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 Maruti Alto 800 Car Insurance

Alto is an entry-level hatchback from the Indian automobile manufacturer Maruti Suzuki. The evergreen Alto has received major revisions over the years with perhaps the biggest upgrade involving the dropping of the ‘800’ tag from its name. Its 796cc engine has also been made BS-VI emission norms-ready, but unfortunately, the car has a 0 star NCAP safety rating. The Maruti Alto 800 on road price starts at ₹3.49 lakh and goes up to ₹5.31 lakh. If you are looking to buy this car, you will also need to get the Maruti Alto car insurance to go along with it.

Check Insurance Premiums for Maruti Alto Variants

Let’s take a look at the various Maruti Alto 800 variants and the insurance premiums you will have to pay for each model:

Maruti Alto 800 Variants

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium**

Alto 800 STD

₹ 3.25 Lakh

Petrol

₹ 2,182

Alto 800 STD Opt

₹ 3.31 Lakh

Petrol

₹ 2,182

Alto 800 LXI

₹ 3.94 Lakh

Petrol

₹ 2,182

Alto 800 LXI Opt

₹ 4 Lakh

Petrol

₹ 2,182

Alto 800 VXI

₹ 4.2 Lakh

Petrol

₹ 2,182

Alto 800 VXI Plus

₹ 4.34 Lakh

Petrol

₹ 2,182

Alto 800 LXI S-CNG

₹ 4.89 Lakh

CNG

₹ 2,182

Alto 800 LXI Opt S-CNG

₹ 4.95 Lakh

CNG

₹ 2,182

 

*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.

Looking to Buy Insurance for your Maruti Alto 800?

Buying a new insurance policy online for your Maruti Alto is a fairly straightforward process. Follow the instructions to get your Maruti insurance in 5 easy steps:

 

  • Visit the Bajaj MARKETS website and head to car insurance plans.

  • Choose the insurance plan of your liking.

  • Enter vehicle details like car registration number, VIN, and contact details.

  • Verify the details entered.

  • Click on ‘Buy’ and download a copy of your insurance.

Easy Renewal for Your Maruti Alto 800 Car Insurance

Here are the simple steps you can follow to get renew the insurance for your Maruti Alto 800 on Bajaj MARKETS:

 

  • Visit the Bajaj MARKETS website and go to the car insurance page.

  • Enter the registration number of your existing policy as well details about your car.

  • A number of insurance options will show up once you have entered your details.

  • Select your preferred plan for Maruti Alto 800 and make the online payment.

  • Make sure to use the NCB if you are eligible.

  • Download your insurance policy papers.

Read More: Car Insurance Renewal

Why do you Need Car Insurance for the Maruti Alto 800?

Before you drive your shiny new Alto, make sure to give it the much-needed safety shield in the form of good car insurance. In the event of an accident or natural calamity, your car will be protected from damages with the right insurance policy. Without comprehensive insurance, you may have to pay anywhere between ₹10,000 to ₹1 lakh or more for repairs and damages. Moreover, it’s also mandatory for all vehicle owners to have at least third-party insurance as per the Motor Vehicles Act, 1988.

Types of Insurance for Your Car

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

Third-Party Insurance

Third-party insurance is a basic form of insurance that only provides financial cover to the third party involved in an accident. This type of insurance does not provide any cover to the policyholder and is usually cheaper than comprehensive car insurance.

Comprehensive Car Insurance

Comprehensive car insurance is a more advanced policy that provides protection to the policyholder and their vehicle as well as the third-party cover benefit. As a result, comprehensive insurance is generally much more expensive than third-party insurance.

What’s Included in Your Car Insurance Plan

Third-party insurance covers the cost of damages to the third party involved in an accident, including the cost of damage to the vehicle and injuries to the third party. Comprehensive insurance covers the cost of damages to your own vehicle as well as the medical treatment cost of your injuries along with the third-party cover. Comprehensive insurance also protects against natural calamities, theft etc.

What’s Not Included in Your Car Insurance Plan

The exclusions under most car insurance plans are for situations like normal wear and tear, consumables like oil or coolant, damage to the car due to drunk driving, providing incorrect information to the insurer, expired insurance policy, etc.

Add-On Covers for Your Maruti Alto 800

Here are some of the main add-on covers you can use to get added protection for your Alto :

  • Zero Depreciation Cover

You can use the Zero Depreciation Cover add-on to ensure that your insurance claim amount will be given at the full price of your car, without counting in depreciation.

  • Consumables Cover

Usually, replacement or refilling of consumables like engine oil, coolant, brake oil, lubricants, etc. is not covered. The consumables add-on cover allows for the coverage of these as under the car insurance.

  • Roadside Assistance Cover

With roadside assistance, you can call and ask for help from a mechanic if you are stuck in the middle of the road. They will come to your location to repair your vehicle or take it to the garage.

  • Return to Invoice Cover

In case your car gets stolen or damaged beyond repair, the insurance company can refund you the full amount (as on the invoice) that you paid at the time of buying the car in the form of an insurance claim.

 

Read more: Add-on Covers in Car Insurance

Making an Insurance Claim for Your Maruti Alto 800

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

 

  1. Your 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).

When making an insurance claim, there are two types:

Cashless Claims

Under cashless claims, you can directly take your Alto 800 to the network garages affiliated with the insurance companies. The garage will repair your vehicle and directly settle the damages with the insurance company. You do not have to pay money out of your pocket.

Reimbursement Claims

Under reimbursement claims, you have to get your Alto 800 repaired at a garage and pay for the expenses yourself. Then you can submit the bills and receipts of the repairs to the insurance company and get the expenses reimbursed once your car has been repaired.

 

Read more: Car Insurance Claim Process

Valuable Tips to Reduce Car Insurance Premiums

Here are some useful tips you can use to lower the price of your Maruti Alto 800 insurance premiums and save money:

  • Do Not Use Insurance for Small Claims

In case your car has minor damages that can be repaired for a small cost, you should get them repaired without claiming insurance. Claiming insurance multiple times in a single term can result in your premiums being raised.

  • Compare Plans Online

At the time of buying a new car insurance plan for your Maruti Alto 800, make sure you compare all the insurance plans offered by different companies. It can help you pick out a plan that fits your budget well but make sure it contains all the coverage you may need.

  • Do Not Opt for Unnecessary Add-Ons

There are a ton of add-ons you can choose from when buying car insurance, but you must carefully select only the add-ons you think you may end up using. Choosing many add-ons can raise the cost of premiums by a lot.

  • Claim the NCB

When a policyholder goes a full policy term without making any insurance claim, they can take advantage of the No Claim Bonus or NCB in car insurance to get lower premiums when renewing their insurance plan.

  • Install Anti-Theft Devices

If you have ARAI-approved anti-theft devices installed in your Maruti Alto 800, you can benefit from a small reduction in the insurance premiums.

Maintaining Your Maruti Alto: Important Tips

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

  • Maintain Tyre Pressure

Make sure your Alto’s tyre pressure is always at accurate levels. Accurate tyre pressure will ensure that no extra stress is 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. This will also help in the early detection of any mechanical faults.

  • Maintain the Engine

The engine is the most important component of your Alto, so do not put any undue pressure on it by driving rashly.

  • 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 and even accidents due to loss of balance.

Maruti Alto Service Cost

As per reputable automobile websites, the maintenance cost for Maruti Alto 800 is around ₹17,000. When you buy a new Maruti Alto, 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 Alto maintenance cost:

Service 

Distance (kms)/Time (months) 

Free/Paid 

Maruti Alto Maintenance Cost (approximate)

1st Service

10000/12

Free

₹1,300

2nd Service 

20000/24

Paid

₹4,500

3rd Service 

30000/36

Paid

₹3,300

4th Service 

40000/48

Paid

₹4,500

5th Service 

50000/60

Paid

₹3,300

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

About Maruti Alto 800

The evergreen Maruti Suzuki Alto has consistently been Maruti’s best-seller in the Indian market. The car’s reliability coupled with reasonably priced spare parts and a good after-sales network has meant that the car is received widely by the Indian public. The new Alto is offered in CNG, which is going to further boost sales for the practical Alto. What's more, the all-new Alto gets a host of safety features like ABS, driver airbags, and rear parking sensors which make it a safe car to drive on Indian roads. Let’s take a look at Alto 800 specifications and features:

Maruti Alto 800 Specifications

If you are curious about the technical specifications of Maruti Alto, here is a list of the main ones: 

Maruti Suzuki Alto 800 Key Specifications

Max Power

40.4bhp@6000rpm

Mileage

31 Kmpl

Engine

796 CC

Transmission

Manual - 5 Gears

Fuel type

Petrol and CNG

Alto 800 Seating capacity

5 Seater

Maruti Alto 800 Features

Maruti Alto has impressive features like ABS, alloy wheels and more, take a look: 

 Power Steering

 ABS

 Power Windows

 Alloy Wheels

 Auto climate control

 Telescopic Steering

 Front Lamps

 Maruti Alto 800 On Road Price in Different Cities

The on road price of Alto will vary depending on location. So, let’s take a look at Alto 800 new model price (base model) in different cities:

Cities

 On Road Price

Mumbai

₹3,68,200

Delhi

₹3,49,000

Bangalore

₹3,79,000

Kolkata

₹3,51,800

 Ahmedabad

₹3,58,700

 To Conclude

After purchasing your all-new Maruti Suzuki Alto, the next thing that is important is to get the right insurance plan to protect your car. Not only is car insurance mandatory, but it can also help you save a ton of money in third-party damages and own repairs. If you are looking for the right place to buy car insurance, Bajaj MARKETS has plans that offer a ton of beneficial features. Check out these car insurance plans and pick the one you like best. 

Check Out Car Insurance Plans Available at Bajaj MARKETS

FAQs On Maruti Alto 800 Insurance

  • ✔️What is the difference between Zero Dep Insurance and Comprehensive Insurance?

    Zero Depreciation is an ‘Add on’ cover, in other words, an added benefit that can be bought with Comprehensive Insurance. Basically, Zero Depreciation is part of Comprehensive Motor Insurance.  

  • ✔️Can I buy motor insurance for my brand new Maruti Suzuki Alto from Bajaj MARKETS?

    Yes, Absolutely. At Bajaj MARKETS, you have a wide range of motor insurance products to choose from. You can also compare insurance premiums and coverage terms and limits from different insurance providers. 

  • ✔️Is it illegal to drive my new car without an insurance policy?

    Yes, driving on the roads without valid car insurance is illegal and can result in penalties of up to ₹5000. To avoid penalties, it is mandatory to have minimum third-party insurance on your vehicle. 

  • ✔️How do I set the IDV for my Alto?

    You should use one of the many IDV calculators available online to calculate the correct IDV for your car.

  • ✔️ What is the Maruti Suzuki Alto 800 price?

    The on road starting price for Maruti Alto 800 is ₹3,68,200.

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