Wagon R Car Insurance Online

Benefits of Purchasing Online Car Insurance for Wagon R

Purchasing Wagon R insurance online has numerous advantages, which make it a smart alternative to buying offline.

1. Just a Few Clicks:

   Compare Wagon R insurance costs and buy the plan of choice in just a few clicks.

2. No Paperwork:

   The Maruti new Wagon R insurance process is 100% digital – no physical documents and no endless lines.

3. Instant Policy:

   The car insurance policy is emailed immediately upon completion of payment.

4. Low-Cost Premiums:

   When buying Wagon R insurance online, there are lower costs because there are no agent commissions involved.

Simple Renewals and Claims: Complete the Maruti Wagon R insurance renewal online in no time, making the process efficient and easy.

Types of Car Insurance Plans for Wagon R

Opt for the following types of car insurance policies while purchasing insurance:

• Third-Party Insurance: This form of coverage is a statutory requirement under the Motor Vehicles Act, 1988. It includes injury, death or property damage to a third party caused by the car. The Wagon R third-party insurance price normally falls between ₹2,000 and ₹3,500 on an annual basis, based on the engine capacity and city.

• Comprehensive Policy: A comprehensive policy covers multiple risks, including third-party liabilities as well as own damages to the owned car. It shields owned cars from crashes, theft, fire, and vandalism, as well as natural disasters. Wagon R's first-party insurance price is more than third-party insurance but gives better overall security.

Opt for a standalone damage policy if the owner already owns an active third-party insurance policy.

What’s Covered in Wagon R Insurance (Inclusions)

1. Damage by Accident:

   Cost of repairing or replacing parts following an accident.

2. Burglary:

   Up to the IDV of the owned car in case of theft.

3. Fire and Explosion:

   Loss or damage resulting from sudden fire or explosion.

4. Acts of God:

   Loss by flood, cyclone, earthquake or landslide.

5. Artificial Events:

   Destruction by riots, strikes or graffiti.

6. Liabilities to Third Parties:

   Providing coverage for injury or damage to someone else's property.

7. Personal Accident Cover :

   Up to ₹15 lakh is covered for the owner-driver in case of injury or accidental death.

What is not included in Wagon R Insurance (Exclusions)

While providing extensive coverage, Wagon R car insurance excludes:

When the insurance plans cover almost everything, there are a few things that car insurance excludes:

• Natural wear and tear, as well as deterioration of vehicles or parts.
• Any loss incurred from operating any type of vehicle on the road without a valid license is also excluded.
• DUI (Driving under the influence) or DWI (Driving while intoxicated) filings.
• Electrical or mechanical malfunctions.
• Racing or testing causes damage.
• Using the car outside India.
• Consequential losses after an accident.

These exclusions should be known to avoid surprises at claim settlement.

Add-ons for Wagon R Insurance

If considering increasing the insurance coverage, go for beneficial add-ons like:

• Zero Depreciation Cover :

  The full amount is paid without any deduction for depreciation on parts replaced during repair.

• Engine Protection Cover :

  Perfect for those residing in flood-prone or water-clogged areas.

• Roadside Assistance Cover:

  24/7 support in the event of a breakdown or emergency.

• Return to Invoice Cover :

  Recover the invoice value in case of Theft or Total Loss.

• Consumables Cover :

  Remuneration for some small items, like oil, nuts, bolts, and brake fluid.

• Key Replacement Cover:

  The insurer offers payback for lost car keys.

While add-ons do increase the Wagon R insurance price a bit, they give enhanced financial protection.

How to buy Wagon R car insurance online?

Purchasing car insurance online is fast and simple. Here’s how to do it.

• Visit Insurer Website:

  Download the SBIG app or visit the website to log in to the account.

• Enter Vehicle Information:

  Provide the car registration number, model, and year of manufacture.

• Compare Plans:

  Review the Wagon R insurance price based on plans.

• Choose Add-ons:

  Pick from the list based on driving conditions, such as roadside assistance, zero depreciation, or engine protection.

• Pay:

  The premium will be paid online.

• Download Policy:

  After purchasing Wagon R insurance, download the policy document instantly by entering a unique code/additional reference number and receive the vehicle insurance policy in just one click.

Also, get an estimated new Wagon R car insurance price or renewal cost with premium calculators available online.

Claim Procedure

Here is how to claim under a Wagon R car insurance policy.

• Informing the insurer:

  Get in touch with the insurer about the accident or damage suffered.

• Lodge an FIR (if required):

  In case of theft or extreme damage, it is mandatory to lodge an FIR.

• To Send Documents:

  Keep ready the RC, license, policy and claim form.

• Survey and Inspection:

  The Insurer will survey the loss.

• Repair and Settlement:

  Avail cashless repair service at the network garage or receive reimbursement after repairs.

The key tip is to retain all the original receipts as well as photos for a hassle-free or faster claim.

Wagon R: Key Features

In the Indian market, the Maruti Suzuki Wagon R is among the best-selling and most reliable cars, known for its low maintenance and strong market reputation.

• Engine:

  It has 1.0L and 1.2L petrol engines, and it is also offered in a CNG version.

• Mileage:

  It drives around 23–34 km/kg (CNG) and 22 km/l (petrol).

• Transmission:

  It has 5-speed manual gears as well as AMT choices.

• Safety:

  Wagon R also has Twin airbags, ABS with EBD, and reverse parking sensors.

• Variants:

  LXI, VXI, ZXI and ZXI+.

• Price Range:

  ₹6–₹8 lakh (ex-showroom).

Due to it being the highest-selling car, the Maruti Wagon R insurance price is very competitive in India.