Maruti Suzuki Grand Vitara Car Insurance starting at ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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99.57% Claims Settled*
Maruti Suzuki Grand Vitara Car Insurance
A The Maruti Suzuki Grand Vitara is a premium SUV that blends style, comfort, and performance seamlessly. Whether you're cruising through city streets or heading out for a weekend getaway, this SUV delivers a refined driving experience with spacious interiors and advanced features. But even the most sophisticated vehicles need protection and that’s where IndusInd car insurance comes in.
For instance, unexpected incidents like water damage during heavy rains or minor collisions in traffic can lead to costly repairs. With our comprehensive car insurance plan, you can opt for add-ons like Engine Protect and Zero Depreciation to ensure your Grand Vitara stays as pristine as the day you bought it.
Car insurance is also a legal requirement for all vehicle owners in India, so your Grand Vitara must be covered with at least a third-party car insurance policy.
You can easily do this by choosing IndusInd General Insurance (formerly Reliance General Insurance). Buy your policy online and save it instantly on your phone via the IndusInd Self-i app so your insurance documents are always just a tap away!
With IndusInd General Insurance, enjoy tailored add-ons, quick claim settlement, 24x7 assistance, and a robust garage network for complete Grand Vitara protection.
10+ Add-On Covers*
Customise your Maruti Suzuki Grand Vitara insurance
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature*
File claims via the IndusInd Self-i app
24/7 Customer Assistance*
Get support from anywhere in India
Why Do You Need Maruti Suzuki Grand Vitara Insurance?
Legal Mandate
All car owners in India are legally required to have at least third-party car insurance coverage. This means your Grand Vitara must be insured with an authorized provider, even if you drive occasionally. If you're caught driving without valid car insurance, you could be fined ₹2,000 - ₹4,000, and in serious cases, face up to 3 months of imprisonment.
Covers Car Repairs
The Grand Vitara’s premium build and advanced features make it ideal for both city commutes and long drives. However, even the most refined vehicles are prone to wear and tear. Whether it’s a minor dent or engine trouble due to waterlogging, a comprehensive car insurance plan ensures repair costs are covered, so you don’t have to pay out of pocket.
Covers Car Theft
Modern variants of the Grand Vitara come with high-end features and a price tag that can go up to ₹19 lakhs*. This makes them attractive targets for theft. With car insurance, you’re protected against total loss scenarios. Add-ons like Return to Invoice can help you recover the full invoice value of your car in case of theft.
Covers Natural Disasters
India’s diverse climate means your Grand Vitara could face risks from floods, cyclones, landslides, or earthquakes. Even though the SUV is built to handle tough conditions, natural disasters can cause serious damage. A comprehensive insurance policy ensures your vehicle is protected against such unpredictable events.
Covers Fire and Fire-Related Damage
Accidental fires, short circuits, or external fire-related incidents can damage your Grand Vitara. With the right insurance coverage, you can claim for repairs or even total loss due to fire, ensuring your investment is safeguarded.
Covers Medical Expenses
In case of an accident, your Grand Vitara insurance doesn’t just protect the car. It also covers medical expenses for the owner-driver and passengers. This includes treatment for injuries and emergency care, giving you peace of mind every time you hit the road.
Types of Maruti Suzuki Grand Vitara Car Insurance Plans
Comprehensive Car Insurance
This all-in-one policy offers extensive protection for your Grand Vitara. It covers damages to your own vehicle as well as third-party property or injuries in case of an accident. Whether it’s a minor scratch or a major collision, repair costs are taken care of. You can also enhance your coverage with add-ons like Zero Depreciation, Engine Protect, and more.
Pay As You Drive Car Insurance
Ideal for Grand Vitara owners who drive occasionally, this usage-based plan adjusts your premium based on actual kilometres driven. Choose from slabs like 2,500 km, 5,000 km, or 10,000 km annually, with a 125 km grace buffer. Unused kilometres can be carried forward, and you can top up if needed. Save up to 90% on premiums while staying protected.
Third Party Car Insurance
This legally mandated plan covers damages or injuries caused to third-party vehicles, property, or individuals due to an accident involving your Grand Vitara. It’s the most affordable option and ensures compliance with Indian motor laws. Coverage is available for up to 5 years with a one-time premium payment.
Own Damage Car Insurance
18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91 days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age
IndusInd General Insurance offers features designed specifically for how and where a Maruti Suzuki Grand Vitara is typically driven, whether it is urban traffic, village roads or long highway journeys.
Disclaimer: Please refer to the official policy documents for detailed information.
What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural/Man-Made Disasters: Covers repair costs by floods, earthquakes, burglary, strikes, etc.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your Maruti Suzuki Grand Vitara except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.
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Our plans have the best Add - Ons
Enhance your Grand Vitara’s protection with smart add-ons that go beyond basic coverage. These optional benefits are designed to offer financial relief, convenience, and peace of mind in unexpected situations. Choose the ones that suit your driving habits and lifestyle.
Pay-As-You-Drive Insurance
Money Saver
Perfect for low-mileage drivers, this add-on adjusts your premium based on actual usage. Drive less, pay less — and still enjoy full protection.
24x7 Roadside Assistance
Emergency Support
Whether it’s a flat tyre, battery failure, or breakdown in the middle of nowhere, this add-on ensures help is just a call away — anytime, anywhere.
Engine Protection Cover
Extra Car Protection
Covers costly engine repairs due to water ingress, oil leakage, or internal damage — especially useful during monsoons or in flood-prone areas.
Nil Depreciation Cover
Claim Maximiser
Get the full claim amount without deductions for depreciation on replaced parts like plastic, rubber, or metal components.
NCB Retention Cover
Reward Preserver
Retain your No Claim Bonus even after making a claim. Ideal for long-term savings and maintaining lower premiums.
Total Cover
Full Value Protection
In case of total loss or theft, this add-on reimburses the full on-road price of your Grand Vitara — not just the depreciated value.
Maternity Cover
Safety Enhancer
Covers repair or replacement of damaged tyres due to cuts, bursts, or impact — ensuring safe and smooth drives.
Geo Extension
Global Traveller’s Choice
Extend your car insurance coverage beyond Indian borders. Ideal for frequent international travellers driving across countries.
EMI Protection Cover
Financial Shield
If your car is under repair for more than 21 days, this add-on covers your car loan EMIs during the downtime.
Daily Allowance Benefit
Convenience Booster
Receive a daily allowance for alternate transport while your Grand Vitara is in the garage for repairs.
RIM Protection
Wheel Care
Covers repair or replacement of damaged rims due to potholes, curbs, or road debris — keeping your wheels in top shape.
Loss of Personal Belongings
Personal Safety
Reimburses the cost of stolen personal items from your car, such as bags, gadgets, or valuables.
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys and locks — including smart keys.
Emergency Hotel Accommodation
Travel Support
If stranded due to a breakdown, this add-on reimburses hotel expenses for overnight stays.
Electrical Accessories Cover
Customisation Protector
Covers damage or theft of custom-installed electrical accessories like music systems, GPS units, and more.
Non-Electrical Accessories Cover
Protects non-electrical modifications such as seat covers, alloy wheels, and roof racks from damage or theft.
Consumables Expenses Cover
Repair Cost Reducer
overs consumables like engine oil, nuts, bolts, brake fluid, and more — often excluded from standard policies.
Return-to-Invoice Cover
Value Restorer
In case of total loss or theft, this add-on ensures you receive the original invoice value of your Grand Vitara, including road tax and registration.
Up to 90% Discount
11,000+ Cashless Garages
Quick Claim Survey
Factors Affecting Maruti Suzuki Grand Vitara Car Insurance Premium
Your Maruti Suzuki Grand Vitara insurance premium is calculated based on several key parameters. Understanding these factors can help you make informed decisions and even reduce your premium while ensuring optimal coverage for your SUV.
Grand Vitara’s IDV
The Insured Declared Value (IDV) is your car’s current market value. A higher IDV means a higher premium but also ensures better compensation in case of total loss or theft. You can select your preferred IDV when buying or renewing your policy.
Type of Coverage
Your choice between third-party and comprehensive insurance significantly affects the premium. Comprehensive plans offer wider protection and cost more, especially when bundled with add-ons.
Add-On Covers
Add-ons like Engine Protect, Tyre Cover, and Zero Depreciation enhance your policy but also increase the premium. The more add-ons you opt for, the higher your overall insurance cost.
Car’s Make and Model
The Grand Vitara’s variant, fuel type (petrol/hybrid), and engine capacity influence the premium. Premium variants or higher engine capacity models may attract higher insurance costs.
Claim History
If you haven’t made any claims in the previous policy year, you may be eligible for a No Claim Bonus (NCB), which reduces your premium. Frequent claims, however, can lead to increased costs.
Installing Anti-Theft Devices
Equipping your Grand Vitara with IRDAI-approved anti-theft devices shows that your vehicle is secure. This lowers the risk of theft and can help reduce your insurance premium.
Maruti Suzuki Grand Vitara Key USPs
Cashless Claims
Step 2: Claim Verification
Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the Self-i app by submitting photos or via a live video survey.
Step 4: Claim Approval
Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.
Step 5: Bill Settlement
After we approve, we pay the bill directly to the garage and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.
Step 2: Visit Garage
Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
Step 3: Register Claim
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
Step 4: Upload Documents
As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate
Step 5: Money Transfer
Upon approval, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Maruti Suzuki Grand Vitara- Models and Prices
The Maruti Suzuki Grand Vitara is available in multiple variants. There is a Maruti Suzuki Grand Vitara model to match your needs.
Maruti Suzuki Grand Vitara Models | Ex Showroom Price |
|---|---|
GRAND VITARA Smart Hybrid Sigma Manual | Hybrid | ₹10,99,000 |
GRAND VITARA Smart Hybrid Delta Manual | Hybrid | ₹12,20,000 |
GRAND VITARA Delta CNG Manual | CNG | ₹13,15,000 |
GRAND VITARA Smart Hybrid Delta AT Automatic | Hybrid | ₹13,60,000 |
GRAND VITARA Smart Hybrid Zeta Automatic | Manual | Hybrid | ₹14,01,000 - ₹15,41,000 |
GRAND VITARA Zeta CNG Manual | CNG | ₹14,96,000 |
GRAND VITARA Smart Hybrid Alpha Automatic | Manual | Hybrid | ₹ 15,51,000 - ₹16,91,000 |
GRAND VITARA Smart Hybrid Alpha 4WD Manual | Hybrid | ₹17,01,000 |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
If you use your Maruti Suzuki Grand Vitara to commute through city traffic, explore offbeat trails, or even transport essentials across semi-urban roads, you already understand the value of this premium SUV. While the Grand Vitara is engineered for comfort and performance across diverse terrains, it’s not invincible. Unexpected events like minor collisions, flash floods, or tyre damage due to uneven roads can lead to costly repairs.
That’s why it’s essential to protect your Grand Vitara with a reliable car insurance plan. With IndusInd Maruti Suzuki Car Insurance (formerly Reliance Maruti Suzuki Insurance), you get comprehensive coverage starting at just ₹238/month*, backed by 24/7 support and a seamless digital experience.
We cover accidents, fire, theft, and natural disasters like floods and earthquakes. You also get legal protection through our third-party liability cover.
Plus, with access to 11,000+ network garages* across India, you won’t need to worry about upfront payments, we settle the bills directly. You can even file claims from your phone using the IndusInd Self-i app with our easy video claims feature.
Don’t wait! Insure your Maruti Suzuki Grand Vitara today and drive with confidence.
Reliance General Insurance
Aapke Protection ka All-rounder
Grand Vitara insurance starting at just ₹238 per month*!
Drive worry-free with our comprehensive plans!
Enjoy coverage for accidents, theft, and natural calamities, plus add-ons for extra safety tailored to your Grand Vitara.
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Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Comprehensive Car Insurance/Car Insurance UIN: Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.
Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819
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