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Buy/Renew Maruti Suzuki Wagonr Car Insurance

Maruti Suzuki Wagonr Car Insurance

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Maruti Suzuki Wagon R is one of the most popular products from the house of Maruti Suzuki. The Wagon R has been a popular choice since it was first launched in 1999. Wagon R is an excellent first car for someone looking at the hatchback segment for its affordable price, spacious interiors, fuel-efficient engine, and pocket-friendly maintenance costs. 

Features of Maruti Suzuki Wagon R

  1. Updated tall-boy design improving road presence
  2. Safety features such as airbags, ABS, EBD, power steering, and more across all variants.
  3. Multiple engine options, including a choice of manual and automatic transmission
  4. Optional factory-fitted features to help you customise your car.   

While these are some of the feature lists for Wagon R, you, as an owner, must have car insurance at the time of its registration. It is one of the mandatory requirements laid down by The Motor Vehicles Act.


Benefits of Buying Online Car Insurance for Wagon R

You can protect yourself from potential financial losses with an insurance plan. In the event of an accident, injury or damage to third parties can create a major financial liability. In addition, you can protect yourself financially in case of damage to your car.

Let's look at the advantages of buying car insurance online compared to the traditional offline process:


1.       Compare several policies

When buying four-wheeler insurance for Wagon R, you can compare and evaluate the benefits of several plans at once when you shop online. Comparing multiple offline plans is tedious. A car insurance calculator is a handy tool to compare different policies and choose the one that best suits your needs. Additionally, car insurance calculators can be used to compare policy prices by weighing the features offered by each insurance company.


2.       No paperwork

Another advantage of online car insurance is that you don't have to fill out a lot of long forms with several entries about the policyholder and the vehicle. Vehicle registration details, chassis number, engine number, name and address of policyholder, type of plan, and some other details are asked by insurers. Alternatively, offline purchasing requires you to fill in these details in multiple places over and over again, which can be cumbersome.


3.     Convenient 

One of the most beneficial aspects of buying car insurance online is the convenience of buying and renewing your policy from anywhere and anytime. You no longer need to contact your insurance agent or branch of the insurance company; instead, you can do it your way. In addition, online shopping ensures that you receive your policy immediately after the payment is completed.


4.       Easy Verification  

Checking the reliability of an insurance company becomes easy with online purchasing. You can search for testimonials by policyholders and even read customer forum reviews of some insurance companies. Thus, it becomes easier to have a genuine discussion about the insurance company.



Types of Car Insurance policies for Wagon R

All vehicle owners should make sure they have a policy in place to ensure they are legally compliant and financially secure. Car insurance for Wagon R comes in two categories -
Third-party car insurance and comprehensive car insurance.

Third-party Car Insurance

Third party coverage covers liability payable to third parties in case of an accident or collision. It may be to damage your vehicle or property and may even include personal injury and death. Therefore, the third-party plan ensures compliance with the law for the Wagon R insurance price you pay. Even with a minimum claim, it does not cover damage to your car.

Comprehensive Car Insurance

A comprehensive policy not only covers third party liability but also covers damage to your Wagon R. Thus, the comprehensive plan overcomes the limitations of third-party car insurance to provide comprehensive insurance coverage. Damage caused by natural disasters, personal accidents, theft and fire are some examples of comprehensive policies.

In addition, comprehensive plans cover personal accidents. This allows the owner-driver to claim compensation for injuries sustained in the event of an accident. However, if you already have personal accident cover, you don't need to purchase any more with your four-wheeler insurance for the Wagon R.


Wagon R Car Insurance: Its Inclusions and Exclusions

  • Inclusions

  • Exclusions

Third party injury, death and disability

Damage to the property of third parties

Total loss of vehicle

Protection from natural and man-made disasters

Theft, fire or explosion

Personal accident cover (mandatory; but not required to purchase if already available)

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Driving without proper car insurance

Driving without a valid driver's license

Normal wear and tear of the vehicle

Electrical and mechanical damage to the vehicle

Driving under the influence of intoxicants

Damage or loss occurs outside the specified geographic area

Damage occurs when the car is not used for its intended purpose

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Add-ons available for Wagon R Car insurance

Add-ons are optional policy coverage you can purchase with your comprehensive car insurance policy. These covers are not part of the standard comprehensive car coverage, but in addition to the existing cover. Add-ons come in handy to overcome the limitation of coverage of the standard comprehensive car insurance plan. 

Here’s a list of add-ons that can be bought: 


How to Buy Wagon R Car Insurance Online?

  • Visit Bajaj Allianz General Insurance Company’s website .
  • Specify the details of your Wagon R’s model, manufacture date, and city of registration.
  • Select a suitable policy based on your requirements.
  • Based on the above selections, your quote for Wagon R insurance price is generated. 
  • If you have a comprehensive plan, you can opt for add-on covers and even increase or decrease your policy’s IDV. These factors are also included in calculating the Wagon R car insurance prices..
  • Once you make the payment based on the specifics of your plan, your policy is instantly delivered to your mailbox.

How to Renew Wagon R Car Insurance Policy Online?

  • Visit Bajaj Allianz General Insurance website and locate the ‘Renew Online’ tab.
  • Enter your existing policy details along with your car’s registration number.
  • It is essential you review the percentage of the ‘No Claim Bonus’ you are eligible for if you haven’t raised an insurance claim with your comprehensive insurance policy.
  • Once you have availed of the NCB benefits, you can review your policy coverage by adding new covers and removing unnecessary add-ons that increase the Wagon R car insurance’s price.
  • Once you have reviewed the policy coverage, verify your personal details in case of a change, to avoid filing an endorsement later.
  • Submit the above details to get a quote for the Wagon R insurance price.
  • Finally, make the payment and receive your policy instantly in your inbox. 

How to Raise a Claim for a Wagon R Car Insurance Policy?

  • First report the damage to the insurance company and file your claim.
  • After your claim is registered, the insurance company issues a unique claim registration number that you can use to track your claim.
  • Now depending on the type of policy, the process can vary. For the non-cash plan, you must bring your car to one of the network garages for repairs. However, before any repairs are made, the insurance adjuster will inspect the damage and approve the repairs.
  • There is no such requirement for the replacement plan and you can get your vehicle repaired at a nearby service garage. Network garage access is not required for maintenance.
  • For non-cash claims, the service garage will share the necessary details of the repair with your insurer, while for indemnity claims, the insurer must pay the insurance premium at the time of claim.
  • Depending on the specifics, the insurer honors the claim and you must bear the rest.

Frequently Asked Questions

How can you buy car insurance for Maruti Suzuki Wagon R?

Buying four-wheeler insurance is simple and straightforward in today’s day and age. You have two options – buying it online from the convenience of your home or opting for the traditional mode by visiting the branch office of the insurer or scheduling an appointment with your insurance agent. 

Why do I need to insure my Wagon R?

It is mandatory to insure your four-wheeler as per the regulations laid down by the Motor Vehicles Act of 1988. Not only it is a legal requirement, but also helps in providing a financial safeguard for third-party liabilities and damages to your car by way of accidents, theft, natural calamities and man-made events.

Is there a fine for not having a valid insurance plan?

The first-time offence of driving a car without insurance attracts a fine of ₹2000 and/or imprisonment of up to three months. For repeated offences, the fine increases to ₹4000 and/or imprisonment of up to three months.

 Written By : Bajaj Allianz - Updated : 22nd May 2024


I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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