Maruti Suzuki Swift Car Insurance

Repairs and replacements for your Maruti Suzuki Swift can swiftly empty your pockets. To protect your car from the damage of unforeseen accidents or disasters, the Maruti Suzuki Swift car insurance covers all repairs and replacements while safeguarding your finances. It can cut down repair costs of Rs. 1 Lakh to Rs. 3 Lakh to a small fraction. 

The car insurance for Maruti Suzuki Swift not only covers repairs and tears of your car but also injuries sustained by the passengers in case of an unforeseen mishap. This satisfies the Motor Vehicles Act of 1988 that mandates third-party liability insurance for cars purchased in India. The Maruti Suzuki Swift car insurance covers you, your loved ones and your car.

Let’s take a look at the various Maruti Suzuki Swift variants and the insurance premiums you will have to pay for each model:

The ex-showroom prices are for Delhi and are subject to change based on the city.

Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

In case you are looking for a car insurance plan for your Maruti Suzuki Swift, here are the steps you can follow to buy one on Bajaj Markets:

• Step 1: Visit the ‘Car Insurance’ section on the Bajaj Markets website.

• Step 2: Input details about your car and registration.

• Step 3: Use a car insurance calculator to find the right plan for your needs .

• Step 4: Upload all the necessary documents.

• Step 5: Make the online payment and your insurance plan will be activated soon.

• Step 6: Don’t forget to download the insurance policy document.

• Step 1: Visit the ‘Car Insurance’ section on the Bajaj Markets website.

• Step 2: Enter your vehicle and registration details, as well as details of your existing or expired insurance plan. 

• Step 3: The options to renew your car insurance will appear on the screen, as well as the prices of the plans. Choose your preferred plan.

• Step 4: Make the online payment and your car insurance policy for Maruti Suzuki Swift will be renewed.

• Step 5: Make sure you download the insurance policy document.

No matter how good a driver you may be or how well you maintain your car, there will always be risks. Dangers such as accidents, injury, theft, natural calamities, malicious acts, vandalism, etc. will always be beyond your control. Repairing your Suzuki Swift in case of a serious accident can cost you anywhere from ₹1 lakh to ₹3 lakh or more, but you can get your car insured at a fraction of this cost. A comprehensive car insurance policy will provide coverage to your car against all such risks by compensating for the damages caused to your vehicle. Besides, having third-party car insurance is mandatory in India under the Motor Vehicles Act, 1988.

There are mainly two types of car insurance plans you can choose from for your Swift:

Third Party Car Insurance

A third party insurance cover is a basic form of car insurance that protects you from third-party liability and provides financial cover to the third party involved in an accident for damages and medical expenses. This type of car insurance is generally cheaper than comprehensive car insurance.

Comprehensive Car Insurance

Comprehensive insurance is a more rounded policy that provides protection to your vehicle and you, as well as third party insurance cover. You can also enhance your policy by adding extra covers like zero depreciation or theft cover. While it’s more expensive than third-party insurance, it saves you the cost of repair and maintenance in the long run.

As mentioned above, third-party insurance only covers the cost of injuries and damages to the third party involved in an accident. It does not provide any coverage to the policyholder. On the other hand, a comprehensive insurance plan includes coverage for the policyholder and their vehicle as well as provides a third-party liability cover.

Most insurance plans have a certain set of exclusions that are not covered by the insurance policy. Car insurance exclusions include situations like normal wear and tear of car parts, accidents due to drunk driving, coverage for replacement of consumables, providing inaccurate information to the insurance company, etc.

Here are some important add-on covers you can consider buying for some added protection:

• Zero Depreciation Cover

   

  A zero depreciation cover allows the policyholder to claim an insurance amount for damages which is equal to the brand new price of the car, without taking depreciation into consideration.

• Consumables Expenses

   

  Generally, the replacement of consumables such as oil, coolant, etc. is not covered by a regular insurance plan. This cover allows for claiming expenses related to consumables as well.

• NCB Protection Cover

   

  No Claim Bonus is a special discount provided to policyholders that do not make any insurance claims for the duration of a policy year. Buying an NCB protection cover ensures that even if you make up to two claims in a year, your NCB in car insurance remains intact.

• Personal Accident Cover

   

  Any accidental injury, disability or even death of the policyholder or driver will be covered under the personal accident cover.

• Return to Invoice Cover

   

  In case your car is damaged beyond repair or stolen, the full market price of the car that you paid at the time of purchase will be refunded as the insurance claim.

Here is a list of important documents that you will need in order to make an insurance claim for your Swift:

1. Car insurance policy papers.

2. FIR of the incident/accident.

3. Detailed information about the incident with eyewitness accounts.

4. Original RC papers of the vehicle.

5. Full set of bills and receipts (in case of reimbursement claim).

There are two types of insurance claim options available to you:

Cashless Claim Settlement

Under cashless claim settlement, you can directly take your car to a network garage where it will be repaired. The benefit of using a cashless claim is that you won’t have to pay anything. The network garage will directly settle the cost of repairs with your car insurance provider.

Reimbursement Claim Settlement

Under the reimbursement claim settlement, you will have to pay for car repairs out of your own pocket initially. You will need to keep all repair related receipts intact and submit them to the insurance company to get the bill amount reimbursed.

Here are some things you can do to reduce the insurance premium price for your Maruti Suzuki Swift:

• Avoid claiming insurance for small repairs

   

  Try to get the small repairs for your cat done out of pocket. If you make multiple insurance claims during a single year, your insurance premiums may go up.

• Use the NCB

   

  The No Claim Bonus is a benefit provided to policyholders who do not make any insurance claims during policy terms. Use this benefit to get reduced insurance premiums during renewal.

• Compare Plans Online

   

  When looking for Maruti Suzuki Swift insurance, you should compare all the car insurance plans available online so that you have the best-suited plan.

• Install Anti-Theft Devices

   

  If you have ARAI-approved anti-theft devices installed on your Maruti Suzuki Swift, you may be eligible for a slight reduction in insurance premium price.

• Choose Add-ons Carefully

   

  You may be tempted to buy many add-on covers but doing so can quickly increase the cost of your insurance premiums. Only choose the add-ons you may really need and avoid getting the rest to keep your premium prices down.

Here are some important points to remember which can help you maintain your Maruti Suzuki Swift and keep it running smoothly for years to come:

• Maintain Tyre Pressure

   

  Make sure your Swift’s tyre pressure is always at accurate levels. Accurate tyre pressure will ensure that no extra stress will be put on the car’s engine.

• Regularly Service Your Car

   

  It is also a good idea to get your car serviced professionally from a garage at least twice a year so that it remains in top shape and any mechanical faults do not go unnoticed for long periods of time.

• Maintain the Engine

   

  The engine is the most important component of your car, so make sure you do not put any undue pressure on it by driving rashly or abusing your car for stunts.

• Do Not Overload

   

  Overloading your car with extra passengers or luggage can result in more stress on the car’s internal components leading to faster wear and tear. Moreover, overloading can imbalance the car, possibly resulting in accidents.

As per reputable automobile websites, the maintenance cost for Maruti Suzuki Swift is around ₹23,500 for the first 5 years. When you buy a new Maruti Suzuki Swift, the first few services may be offered for free by the manufacturer or the car dealership. Let’s take a look at the break-up of the Maruti Suzuki Swift maintenance cost:

Note: These costs are approximate and actual costs may differ depending upon the garage’s prices and the condition of your car.

Since its launch in 2005, the Maruti Suzuki Swift has been ruling the Indian automobile market. Engineered for high performance and comfort, the sporty and sturdy Swift is widely covered by driving enthusiasts, youngsters and families alike. With a starting price of ₹6.45 lakh, the Maruti Suzuki Swift is an ideal car for families and individuals. The car is also highly economical, providing a mileage of around 22-24 kmpl. Let’s take a look at the Maruti Suzuki Swift specifications and on-road price:

Here are some important Suzuki Swift specifications:

Here are some of the main Maruti Suzuki Swift features: 

Let’s take a look at Maruti Suzuki Swift on-road price (base model) in different cities:

Maruti Suzuki Swift is a super-efficient car that is the perfect choice for millions of Indian individuals and families. However, repairing cars and their maintenance can cost a lot of money in case you do not have your vehicle insured. An insurance plan can not only keep your car covered against damage but you can also drive on the roads without any stress of financial loss. If you are looking to buy Maruti Suzuki Swift insurance, you should look into the car insurance plans available at Bajaj Markets. If you want added protection, you can also consider getting add-on covers on top of your plan.