Maruti Suzuki Ertiga Car Insurance

Maruti Ertiga has been one of the best-selling MUVs (Multi Utility Vehicles) ever since it was launched. With an engine capacity of 1462 cc and mileage of up to 18 kmpl, Maruti Suzuki Ertiga is considered to be a value purchase. The Ertiga on-road price for the base model starts at ₹9.24 lakhs and goes up to ₹12.78 lakhs. The MUV also has an impressive 3-star safety rating, making it one of the safest cars in India. However, accidents can happen to anyone and without a good insurance plan, it can put a serious dent in your finances. Hence, it’s important to secure your car with a good car insurance policy.

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Check Insurance Premiums for Maruti Ertiga Variants

Let’s take a look at the various Maruti Ertiga variants and the insurance premiums you will have to pay for each of them:

Maruti Ertiga Variants

Ex-showroom price*

Fuel Type

Estimated Third-party Premium**

Ertiga LXI

₹8.12 Lakh*


₹ 3383

Ertiga VXI

₹8.92 Lakh*


₹ 3383

Ertiga ZXI

₹9.65 Lakh*


₹ 3383

Ertiga VXI AT

₹10.12 Lakh*


₹ 3383

Ertiga ZXI Plus

₹10.14 Lakh*


₹ 3383

Ertiga ZXI AT

₹10.85 Lakh*


₹ 3383

Ertiga CNG VXI

₹9.87 Lakh*


₹ 3383

*The ex-showroom prices are for Delhi and are subject to change on the basis of 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 Ertiga?

Buying a new insurance policy online for your Maruti Ertiga on Finserv MARKETS is fairly straightforward. Follow the instructions to get your Maruti insurance with these easy steps:


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

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

  • Verify the details entered.

  • Choose the insurance plan of your liking.

  • Proceed to buy your plan by finishing the online payment.

  • Don’t forget to download a copy of your insurance.

Instantly Renew Your Maruti Ertiga Insurance

Apart from buying insurance on Finserv MARKETS, you also have the option to instantly renew your Maruti Ertiga car insurance:


  • Visit Finserv MARKETS online.

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

  • Check your Maruti Ertiga car insurance renewal premium.

  • Make the payment online.

  • Download the policy copy.

You can also avail the No Claim Bonus (NCB) discount at the time of Maruti Ertiga insurance renewal.

Read More: Car Insurance Renewal

Why do you Need Insurance for Your Maruti Ertiga?

Maruti Ertiga is an expensive car with a starting price of ₹9.24 lakhs and up. Consequently, any damages to the car are also expensive to repair. Although the Ertiga comes with a great safety rating, road accidents can happen to anyone, even if they are being extra careful. In case of serious damage to the car, you may have to end up paying anywhere from ₹1 to ₹4 lakhs or more just for the repairs. In these situations, a car insurance plan can be vitally beneficial in keeping you protected against financial losses. 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 Cover for Your Maruti Ertiga

Below are the types of insurance cover that you can choose from for your Maruti Ertiga:


Third-Party Insurance

This is the type of cover that will protect you against the financial losses incurred by the third party for damages done due to your vehicle during an accident. This insurance does not provide any coverage to the policyholder.

Comprehensive Insurance

A comprehensive insurance cover not only covers for own damages during an accident but also any third party liabilities. Comprehensive insurance plans also provide coverage for natural disasters, theft, accidental damage and more.

What’s Covered Under Your Car Insurance Plan?

Third-party car insurance covers loss incurred by the third-party, bodily injuries, death of the victim, etc. Moreover, comprehensive car insurance also covers own damage, theft, natural and man-made calamities, fire, etc.

What’s Not Covered Under Your Car Insurance Plan?

The exclusions under car insurance are situations like natural wear and tear of the car, mechanical or electrical breakdown, providing incorrect information to the insurer, etc.

Secure Your Car with These Add-on Covers

These add-on covers given below can be very helpful in providing added insurance coverage that goes beyond what a normal insurance plan provides:


  • Passenger Cover

Passenger Cover provides a cover for passengers that are unnamed in case of an accident.

  • No Claim Bonus Cover

NO Claim Bonus cover provides for up to two insurance claims without your NCB being broken in a given term.

  • Loss of Keys

If you misplace your car keys, Loss of Keys Cover will ensure you get a replacement free of cost.

  • Return to Invoice cover

As part of Return to Invoice Cover, your coverage amounts to the price on the purchase invoice of your Ertiga car, and not the depreciated price in case of total damage or theft of the car.

  • Roadside Assistance cover

If you require assistance such as fuel arrangement or a towing service, a Roadside Assistance cover accounts for those requirements.

Making an Insurance Claim for Your Maruti Ertiga

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 to choose from:

Cashless Claims

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

Reimbursement Claims

Under reimbursement claims, you have to get your car repaired at your preferred 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.

Read more: Add-on Covers in Car Insurance

Valuable Tips to Reduce Car Insurance Premiums

Here are some useful tips you can use to lower the price of your Maruti Ertiga 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 so you don’t break NCB.

  • Compare Plans Online

At the time of buying a new car insurance plan, compare all the plans offered by different companies online. It can help you pick out the cheapest plan that provides all the necessary coverage.

  • 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. Buying too many add-ons can quickly raise the cost of premiums.

  • Claim the NCB

If you have gone a full policy year without making an insurance claim, you can take advantage of the No Claim Bonus or NCB to get lower premiums when renewing your Ertiga insurance plan.

  • Install Anti-Theft Devices

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

Maintaining Your Ertiga: Important Tips

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


  • Maintain Tyre Pressure

Make sure your Ertiga’s tyre pressure is always at the right levels. Accurate tyre pressure will ensure that no extra stress is put on the car’s internals.

  • Regularly Service Your Car

You should 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 and they can be fixed.

  • Maintain the Engine

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

  • Do Not Overload

Overloading your car with extra passengers or luggage can result in more stress on your Ertiga’s internals leading to faster wear and tear and even accidents due to loss of balance.

Maruti Ertiga Service Cost

As per reputable automobile websites, the maintenance cost for Maruti Ertiga is around ₹19,700 for 5 years. When you buy a new Maruti Ertiga, the first few services may be offered for free by the manufacturer or the car dealership, but you will have to pay for the rest once the free period expires. Let’s take a look at the Maruti Ertiga service schedule:



Distance (kms)/Time (months)


Maruti Ertiga Maintenance Cost (approximate)

1st Service




2nd Service




3rd Service




4th Service




5th Service




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

About Maruti Ertiga

Maruti Suzuki Ertiga is a seven-seater Ertiga MPV model and is offered in as many as seven variants and many different colours. The new generation Ertiga car comes with a K15 petrol engine along with progressive smart hybrid technology, available in both manual and automatic transmission, and also S-CNG technology. Maruti Ertiga’s petrol engine generates a power of 103.26 bhp/@6000 rpm while the CNG engine generates a power of 91.19 bhp/@6000 rpm. The 7 seater MUV serves as the perfect family car. Let’s take a look at Maruti Suzuki Ertiga specifications, features and on road price in different cities:


Maruti Ertiga Specifications

If you want to know the technicals of Maruti Ertiga like its mileage or engine capacity, check out this table below:

Maruti Suzuki Ertiga (2-Gen) Key Specifications


17.9-26.2 Kmpl


1462 cc K15 Smart Hybrid (Petrol; Petrol + CNG)


Manual and Automatic

Fuel Type

Petrol and CNG

Fuel Tank Capacity

45 L

Seating Capacity


Boot Space

300 mm

Body Type


Maruti Ertiga Features

Maruti Ertiga comes packed with advanced features like 3D LED tail lamps, a smart entertainment system and more. Here is a list of important Maruti Suzuki Ertiga features you should know about:

Halogen Projector Headlamps

3D LED Tail Lamps

Dual Tone Interiors

Power Windows



Central Locking

Maruti Ertiga On-Road Price in Different Cities

The on-road price of cars will vary depending on location. So, let’s take a look at Maruti Suzuki Ertiga on- road price for the base model in different cities:


₹9.24 lakh


₹9.80 lakh


₹9.10 lakh


₹9.14 lakh


₹8.75 lakh

Last Word

Buying an expensive car like Ertiga involves some detailed market research and a substantial effort in terms of time and money. Preserving this precious asset for several years requires a robust and effective insurance plan to cover the expenses in the event of a mishap. On Finserv MARKETS, you could choose from some of the best car insurance plans that ensure financial protection during any damage caused to your car. The comprehensive car insurance policy available on Finserv MARKETS not only covers the damages that occurred to your car during an accident but also covers the damages caused to the third party in the process. Moreover, you can enhance your financial protection by choosing from a variety of add-on covers.

Check Out Car Insurance Plans Available at Bajaj MARKETS


FAQs on Maruti Ertiga Car Insurance

  • ✔️Can I issue a car insurance plan for less than a year?

    No. Maruti car insurance at Finserv MARKETS is provided for one full year.

  • ✔️Is Maruti car insurance transferable?

    You can transfer your Maruti Ertiga car insurance from your existing car to a new Maruti car. You just have to apply to your insurer in writing. The insurer will help with the details you need to provide (if any).

  • ✔️Will the Maruti car insurance cover me if my car is stolen?

    An insurance plan will compensate you for the loss incurred if your Maruti car is stolen. You will be required to first lodge an FIR at the nearest police station and submit the claim. After verification, the insurer will pay the settlement.

  • ✔️Does Maruti Ertiga car insurance provide a cashless claim settlement?

    You can avail cashless claim settlements at any of the listed network garages. You will be provided with a list of network garages when buying you to purchase the policy.

  • ✔️Can I renew my Maruti Ertiga Car Insurance through Finserv MARKETS?

    Yes, you can get your car insurance renewed through Finserv MARKETS.

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