Maruti Suzuki Car Insurance – Best Plans, Coverage & Premiums (2025)

The most popular and honest car brand in India is you to keep when you own a Maruti Suzuki. Whether you drive an Alto, WagonR, Swift, Baleno, or Brezza, having the right car insurance is essential for both legal compliance and financial protection. In this blog, we will cover everything you need to know about Maruti Suzuki car insurance—the types of plans available, coverage details, premiums, and tips for buying the best policy in 2025.

Why Car Insurance is Important for Your Maruti Suzuki

Car insurance is more than just a legal formality—it’s a shield against financial loss. A car insurance policy protects you in case of:

• Accidents

• Damage to third-party property

• Injury or death of a third party

• Theft or natural calamities (in case of comprehensive cover)

Having the right insurance helps you drive stress-free while also ensuring quick support when needed.

Types of Maruti Suzuki Car Insurance Plans

When it comes to insuring your Maruti Suzuki vehicle, you generally have two main options:

1. Third-Party Car Insurance

This is a mandatory insurance plan under Indian law. It covers:

• Injury or death to a third party

• Damage to third-party property

Any damage to your own car is not covered. This option is budget-friendly and ideal for those who want basic legal protection.

2. Comprehensive Car Insurance

This plan offers wider protection. It includes:

• Third-party cover

• Own-damage cover (accidents, fire, theft, natural disasters)

• Personal accident cover for the driver

• Option to add extra benefits (add-ons)

This is the most recommended option for Maruti Suzuki car owners, especially for newer or high-value models.

Add-On Covers to Enhance Your Policy

Comprehensive plans allow you to choose add-ons to improve your protection. Here are some popular add-ons for Maruti Suzuki car insurance:

• Zero Depreciation Cover: Ensures full claim without deducting depreciation on parts.

• Engine Protection Cover: Useful in flood-prone areas where engine damage is a risk.

• Roadside Assistance: Helps during breakdowns with towing, repairs, or emergency fuel.

• • Return to Invoice: In the event of theft or full loss, you get the entire invoice value of the car.

• No Claim Bonus (NCB) Protection: Keeps your NCB intact even after a claim.

While they are optional, these add-ons can end up saving you a lot of cash.

Premiums for Maruti Suzuki Car Insurance

The following variables affect your Maruti Suzuki auto insurance premium:

• Car model and variant (e.g., Alto vs. Brezza)

• Fuel type (Petrol, Diesel, CNG)

• Age of the vehicle

• City of registration

• Type of policy (Third-party or Comprehensive)

• Add-ons selected

• Voluntary deductibles

You can use a car insurance premium calculator online to get an instant estimate and compare various plans.

How to Buy Maruti Suzuki Car Insurance Online

Buying car insurance online is quick, easy, and transparent. Here’s a step-by-step guide:

1. Visit a trusted insurance website like Square Insurance.

2. Fill in the make, model, variant, fuel type, and registration number of your vehicle.

3. Choose the type of insurance – third-party or comprehensive.

4. Compare available plans based on coverage, premium, and add-ons.

5. Select the best plan as per your needs.

6. Make the payment online and get your policy instantly.

Renewals and claim tracking are also easy through the online platform.

Top Reasons to Buy Maruti Suzuki Insurance Online

Instant Policy Issuance

When you buy Maruti Suzuki car insurance online, you don’t have to wait for days. As soon as you complete the payment and provide basic details, your insurance policy is issued immediately. You’ll receive the policy document on your email or mobile, ready to use.

No Paperwork

One of the biggest benefits of buying insurance online is that there's no physical paperwork involved. You just need to enter your car details, upload scanned copies (if required), and you're done. This saves time and effort, especially compared to offline methods that involve forms and signatures.

Lower Premiums Due to Digital Discounts

Many insurers offer exclusive online discounts since they save on agent commissions and paperwork. This means you get better coverage at a lower cost when you buy or renew your policy online. It’s a smart way to save money without compromising on protection.

Easy Comparison of Plans

When buying online, you can compare multiple car insurance plans side-by-side based on features, premiums, claim settlement ratios, and more. This helps you make an informed decision and choose the plan that offers maximum benefits at the best price.

24x7 Customer Support

Online insurance providers like Square Insurance offer round-the-clock support, so you can get help at any time—whether it's for buying, renewing, or claiming. You don’t have to wait for office hours to get your queries resolved.

Hassle-Free Claim Assistance

Online insurers often have simplified claim processes. Many offer features like:

• Cashless repairs at authorized garages

• Easy claim registration through apps or websites

• Real-time claim tracking

This makes the entire claim process smoother, quicker, and less stressful.

Claim Process for Maruti Suzuki Car Insurance

Filing a claim is simple. Here’s how:

1. Inform the insurer immediately after the incident.

2. Register your claim online or via call.

3. Get vehicle inspected by an authorized surveyor.

4. Submit documents such as RC, driving license, and FIR (if required).

5. Get the car repaired at a network garage for cashless service.

6. Claim settlement will be processed as per policy terms.

With comprehensive plans, many insurers offer cashless claim service at authorized Maruti Suzuki workshops.

Tips to Lower Your Premiums

You can reduce your Maruti Suzuki insurance premiums by:

• Opting for higher voluntary deductibles

• Installing anti-theft devices

• Avoiding unnecessary add-ons

• Not making minor claims (to retain NCB)

• Renewing the policy on time

Popular Maruti Suzuki Models Covered Under Insurance

Insurance is available for all major Maruti Suzuki models, such as:

• Maruti Suzuki Alto K10

• Maruti Suzuki WagonR

• Maruti Suzuki Swift

• Maruti Suzuki Baleno

• Maruti Suzuki Dzire

• Maruti Suzuki Brezza

• Maruti Suzuki Ertiga

Each model has specific insurance rates based on its segment and safety features.

Conclusion

Whether you're a first-time car owner or have been driving a Maruti Suzuki for years, having the right car insurance policy is a must. A good insurance plan gives you peace of mind, legal cover, and financial security in times of trouble.

By choosing a comprehensive Maruti Suzuki car insurance policy with the right add-ons, you ensure full protection for your vehicle at an affordable premium. Always compare plans online and use tools like a car insurance premium calculator to get the best deal.

Ready to insure your Maruti Suzuki?

Visit Square Insurance to explore the best plans and buy online today.