Maruti Suzuki Alto Car Insurance

The Maruti Suzuki Alto is one of India's most popular hatchback options. While this car has a host of safety, keeping it protected against unforeseen perils is important. You can do so by investing in a car insurance plan for your Maruti Suzuki Alto. This will help you cover any unexpected expenses.  

 

You can either choose from a third-party or a comprehensive Maruti Suzuki Alto car insurance. Also, as per the Indian law, purchasing a third-party car insurance plan is mandatory to help you cover third-party liabilities.  

 

Read on to know more about Maruti Suzuki Alto Car Insurance plans. 

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Maruti Alto Variants and Insurance Price

Variants

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium**

Alto STD

3.25 Lakh

Petrol

₹ 2,182

Alto STD (O)

3.25 Lakh

Petrol

₹ 2,182

Alto LXi

3.94 Lakh

Petrol

₹ 2,182

Alto LXi (O)

4.00 Lakh

Petrol

₹ 2,182

VXi

4.20 Lakh

Petrol

₹ 2,182

VXi Plus

4.33 Lakh

Petrol

₹ 2,182

LXi S-CNG

4.89 Lakh

CNG

₹ 2,182

LXi (O) S-CNG

4.94 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.

How to Get Your Maruti Suzuki Car Insurance?

Follow the below steps and buy an Alto car insurance policy within minutes!

 

  • Fill in your mobile number and your Maruti Suzuki Alto registration number.

  • Provide all the necessary details about your car.

  • Pick the car insurance that is best suited for your needs.

  • Pay the car insurance premium online.

  • Your car insurance policy will be sent to your email address upon successful payment.

Renew Your Maruti Suzuki Alto Car Insurance Plan With Just 5 Steps

 

  • Visit the Finserv MARKETS ‘Car Insurance Renewal’ page.

  • Enter your registration number and contact details.

  • Check your car insurance renewal premium.

  • Make the payment online.

  • Download the policy copy.

Read More: Car Insurance Renewal

Why Insure Your Maruti Suzuki Alto?

Your car allows you to commute in comfort. Hence, it is imperative to ensure it looks new as ever! This also implies that you might have to bear the cost of repair in case of any damage. The cost of repair/replacement of damaged car components can go up to ₹50,000 or more. However, with a car insurance policy, you can transfer the onus of bearing such costs on your insurer.

Which Type of Maruti Suzuki Alto Car Insurance Should You Opt For?

Third-Party Car Insurance

A third-party cover is mandatory by law under the Motor Vehicles Act, 1988. It focuses on protecting you from all third-party liabilities, i.e. expenses incurred to a third person and his/her vehicle or property. Hence, the premium charges are easy on the pocket.

Comprehensive Car Insurance

With a comprehensive cover, you are protected against both your own damages as well as third-party liabilities. This type of cover is highly recommended by financial experts since it offers extensive coverage.

What Does Your Alto Insurance Cover?

Third-party car insurance covers any damages such as physical injuries, damages to property, damages to the vehicle, and death caused to the third party by your Alto. On the other hand, along with third-party liabilities, a comprehensive car insurance policy also includes damages caused to you and your vehicle.

What is Not Covered in Your Alto Car Insurance?

Expenses incurred as a result of malicious activities, damages caused due to overspeeding, electrical and mechanical breakdown, or driving under the influence of intoxicants, etc. are not included in your Maruti Suzuki car insurance.

Top-Up Your Maruti Suzuki Car Insurance with Add-on Covers

Here are a few add-on covers that can enhance the benefits of your Alto insurance policy. Here are some common add-on covers.

  • Return to Invoice

    Return to Invoice offers invoice value of your Maruti Suzuki Alto in case it is lost/stolen.

  • Consumables Cover

    This covers the cost incurred in repairing/replacing consumables such as engine oil, gearbox oil, bearings, washers, AC gas, etc. after an accident.

  • Zero-Depreciation Cover

    As the name suggests, this cover ensures you get your total sum assured without any deducting the Alto’s depreciation value.

  • Accessories Cover

    This cover provides financial protection against damages incurred to your car’s accessories in case of any mishap.

Read more: Add-on Covers in Car Insurance

Filing a Claim for Your Alto Car Insurance

In case of a claim, you are required to submit the following documents:

 

  • Duly filled and signed claim form

  • Copy of the insurance policy

  • Copy the vehicle’s registration certificate (RC)

  • Licence copy of the driver driving the vehicle at the time of the accident

  • Copy of the FIR/Police Panchnama registered

  • Original bills and receipts of the vehicle repair

 

There are two ways to claim your Alto Car Insurance:

 

Cashless Claim for Car Insurance Policy

With this type of claim, your damaged Alto must be repaired at your insurer’s network garage. The insurance will settle the payment directly, enabling you to repair your car without spending a dime.

Reimbursement Claim for Car Insurance Policy

Here, you can visit the garage of your choice, bear the expenses, and then file a claim for reimbursement. The reimbursement amount shall be transferred once the claim is approved.

 

Read more: Car Insurance Claim Process

Tips to Reduce Maruti Suzuki Car Insurance Premium

Here are some ways to help reduce your car insurance premium:

  • No Claim Bonus Rewards

    By making zero claims during the policy period, you can earn No Claim Bonus (NCB) rewards. This can be availed at the time of car insurance renewal. 

  • Avoid Small Claims

    Avoid raising insurance claims for inexpensive repairs to secure your No Claim Bonus (NCB) reward.

  • Install Anti-Theft Devices

    For an additional reduction in the insurance premium, you can choose to install anti-theft devices authorised by the Automotive Research Association of India (ARAI).

  • Compare Premium Quotes

    Make sure to compare the insurance premium quotes for the car insurance policies offered by various companies to get the best plan that suits your needs!

  • Maintain Your Alto

    Another easy way to lower your insurance premium is to maintain your car and get it serviced regularly.

Must-Know Tips to Maintain Your Alto

  • Inspect Tyres

    Regularly inspect the tyres for damage, cuts or excessive wear and tear. Also, check for any missing or loose wheel nuts.

  • Check Car Battery

    Regularly check your car battery and see that the battery cables are not corroded, and the electrolyte levels are adequate. 

  • Test the Lights

    Regularly test the car lights, including headlights, tail lights, turn signals and dashboard clickers, and change them as required.

  • Check Fluids Regularly

    Check your oil, coolant, brake, and power steering fluids regularly.

Know the Alto Service Cost

The estimated Maruti Suzuki Alto maintenance cost for 7 years is ₹18,526. The first three servicing of your car is free of cost. Below is the maintenance schedule and the cost applicable:

Alto Service Schedule

Kilometers / Months

Free or Paid

Total Cost

First

10000/1

Free

 ₹1,271

Second

5000/6

Free

 ₹0

Third

10000/12

Free

 ₹1,271

Fourth

20000/24

Paid

 ₹4,536

Fifth

30000/36

Paid

 ₹2,421

Sixth

40000/48

Paid

 ₹6,606

Seventh

50000/60

Paid

 ₹2,421

About Alto

Maruti Suzuki Alto features a grille up front, a revised headlamp, and updated bumpers. To give it a new look, the company has also modified the side fender. The company claims that the current model complies with the forthcoming legislation on injuries and pedestrian safety. With air-con ducts and a sleek speedometer, the cabin gets a dual-tone finish. In addition, the Alto also comes with Bluetooth networking from the Smart Play Dock. To access calls, music, navigation and more, this Smart Play Dock converts the smartphone into a touch interface. Let us explore the Alto fuel tank capacity, mileage, transmission type, and more further in this article.

Maruti Suzuki Alto Specifications

Mileage

22.05 to 31.59 km/kg

Engine

796 cc

Max Power

40.36bhp@6000rpm

Max Torque

60Nm@3500rpm

Transmission

Manual

Fuel Type

Petrol & CNG

Seating Capacity

5 Seater

No. of Cylinders

3

Maruti Suzuki Alto Features

Power Steering

Available

Driver Airbag

Available

Automatic-Climate Control

Not Available

Wheel Covers

Available

Fog Light Front

Not Available

Anti Lock Braking System

Available

Passenger Airbag

Available

A decent city runabout, the Maruti Suzuki Alto is also very zippy to drive. It is fuel-efficient, like all Maruti cars, and also comes with an optional CNG model. However, it lacks a few features of comfort and convenience that are provided by its competition. Now that you know all about the Maruti Suzuki Alto, you should consider buying car insurance to not just stay financially protected, but also on the right side of the law.

 

A valid car insurance is mandatory to use a vehicle on the road in India. Check out the range of car insurance policies available on Finserv MARKETS, and have a stress-free ownership experience through paperless documentation and team of customer representatives. That’s not all, car insurance bought through Finserv MARKETS also protects your car against man-made and natural calamities.

Check Out Car Insurance Plans Available at Bajaj MARKETS

 

FAQs on Alto Car Insurance

  • ✔️What is IDV in car insurance?

    The Maruti Suzuki S Presso mileage is about 21.7 Km per Litre.

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