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Maruti Suzuki S-Cross is a midsize SUV with a 5-star safety rating and a 1462-cc engine. It is available with both manual & automatic transmission, depending on the variant. The ex-showroom price of this car starts at ₹8.95 Lakhs. The car has great safety features like ABS, Brake Assist, Anti-Theft Alarm, dual airbags, etc. 


For better financial protection and security, choose car insurance for your Maruti Suzuki S-Cross. Choose from a range of add-on covers like engine protection, roadside assistance, and zero depreciation to extend your coverage. Moreover, you can lower insurance expenses by availing a no-claim bonus, settling minor claims, and installing anti-theft devices. 

Insurance Premiums for Maruti Suzuki S-Cross Variants

For better financial planning, refer to the table below to know the cost of insuring the different variants of your Maruti Suzuki S-Cross: 

Maruti Suzuki S-Cross Variants

Ex-showroom price

Fuel Type

Proposed Third-Party Premium Rates (FY2023-24)

S-Cross Sigma

₹8.95 Lakhs



S-Cross Delta

₹10.05 Lakhs



S-Cross Zeta

₹10.14 Lakhs



S-Cross Delta AT

₹11.25 Lakhs



S-Cross Zeta AT

₹11.34 Lakhs



S-Cross Alpha

₹11.72 Lakhs



S-Cross Alpha AT

₹12.92 Lakhs



Disclaimer: The above information is for Maruti Suzuki S-Cross in Delhi only. Premium rates will depend on the specific model, variant, fuel type, place and year of registration, IDV, add-on covers and various other factors. 

How to Buy Insurance for Maruti Suzuki S-Cross Online

You can easily browse and select your preferred car insurance plan for Maruti Suzuki S-Cross on online platforms like Bajaj Markets. Go through the steps provided below to ensure an easy application process: 

  • Open the ‘Car Insurance Premium Calculator’ page 

  • Enter your mobile number and the vehicle’s registration number 

  • Fill out the application form with the required details 

  • Browse insurance plans available and choose one that matches your requirements 

  • Make an online payment for the premium of your chosen plan 


Once your payment is processed, your Maruti Suzuki S-Cross car insurance policy will be sent to your registered e-mail address. 

Why Insure Your Maruti Suzuki S-Cross

Getting car insurance for Maruti Suzuki S-Cross is crucial for many reasons: 

  • Legal Obligation:

It is mandatory to have at least third-party insurance, complying with legal requirements in India

  • Comprehensive Coverage:

Opting for comprehensive insurance provides maximum protection, covering damages from natural or man-made calamities for your Maruti Suzuki S-Cross

  • Financial Protection:

Car insurance prevents unexpected expenses by covering repair costs in the event of accidents

  • Additional Benefits:

Car insurance offers valuable add-ons like roadside assistance and engine protection, enhancing overall protection and convenience

Types of Car Insurance Plans for Maruti Suzuki S-Cross

  • Third-Party Car Insurance

Third-party car insurance is compulsory according to the Motor Vehicles Act, 1988. However, this insurance plan covers third-party liabilities only. Hence, the premium amount of this policy is relatively more feasible. You must note that the coverage offered in this policy is not extended to you or your Maruti Suzuki S-Cross car. 

  • Own Damage Insurance 

Own damage insurance is designed to cover any accidental, theft, fire, natural calamities, or vandalism-related damages to your Maruti Suzuki S-Cross. It is strongly recommended for better financial protection. This type of insurance provides financial security for repairs and replacements due to unforeseen circumstances, giving you peace of mind when driving your car. 

  • Comprehensive Car Insurance

A comprehensive car insurance plan covers third-party liabilities and damages inflicted on your Maruti Suzuki S-Cross. This plan covers insurance against theft, fire, explosion, natural calamities, accidental damage, etc. Furthermore, you can include add-on covers to extend the benefits of your comprehensive car insurance policy. 

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Before finalizing your Maruti Suzuki S-Cross car insurance, understanding the inclusions is crucial. These include:

  • Personal accident coverage for the driver and riders

  • Repair and replacement expenses

  • Third-party liabilities

  • Damage due to natural or man-made calamities

  • Damage resulting from an accident


To avoid claim rejections, become familiar with exclusions in your Maruti Suzuki S-Cross car insurance: 

  • Regular wear and tear

  • Electrical or mechanical breakdowns

  • Damages under the influence of alcohol or drugs

  • Damages during war-like situations

  • Damages without a valid insurance policy or driver's license

Add-On Covers for Your Maruti Suzuki S-Cross

When buying comprehensive car insurance for your Maruti Suzuki S-Cross, you can purchase additional covers that give extensive protection to your vehicle. Let us take a look at some of the add-on covers available: 

  • Zero Depreciation Cover

This add-on helps you avoid the deduction of your car's depreciation value when making an insurance claim, allowing you to claim the cost of a brand-new car instead 

  • Return to Invoice Cover

Get the full purchase value of your car with this cover in the event of total loss due to theft

  • NCB Protection Cover

With this cover, you can renew your insurance policy at a lower rate if you make zero claims during the policy period 

  • Consumable Expenses Cover

You can claim expenses for consumables such as engine oil, nuts and bolts, screws, grease, and more with the consumable expenses cover 

  • Engine and Tyre Secure Cover

This cover acts as a layer of protection for your engine and tyres as the insurer will provide coverage against the expenses of replacement/repair

Process for Filing Cashless Claims

  • Report the accident to your insurer

  • Choose a Network Garage for repairs

  • Take your Maruti Suzuki S-Cross to the selected garage

  • Submit bills and required documents to your insurer

  • The insurer will verify and settle the claim directly with the garage 

Process for Filing Reimbursement Claims

  • Inform your insurer about damages or theft.

  • File a First Information Report (FIR) for theft.

  • Submit the FIR and necessary documents to your insurer.

  • Choose any garage for repairs and pay.

  • Submit receipts and documents to your insurer.

  • Upon verification, the insurer will reimburse your expenses

Documents Required to Raise an Insurance Claim

Here are a few important documents that you need to raise a claim for your Maruti Suzuki S-Cross:

  • Insurance policy document

  • Your car details

  • Insurer details

  • Details of the Incident

  • FIR copy, in case of theft/vandalism

  • Original bills and receipts of the vehicle repair

Tips to Reduce Your Car Insurance Premium

To secure a more cost-effective insurance premium for your Maruti Suzuki S-Cross, keep the following tips in mind: 

  • Avail No Claim Bonus

If you don't file a claim during the policy period, you can receive the No Claim Bonus and enjoy discounted renewal premiums 

  • Cover Small Claims

Pay for small repair/replacement expenses on your own instead of filing claims for them to avoid increased premium costs

  • Use Anti-Theft Devices

Install ARAI-approved anti-theft devices and get additional security for your Maruti Suzuki S-Cross

  • Compare Different Premiums

Research online and compare quotes from different insurance providers to identify the plan that offers maximum coverage at an affordable price

  • Good Driving

By following all the traffic norms and avoiding rash driving, you reduce the possibility of encountering any accidents

Tips to Maintain Your Maruti Suzuki S-Cross

Following a number of essential practices can ensure that your vehicle remains of top quality and help avoid expensive claims. These include: 

  • Keeping the Tyre Pressure in Check

Check the pressure of your car’s tyres regularly and keep them full to avoid sudden punctures or wear and tear

  • Have a Clean Engine

Make sure your Maruti Suzuki S-Cross engine has clean fuel and maintain it for prolonged engine life

  • Changing Oil & Oil Filters

Regularly change the oil and oil filters in your vehicle to make sure that it runs smoothly and the engine stays healthy

  • Brake Fluid

Another important component is brake fluid which should be checked and maintained in sufficient amounts

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FAQs On Car Insurance for Maruti S-Cross

What are the factors one should look at while choosing new insurance for their new S-Cross?

Some points to remember before buying a new insurance policy are: 

  • Always look at buying regular coverage or Zero Depreciation covers.

  • Look at the car value to be insured – most insurers use standard formulas, also called Insured Declared Value, for which your insurance is valid.

  • The actual premiums vary from company to company – but the coverage is standard and the same; hence choose wisely

If I convert my S-cross to CNG what should I do?

Inform your insurer immediately. Any modification to your vehicle will make a difference to your policy. Not doing so could potentially result in a cancellation if there was ever a claim. Make sure to get all modifications or upgrades updated in your policy as early as possible.

What is the mileage of the Maruti Suzuki S-Cross?

The mileage of the Maruti Suzuki S-Cross varies from 18.43 kmpl to 18.55 kmpl. The manual version delivers a mileage of 18.55 kmpl, while the automatic version provides a mileage of 18.43 kmpl. 

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