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Motor Insurance
Wagonr Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Protect Your Suzuki Wagon R with the Right Insurance Plan
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.
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
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:
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.
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.
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.
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.
Features of Maruti Suzuki Wagon R
Updated tall-boy design improving road presence
Safety features such as airbags, ABS, EBD, power steering, and more across all variants.
Multiple engine options, including a choice of manual and automatic transmission
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.
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.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| Add-on: No Claim Bonus | No | No | No | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Tips for Lowering Car Insurance Premiums
To reduce your Wagon R insurance price, consider the following tips:
Compare Policies
Use online tools to compare different Wagon R insurance policies. This can help you find the best coverage at a lower price.
Opt for Higher Deductibles
Increasing your deductible can significantly lower your premium.
Install Safety Features
Installing features like anti-theft devices and airbags can lower your Wagon R car insurance price.
Bundle Insurance
If you have multiple insurance needs, consider bundling them with the same provider to get discounts.
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Car with Bajaj Allianz?
Buy Now
Motor & Health Companion
Drive Confidently with Bajaj Allianz
Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
Track, Manage & Thrive with Your All-In-One Health Companion
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Frequently Bought Together
View All
Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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0
Download the Caringly Yours app from App stores or click "Get Quote"
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1
Register or log in to your account.
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2
Enter your car details
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3
You will be redirected to the Car Insurance Page.
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4
Ensure to check your No Claim Discount
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5
Choose right Insured Declared Value (IDV) that reflects your car value
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6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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7
Select a plan from the recommended options, or customize your own plan
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8
Review the premium and other coverage details
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9
Proceed with the payment using your preferred method
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10
Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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1
Enter your current policy details
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2
Review and update coverage if required
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3
Check for renewal offers
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4
Add or remove riders
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5
Confirm details and proceed
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6
Complete renewal payment online
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7
Receive instant confirmation for your policy renewal
How to Claim
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Download our Caringly Yours App on Android or iOS
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1
Register or login to use Motor On the spot claim for a smooth process
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2
Enter your policy and accident details (location, date, time)
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3
Save and click Register to file your claim
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4
Receive an SMS with your claim registration number
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5
Fill in the digital claim form and submit NEFT details
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6
Upload photos of damaged parts as instructed
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7
Upload your RC and driving license
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8
Receive an SMS with the proposed claim amount
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9
Use the SMS link to agree/disagree with the claim amount
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10
Agree to receive the amount in your bank account
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11
Track your claim status using the Insurance Wallet App
Know More
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For any further queries, please reach out to us
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1
Phone +91 020 66026666
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Fax +91 020 66026667
Factors to Consider When Choosing Car Insurance
When selecting insurance for your Wagon R, consider these factors:
Coverage Type: Choose between third-party and comprehensive coverage based on your needs.
Add-ons: Consider add-ons like zero depreciation and engine protector cover to enhance your policy.
Claim Process: Look for insurers with a hassle-free claim process and a wide network of garages.
Premiums: Evaluate the Wagon R LXI insurance amount and ensure it fits your budget without compromising coverage.
Quick Links
Diverse more policies for different needs
Insurance Samjho
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
Global Personal Guard Policy
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 Roadside/Spot assistance
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Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
Home Insurance Cover
Smart Reads, Right Coverage
View All
Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
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.
What documents are required to renew my Maruti Wagon R car insurance?
You will need your current policy details, vehicle registration number, and personal identification documents like a PAN card and driving license.
Will the Wagon R's airbag model reduce my premium?
Yes, having airbags can reduce your premium as they enhance the vehicle's safety, leading to lower risk for the insurer.
What is Wagon R's insurance amount?
Wagon R's insurance amount varies based on the model and coverage options selected. It is essential to compare different plans to find the best deal.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
What is a Third-Party Liability Cover?
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
Differenciate Third-Party Liability and Comprehensive Motor Insurance?
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
Will my no claims bonus be transferred if I renew my motor insurance?
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
What is premium reduction process if no claim aquired previously?
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
What should be my first action to initiate a claim?
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
How do I register my claim?
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.
What is a "deductible" or "compulsory excess" in motor insurance?
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Why does my vehicle insurance premium change during renewal?
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
How 'no claim bonus' is calculated at the time of renewal?
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
What is break-in insurance? What should I do in case of break-in?
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
When is vehicle inspection mandatory in motor insurance?
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
Why juggle policies when one app can do it all?
Download Caringly your's app!
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What makes our insurance unique
With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144
