Maruti Suzuki Ritz 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 Ritz Car Insurance?
A The Maruti Suzuki Ritz is a compact hatchback known for its smart design, fuel efficiency, and smooth driving experience. Whether you're commuting through city traffic, heading out for a weekend getaway, or simply running errands, the Ritz delivers comfort and reliability every time. But even the most dependable cars need protection and that’s where IndusInd car insurance comes in.
For instance, urban driving often involves tight parking spots and unpredictable traffic, which can lead to minor dents or scratches. With our comprehensive car insurance plan, such damages can be covered under the Zero Depreciation add-on, ensuring you get full claim value without deductions for wear and tear.
Car insurance is also a mandatory requirement for all car owners in India. So, your Maruti Suzuki Ritz must be insured with at least a third-party car insurance plan.
You can do this by partnering with IndusInd General Insurance (formerly Reliance General Insurance). You can quickly buy your policy online and save it on your phone via the IndusInd Self-i app. This way, you've always got your insurance papers with you!
IndusInd General Insurance (previously known as Reliance General Insurance) offers access to a wide range of add-ons, a simple claim process, 24x7 customer support and a strong cashless garage network, all designed to keep your Maruti Suzuli Ritz protected.
10+ Add-On Covers*
Customise your Maruti Suzuki Ritz 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 Ritz Insurance?
Legal Mandate
Owning a car in India comes with legal responsibilities, and one of the most important is having valid car insurance. Whether you drive your Ritz daily or occasionally, third-party insurance is mandatory. Without it, you risk fines ranging from ₹2,000 to ₹4,000 and even imprisonment up to 3 months, depending on the severity of the violation.
Covers Car Repairs
The Maruti Suzuki Ritz is built for smooth city drives, but urban roads can be unpredictable. Potholes, minor collisions, and bumper-to-bumper traffic can lead to dents, scratches, or mechanical issues. With comprehensive car insurance, you’re protected from repair costs, ensuring your Ritz stays in top condition without draining your wallet.
Covers Car Theft
Car theft is a real concern, especially in crowded cities and unsecured parking areas. If your Ritz is stolen, comprehensive insurance helps you recover the Insured Declared Value (IDV). And if you’ve opted for the Return to Invoice add-on, you can get reimbursed for the full invoice value of your car, offering complete financial protection.
Covers Natural Disasters
Monsoons, floods, and landslides can cause serious damage to your Ritz, especially to its engine and electrical systems. Standard policies may not cover such events, but with the right add-ons like Engine Protection, your insurance can cover repair and replacement costs, helping you avoid unexpected expenses due to natural calamities.
Covers Fire and Fire-Related Damage
Fire damage, though rare, can occur due to electrical faults, lightning strikes, or external sources. These incidents can lead to costly repairs or even total loss. With fire coverage included in your policy, you’re financially protected against such risks, ensuring peace of mind and minimal out-of-pocket expenses in case of emergencies.
Network Garages and Spare Parts
While spare parts for the Ritz are widely available, not all garages use genuine components. Counterfeit parts can wear out quickly and cause long-term damage. With IndusInd’s network garages, you get access to certified service centers that use original parts, ensuring high-quality repairs and long-term reliability for your vehicle.
Types of Maruti Suzuki Ritz Car Insurance Plans
Comprehensive Car Insurance
Get complete protection for your Ritz with a comprehensive policy that covers both own damage and third-party liabilities. From accidental repairs to natural disasters and theft, this plan ensures your car is protected against multiple risks. You can also enhance coverage with 10+ add-ons for added peace of mind.
Pay As You Drive Car Insurance
A smart, usage-based insurance plan for Ritz owners who drive less. Premiums are calculated based on actual kilometers driven, with coverage options ranging from 2,500 to 10,500 km and a 125 km grace buffer. Ideal for those working from home, owning multiple vehicles, or using public transport frequently.
Third Party Car Insurance
This affordable plan covers damages caused to third-party vehicles, property, or injuries during an accident involving your Ritz. It ensures legal compliance and financial protection. A 5-year third-party policy is also available for new car owners, making it a hassle-free long-term solution.
Own Damage Car Insurance
Protect your Ritz against accidental damage, fire, theft, and natural disasters like floods or landslides with a standalone own-damage policy. Available in flexible durations from 1 month to 1 year, this plan is perfect for those seeking focused protection for their vehicle.
IndusInd General Insurance offers features designed specifically for how and where a Maruti Suzuki Ritz 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 Ritz 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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Maruti Suzuki Ritz Insurance Add-On Covers
Add-ons are a smart way to enhance your base policy coverage, especially if you want tailored protection for your Ritz. For instance, the PAYD cover suits drivers who prefer personalised premium rates based on actual car usage, while the tyre protection add-on is ideal for those frequently navigating uneven city roads. At IndusInd General Insurance, we offer 10+ add-on covers* for your Ritz, giving you the flexibility to customise your insurance plan based on your driving habits and lifestyle.
Nil Depreciation Cover
Extra Car Protection
Get full claim value without deductions for part depreciation. Covers plastic, rubber, glass, battery, and AC components, ensuring maximum reimbursement during repairs.
Pay-As-You-Drive Insurance
Money Saver
Smart, usage-based plan where premiums are calculated based on actual kilometers driven. Ideal for Ritz owners who drive occasionally or use alternate transport.
Return to Invoice Cover
Extra Car Protection
Adding a child to the family is a joyous occasion for parents. It is also an important milestone for every couple as they get an added responsibility for the child. While pregnancy and childbirth are wonderful experiences, they can prove expensive too.
Standard OPD Cover: These plans typically cover basic out-patient expenses such as doctor consultations, diagnostic tests, and medicines.
Return to Invoice Cover
Extra Car Protection
In case of total loss or theft, this add-on reimburses the full invoice value of your Ritz, including registration and road tax, instead of the depreciated IDV.
Engine Protection Cover
Safeguards your Ritz’s engine against damage from water ingression, oil leakage, or flooding. Covers repair and replacement costs for critical engine components.
Tyre Protection Cover
Extra Car Protection
Covers repair or replacement costs for tyre damage due to cuts, bursts, or bulges caused by poor road conditions, potholes, or sharp debris.
24x7 Roadside Assistance
Round-the-clock emergency support including towing, flat tyre help, fuel delivery, battery jump-start, and minor repairs — wherever your Ritz takes you.
Loss of Personal Belongings
Extra Car Protection
Compensates for loss or theft of personal items like laptops or phones from your Ritz during accidents, theft, or burglary while parked in a secure location.
Daily Allowance Benefit
Money Saver
Provides daily travel allowance if your Ritz is under repair for more than 3 days post claim approval, helping you stay mobile during service delays.
NCB Retention Cover
Money Saver
Protects your No Claim Bonus even after a claim is made, ensuring you retain your discount benefits when renewing your Ritz car insurance policy.
Total Cover
Extra Car Protection
A bundled protection plan covering own damage, third-party liability, theft, fire, and more — offering complete peace of mind for your Ritz.
Geo Extension
Adventure & Travel
Extends your Ritz’s insurance coverage beyond standard geographical limits, ideal for cross-border travel or long-distance road trips.
Electrical Accessories
Extra Car Protection
Covers damage or loss of advanced electrical components like infotainment systems, sensors, and other tech upgrades installed in your Ritz.
Non-Electrical Accessories
Extra Car Protection
Provides coverage for custom modifications and non-electronic add-ons like seat covers, alloy wheels, and body kits fitted to your Ritz.
Emergency Hotel Accommodation
Adventure & Travel
Offers financial support for hotel stays during unexpected breakdowns or accidents while travelling, ensuring comfort and safety away from home.
11,000+ Cashless Garages
Quick Claim Survey
24x7 Customer Support
Factors Affecting Maruti Suzuki Ritz Car Insurance Premium
Your Maruti Suzuki Ritz insurance premium is calculated based on key parameters that reflect your car’s usage, condition, and coverage preferences. Understanding these factors can help you optimize your plan and reduce costs while ensuring adequate protection.
Ritz’s IDV
IDV refers to your Ritz’s current market value. A higher IDV increases your premium but ensures better claim payouts in case of total loss or theft. You can select your preferred IDV while buying or renewing your policy.
Type of Coverage
Choosing between third-party and comprehensive plans directly impacts your premium. Comprehensive plans with add-ons offer broader protection but come at a higher cost.
Add-On Covers
Add-ons like tyre protection, engine cover, and key replacement enhance your coverage but also raise your premium. The more add-ons you choose, the higher your overall insurance cost.
Car’s Make and Model
Your Ritz’s variant, fuel type (petrol or diesel), and engine capacity influence the premium. Higher engine capacity or commercial use may lead to increased insurance rates.
Claim History
If you haven’t made any claims in the past year, you may qualify for a No Claim Bonus, reducing your premium. Frequent claims, however, can result in higher renewal costs.
Installing Anti-Theft Devices
Equipping your Ritz with IRDAI-approved anti-theft devices signals enhanced vehicle security. This can help lower your premium by reducing the risk of theft-related claims.
Maruti Suzuki Ritz 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 Ritz- Models and Prices
The Maruti Suzuki Ritz is available in multiple variants. There is a Maruti Suzuki Ritz model to match your needs.
Maruti Suzuki Ritz Models | Ex Showroom Price |
|---|---|
Maruti Ritz LXi (Base Model) Manual | Petrol | Rs. 4.30 Lakh |
Maruti Ritz Genus VXi Manual | Petrol | Rs. 4.52 Lakh |
Maruti Ritz Elate Edition VXi Manual | Petrol | Rs. 4.77 Lakh |
Maruti Ritz VXi Manual | Petrol | Rs. 4.89 Lakh |
Maruti Ritz VXi (ABS) Manual | Petrol | Rs. 5.14 Lakh |
Maruti Ritz Genus VDi (Base Diesel) Manual | Diesel | Rs. 5.32 Lakh |
Maruti Ritz ZXi Manual | Petrol | Rs. 5.50 Lakh |
Maruti Ritz LDi Manual | Diesel | Rs. 5.50 Lakh |
Maruti Ritz Elate Edition VDi Manual | Diesel | Rs. 5.79 Lakh |
Maruti Ritz VDi Manual | Diesel | Rs. 5.98 Lakh |
Maruti Ritz VXI AT (Top Model) Automatic | Petrol | Rs. 6.14 Lakh |
Maruti Ritz VDI (ABS) Manual | Diesel | Rs. 6.17 Lakh |
Maruti Ritz ZDi (Top Model) Manual | Diesel | Rs. 6.58 Lakh |
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 Ritz for daily commutes, quick errands, or weekend family drives, you already understand the value of this smart and reliable hatchback. While the Ritz is built for smooth urban driving, it’s still vulnerable to unexpected events like traffic accidents, parking lot scrapes, or even theft.
That’s why protecting your Ritz with a car insurance plan is essential. With IndusInd Maruti Suzuki Ritz Insurance (formerly Reliance Maruti Suzuki Ritz Insurance), you get coverage starting at just ₹238/month*, backed by 24/7 support and a seamless digital-first experience.
We cover accidents, fire damage, 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*, you won’t need to pay upfront for repairs, we settle the bill directly. You can even file claims from your phone using the IndusInd Self-i app, thanks to our video claims feature.
Don’t wait! Protect your Maruti Suzuki Ritz today with a personalized car insurance plan that’s built around your lifestyle.
Reliance General Insurance
Aapke Protection ka All-rounder
Ritz insurance starting at just ₹238 per month*
Your Ritz, fully protected!
Get coverage for accidents, fire, and theft, plus 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
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