Maruti Suzuki Swift Insurance plans at just ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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Buy, Renew & Claim on Self-i
Maruti Suzuki Swift Car Insurance
The Maruti Suzuki Swift is a popular hatchback car in India, known for its comfort and durability. Due to its promising mileage, which ranges between 24.8 and 25.75 kmpl, it is an ideal choice for both urban and rural commutes. However, despite its efficient mileage, the car remains vulnerable to various road hazards that can lead to costly repairs or losses.
For example, consider a scenario where a family takes the Maruti Suzuki Swift for an outing. After a fun day out, while returning home, the car hits a pothole on the road. This accident can cause damage to the car's suspension or undercarriage. Repairing such damages without insurance could lead to significant out-of-pocket expenses. However, with car insurance, you can cover such repair and replacement expenses.
At IndusInd General Insurance (formerly known as Reliance General Insurance), we offer an affordable Maruti Suzuki Swift insurance price that starts at ₹238/month*.
In addition to standard insurance coverage for the Maruti Suzuki Swift, several unique add-ons enhance protection and convenience for the car owner. Not only this, but with the Self-i app, managing insurance for your Maruti Suzuki Swift becomes extremely convenient. Through this app, you can carry out essential tasks such as buying a new policy, renewing an existing insurance plan, and filing claims in just a couple of minutes.
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.
Why Do You Need Maruti Suzuki Swift Insurance?
Legal Mandate
Whether you are driving a Maruti Suzuki Swift or any other car, having a car insurance plan in India is a mandatory requirement. Driving without third-party car insurance can invite fines and penalties from the authorities. The fine ranges between ₹ 2,000* to ₹4,000* and, in some cases, it may even lead to imprisonment for up to 3 months.
Covers Repairs Expenses
Maruti Suzuki Swift is known for its comfortable ride, making it a favourite among urban and rural drivers alike. However, despite these strengths, the Swift is not immune to damage from potholes and rough roads. Our car insurance helps cover these repair costs, protecting owners from unexpected expenses and ensuring the vehicle remains reliable.
Covers Car Theft
Car theft is a common issue in many Indian cities, such as Delhi and Chennai, with numerous cases reported regularly. Maruti Suzuki Swift, being one of the most popular cars on the road, can also be a target for theft. IndusInd car insurance ensures protection against such losses by covering the cost of theft.
Covers Natural Disasters
Incidents of natural disasters, such as floods and earthquakes, are common in many parts of India. These incidents can cause severe damage to vehicles. For instance, flood water can cause damage to the Maruti Suzuki Swift engine. However, with our car insurance plan, you can easily protect your vehicle against such hefty expenses.
Covers Fire and Fire-Related Damage
Fire damage to a vehicle like the Maruti Suzuki Swift can be devastating and often irreparable. Our car insurance coverage protects against losses caused by fire, including accidental fires or related incidents, ensuring that owners are compensated for the damage without having to bear the full financial burden.
Network Garages and Spare Parts
Being a widely used car, the Maruti Suzuki Swift deserves repair and maintenance at trusted and reliable garages that use genuine parts. With our extensive network of over 11,000 garages* nationwide, we guarantee timely and seamless repair services, ensuring the best care for your Swift.
Types of Maruti Suzuki Swift Insurance Plans
Comprehensive Car Insurance
This plan offers complete coverage to the Maruti Suzuki Swift against own vehicle damage and third-party damage. For instance, while parking your Maruti Suzuki Swift in a narrow lane, you accidentally hit another vehicle. This minor collision causes damage to your vehicle as well as others. In such a scenario, IndusInd's comprehensive car insurance plan covers the repair costs of both vehicles.
Pay As You Drive Car Insurance
This insurance plan is designed for Maruti Suzuki Swift owners who don’t clock high mileage regularly. This insurance option calculates premiums based on the actual distance driven. You can select a yearly kilometre cap that suits your usage, with an allowance for extra kilometres beyond the chosen limit. Unused kilometres can be rolled over to the next year, and you can also top up if you exceed your plan.
Third Party Car Insurance
This car insurance plan is legally mandatory in India, no matter what car you own. This plan is not only affordable but also crucial. It covers third-party and property damages caused by insured vehicles. At IndusInd General Insurance, we offer third-party car insurance with options ranging from 1 to 3 years* for new car owners. This ensures that you remain compliant without the worry of annual renewals.
Own Damage Car Insurance
If you already have third-party car insurance, then adding own damage cover gives your Maruti Suzuki Swift extra protection. You can choose short-term coverage for specific times, like the monsoon season, or opt for year-round protection. At IndusInd General Insurance, we offer flexible plans that cover accidental damage, natural events, and other risks to keep your car in good shape.
IndusInd General Insurance offers various car insurance plans with a unique set of features that align with your Maruti Suzuki Swift driving experience.
Disclaimer: Please refer to the official policy documents for detailed information.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.
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Maruti Suzuki Swift Insurance Add-On Covers
Being widely used, the Maruti Suzuki Swift is prone to various damages, such as engine damage from flood water and tyre damage from driving on poor roads. In such situations, basic insurance coverage is often not enough. That’s why we offer a unique range of add-ons to protect your Maruti Suzuki Swift in various scenarios.
Nil Depreciation
Nil depreciation cover offers reimbursement to the fibre, plastic and rubber parts without factoring in depreciation. With this add-on, you can save hefty out-of-pocket expenses for Maruti Suzuki Swift repairs.
Pay As You Drive
It is for owners who occasionally drive their car. The premium is based on the kilometres driven. You can select the 2,500–10,500 km* with a 125 km* buffer; carry forward unused kilometres or top up if needed.
Return to Invoice
In the event of total loss or damage, this cover helps in receiving the full invoice amount of your Suzuki Swift car. The add-on not only covers the vehicle ex-showroom price but also the registration and taxation fees.
Engine & Gearbox Protection
Though the Swift is reliable, engine repairs can still be expensive, increasing your personal costs. This cover takes care of repair or replacement expenses for engine damage caused by water ingress, oil leaks, etc.
Car Tyre Protection Cover
This add-on protects your Maruti Suzuki Swift by covering the repair or replacement costs for damaged tyres. It is especially useful for damage caused to tyres by rough roads, punctures, bursts, or bulges.
Key & Lock Replacement
This coverage takes care of the cost to replace lost, stolen, or damaged keys, including smart-key reprogramming and lock set repairs. It is ideal for modern vehicles which come with valuable key fobs.
Consumable Expenses
It covers the cost of consumable items such as nuts, bolts, oils and brake fluids, which usually increase repair expenses. It’s especially helpful if your Maruti Suzuki Swift often drives on rough or dusty roads.
RIM Protection
It safeguards the stylish alloys or steel wheels of your Maruti Suzuki Swift, which are not covered by standard policies. It covers the repair or replacement costs of rims damaged due to curbs, rough roads, or accidents.
Roadside Assistance
Whenever you need assistance, whether it is emergency towing or on-site repairs, you can reach out through our helpline or the Self-i app. This round-the-clock support is ideal for frequent Maruti Suzuki Swift drivers.
Personal Belongings
Protects expensive items like laptops or phones valued above ₹5,000* if they are stolen from your locked Maruti Suzuki Swift. This coverage is ideal for professionals who carry essential work devices in their vehicles.
Daily Allowance Benefit
If the vehicle requires repairs at an authorised workshop that last more than three days*, this add-on offers a daily cash allowance. It helps cover the cost of alternative transportation, such as cabs or public transit.
EMI Protection Cover
In case your Swift is under repair for an extended period exceeding 21, 42, or 63 days*, this add-on covers your monthly car loan EMIs. Covering these payments alleviates financial stress during long repair durations.
No Claim Bonus (NCB) Retention Cover
It allows you to retain your valuable no claim bonus discount even after making up to 2 claims* in the policy year. It protects your premium savings by ensuring that a single claim does not affect your renewal benefits.
Electrical Accessories Cover
This add-on protects the electrical fittings you have installed in your Swift, such as audio systems, parking sensors, etc. Such accessories are excluded from the standard plan, but this add-on offers enhanced security.
Non‑Electrical Accessories Cover
This add-on provides coverage to vehicle owners for items such as alloy wheels, custom seat covers, bumper guards, and decorative trims against theft or damage. This add-on keeps your car’s unique style intact.
Geo Extension Cover
This add-on extends your Maruti Suzuki Swift’s insurance coverage to India’s six neighbouring countries*, such as Nepal, Bhutan, etc. It ensures your vehicle is protected against covered risks even beyond Indian borders.
Factors Affecting Maruti Suzuki Swift Insurance Premium
Several factors contribute to the Maruti Suzuki Swift insurance price, including the vehicle's age, the car's IDV, and others. Let us understand these factors in detail.
Maruti Suzuki Swift IDV
IDV, also known as Insured Declared Value, is basically the current market value of the car. Vehicle owners need to choose an IDV at the time of purchasing a plan. It plays a crucial role in determining the premium. The higher the IDV of the car, the higher the car insurance premium.
Car Make and Model
The car make and model also play a significant role in car insurance premiums. This generally includes engine capacity, fuel type, model, and other relevant details. A car with a higher engine capacity generally has a higher premium due to the hefty repair costs in case of an accident.
Type of Coverage
When considering insurance for the Maruti Suzuki Swift, the type of coverage significantly impacts the cost. Third-party insurance is usually more affordable, whereas comprehensive plans have higher premiums due to the broader protection they offer.
Add-on Covers
While add-ons increase your insurance premium slightly, they extend coverage to important components like tyres, rims, keys, and locks that basic policies often exclude. These additions can save you from large repair bills by covering parts based on your needs.
Claim History
A claim history also plays a crucial role in deciding the Maruti Suzuki Swift insurance price. A frequent claim indicates a higher-risk driver, resulting in a higher premium. Therefore, it is crucial to maintain the claim history.
Anti-theft Device
Using an IRDAI-approved anti-theft device on your car also helps in reducing the car insurance premium. An anti-theft device enhances the security of the Maruti Suzuki Swift, which lowers the insurance provider's risk, and they reward this by offering a discount on the premium.
Maruti Suzuki Swift Key USPs
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Maruti Suzuki Swift - Models and Prices
The Maruti Suzuki Swift is available in various variants, depending on the fuel type and transmission. Each of these variants is known for its stylish design and performance. Let us have a look at the different Maruti Suzuki Swift models and prices.
Maruti Suzuki Swift | Price (as of August 2025)# |
|---|---|
Maruti Suzuki Swift LDI (Diesel) | ₹5,99,000 |
Maruti Suzuki Swift LXI (Petrol) | ₹5,99,450 |
Maruti Suzuki Swift LDI Optional (Diesel) | ₹6,19,000 |
Maruti Suzuki Swift VXI (Petrol) | ₹6,95,000 |
Maruti Suzuki Swift ZXI (Petrol) | ₹ 7,63,000 |
Maruti Suzuki Swift ZXI AMT (Petrol) | ₹8,18,000 |
Maruti Suzuki Swift ZXI Plus (Petrol) | ₹8,34,000 |
Maruti Suzuki Swift ZXI Plus Dual Tone (Petrol) | ₹8,35,000 |
Maruti Suzuki Swift ZXI Plus AMT Dual Tone (Petrol) | ₹8,85,000 |
Maruti Suzuki Swift ZXI Plus AMT (Petrol) | ₹8,89,000 |
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
The Maruti Suzuki Swift, being an ideal hatchback for small and middle-class Indian families, requires proper car insurance coverage. The insurance coverage protects cars against various types of damage and loss. Whether it is flood damage to a car engine or a tree branch that fell on your Swift, the insurance plan will cover the unexpected expenses.
When it comes to affordable car insurance plans, we at IndusInd General Insurance (previously known as Reliance General Insurance) offer customised plans based on your vehicle needs. With over 11,000+ network garages* spread across the country, getting your Maruti Suzuki Swift ready after damage is easy without paying any upfront fees.
Not only this, but the Self-i app also makes the buying and renewing process seamless. You can also use the video call feature for self-inspection for registering a claim through the app. With this application, you will be able to access all your policy documents in one single place. Secure your Maruti Suzuki Swift now with our cost-effective car insurance plans.
Swift insurance starting at just ₹238 per month*
Your Swift, our priority!
Comprehensive coverage for damage, fire, and theft, with add-ons for extra convenience.
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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