Get Maruti Suzuki Alto 800 insurance from only ₹238 per month*

Discounts Up to 90%
11,000+ Network Garages
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Maruti Suzuki Alto 800 Car Insurance

The Maruti Suzuki Alto 800 has long been a fixture on Indian roads. Its compact size makes it ideal for navigating congested city streets and tight spaces, and its exceptional fuel efficiency ensures that travel remains light on the wallet.

However, even the most reliable cars face the unexpected. A tight parking spot or a sudden stop in traffic can lead to significant damage. For instance, suppose you are driving your Alto 800 through a crowded lane when an auto-rickshaw swerves, resulting in a collision. Your car's front bumper is dented, and one of the headlights is cracked. This can quickly turn an affordable ride into a costly repair bill, undermining the very reason people choose the Alto 800. This is where car insurance becomes a critical shield.

At IndusInd General Insurance, our car insurance plans offer you seamless access to a vast network of 11,000+ garages*, ensuring you can get cashless repairs almost anywhere in the country. Our commitment is backed by 24/7 Assistance*, providing you with professional help anytime. Also, you can raise a claim instantly via the Self-i app and get your car back on the road without the usual delay and paperwork. With us, you do not just insure your car, you gain a partner for life's unexpected turns.

Why Us?

Why 5 Crore+ Policyholders Trust Us?

IndusInd General Insurance (previously known as Reliance General Insurance) provides car insurance plans that ensure your Alto 800 is always protected. With affordable premiums, a smooth claim process, and an extensive selection of useful add-ons, you can enjoy the road knowing that your Alto 800 has reliable, all-round coverage backed by trusted support whenever you need it most.

Model Car

10+ Add-On Covers*

Customise your Maruti Suzuki Alto 800 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 Alto 800 Insurance?

Legal Provision

Insuring your Maruti Suzuki Alto 800 is not optional, it is a legal requirement. If you are caught driving without insurance, you could be fined ₹2,000 the first time and ₹4,000 for repeat offences. In certain cases, the punishment can extend to imprisonment of up to 3 months. Having an active car insurance policy in place can save you from legal trouble while ensuring your Alto 800 is protected at all times.

Expert Repairs

The Maruti Suzuki Alto 800’s small turning radius makes it perfect for tight city corners, but its side mirrors and fenders can easily get scraped in narrow lanes. In such cases, your car insurance policy will take care of the repair expenses, allowing you to get your Alto 800 back on the road quickly without having to pay a fortune out of pocket.

Covers Theft

The Alto 800, ideal for daily use, frequently gets parked in unfamiliar or crowded locations, such as shopping malls, offices or busy streets. While this convenience is part of its charm, it also increases the risk of theft. In such cases, if your Alto 800 is stolen, we will pay you the IDV amount. This way, you receive the financial support you need to replace your vehicle and continue with your life's routine.

Covers Natural Disasters

The Maruti Suzuki Alto 800’s low ground clearance makes it perfect for smooth city roads and easy parking. But during floods or heavy rains, water can seep into the car, causing damage to critical components. If natural disasters like sudden flooding, earthquakes, or landslides affect your Alto 800, car insurance can handle the repair expenses, protecting you from significant financial loss.

Covers Fire Damage

Like any vehicle, the Maruti Suzuki Alto 800 can be vulnerable to fire and explosion. Car insurance can shield you from such unexpected damage. For instance, if your Alto 800 catches fire in a garage or is damaged by a fire in a nearby vehicle to your Alto 800, your car insurance will cover repair or replacement costs, ensuring you are not left with hefty bills.

Network Garages and Genuine Spare Parts

Quality repairs are not always guaranteed, especially at local garages where non-original parts may be used to cut costs. At IndusInd General Insurance (formerly Reliance General Insurance), we have an extensive network of garages that use only original spare parts, giving you quality, reliable service every time.

Types of Maruti Suzuki Alto 800 Car Insurance Plans

Comprehensive Car Insurance

This plan offers all-around protection, covering both your car and third-party damages. For example, if your Alto 800 skids on a rainy day and damages its side doors while also hitting a neighbour’s parked car, the policy will cover the repair costs for both your car and the other vehicle. Coverage can be further enhanced with 13+ add-ons, with 3 EV-specific add-ons*.
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Pay As You Drive Car Insurance

This plan charges you based on how much you drive your Alto 800. For example, if you mostly use it for short city commutes, your Alto 800 insurance price will be lower compared to those who use their cars often or for long trips, making it cost-effective yet reliable. Under this plan, you can choose a yearly limit between 2,500–10,500 km* and even get a 125 km grace buffer*.
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Third Party Car Insurance

A third-party car insurance policy is a legal requirement for your Alto 800. It helps cover any damage your car might cause to someone else or their property. For example, if you accidentally bump into another motorist’s bike, this insurance takes care of the costs. While it will not pay for damages to your own car, it is a smart way to meet the legal requirements without out-of-pocket expenses.
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Own Damage Car Insurance

This provides coverage for your vehicle against accidental damage and theft. For example, if a storm damages your car, your insurer will pay for repairing the damaged parts. You can purchase this plan for short-term use (suitable for those living in regions prone to natural disasters during specific months) or long-term (ideal for Alto 800 owners requiring continuous protection).
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Key Features

Key Features of IndusInd Maruti Suzuki Alto 800 Insurance

Whether your Alto 800 is your everyday ride, a weekend companion or your long-commute partner, IndusInd General Insurance offers features that protect your Alto 800 in all situations.

Key Features

Key Features	Descriptions
Starting Premiums	₹238/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Self-i App
Network Garages	11,000+* network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	10+ add-on covers available*
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs* is available
24/7 Customer Support	Available through WhatsApp and Calls

Family Travel Plan

Why buy 4 separate plans when you can buy one plan to cover your family of 4! Our family travel insurance plan offers coverage up to $250,000*, and this coverage is shared among all family members. This makes policy handling and claims processing a lot easier since you'll just be using one plan to cover your entire family during your trip.

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

Inclusions & Exclusions

Maruti Suzuki Alto 800 Car Insurance: Inclusions & Exclusions

Model Car

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.

Model Car

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 Alto 800 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: Please refer to the official policy documents for detailed information.

Need Help?

Schedule a callback

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Maruti Suzuki Alto 800 Insurance Add-On Covers

Different drivers have different needs when it comes to car insurance. Some may want extra protection for accessories, while others may seek roadside assistance for long journeys. At IndusInd General Insurance, we understand this and offer a variety of add-ons to ensure you can customise your plan according to your unique driving habits and vehicle needs.

Nil Depreciation

Money Saver

This add-on lets you claim the full repair or replacement cost for plastic, rubber and fibre parts without depreciation. Offered for cars up to 7 years of age*, it ensures that even long-time Alto 800 owners enjoy extra savings.

Pay As You Drive

Money Saver

This cover allows you to pay a premium based on actual kilometres driven, offering substantial savings while ensuring coverage. Ideal for Alto 800 owners who use their car occasionally or for short trips.

Return to Invoice

Money Saver

This add-on ensures that in case of a total loss or theft, you get the full invoice value of your Alto 800, allowing you to easily buy a new car without facing a financial loss due to depreciation.

Engine & Gearbox Protection

Extra Car Protection

This add-on covers damages caused by waterlogging or oil leaks (common risks in India's monsoon season and on city roads). It is a lifesaver for your budget, protecting against the high cost of engine repairs.

Car Tyre Protection Cover

Extra Car Protection

This add-on shields you from the costs of repairing or replacing a damaged tyre. As the Alto 800 is often used in crowded streets and unpredictable conditions, having this cover can save owners from an unbudgeted expense.

Key & Lock Replacement

Extra Car Protection

This add-on covers lost, stolen or damaged keys and locks, ensuring you can quickly access your car without additional expenses. Useful for those who frequently navigate busy streets or park their Alto 800 in public places.

Consumable Expenses

Money Saver

This add-on covers items like engine oil, nuts and bolts during repairs after an accident. Since these are almost always required after a mishap, it can make repairs more affordable for Alto 800 owners.

RIM Protection

Extra Car Protection

This add-on is designed to protect your car’s rims from damage caused by road hazards like potholes. It provides a separate layer of protection beyond your main policy, helping you avoid expensive repairs.

24/7 Roadside Assistance

Extra Car Protection

This add-on provides 24/7 assistance for issues like flat tyres, fuel shortages, etc. From on-site repairs to towing services, a call to our helpline or a few taps on the Self-i app is enough to get help anytime, anywhere.

Personal Belongings

Extra Car Protection

This add-on covers the cost of personal items worth more than ₹5,000* if stolen from your locked car or damaged in an accident. Ideal for Alto 800 owners who commute with valuable items or often park in public places.

Daily Allowance Benefit

Money Saver

This add-on provides a daily cash payout while your Alto 800 is in the garage for repairs for more than 3 days*, helping you manage transportation costs. A great choice for those who use their vehicle for daily commutes.

EMI Protection Cover

Money Saver

This add-on covers your car loan EMIs if your Alto 800 is in the garage for over 21, 42 or 63 days*. Ideal for those with active car loans, it ensures you do not face financial strain during lengthy repairs.

No Claim Bonus (NCB) Retention Cover

Money Saver

This cover helps you keep your hard-earned No Claim Bonus (NCB) even if you make a claim. That means you can still enjoy a discount on your next renewal. A must-have for Alto 800 owners who have accumulated a high NCB.

Electrical Accessories Cover

Extra Car Protection

Designed for those who love personalising their ride, this add-on protects additional electrical fittings like music systems, rear-view cameras and GPS units, ensuring your valuable investments stay safe from damage.

Non-Electrical Accessories Cover

Extra Car Protection

This cover protects custom fittings, such as seat covers, CNG kits and other style upgrades, in your Alto 800, allowing you to preserve your personalised touches even after unexpected damage.

Geo Extension Cover

Adventure & Travel

This add-on extends your policy's geographical limits to India’s 6 neighbouring countries*, including Nepal, Bhutan and Sri Lanka, providing uninterrupted coverage to Alto 800 owners who frequently travel across borders.

How to Buy

How to Buy/Renew Maruti Suzuki Alto 800 Car Insurance?

Model - Car

Buy Car Insurance

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

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

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

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Car Insurance Renewal

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

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

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Maruti Suzuki Alto 800 Insurance Premium

Several factors influence the Alto 800 insurance price, and knowing them is crucial to plan your budget smartly, choose the right coverage and avoid surprises. Below are the key factors affecting your premium.

Your Alto 800's IDV

The Insured Declared Value (IDV) of your Maruti Suzuki Alto 800 represents its current market value. A higher IDV means you will receive more compensation in case of total loss or theft, but it also results in a higher premium. A lower IDV reduces the premium but can leave you underinsured. Hence, choosing the right IDV is crucial as it ensures adequate coverage, balancing protection and the Alto 800 insurance price

Car’s Make and Model

Your car’s make and model significantly affect the insurance premium as insurers consider the vehicle’s brand reputation, repair expenses, availability of spare parts and overall risk profile. Since the Alto 800 is a popular, entry-level hatchback, it has affordable and easily available parts and a lower repair cost compared to luxury cars. This generally results in a lower insurance premium.

Policy Type

Comprehensive policies offer wide coverage, resulting in higher premiums. A third-party or own-damage policy covers fewer risks and thus has lower premiums. A basic policy may save money but leave you exposed to high repair costs, while unnecessary coverage can inflate premiums. Thus, when choosing a policy, consider your risk tolerance and the level of financial security you desire.

Add-Ons

Including add-ons in your car insurance policy increases the premium. However, these optional covers provide an additional layer of protection against specific risks that go beyond the standard policy, helping you reduce your out-of-pocket expenses during claims. Choosing the right add-ons is important to ensure your policy meets your unique needs, offering comprehensive coverage without paying for unnecessary extras.

Claim Record

Frequent claims signal a higher risk to insurers, leading to increased premiums, while a clean claim record demonstrates responsible driving and earns you a No Claim Bonus (NCB), which is a discount on your premium. The longer you go without making a claim, the greater your NCB. However, if you make a claim, you lose this discount, and your Alto 800 insurance price will likely go up at renewal.

Equipping Your Car with Anti-Theft Devices

Adding IRDAI-approved anti-theft devices to your Alto 800 can help you lower your insurance premium. Insurers view these devices as a way to reduce the risk of theft, which in turn means you are less likely to file a claim. This proactive measure on your part often qualifies you for discounts, helping you save money while keeping your car safer on the road.

Maruti Suzuki Alto 800 Key USPs

The Maruti Suzuki Alto 800's compact dimensions make it ideal for city driving. It allows seamless navigation through congested streets and narrow lanes while also making parking in tight spots much easier. Yet, even experienced drivers can occasionally make small miscalculations which can cause damage. A car insurance policy ensures that such unexpected expenses are covered, protecting both your car and your budget so you can drive confidently through the city.

The Maruti Suzuki Alto 800 is renowned for its affordability and excellent value for money, making it a preferred choice for daily commuters and budget-conscious drivers. However, even the most careful drivers can face mishaps like another vehicle accidentally hitting your car and causing serious damage to it. Such incidents can lead to costly repairs, undermining the very reason for owning an economical vehicle. With car insurance, these expenses are taken care of, ensuring your budget remains intact and your car protected.

The Alto 800 offers effortless handling, thanks to its small turning radius of just 4.6 metres. This makes it easy to steer, especially in traffic-heavy areas or during U-turns. But road conditions like wet or uneven surfaces can affect handling. For example, a U-turn on a slippery road could cause the car to skid, leading to a collision. Having car insurance can protect you from such unexpected incidents by covering the repair costs.

The Maruti Suzuki Alto 800’s 796 cc engine delivers 40.36 bhp of power while maintaining impressive fuel efficiency, making it reliable for daily commuting. However, India's diverse climate, particularly during the monsoon season, can present unexpected challenges like waterlogging. Driving through floodwaters can cause ingression of water or a hydrostatic lock, leading to costly engine damage. A car insurance policy with the Engine & Gearbox Protection add-on will shield you against such damages, allowing you to maintain your car’s performance without bearing unexpected costs.

Disclaimer: For a detailed list of inclusions and exclusions, please refer to our official policy documents linked here.

How to File?

How to File a Car Insurance Claim?

How to File

Cashless Claims

Step 1: Inform Us

You must inform us within 24 hours and and quickly register your claim through the Self-i app or a seamless, hassle-free process claim.

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.

Reimbursement Claims

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

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.

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Maruti Suzuki Alto 800 - Variants and Prices

The Maruti Suzuki Alto 800 comes in multiple variants, each designed to suit different preferences and budgets. From basic models to feature-rich options, these variants cater to varied needs, balancing affordability, mileage and features, making the Alto 800 a versatile choice for diverse customers.

Alto 800 Variants	Price (as of September 2025)#
Alto 800 STD (Manual \| Petrol)	₹3.25 Lakh
Alto 800 LXI (Manual \| Petrol)	₹3.94 Lakh
Alto 800 LXI CNG (Manual \| CNG)	₹4.33 Lakh
Alto 800 VXI (Manual \| Petrol)	₹4.43 Lakh
Alto 800 VXI Plus (Manual \| Petrol)	₹4.57 Lakh
Alto 800 LXI S-CNG (Manual \| CNG)	₹4.89 Lakh
Alto 800 LXI Opt S-CNG BSVI (Manual \| Petrol)	₹5.13 Lakh

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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

The Maruti Suzuki Alto 800 is not just a car; it is a legacy that has carved its presence in the hearts of countless drivers across the nation. For over two decades, it has stood as a symbol of reliability and affordability, becoming a trusted companion for millions of daily commutes and first-time journeys.

But even a car with such a celebrated legacy needs protection from the unexpected risks of the road. This is why we offer car insurance plans that provide coverage against a wide range of scenarios, including accidents, theft, natural calamities and more.

With premiums starting from just ₹238 per month*, IndusInd Maruti Suzuki Alto 800 insurance (previously Reliance Maruti Suzuki Alto 800 insurance) makes protecting your car both affordable and convenient. The plan also includes features like 24/7 support* and instant claim filing through the Self-i app*, which combines speed and convenience, ensuring that help is just a tap away, no matter where you are.

Do not leave your car's safety to chance! Insure your Alto 800 with us today and embrace the road ahead with coverage that stands by you through every journey.

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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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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

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.