suzuki Wagon R Insurance: Claim Process
If your Maruti Suzuki Wagon R faces an unfortunate event, here’s how you can quickly and smoothly file a claim with Tata AIG.
1. Notify TATA AIG About the Incident
As soon as the accident occurs, inform TATA AIG immediately. You can do this by calling their customer support number (022 6489 8282) or using the claims support page on their website. Provide all the details of the incident to begin the claim process.
2. Provide Necessary Information
You’ll need to fill out the claim form and submit the following documents:
● Engine and chassis details
● Contact details of the insured
● Date, time, and location of the accident
● Kilometre reading
Once the required documents are submitted, you’ll receive a claim reference number that allows you to track the progress of your claim.
3. Vehicle Inspection
After you’ve informed TATA AIG, a surveyor will be sent to inspect your Wagon R and assess the damage. The surveyor will prepare a detailed report, which will be shared with you and TATA AIG.
4. Repair Process: Cashless or Reimbursement
You have two options for repairs:
● Cashless Repair Method:
If you choose this method, simply take your Wagon R to any of the TATA AIG’s network garages. With over 5900 garages across the country, you’ll have easy access to reliable service. Once the documents are approved, all repairs will be done at the garage, and TATA AIG will settle the repair costs directly with the garage.
● Reimbursement Repair Method:
If you prefer to repair your Wagon R at a non-network garage, you can choose the reimbursement method. You will pay for the repairs first and keep the invoices safe. After submitting the invoices to TATA AIG, they will reimburse you for the expenses. Be sure to submit the bills promptly, as delays may result in non-payment of the claim.
5. Document Submission
To avoid delays, ensure you submit the following documents:
● Claim form
● FIR copy (if applicable)
● Proof of identity and address
6. Claim Settlement
Once TATA AIG verifies the documents and repairs, your claim will be processed and settled either through the cashless claim method or by reimbursing your repair expenses.
Types of Insurance Plans for Maruti Suzuki Wagon R Insurance
TATA AIG offers several car insurance policies, designed to meet the varied needs of car owners. Here’s a breakdown of the options available:
1. Comprehensive Car Insurance Policy
The Comprehensive Car Insurance policy provides complete coverage for your Maruti Suzuki Wagon R, including protection for both third-party liabilities and own damage. This policy covers accidents, fire, theft, and damage caused by natural disasters like floods, earthquakes, cyclones, etc., and man-made disasters such as vandalism and riots. If your car is damaged beyond repair or stolen, the policy will reimburse the Insured Declared Value (IDV), which is the current market value of your car at the time of the loss.
● Best for: People who want full protection against a wide range of risks, including both third-party liabilities and damage to their own car.
● Key Features:
○ Third-party liability coverage for injury, death, or property damage
○ Own damage coverage for accidents, fire, theft, and natural disasters
○ IDV reimbursement in case of theft or total damage
2. Standalone Own-Damage Car Insurance Policy
This policy covers only the damage to your vehicle resulting from accidents, fire, theft, or natural disasters. It does not cover third-party liabilities. This plan is ideal for car owners who already have third-party insurance and wish to cover their Wagon R for their own damage.
● Best for: Owners with third-party insurance who want coverage for damage to their own vehicle.
● Key Features:
○ Own damage coverage for accidents, fire, theft, and natural disasters
○ No third-party liability coverage included
3. Standalone Third-Party Car Insurance Policy
This is the minimum legal requirement for car insurance under the Motor Vehicles Act, 1988. It covers third-party liabilities arising from accidents, including bodily injury, death, and property damage caused to others. However, it does not cover damage to your own vehicle.
● Best for: Those seeking the minimum legal coverage or a low-cost option.
● Key Features:
○ Third-party liability coverage for bodily injury, death, or property damage
○ Does not cover damage to your own car
Maruti WagonR Overview
Approximate Cost of New Insurance Cover for your Maruti Wagon R
You can buy car insurance online for your favourite variant of the Maruti Wagon R in simple steps. You can start by entering the registration details of your Wagon R in the online insurance calculator to buy car insurance.
The calculator will give you the standard premium rate, inclusive of taxes, based on the benefits and add-on covers selected. The premium rates of car insurance primarily depend on the IDV of the vehicle variant and the age of the vehicle.
The approximate IDV when buying car insurance for a new Maruti Wagon R 2019 variant comes around Rs. 4 Lakhs. Maruti Wagon R car insurance cost for the standard package policy with Road-Side Assistance (RSA) benefit comes around Rs.9000.
Key Features of Maruti Suzuki Wagon R
The Maruti Suzuki Wagon R is designed to offer a perfect blend of practicality, safety, and modern convenience. Here are some standout features that enhance your everyday driving experience:
1. Dual Jet, Dual VVT Engine: Improves fuel efficiency and reduces emissions for a smoother driving experience.
2. Idle Start-Stop (ISS) System: Automatically shuts off the engine when idling and restarts it when you press the accelerator, saving fuel.
3. Hill Hold Assist (HHA): Prevents the vehicle from rolling back on inclines, providing extra comfort, especially in AMT variants.
4. Suzuki Connect: Offers real-time vehicle tracking, remote immobilization, and emergency alerts, improving safety and convenience.
5. SmartPlay Studio Infotainment: 7-inch touchscreen system with Apple CarPlay and Android Auto for easy connectivity and entertainment.
6. Dual Airbags: Standard in all variants, ensuring safety for the driver and front passenger in case of a collision.
7. ABS with EBD: Anti-lock Braking System with Electronic Brake-force Distribution, offering better control during emergency braking.
8. Rear Parking Sensors: Alerts you about obstacles when reversing, making parking safer and easier.
9. Keyless Entry: Convenient access to the vehicle without the need to remove the key (available in select variants).
10. 60:40 Split Folding Rear Seats: Provides extra boot space when needed by folding the rear seats, perfect for larger luggage.
Maruti Suzuki Wagon R Variants and Prices
The Maruti Suzuki Wagon R offers a diverse range of variants to cater to different preferences and budgets. Below is a detailed list of available trims along with their respective ex-showroom prices:
| Variant | Ex-Showroom Price |
|---|---|
| Wagon R LXI (Base Model) | Rs.5.64 Lakh* |
| Wagon R VXI | Rs.6.09 Lakh* |
| Wagon R ZXI | Rs.6.38 Lakh* |
| Wagon R LXI CNG | Rs.6.54 Lakh* |
| Wagon R VXI AT | Rs.6.59 Lakh* |
| Wagon R ZXI AT | Rs.6.88 Lakh* |
| Wagon R ZXI Plus Dual Tone | Rs.6.97 Lakh* |
| Wagon R VXI CNG | Rs.7 Lakh* |
| Wagon R ZXI Plus AT | Rs.7.36 Lakh* |
| Wagon R ZXI Plus AT Dual Tone | Rs.7.47 Lakh* |
