Maruti Suzuki Swift Dzire Car Insurance in India - Cost & Specifications

 Maruti Swift Dzire Car Insurance

Swift Dzire has been one of the best selling cars in India over the past decade, given its great price to performance ratio and the excellent support provided by the producer Maruti Suzuki. Originally launched in 2007, the Swift Dzire has seen many upgrades and improvements over the years. The Dzire has a decent 2 star NCAP safety rating and packs 1197 cc of engine power. It provides an impressive 24 kmpl mileage and coupled with the low Maruti Swift Dzire on road price at ₹6.85 lakh, is a great budget choice for families and individuals alike. When buying a great car like Swift Dzire, you should also protect it with the best available insurance.

Maruti Suzuki Swift Dzire Insurance Price for All Variants

In case you wish to know the Swift Dzire insurance price for all its variants, refer to the table below:

Disclaimer:

*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.

Get Swift Dzire Car Insurance Online Instantly

If you are looking to purchase a car insurance policy for your Dzire, you can get one on Finserv MARKETS instantly. Read the steps given below to know how:

• Visit the Finserv 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.

• Make the online payment to buy the plan and download a copy of your insurance.

Easy Steps to Renew Your Swift Dzire Car Insurance

In case you are looking to renew your Swift Dzire car insurance plan, you can do that hassle-free on the Finserv MARKETS website:

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

• Enter the details about your car along with the details of your existing car insurance policy.

• Select your preferred insurance plan to renew for your Swift Dzire.

• Upload the necessary documents and make the online payment.

• Once the process is completed and all the paperwork is verified, your insurance plan will be renewed.

Read More: Car Insurance Renewal

Why do you Need Insurance for Swift Dzire?

The Swift Dzire is an excellent car from a trusted manufacturer and will run smoothly for many years if you maintain it properly. One of the most important aspects of maintaining your car is to get a good insurance plan so that it remains protected against any possibility like accidents, theft, natural calamities etc. If you don’t have your car insured and it incurs damage in an accident or otherwise, you may have to pay anywhere from ₹20,000 to ₹2 lakh or more for repairs. However, a comprehensive insurance plan will keep you protected against financial expenses like these. Moreover, it is mandatory to have at least third-party insurance as per the Motor Vehicles Act, 1988.

Types of Insurance for Swift Dzire

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

Third-Party Car Insurance

The first is the third-party insurance cover, which is a basic form of insurance that only provides cover for damages and injuries to the third party involved in an accident. This cover does not provide any protection to the policyholder. As a result, third-party insurance is cheaper than comprehensive type insurance.

Comprehensive Car Insurance

The second type of plan is a comprehensive insurance plan, which provides coverage for injuries and damages caused to your own vehicle as well as provides third-party insurance cover. This type of insurance is more expensive but also provides coverage for things like car theft, roadside assistance cover, etc. and options for add-ons.

What’s Included in Your Car Insurance Plan

Third-party insurance covers the cost of damages and injuries caused to the third party involved in an accident. Comprehensive insurance also covers any injuries and repairs for your own vehicles (along with third-party cover). The insurance plan will also cover any add-ons you may have purchased such as zero depreciation cover and more.

What’s Not Included in Your Car Insurance Plan

Every insurance plan has a set of ‘exclusions’ that are not covered under the policy. When it comes to car exclusions, car insurance plans do not cover situations like normal wear and tear of parts, accidents due to drunk driving, consumables, etc.

Important Add-On Covers to Consider

Add-on covers can help you improve the protection of your car to a much higher level with the help of covers like zero depreciation cover, consumables cover, etc. Here are some important add-ons to consider for your Swift Dzire:

• Zero Depreciation Cover

A zero depreciation cover will allow you to claim an insurance amount for damages equal to the brand new price of the car, without taking depreciation into consideration.

• Personal Accident Cover

With a personal accident cover, you or anyone who is driving your insured vehicle will be eligible for coverage in case of accidental injury, disability or even death in the event of an accident.

• Return to Invoice Cover

In case your Swift Dzire is damaged beyond repair or stolen, you can get the full retail value of the car which you paid for in the form of an insurance claim with the return to invoice cover.

• Consumables Cover

Consumables refer to items like oil, coolant, etc. used in cars. However, these are not generally covered under insurance. In case you want to get coverage for these items, you can get the consumables cover.

Read more: Add-on Covers in Car Insurance

Making an Insurance Claim for Your Swift Dzire

In order to make an insurance claim for your Swift Dzire, you will need the following necessary documents:

1. Car insurance policy papers.

2. FIR of the accident/incident.

3. Detailed information about the incident along with eyewitness accounts.

4. RC papers of the vehicle.

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

There are two ways to claim your insurance policy:

Cashless Claim Settlements

Under cashless claim settlements, you will directly take your Swift Dzire to a network garage affiliated with your insurer. Once the insurer has processed your insurance info, your car will be repaired at the garage. The insurance company will directly settle the bills with the garage.

Reimbursement Claims

In case of reimbursement claims, you will need to take your Swift Dzire to a garage of your choice and get it repaired at your own expense. Once your vehicle has been repaired, you will need to submit the bills and receipts to the insurance company and you will get reimbursed for the claim amount.

Read more: Car Insurance Claim Process

Useful Tips to Reduce Swift Dzire Insurance Premiums

If you want to save money while buying insurance for your Swift Dzire, keep the following points in mind:

• Compare Insurance Plans Online

When looking to buy insurance for your Swift Dzire, you should look into all the plans available online. By comparing the plans online, you can find out which one fits your budget.

• Use the NCB

In case you have not made any insurance claims during your policy term, you can take advantage of the No Claim Bonus in car insurance. NCB can help you get lower premiums while renewing your insurance plans.

• Install Anti-theft Device

By installing an ARAI approved anti-theft device in your Swift Dzire, you can get a small discount on your insurance premiums.

• Avoid Making Small Claims

If your Swift Dzire has minor damage like scratches or small dents, you should get it repaired out of your own pocket. If you make too many insurance claims, your premiums may be raised during the next policy renewal term.

Maintaining Your Swift Dzire: Points to Remember

Maintaining your car will ensure that it runs smoothly for many years and you do not have to spend too much on repairs or insurance. Keep the following tips in mind:

• Regularly Service your Car

If you want to maintain the health of your Swift Dzire in the long term, it is a good idea to get it serviced at least twice a year. Regular servicing will keep your car in top condition and any technical faults will be discovered early.

• Maintain the Engine

The engine is the most important part of your car, so you must drive smoothly without putting any extra pressure on the engine by driving erratically. A healthy engine will increase the longevity of your car.

• Refill the Consumables Regularly

Consumables like engine oil, brake oil or coolant, etc must be refilled at stipulated intervals for the smooth functioning of your car.

• Do Not Overload

Overloading your car can result in accidents due to weight imbalance. It can also damage the engine and internals of your car due to the extra pressure, so avoid overloading at any cost.

Know Swift Dzire Service Cost

The Swift Dzire has a maintenance cost of around ₹17,800 for a period of 5 years. When you buy a new Swift Dzire, you may be offered the first few services for free. However, once the free services expire, you will have to pay for it out of your pocket. Here is a breakup of the Swift Dzire maintenance cost:

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

About Maruti Swift Dzire

The Dzire is a mid-range sedan from the Indian manufacturer Maruti Suzuki Limited. The company launched the facelifted Dzire in March 2020. The facelift featured Maruti’s BS6-compliant 1.2-litre Dualjet petrol engine along with some cosmetic upgrades, while the diesel engine was discontinued. The all-New Maruti DZire is more fuel-efficient than the preceding model due to the use of 'HEARTEC' platform as it makes the sedan lighter by 70-80 kgs than before. The petrol motor delivers a mileage of 22 kmpl with both manual and AMT variants. Let’s take a look at the Swift Dzire specifications, features and on-road price in different locations:

Swift Dzire Specifications

For a budget car, the Swift Dzire has impressive specifications like an 1197 cc engine and automatic transmission. Let’s take a look at the Swift Dzire specifications: 

 Features of Swift Dzire

The Swift Dzire comes packed with useful features like ABS, climate control and more that you should know about: 

 Swift Dzire On Road Price in Different Cities

In case you want to know the Swift Dzire cost in different cities, refer to the table below:

 Final Takeaway

Swift Dzire is a great car that is reputed for its reliability and comfort. However, it is your responsibility to protect your car with a good insurance plan. Comprehensive car insurance is a much needed protective cover that will keep you financially protected in the event of accidents, theft, natural calamities, etc. If you are looking to purchase insurance for your Swift Dzire, you should consider the car insurance plans available at Finserv MARKETS. If you want to know more about insurance plans’ pricing and options, you should also check out the Car Insurance Premium Calculator. 

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