Maruti Car Insurance

Buy/Renew Maruti Car Insurance Policy Online

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Instant Policy With Zero Paper-Work

Instant policy with zero paper-work

Quick and Hassle-Free Claim Process

Quick and hassle-free claim process

Google Review Rating

4/5

We take your safety seriously

Cashless Garages

4600+

Cashless Garages

Insurance Claim

Jet-Speed

Claims

No Claim Bonus

Upto 50%

No Claim Bonus

Claim Settlement Ratio

98.13%

Claim Settlement Ratio

24/7 Around the Clock Assistance

24/7

Around The Clock Assistance

Note: The above data is till 1st April, 2025

About Maruti Car Insurance

Maruti Suzuki cars have long been the trusted choice of Indian drivers, known for their fuel efficiency, affordability, and performance across hatchbacks, sedans, and SUVs. Maruti Suzuki India Limited—the New Delhi-based, well-known Indian automobile manufacturer—was earlier known as Maruti Udyog Limited. Maruti became known as Maruti Suzuki India Limited after it was acquired by the Japanese automobile company, Suzuki Motor Corporation. Renowned for producing affordable vehicles and being committed to innovation, owning a Maruti car means reliability and efficiency.

To safeguard your Maruti Suzuki car against unforeseen damages, accidents, theft, natural calamities, and third-party liabilities, Zurich Kotak General Insurance offers dedicated Maruti Car Insurance plans tailored for your needs. Our policies come with options like comprehensive, third-party, and standalone own-damage coverage. Enhance your protection with add-ons such as Zero Depreciation Cover, Engine Protection, 24x7 Roadside Assistance, and more. Enjoy a seamless online car policy purchase, instant claim support, and a wide cashless garage network across India. Whether it’s a Swift, Celerio, Ciaz, or Baleno, secure your Maruti Suzuki with insurance that’s trusted, flexible, and customer-first. Choose Zurich Kotak General Insurance for smarter protection.

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Types of car insurance plans for Maruti Suzuki

When it comes to protecting your Maruti Suzuki, choosing the right insurance plan ensures peace of mind on every drive. At Zurich Kotak General Insurance, we offer three key types of car insurance policies tailored to meet different needs:

1. Third-Party Liability Insurance

This is the basic and legally mandatory form of car insurance under the Motor Vehicles Act.

What it covers:

  • Injury or death of a third party

  • Damage to third-party property

  • Personal Accident Cover (if not already active, it needs to be purchased separately)

Ideal for:

Car owners seeking the minimum legal coverage to drive their Maruti Suzuki on Indian roads.

2. Own Damage (OD) Insurance

Own Damage insurance offers protection for your Maruti Suzuki car only, covering various unexpected events.

What it covers:

  • Accidental damage to your vehicle

  • Theft or total loss

  • Fire or explosion

  • Damage due to natural calamities (floods, storms, etc.)

  • Vandalism or man-made events

Note: This plan can only be purchased if you already have an active third-party policy.

Ideal for:

Car owners looking to enhance protection without switching to a full comprehensive plan.

3. Comprehensive Car Insurance

Comprehensive insurance offers complete protection—covering both own damage and third-party liabilities.

What it covers:

  • All third-party liabilities (injury, death, property damage)

  • Damage to your own car due to accidents, theft, fire, natural disasters, and more

  • Option to include add-ons like:

  • Zero Depreciation Cover

  • Roadside Assistance

  • Engine Protect Cover

  • Return to Invoice

Ideal for:

Maruti Suzuki owners who want well-rounded coverage with the flexibility to customize their plan.

Benefits of buying Maruti Suzuki car insurance online

Click, insure, relax— getting Maruti car insurance as smooth as your drive!

Why step out when you can secure your car insurance online for Maruti Suzuki car in no time? Quick, hassle-free, and oh-so-convenient—here’s why Zurich Kotak General Insurance is the perfect choice for your Maruti insurance.

image24x7 Availability

Cover, renew, or claim—your car insurance for Maruti Suzuki car is just a tap away, anytime, anywhere! With an internet-enabled device, you can handle it all from your couch, desk, or even on the go.

imageInstant policy purchase/renew

Give your Maruti the protection it deserves, hassle-free. With Zurich Kotak General Insurance website or app, all it takes is a few clicks to buy or renew your car insurance. Just enter your car details and let us take care of the rest—quick, simple, and tailored for your Maruti.

imageNo paperwork

No more drowning in paperwork. At Zurich Kotak General Insurance, Maruti insurance renewal or buying a new policy is smooth and simple—just enter your car details and previous policy info (if you have it), and you’re done.

imageAdd-ons for Maruti Car Insurance

Customizing your car insurance plan with the right add-ons ensures enhanced protection for your Maruti Suzuki. At Zurich Kotak General Insurance, we offer a range of optional covers that you can include in your policy for greater peace of mind and financial security during unforeseen events.

Zero Depreciation Cover

Get the full claim amount without deductions for depreciation on replaced parts like bumpers, windshields, or metal panels. Ideal for newer cars or premium Maruti Suzuki models.

Roadside Assistance

Stuck with a flat tyre, breakdown, or fuel shortage? Our 24/7 Roadside Assistance provides quick help—whether you need towing, on-the-spot repair, or emergency fuel delivery.

Engine Protect Cover

Protects your car’s engine and gearbox from non-accident-related damage due to water ingress, oil leakage, or mechanical breakdowns—especially useful during monsoons or in flood-prone areas.

Consumables Cover

Covers the cost of consumables like engine oil, brake fluid, nuts, bolts, washers, and grease—items often excluded from basic insurance coverage.

Key Replacement Cover

Lost or damaged your car keys? This add-on covers the cost of replacement or reprogramming of keys and locksets due to theft or accidental damage.

Tyre Protection Cover

Covers the repair or replacement of tyres and tubes damaged due to cuts, bulges, blowouts, or other road-related hazards. Does not apply to normal wear and tear.

Return to Invoice Cover

In the event of total loss or theft, this add-on bridges the gap between the current insured value and the car's original invoice price—including road tax and registration costs.

Personal Belongings Cover

Covers loss or damage to personal items (e.g., laptops, mobile phones) inside your vehicle during an accident or theft, subject to policy terms.

imageMaruti Suzuki Car Insurance Coverage

What is covered Under Zurich Kotak Maruti Insurance Policy:

Protection against accidental damage.

Coverage for theft or loss of the insured vehicle.

Damages caused by natural calamities (e.g., floods, earthquakes, storms).

Damages due to man-made disasters (e.g., riots, vandalism).

Third-party liability for injury, death, or property damage.

Optional add-on covers such as:

  • Depreciation cover

  • Engine Protect

  • Roadside Assistance

What is not covered Under Zurich Kotak Maruti Insurance Policy:

Normal wear and tear of the vehicle.

Electrical or mechanical breakdowns.

Damages caused by driving under the influence of alcohol or drugs.

Incidents involving an invalid or expired driving license.

Deliberate or intentional damages.

Damages occurring outside the geographical limits specified in the policy.

imageHow to buy/renew Maruti Suzuki car insurance online?

Buying or renewing your car insurance online for Maruti Suzuki car with Zurich Kotak General Insurance is quick, hassle-free, and far simpler than offline methods. Here’s how you can get started:

  1. Visit the Zurich Kotak General Insurance website and navigate to the ‘Car Insurance’ section.

  2. For new Maruti cars, select the ‘Buy Now’ option to proceed.

  3. For renewals, enter your car’s registration number directly.

  4. Provide essential details like your car’s RTO, Maruti brand, model, fuel type, and variant.

  5. Review premium options based on your input.

  6. Choose the Maruti car insurance plan that fits your budget and needs.

  7. Opt for add-on covers like Depreciation cover or Engine Protect to enhance your coverage.

  8. Confirm your details and proceed to secure payment via debit card, UPI, or net banking.

  9. Once the payment is processed, upload a few necessary details for issuing your policy.

  10. Your policy documents will be instantly emailed to you, ensuring seamless coverage for your Maruti car.

Simplify your insurance experience with Zurich Kotak General Insurance—effortless, secure, and convenient.

Maruti car insurance coverage and add-ons

Depreciation Cover

Zurich Kotak General Insurance offers comprehensive car insurance coverage for Maruti Suzuki car designed to keep your vehicle protected against unforeseen events. From damages due to accidents, theft, and natural calamities to third-party liabilities, the policy ensures all-around security for your Maruti Suzuki car.

Enhance your coverage with a range of add-ons like Depreciation cover for maximum claim value, Roadside Assistance for emergency support, Engine Protect for safeguarding repairs and Return to Invoice cover for complete peace of mind.

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Reviews & Ratings

Look what they have to say

We are very happy if you are satisfied with our service and products. Let's read pure reviews from customers who bought our products.

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Car Insurance

Thank you for this wonderful service. I am in defence forces and I dont much time to take the car personally to the service center. Still you guys cooperated with me and repaired my car. Thank you so much.

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Car Insurance

Surveyor Mr . Debraj was very Excellent he was help me and guide me from claim intimate to claim close .

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Car Insurance

It was nice experience and very easy process.... No hassle.... Keep it up..... I highly recommend you to others..

How to renew car insurance for an old car

Renew your old car with ease, we're here to help

With Zurich Kotak General Insurance, you can renew car insurance policy by just entering your existing policy number or customer ID on the page. Once your policy number/customer ID is verified, you can make the payment to complete your Maruti Suzuki insurance renewal instantly. Want to renew your car insurance policy? Zurich Kotak makes your job easy! Zurich Kotak Car Insurance can be done online in a few simple steps. Read on how –

Click on Zurich Kotak Car Insurance Renewal for Older Car

Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.

Click on ‘Submit’

Enter your policy number and mobile number and click on ‘Submit’.

Details of Your Existing Policy

Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.

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Pay the renewal premium and your policy will be done instantly!

How to file a Claim for Maruti Suzuki Car Insurance Policy?

Filing a claim has never been this easy – we made sure of it

How to file a car insurance claim at Zurich Kotak
Call us on 1800 266 4545

Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

Claim Reference Number

Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

Submit the Relevant Documents

You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

Inspection

An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

Cashless Facility Confirmation

On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.

Required Payment for the Deductible

You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

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Call us on 1800 266 4545

Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.

Claim Reference Number

Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.

Submit the Relevant Documents

You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.

Inspection

An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.

Vehicle Repaired by the Insurer

The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.

Submit All Bills

Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation

What are the Documents Required to Raise Claim Maruti Insurance India

Get familiar with the documents needed for speedy claim process

Documents required for car insurance claim

To raise a motor insurance claim under different situations mentioned above, you will require the following documents.

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Registration Certificate (RC) Copy

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Policy Copy

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Policy holder's valid ID proof

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Drivers Driving license

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FIR Copy (In case of theft and TP claim)

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Duly filled Claim form

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Any further requirements will be conveyed basis inspection

List of Documents Required To Claim Insurance

How to download your Maruti insurance policy copy?

Here is your step-by-step guide to access your policy copy

Losing your Maruti Suzuki car insurance policy for Maruti Suzuki car may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.

Policy Number

Enter your policy number

Enter Phone Number

Enter your registered mobile number Or your registered email Id

Get OTP

Click on Get OTP

Download Insurance Policy Copy

Type the OTP and click on download car insurance policy document

Zurich Kotak General Insurance cashless network garages

Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

Car Insurance glossary

There's always more to know about Car Insurance

Insured Declared Value (IDV) Cover

Insured declared value (IDV) in car insurance

The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.

No Claim Bonus (NCB) Cover

No claim bonus (NCB) in car insurance

The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.

Zero Depreciation Cover

Zero depreciation in car insurance

Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.

Read the Latest Car Insurance Blogs

RTO- Regional Transport Office

Your guide to RTO offices. Get insights into different locations

RTO stands for Regional Transport Office and is a government body responsible for vehicle registration and issuance of driver’s licenses. Also, the RTO in each state is responsible for maintaining the database of its drivers and vehicles.

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Frequently Asked Questions

Maruti Suzuki car owners get tailored insurance plans, expert repairs, and seamless claim support through Zurich Kotak General Insurance.

Absolutely! Repairs are done with genuine Maruti Suzuki spare parts for quality assurance.

Recommended add-ons include:

  • Depreciation cover for newer models.

  • Engine Protect for enhanced safety.

  • Roadside Assistance for emergencies.

Yes, you can switch your car insurance to Zurich Kotak General Insurance while retaining your No Claim Bonus.

Yes, optional Roadside Assistance can be added to your policy for emergency support like towing or breakdown help.

We are a trusted partner of Maruti Suzuki, offering exclusive benefits like cashless claims at authorised service centres, genuine spare parts, and fast claim settlements.

You can purchase it online or through your Maruti Suzuki dealership at the time of car purchase or renewal.

Yes, cashless claims are available at authorised Maruti Suzuki service centres nationwide.

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Zurich Kotak General Insurance

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