Maruti Suzuki Baleno Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
5700+
Cashless Garages
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Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Maruti Suzuki Baleno car insurance policy online
The Maruti Suzuki Baleno is often chosen for its smooth ride, spacious cabin, and easy handling, especially in everyday city driving. When a car is used regularly for work, errands, and family travel, it is exposed to traffic-related risks, minor accidents, and unexpected situations that can quickly turn into unplanned expenses.
This is where the right car insurance becomes important. A well-structured policy helps you manage repair costs, third-party liabilities, and accidental damage while keeping you compliant with motor insurance requirements. Zurich Kotak supports this need through a digital-first process, access to a vast network of 5700+ cashless garages across India, and clearly defined coverage that helps you handle claims and repairs with less uncertainty.
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Features of Maruti Suzuki Baleno insurance
Baleno car insurance is designed to provide practical protection and ease of access, helping you manage everyday driving risks without unnecessary complexity.
Wide network of cashless garages
Get your Baleno repaired at 5,700+ authorised cashless garages across India, without the need to pay repair costs upfront at approved centres.
Coverage against third-party liabilities
Stay compliant with the Motor Vehicles Act through mandatory third-party cover, which protects you against legal and financial liabilities arising from injury, death, or property damage to others.
High claim settlement ratio
Benefit from a strong claim settlement track record, helping ensure faster approvals and smoother claim processing during emergencies.
Easy policy purchase
Buy or renew Baleno insurance online in minutes through a simple, paperless process, with minimal documentation
Customisable add-ons
Enhance your coverage with optional add-ons such as depreciation cover, roadside assistance, and engine protection, based on your driving needs.
No Claim Bonus (NCB) benefits
Save on your Baleno car insurance premium with No Claim Bonus of up to 50% for consecutive claim-free policy years.
Instant policy issuance
Receive your car insurance policy instantly via email after successful payment, ensuring uninterrupted coverage from day one.
Types of insurance plans for Maruti Suzuki Baleno
Different insurance plans are available for the Maruti Suzuki Baleno, allowing you to choose coverage based on your driving needs, risk exposure, and budget.
A comprehensive car insurance policy offers extensive protection for your Baleno by covering both third-party liabilities and damage to the insured vehicle. In addition to road accidents, it covers losses caused by natural disasters, man-made incidents, fire, explosions, lightning, self-ignition, and theft. This plan provides broader financial security against unforeseen events.
Third-party car insurance is mandatory under the Motor Vehicles Act for all vehicles in India. This policy covers legal and financial liabilities arising from bodily injury, disability, or death of a third party, as well as damage to third-party property. It does not cover damage to your own Baleno.
A standalone or own damage car insurance policy covers damage to your Baleno caused by accidents, natural calamities, man-made events, fire, explosions, or theft. To purchase this policy, you must already have an active third-party liability cover. This option is suitable if you want protection only for your vehicle while meeting legal requirements separately.
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What is covered under Maruti Suzuki Baleno insurance?
A comprehensive Baleno car insurance policy provides financial protection against several common risks associated with everyday driving.
Accidental Damage
Covers repair or replacement costs arising from unexpected collisions or impact-related damage to your Baleno.
Theft & Total Loss
Provides compensation up to the Insured Declared Value (IDV) if your Baleno is stolen or declared a total loss.
Fire, Explosion & Self-Ignition
Protects your vehicle against losses caused by fire, explosion, or spontaneous ignition incidents.
Natural Disasters
Covers damage caused by floods, storms, cyclones, earthquakes, and other natural disasters as defined in the policy.
Man-Made Perils
Covers damages due to riots, strikes, vandalism, and terrorism (excluding war, nuclear, and government actions).
Third-Party Liability
Legally required cover for injury, death, or property damage caused to a third party by your insured vehicle.
Personal Accident Cover
Offers compensation for accidental injury or death of the owner-driver, up to the specified sum assured, under a comprehensive policy.
Add-On Covers (if opted)
Includes Zero Depreciation Cover, Roadside Assistance, Engine Protect, Consumables Cover, Return-to-Invoice, and other purchased add-ons.
Invalid or improper driving
Loss or damage caused while driving without a valid driving licence, or when the driver does not meet legal driving requirements, is not covered.
Driving under the influence
Any damage or loss occurring while driving under the influence of alcohol, drugs, or intoxicating substances is excluded from coverage.
Mechanical & Electrical Failures
Losses arising from mechanical or electrical failures that are not linked to an accident are excluded.
Wear and tear
Normal ageing, wear and tear, and depreciation of vehicle parts due to regular usage are not covered under the policy.
Illegal activities
Damage resulting from illegal acts, unlawful use of the vehicle, or violation of law is not covered.
Consequential losses
Indirect or consequential losses are not covered unless specifically included through an add-on cover.
War and nuclear risks
Losses caused by war, invasion, nuclear risks, or government-ordered destruction are not covered under the policy.
Geographical limitations
Damage or loss occurring outside the geographical limits mentioned in the policy is excluded.
Policy Lapse
Claims are invalid if the insurance policy has expired or is no longer in effect.
Consumables & Excessive Labour Charges
Regular consumables, such as oil, nuts, bolts, and lubricants, as well as excessive labour charges during repairs, are not covered under the base policy.
Add-on covers for your Maruti Suzuki Baleno insurance
Car Insurance add-on covers allow you to strengthen your Baleno car insurance by addressing specific risks that may not be fully covered under a standard policy. You can choose these optional covers based on how and where you drive, as well as the level o
Depreciation Cover
This add-on ensures that depreciation is not deducted when parts are replaced during a claim. It helps you receive a higher settlement amount for approved repairs, without reductions for part ageing.
Roadside Assistance
Roadside Assistance provides 24×7 support if your Baleno breaks down unexpectedly. It includes services such as towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-the-spot repairs across India.
Engine Protect
Engine Protect add-on offers financial cover for the repair or replacement of the engine and gearbox if damage occurs due to water ingress, oil leakage, or sudden mechanical failure.
Consumables Cover
Consumable add-on covers the cost of consumable items used during repairs, such as lubricants, nuts, bolts, and filters. These items are usually excluded from standard claims, so this cover helps reduce out-of-pocket expenses.
Return to Invoice
Return to Invoice add-on helps bridge the gap between the original invoice value of your Baleno and its Insured Declared Value (IDV). It applies if the car is declared a total loss or is stolen.
Loss of Personal Belongings
This cover reimburses the cost of personal items that are stolen or damaged from inside the insured vehicle during a covered incident, subject to policy limits.
Tyre Protect
Tyre Protect covers repair or replacement costs for tyres and tubes damaged due to road hazards or accidents, excluding losses caused by normal wear and tear.
Clutch Protect
Clutch Protect covers the repair or replacement cost of the clutch assembly and related components if damage occurs due to clutch burn.
Key Replacement
Key Replacement covers the cost of replacing lost or stolen car keys, helping avoid inconvenience and unexpected replacement costs.
How to buy or renew your Maruti Suzuki Baleno car insurance online?
Buying or renewing Baleno car insurance online is a quick and straightforward process that can be completed in just a few steps.
Get started on the car insurance page.
Visit the Zurich Kotak car insurance page and click on Get a car insurance quote or the renewal option, depending on whether you are buying a new policy or renewing an existing one.
Enter vehicle or policy details.
For a new policy, enter your Baleno’s details, including the registration number, make, and model. For renewal, enter your existing policy number and registered mobile number to retrieve policy details.
Review coverage and premium.
Check your policy details, select the required cover or make changes if needed, and review the premium shown on the screen.
Complete payment online
Make a secure payment to complete the purchase or renewal.
Receive your policy instantly.
Once payment is successful, your Baleno car insurance policy is issued instantly and emailed to you.
How to buy second-hand Maruti Suzuki Baleno car insurance
Purchasing insurance for a pre-owned Baleno requires a few key steps:
Verify the existing policy and its expiry date & Transfer the previous owner’s policy to your name or purchase a fresh one.
Inspect the vehicle to ensure it is in good condition & Choose comprehensive coverage for better protection.
Review available add-ons such as Zero Depreciation or Engine Protect & Update the RC transfer and complete KYC requirements.
Finalise your policy after reviewing the premium and coverage details.
Benefits of choosing Zurich Kotak for Baleno insurance
Choosing the right Baleno insurance is not only about coverage, but also about how easy it is to buy, manage, and use the policy when you actually need it. Zurich Kotak General Insurance Company (India) Limited focuses on making this experience simple and
Comprehensive protection for everyday risks
Baleno car insurance provides cover for both own-damage and third-party liability, helping you manage the financial impact of accidents or unforeseen situations.
Wide cashless garage network across India
Get access to 5700+ authorised cashless garages nationwide, allowing repairs without paying upfront at approved service centres.
No Claim Bonus savings
Earn and retain No Claim Bonus (NCB) of up to 50% for claim-free years, which helps reduce your Baleno insurance premium over time.
Time-saving online process
Buy or renew Baleno car insurance online in minutes with a simple digital journey, and receive instant policy issuance after payment.
Affordable premium options
Car insurance premiums are competitively structured, with additional savings possible through voluntary deductibles, approved anti-theft devices, and applicable discounts.
Minimal effort, paperless experience
The online process requires minimal documentation, making policy purchase, renewal, and management easier without unnecessary paperwork.
24×7 customer support
Dedicated customer care support is available round the clock to assist with policy queries, renewals, claims, and general assistance.
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What factors affect Maruti Suzuki Baleno insurance premium?
Several factors influence the premium you pay for Baleno car insurance, based on the level of risk and coverage selected.
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 renew your insurance 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 –
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
Enter your policy number and mobile number and click on ‘Submit’.
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.
Pay the renewal premium and your policy will be done instantly!
How to file a car insurance claim at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
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
Documents required for filing a car insurance claim
To ensure a smooth and quick claim process for your car insurance, keep the following documents ready:
A copy of your insurance policy document.
Valid photo identity proof of the policyholder.
The driver’s driving licence at the time of the incident.
Completed and signed claim form.
FIR (First Information Report) copy in case of theft, loss, or any third-party claim.
Estimate of repair from the garage (if applicable).
Any additional documents requested after the vehicle inspection.
How to download your car insurance policy copy?
Here are the steps to download your car insurance policy copy online:
Visit the official website or mobile app of your car insurance provider & Navigate to the “Policy Documents” or "Customer Service" section.
Enter your policy number and registered mobile number or email ID & Request an OTP (One-Time Password), which will be sent to your registered contact.
Enter the OTP for verification & Once verified, you can download your car insurance policy document in PDF format.
Save the downloaded document securely on your device for future use.
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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
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.
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 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.
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Frequently Asked Questions
Yes, it is mandatory to have car insurance for a new Maruti Suzuki Baleno before driving it on public roads. As per the Motor Vehicles Act, 1988, every car must have at least a third-party insurance policy. This cover protects against legal and financial liabilities arising from injury, death, or property damage to third parties. Many buyers choose comprehensive car insurance for broader protection, which also covers damage to the Baleno itself.
Yes, you can transfer your No Claim Bonus (NCB) from your previous insurer to Zurich Kotak when buying or renewing Baleno car insurance. NCB applies to the own-damage portion of the policy and is available if you have not claimed in the previous policy year. The bonus usually starts at 20% and can increase up to 50% with consecutive claim-free renewals, helping reduce your premium.
The Insured Declared Value (IDV) represents the current market value of your Maruti Suzuki Baleno after accounting for depreciation. It is the maximum amount the insurer will pay if the car is stolen or declared a total loss. A higher IDV provides better financial protection but increases the insurance premium. A lower IDV reduces the premium but may result in lower compensation during a claim.
You can reduce your Baleno car insurance premium by maintaining a claim-free record to earn No Claim Bonus, choosing an appropriate IDV, and opting for a voluntary deductible. Installing approved anti-theft devices may also help lower premiums. Selecting only essential add-on covers instead of all available options can further control costs while still maintaining adequate coverage.
Yes, roadside assistance is available as an add-on cover with Zurich Kotak Baleno car insurance policies. This add-on provides 24×7 assistance in case of breakdowns and includes services such as towing, battery jump-starts, emergency fuel delivery, flat tyre assistance, and minor on-the-spot repairs. It helps ensure support during unexpected situations while travelling.
Yes, installing approved anti-theft devices in your Maruti Suzuki Baleno can help you get a discount on your car insurance premium. These devices reduce the risk of theft, which lowers the insurer’s exposure. Such discounts are subject to policy terms and the device meeting regulatory or insurer-approved standards. Combining this with NCB and voluntary deductibles can further reduce premium costs.