Maruti Car Insurance

Maruti cars fit right into everyday Indian life. Whether it is weaving through the narrow market lanes in an Alto, cruising on long highway trips in a Grand Vitara or a weekend family trip on an Ertiga, Maruti cars speak emotions. The company builds cars that offer unmatched comfort, excellent mileage and dependability.

But even the most reliable ride can face surprises on the road. A scratch while parking in a packed Delhi gully, a bumper hit in Pune traffic, or water damage in Mumbai monsoon can dishearten you, as repairs could be costly. And that’s exactly where the right car insurance plan helps.

IndusInd Maruti Car Insurance (formerly Reliance Maruti Car Insurance) covers both third-party liabilities and damage to your car. Add-ons like nil depreciation, engine protector and roadside assistance offer extended coverage. And with our digital-first approach, you can buy or renew policies through the IndusInd Self-i app in minutes.

You can keep digital papers handy on your phone, and drive on knowing your Maruti is financially shielded wherever the road leads, giving you worry-free kilometre after kilometre every day.

Why Us

Why 5 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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13+ Add-On Covers*

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Up to 3 Years Coverage*

Get long term coverage

Video Claims Feature*

File claims via the Self-i app

24/7 Customer Assistance*

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Why Do You Need Maruti Car Insurance?

Legal Mandate

Car insurance isn’t optional in India; it’s the law. If you take your Alto K10 or Brezza out without at least basic third-party cover, traffic cops can fine you with ₹2,000 for a first offence and ₹4,000 for the next, or even jail you for up to three months under Section 196 of the Motor Vehicles Act, 2019. So, insuring your Maruti isn’t just smart; it keeps you legal.

High Quality Repairs

Light, fuel-efficient Maruti hatchbacks are built for our crowded streets, yet repeated jolts from potholes or speed-breakers can bend alloy wheels or knock the suspension out of alignment. One bad hit can also crack the sump on a low-slung Swift. A comprehensive car policy settles the workshop bill, so those sudden repair expenses don’t lessen your monthly budget.

Covers Car Theft

Maruti cars get stolen more for their easy resale. Delhi-NCR data show nearly 47% of stolen vehicles are Maruti, such as the Wagon R, Swift, and Dzire. Suppose your brand-new Invicto, worth over ₹29 lakh*, disappears overnight, we pay you the insured declared value. Add our Return-to-Invoice cover and we’ll reimburse the original showroom price, along with registration and road tax, helping you replace your ride easily.

Covers Natural Disasters

Monsoon flooding can stall even the tall Ertiga if water reaches the air intake. With an IndusInd comprehensive car plan, damages from rain, floods, lightning, or landslides are covered, and the optional Engine Protect add-on pays for engine parts if the flood water causes a hydrostatic lock. When streets turn into streams, you are not left worrying about a massive garage invoice in the middle of monsoon chaos.

Covers Fire and Fire-Related Damage

Fuel leaks, aftermarket wiring, or even an overheated lithium-ion pack can spark a fire – a rare but devastating occurrence. Thankfully, our car insurance policy covers total or partial loss from fire, explosion, or self-ignition. If you're planning to buy the upcoming eVX EV model, we also offer specialised EV add-ons for the battery, motor, and on-board charger, so that you can embrace new tech without fear of unexpected repair bills.

Network Garages and Spare Parts

One reason people love Maruti is the ready availability of genuine spares almost everywhere. We reinforce that convenience with more than 11,000 cashless partner garages* across India. Drop your Celerio at any of our workshops, and repairs start immediately without upfront payment. Since we source OEM parts, you don’t have to worry about counterfeit components shortening your car’s life.

Types of Maruti Car Insurance Plans

Comprehensive Car Insurance

Get all-round protection for your Maruti. This plan covers any harm your car causes to others, as well as repairs to your own Maruti vehicle. A minor bump or a bigger scrape, both bills are sorted here. Plus, you can mix in 10-plus handy add-ons* (and even EV-specific add-ons for future Maruti electrics) to tailor the cover to your lifestyle.

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Pay As You Drive Car Insurance

Do you drive mainly on weekends or share a family fleet? Choose a yearly kilometre slab, from 2,500 km up to 10,500 km*, with 125 km* extra just in case. Unused kilometres roll over, and you can top up anytime. Perfect for Maruti owners who work from home, rely on public transport, or keep more than one car at their disposal.

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Third-Party Car Insurance

This is the must-have, government-mandated cover that keeps you legal on Indian roads. It’s our most budget-friendly option, covering any damage or injury your Maruti might cause to someone else. New-car owners can lock in one-, two-, or three-year terms* in a single payment and skip annual renewals.

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Own Damage Car Insurance

If you already have a third-party cover, add this plan to protect just your Maruti. Choose short-term* protection, such as just through the monsoon season, or enjoy worry-free coverage for a whole year. Whichever coverage you choose, repairs for accidental damage, fire, theft or weather events are taken care of.

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Key Features of IndusInd Maruti Car Insurance

IndusInd General Insurance (formerly Reliance General Insurance) offers Maruti car insurance cover that matches your drive, whether you are in crowded city streets, village roads, or cruising on the highway.

Key Features	Descriptions
Starting Premium Price	₹238/month*
Customisation of IDV	Available
Coverage Offered	Third-Party Liability and Own Damage
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Processing	We offer cashless repairs and start the survey within 24 hours* of your claim
Smartphone-Enabled Claims	The IndusInd Self-i App offers a Video Claims feature*
Network Garages	More than 11,000 network garages in India*
Instant Policy Purchase & Renewal	Available*
Add-On Covers	10+ Add-ons*
Personal Accident (PA) Cover	Additional PA Cover of up to ₹15 lakhs* available
24/7 Customer Assistance	Available on Helpline and WhatsApp

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Premium starting at	Premium starting at

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions and Exclusion

{Page Name}: Inclusions and Exclusion

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Accidents and Collisions: Our plan covers the repair costs for damage to your Mahindra car caused by a road accident.

Third-party Damages: Our Mahindra car insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Mahindra car for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

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Depreciation: Depreciation of Mahindra car parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your Mahindra car, 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.

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Maruti Car Insurance Add-on Covers

A standard policy is a great start, but your Maruti often sees more than easy city drives. It squeezes into tight parking spots, braves pothole-ridden stretches and tackles monsoon water-logging. To handle those extra bumps, scrapes and surprises, we let you pick from a range of add-ons that fine-tune your Maruti insurance for stronger, more personalised protection:

Nil Depreciation

Best Seller

Avoid the deduction on plastic, rubber and fibre parts, so every bumper, mirror cap, or interior trim on your Swift or Baleno is reimbursed at 100% of cost*.

Pay As You Drive

Best Seller

Pick an annual kilometre slab (2,500 – 10,500 km*) and pay a lower premium for occasional car use. Unused kilometres roll over, and you can top up anytime.

Return to Invoice

Best Seller

If your Dzire is stolen or is totalled, we refund the full invoice value, including taxes and registration, so you can replace it with a brand-new model without dipping into savings.

Engine & Gearbox Protection

Best Seller

Covers repairs to your Maruti’s compact petrol or CNG engine and gearbox if water, oil leaks, or impact damage cause internal failure.

Car Tyre Protection Cover

Best Seller

Pays for repair or replacement when a pothole bursts an Alto K10 tyre or a sharp object slices the sidewall on your Fronx’s low-profile rubber.

Key & Lock Replacement

Best Seller

Lost your smart key or jammed the lock? We reimburse the cost of a new key fob, reprogramming, and lock set on any Maruti, from Wagon R to XL6.

Consumable Expenses

Best Seller

Oils, nuts, bolts, and brake fluid can add up and lead to a higher workshop bill. This add-on covers those consumables during an insured repair.

RIM Protection

Best Seller

Kerbed your Baleno’s alloys or bent a steel rim on a rough patch? We cover the cost of repairing or replacing damaged wheels with this add-on.

Roadside Assistance

Best Seller

One tap on the IndusInd Self-i app brings towing, battery jump-starts, tyre change, or fuel delivery, 24×7, anywhere in India.

Personal Belongings

Best Seller

Covers loss of valuables (over ₹5,000*) like laptops, tablets, or cameras stolen from your locked Maruti. This is ideal for commuters and road-trippers.

Daily Allowance Benefit

Best Seller

If authorised repairs take more than three days*, we pay a daily allowance so you can book cabs, auto-rickshaws, or a self-drive rental.

EMI Protection Cover

Best Seller

When repairs stretch past 21, 42, or 63 days*, we step in to cover your monthly car-loan EMIs, easing the financial strain.

No Claim Bonus (NCB) Retention Cover

Best Seller

Make one small claim* in a policy year without losing your hard-earned NCB discount at renewal.

Electrical Accessories Cover

Best Seller

Protect aftermarket electrical gear, touch-screen infotainment, reverse cameras, or dashcams that didn’t come factory-fitted.

Non-Electrical Accessories Cover

Best Seller

This particular add-on covers custom seat covers, bumper guards, roof rails, or chrome trims if they’re damaged or stolen.

Geo Extension Cover

Best Seller

Extends protection when you drive your Maruti into neighbouring countries like Nepal, Bhutan, or Sri Lanka. This one is perfect for cross-border road trips.

How to Buy and Renew

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Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

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How to Renew

Go to the calculator on top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Maruti Car Insurance Premium

Several factors influence the cost of insuring your Maruti, including the model you drive, its current value and the type of policy and add-ons you choose. Knowing these factors helps you balance premium cost with the protection you really need.

Your Maruti Car’s IDV

IDV (Insured Declared Value) is simply the current market price of your Swift, Dzire, or any other Maruti. A higher IDV slightly increases the premium but promises a larger payout if the car is stolen or written off. You can tweak this value while buying or renewing to balance cost and protection.

Car’s Make and Model

Premiums vary by model, fuel type, and engine size. A Grand Vitara with a 1.5-litre petrol/hybrid unit costs more to insure than an Alto K10, because repairs and parts are pricier. Extra fittings, such as spoilers or alloy upgrades, also increase the rate since they add to the replacement cost.

Type of Coverage

Third-party plans are the legal minimum and cheapest, but they cover only damage you cause to others. Comprehensive policies cost more, yet shield your own Maruti from accidents, theft, fire, and floods. Add-ons lift the price slightly but offer broader peace of mind.

Add-On Covers

Nil-Dep, Engine Protect, Tyre Cover, and similar extras increase the premium by a small margin but save significantly at claim time. Choosing the add-ons most relevant to your driving, say, Tyre Cover for pothole-ridden routes, lets you customise protection where you feel the pinch most.

Claim History

A claim-free year earns you a No-Claim Bonus discount, trimming next year’s premium. Multiple claims, on the other hand, signal higher risk and push the price up. Driving carefully and claiming only when necessary helps keep your premium low and your NCB growing.

Installing Anti-Theft Devices

Fit an IRDAI-approved steering lock or car alarm, and insurers may reward you with a lower premium because the risk of theft drops. It’s a one-time spend that offers lasting savings, especially handy if you often park your Wagon R or Baleno on busy streets.

Covers & Features

How to File

How to File a {Page Name} Claims?

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How to File a Mahindra Car Insurance Claim?

Cashless Claim

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Self-i app.

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.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Self-i app's live video survey feature or by submitting photos.

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 once repairs are done. You will only need to pay mandatory deductibles (if any).

Reimbursement Claims

Step 1: Initiate the Claim

o initiate a claim for damage, total loss 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

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 of your claim, we will transfer the claim amount directly to your bank account.

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Maruti Cars & SUVs - Models and Prices

If you are planning to buy a Maruti car, you’ll be spoilt for choice! From hatchbacks to SUVs, there are ample options to choose from. And if you are not sure about the price ranges, here is a quick table at a glance:

Maruti Models	Price (As of August 2025)#
Maruti Suzuki Eeco	₹5.70 - ₹6.96 lakh
Maruti Suzuki Alto	₹4.23 - ₹6.21 lakh
Maruti Suzuki Swift	₹6.49 - ₹9.65 lakh
Maruti Suzuki Alto K10	₹4.23 - ₹6.21 lakh
Maruti Suzuki Ertiga	₹9.12 - ₹13.41 lakh
Maruti Suzuki WagonR	₹5.79 - ₹7.62 lakh
Maruti Suzuki Baleno	₹6.74 - ₹9.96 lakh
Maruti Suzuki Swift Dzire	₹3.41 - ₹5.06 lakh
Maruti Suzuki Grand Vitara	₹14.45 - ₹26.27 lakh
Maruti Suzuki Vitara Brezza	₹7.84 - ₹11.49 lakh
Maruti Suzuki XL6	₹14.76 - ₹18.48 lakh
Maruti Suzuki Celerio	₹7.11 - ₹9.24 lakh
Maruti Suzuki Ritz	₹5.30 lakh
Maruti Suzuki S-Presso	₹5.16 - ₹7.42 lakh
Maruti Suzuki Fronx	₹9.13 - ₹16.60 lakh

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Reliance’s online set up helps ease the process of purchasing a health plan.

Features	Features
Premium starting at	Premium starting at

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

From the daily office commute to weekend getaways, your Maruti is part of countless journeys. Built for comfort, mileage, and reliability, it still faces everyday risks, such as dents from tight parking spots, water damage in monsoon traffic, or repairs after unexpected collisions.

IndusInd Maruti Car Insurance (earlier Reliance Maruti Car Insurance) helps you handle these moments without worry. Starting at ₹238/month*, it offers wide-ranging protection, covering accidental damage, theft, and natural events like floods, storms, or earthquakes. Third-party liability cover also keeps you compliant with traffic laws and protects you from legal or financial setbacks.

With 11,000+ cashless garages* nationwide, repairs are quick, and you don’t have to pay upfront! We settle the bill directly with the workshop. Backed by 24/7 customer assistance and a seamless digital process with the IndusInd Self-i App, it’s a plan designed to keep your Maruti safe and your journeys stress-free. Get insured today and drive on with complete confidence.

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Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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Get Customised Coverage for Your Maruti!

Enjoy complete protection for your Maruti car, covering everything from own damage to theft and more. Plus, choose from handy add-ons to boost your coverage exactly the way you want today.

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Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.