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About Maruti Suzuki Swift Car Insurance

The Maruti Suzuki Swift was originally launched in India in the year 2005. Since then, it has remained one of the top models in the budget hatchback section of cars. The Swift has a decently powered 1197 cc engine but an abysmal 0 star Latin NCAP safety rating. The latest Maruti Suzuki Swift on road price is ₹6.45 lakh, which goes up to ₹9.71 lakh for the top-end model. However, to keep your car covered against damages and unexpected accidents, it is vitally important to buy a car insurance policy. The Maruti Suzuki Swift car insurance price ranges from ₹X to ₹X per year.

Check Insurance Premiums for Maruti Suzuki Swift

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

Maruti Suzuki Swift Variants

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium**

Swift LXI

₹5.73 Lakh

Petrol

₹3383

Swift VXI

₹6.19 Lakh

Petrol

₹3383

Swift VXI AMT

₹6.86 Lakh

Petrol

₹3383

Swift ZXI

₹6.78 Lakh

Petrol

₹3383

Swift ZXI AMT

₹5.73 Lakh

Petrol

₹3383

Swift ZXI Plus

₹8.02 Lakh

Petrol

₹3383

Swift ZXI Plus DT

₹7.91 Lakh

Petrol

₹3383

Swift ZXI Plus AMT

₹8.27 Lakh

Petrol

₹3383

Swift ZXI Plus AMT DT

₹8.41 Lakh

Petrol

₹3383

 

*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.

Easy Steps to Buy Maruti Suzuki Swift Insurance Online

In case you are looking for a car insurance plan for your Maruti Suzuki Swift, here are the steps you can follow to buy one on Finserv MARKETS:

 

Step 1: Visit the ‘Car Insurance’ section on the Finserv MARKETS website.

 

Step 2: Input details about your car and registration.

 

Step 3: Use a car insurance calculator to find the right plan for your needs.

 

Step 4: Upload all the necessary documents.

 

Step 5: Make the online payment and your insurance plan will be activated soon.

 

Step 6: Don’t forget to download the insurance policy document.

Know How to Renew Maruti Suzuki Swift Insurance Online

Step 1: Visit the ‘Car Insurance’ section on the Finserv MARKETS website.

 

Step 2: Enter your vehicle and registration details, as well as details of your existing or expired insurance plan.

 

Step 3: The options to renew your car insurance will appear on the screen, as well as the prices of the plans. Choose your preferred plan.

 

Step 4: Make the online payment and your car insurance policy for Maruti Suzuki Swift will be renewed.

 

Step 5: Make sure you download the insurance policy document.

 

Read More: Car Insurance Renewal

Why You Need Insurance For Your Maruti Suzuki Swift

No matter how good a driver you may be or how well you maintain your car, there will always be risks. Dangers such as accidents, injury, theft, natural calamities, malicious acts, vandalism, etc. will always be beyond your control. Repairing your Suzuki Swift in case of a serious accident can cost you anywhere from 1 lakh to 3 lakh or more, but you can get your car insured at a fraction of this cost. A comprehensive car insurance policy will provide coverage to your car against all such risks by compensating for the damages caused to your vehicle. Besides, having third-party car insurance is mandatory in India under the Motor Vehicles Act, 1988.

Types of Maruti Suzuki Car Insurance You Can Choose From

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

 

Third Party Car Insurance

 

A third party insurance cover is a basic form of car insurance that protects you from third-party liability and provides financial cover to the third party involved in an accident for damages and medical expenses. This type of car insurance is generally cheaper than comprehensive car insurance.

 

Comprehensive Car Insurance

 

Comprehensive insurance is a more rounded policy that provides protection to your vehicle and you, as well as third party insurance cover. You can also enhance your policy by adding extra covers like zero depreciation or theft cover. While it’s more expensive than third-party insurance, it saves you the cost of repair and maintenance in the long run.

What’s Included in Your Car Insurance Plan

As mentioned above, third-party insurance only covers the cost of injuries and damages to the third party involved in an accident. It does not provide any coverage to the policyholder. On the other hand, a comprehensive insurance plan includes coverage for the policyholder and their vehicle as well as provides a third-party liability cover.

What’s Not Included in Your Car Insurance Plan

Most insurance plans have a certain set of exclusions that are not covered by the insurance policy. Car insurance exclusions include situations like normal wear and tear of car parts, accidents due to drunk driving, coverage for replacement of consumables, providing inaccurate information to the insurance company, etc.

Add-On Covers for Your Maruti Suzuki Swift

Here are some important add-on covers you can consider buying for some added protection:

 

  • Zero Depreciation Cover\

     

    A zero depreciation cover allows the policyholder to claim an insurance amount for damages which is equal to the brand new price of the car, without taking depreciation into consideration.

  • Consumables Expenses

     

    Generally, the replacement of consumables such as oil, coolant, etc. is not covered by a regular insurance plan. This cover allows for claiming expenses related to consumables as well.

  • NCB Protection Cover

     

    No Claim Bonus is a special discount provided to policyholders that do not make any insurance claims for the duration of a policy year. Buying an NCB protection cover ensures that even if you make up to two claims in a year, your NCB in car insurance remains intact.

  • Personal Accident Cover

     

    Any accidental injury, disability or even death of the policyholder or driver will be covered under the personal accident cover.

  • Return to Invoice Cover

     

    In case your car is damaged beyond repair or stolen, the full market price of the car that you paid at the time of purchase will be refunded as the insurance claim.

 

Read more: Add-on Covers in Car Insurance

Making an Insurance Claim for your Maruti Suzuki Swift

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

 

  1. 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).

There are two types of insurance claim options available to you:

Cashless Claim Settlement

Under cashless claim settlement, you can directly take your car to a network garage where it will be repaired. The benefit of using a cashless claim is that you won’t have to pay anything. The network garage will directly settle the cost of repairs with your car insurance provider.

 

Reimbursement Claim Settlement

Under the reimbursement claim settlement, you will have to pay for car repairs out of your own pocket initially. You will need to keep all repair related receipts intact and submit them to the insurance company to get the bill amount reimbursed.

 

Read more: Car Insurance Claim Process

Maruti Suzuki Swift Insurance Price: Tips to Reduce Premiums

Here are some things you can do to reduce the insurance premium price for your Maruti Suzuki Swift:

 

  • Avoid claiming insurance for small repairs

     

    Try to get the small repairs for your cat done out of pocket. If you make multiple insurance claims during a single year, your insurance premiums may go up.

  • Use the NCB

     

    The No Claim Bonus is a benefit provided to policyholders who do not make any insurance claims during policy terms. Use this benefit to get reduced insurance premiums during renewal.

  • Compare Plans Online

     

    When looking for Maruti Suzuki Swift insurance, you should compare all the car insurance plans available online so that you have the best-suited plan.

  • Install Anti-Theft Devices

     

    If you have ARAI-approved anti-theft devices installed on your Maruti Suzuki Swift, you may be eligible for a slight reduction in insurance premium price.

  • Choose Add-ons Carefully

     

    You may be tempted to buy many add-on covers but doing so can quickly increase the cost of your insurance premiums. Only choose the add-ons you may really need and avoid getting the rest to keep your premium prices down.

Maintaining Your Maruti Suzuki Swift: Important Tips

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

 

  • Maintain Tyre Pressure

     

    Make sure your Swift’s tyre pressure is always at accurate levels. Accurate tyre pressure will ensure that no extra stress will be 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 and any mechanical faults do not go unnoticed for long periods of time.

  • Maintain the Engine

     

    The engine is the most important component of your car, so make sure you do not put any undue pressure on it by driving rashly or abusing your car for stunts.

  • 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. Moreover, overloading can imbalance the car, possibly resulting in accidents.

Know the Maruti Swift Service Cost

As per reputable automobile websites, the maintenance cost for Maruti Suzuki Swift is around ₹23,500 for the first 5 years. When you buy a new Maruti Suzuki Swift, 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 Suzuki Swift maintenance cost:

Service 

Distance/Time 

Free/Paid 

Maruti Suzuki Swift Maintenance Cost (approximate)

1st Service

5000 kms/6 months 

Free 

₹1,500 

2nd Service

10000 kms/12 months

Free 

₹2,800 

3rd Service

20000 kms/26 months 

Paid

₹5,100

4th Service

30000 kms/36 months 

Paid

₹4,700

5th Service

40000 kms/48 months 

Paid

₹5,500

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

About Maruti Suzuki Swift

Since its launch in 2005, the Maruti Suzuki Swift has been ruling the Indian automobile market. Engineered for high performance and comfort, the sporty and sturdy Swift is widely covered by driving enthusiasts, youngsters and families alike. With a starting price of ₹6.45 lakh, the Maruti Suzuki Swift is an ideal car for families and individuals. The car is also highly economical, providing a mileage of around 22-24 kmpl. Let’s take a look at the Maruti Suzuki Swift specifications and on-road price:

Maruti Suzuki Swift Specifications

Here are some important Suzuki Swift specifications:

ARAI Mileage

23 kmpl 

Engine Displacement (cc)

1197 cc

Max Power

88.50bhp@6000 rpm 

Seating Capacity

5

Body Type

Hatchback

Fuel Type

Petrol, Diesel

Max Torque

113nm@4400 rpm 

Transmission Type

Automatic and Manual

Maruti Suzuki Swift Features

Here are some of the main Maruti Suzuki Swift features: 

Power Steering

Air Conditioner

ABS System

Airbags

Climate Control

Front Fog Lights

Alloy Wheels

Maruti Suzuki On Road Price in Different Cities

Let’s take a look at Maruti Suzuki Swift on-road price (base model) in different cities:

On-road price in Delhi

₹6.51 lakh

On-road price in Mumbai

₹6.84 lakh

On-road price in Bangalore

₹7.06 lakh

On-road price in Chennai

₹6.74 lakh

On-road price in Pune

₹6.83 lakh

On-road price in Kolkata

₹6.74 lakh

Conclusion

Maruti Suzuki Swift is a super-efficient car that is the perfect choice for millions of Indian individuals and families. However, repairing cars and their maintenance can cost a lot of money in case you do not have your vehicle insured. An insurance plan can not only keep your car covered against damage but you can also drive on the roads without any stress of financial loss. If you are looking to buy Maruti Suzuki Swift insurance, you should look into the car insurance plans available at Finserv MARKETS. If you want added protection, you can also consider getting add-on covers on top of your plan.

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs on Maruti Suzuki Swift

  • ✔️What is the Maruti Suzuki Swift insurance price?

    You can take a look at the Swift insurance price on the Car Insurance Premium Calculator.

  • ✔️How is the Maruti Swift insurance price calculated?

    The Maruti Suzuki swift insurance premiums in India are calculated on the basis of various factors such as the price of the variant, type of insurance plan, add-on covers, etc. 

  • ✔️What is the insurance renewal price of a Swift car?

    There are many different Swift car insurance renewals you can choose from, all of which will have differing prices. 

  • ✔️What is the mileage of the Maruti Suzuki Swift?

    As per ARAI, Swift has a mileage of around 23 kmpl. 

  • ✔️What is the on-road price of the Maruti Suzuki Swift?

    The on-road price of the Maruti Suzuki Swift is ₹6.51 lakh.

  • ✔️How much does the Maruti Suzuki Swift service cost?

    The Maruti Suzuki maintenance cost for 5 years is approximately ₹23,500.

  • ✔️What is the Maruti Suzuki Swift fuel tank capacity?

    Maruti Suzuki Swift has a fuel capacity of 37 litres.

  • ✔️What is the IDV of Maruti Suzuki Swift?

    The IDV or Insured Declared Value of Maruti Suzuki Swift refers to the value of the car declared to the insurer. The value of your insurance claims depends on the IDV declared. 

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