Car Insurance for Maruti Suzuki Ciaz

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Maruti Suzuki Ciaz Car Insurance Online

Q: What is the recommended car insurance plan for Maruti Ciaz?

It is recommended to buy a comprehensive insurance plan from HDFC ERGO, since you get a wide variety of coverage and benefits under a single policy. Topping it up with relevant add-ons will be an even more financially prudent decision.

The Ciaz, in particular, is one of the best selling sedans from Maruti Suzuki and has been a big hit with the people ever since its launch in 2014. Since then, it has undergone 2 makeovers to update the looks and performance. While the Ciaz comes in 4 models which are described below, the engine is common. Maruti uses a 1.5 ltr petrol engine with a Smart Hybrid technology inbuilt. This engine can generate power and torque of 103 bhp at 6000 rpm and an impressive 138 Nm at 44 rpm.

Variants of Maruti Suzuki Ciaz

While there are 4 models of the Maruti Suzuki CIAZ, each comes with the option of 5 speed manual transmission or 4 speed automatic one. Thereby taking the total variant count to 8. There is no diesel version available for the new Ciaz. Its ex-showroom price (Delhi) ranges between Rs. 8.7 L to Rs. 11.7 L across the different variants.

Maruti Suzuki Ciaz Sigma

Sigma is the base model of the Ciaz sedan. The Delhi ex-showroom price for this model is around Rs. 8.72 L and is available in 7 exciting colours to choose from. One can count on Maruti cars for their fuel efficiency and the Ciaz doesn’t disappoint either. It has a certified mileage of 20.65 kmpl. Even the base model comes packed with a variety of safety features and extra comfortable interiors. As one would expect, these features keep getting enhanced as we go further up the list of variants.

Maruti Suzuki Ciaz Delta

Next in line is the Delta Ciaz which is also available in both MT and AT options. This variant is approx Rs. 60,ooo-70,000 higher than the Sigma version. The key improvements over the basic model include, cruise control driving mode, height-adjustable driver’s seat, and in the automatic version, ESP technology (electronic stability program). The combination of more advanced features and a fairly aggressive market pricing is what makes the Maruti Suzuki Ciaz Delta the best selling variant of this sedan.

Maruti Suzuki Ciaz Zeta

Starting at Rs. 9.57 L for manual transmission, Zeta offers several features and benefits. The exteriors are further enhanced using sleek automatic LED headlamps which also provide better illumination. These include LED fog lamps, LED daytime running lamps, and LED tail lamps as well. From a comfort perspective, the Zeta variant comes with keyless entry and push button engine on-off mechanism. The rear headrests are adjustable and the outside rearview mirrors are electronically foldable.

Maruti Suzuki Ciaz Alpha

Alpha, as the name would suggest, is the top of the line model of Maruti Ciaz. It is priced at Rs. 10.5 L for the manual version and Rs. 11.7 L for the model with automatic transmission. Most experts call the Ciaz Alpha as one of the most affordable fully loaded sedans in its segment. It comes with a 7-in touchscreen, voice enabled infotainment system that supports both Android Auto and Apple CarPlay. The interiors are fitted with leather upholstery including the steering wheel. Even the tyres are slightly bigger with dual-tone alloys, giving the Ciaz Alpha a more muscular and expansive look.

Types of Maruti Suzuki Ciaz Car Insurance HDFC ERGO Offers

Single Year Comprehensive insurance>

If you are looking for a holistic solution for your car, this is the best choice. You will get everything with a single Maruti Suzuki Ciaz car insurance policy, whether you need to meet the legal requirement or want to protect your own car. With this car insurance policy, you will get the following risks covered:

Suitable for car lovers seeking all-rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

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Third-party liability insurance >

For people who are looking to get the cheapest insurance policy and mostly care about being on the right side of the law, third party car insurance is the best choice possible. In this policy, you will get covers for:

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

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Stand alone own damage cover >

For people who still have third-party cover for the new Maruti Suzuki Ciaz car insurance and only need to protect the car itself, standalone own damage cover is available from HDFC ERGO. This will provide you cover for:

Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

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Multi-year comprehensive insurance >

This is the same single year comprehensive policy but can be purchased for multiple years in one go. With this policy option, you get all the protection mentioned in the single year policy, but the validity of this policy can be as long as three years. The key reason to choose this policy is to get an affordable deal on car insurance, enjoy the convenience of long-term cover and not having to bother with annual renewals etc. It is the most popular policy offering from HDFC ERGO for car insurance.

Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

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Inclusions & Exclusions of Maruti Suzuki Ciaz Car Insurance

What is covered?
What is not covered?

A comprehensive Maruti Suzuki Ciaz car insurance policy from HDFC ERGO is the best deal you can get for your vehicle. When you buy this policy, you can rest assured that your car will get total protection against every unforeseeable risk. The policy will cover you in the following ways:

Accident coverage

If your car is involved in any accident, the Maruti Suzuki Ciaz car Insurance policy will cover the cost of repair as per applicable terms and conditions. If you choose a network garage, you can get the repairs done in a cashless manner.

Natural calamities

If your car gets damaged by any natural calamity including but not limited to floods, earthquakes etc., the car insurance policy will cover the repair costs for the same.

manmade calamities

If your car gets damaged by any manmade calamity including but not limited to vandalism or attempted theft etc., this policy will cover the repair costs for the same.

Theft

If car thieves end up stealing your Swift, the insurance company will give you adequate compensation as per applicable terms after a process of due diligence.

Personal accident

This is a cover mandated by the IRDAI for the owner-driver of the vehicle and is meant to cover hospital bills if the vehicle is involved in an accident. The cover amount is INR 15 lakhs.

Third-party liability

The legally mandated third-party cover comes with full legal protection that is mentioned in the law. In case any damage is caused to the person or property of a third party, this policy will offer you adequate liability cover.

A car insurance policy comes with its own set of terms and conditions and must operate based on certain exclusions and limitations. Following are a few things that your policy will not be able to cover. However, certain add-ons might help you overcome some exclusions:

Depreciation

The decline in the value of your car as it grows older and you use it regularly, is considered as depreciation. It is not included in the car insurance. You can buy a zero depreciation add-on to cover for this exclusion though.

Non-compliance with the law

If your vehicle gets damaged in the course of any illegal activity, it will not get insurance protection. Here, illegal activity will include but may not be limited to driving without documentation, drunk driving, commercial usage of private vehicle etc.

Electrical breakdown

If a mechanical or electrical failure occurs in the due course of a vehicle's usage over its lifetime, the same cannot be covered by your policy as it is not caused by accidental or other external damage.

How to Renew Maruti Suzuki Ciaz Car Insurance?

Your car insurance needs to be renewed on time and on a regular basis. In order to ensure easy renewals, HDFC ERGO has taken the process online. You just need to follow a few steps, shown here.

Step #1
Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2
Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3
Provide your email ID and phone number, to receive the quote
Step #4
Make the payment online, and voila! You’re secured.

Why Buy Maruti Suzuki Ciaz Car Insurance from HDFC ERGO?

There are a number of companies that offer insurance policies for Maruti Suzuki Ciaz, but most people prefer to go with HDFC ERGO. There are multiple reasons behind this immense popularity:

Affordable premium

With HDFC ERGO, you will always get the best deals on car insurance policy premium. As much as 70% discounts can be on offer when you purchase a policy from us. From NCB to ARAI anti-theft discounts, we honour every effort of safe driving made by our customers.

Cashless facility

HDFC ERGO has the largest network with more than 6700 cashless garages, which means that you are never too far from the best places to get your car fixed. Take your car to a garage in our cashless network and file a claim. Once your car is fixed, simply pay your share and drive off. The rest of the payment will be handled between HDFC ERGO and the garage directly.

Emergency roadside assistance

Getting stuck on the road with a flat tyre, dead battery or an empty fuel tank can be extremely frustrating. With our emergency roadside assistance add-on, you will never be far from help.

Overnight car repair service

Imagine a situation where you need your car in the morning, and it develops a small problem in the evening before that. With our overnight car repair service, you do not need to worry as we will fix your car overnight and have it ready to go by the next morning.

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Frequently Asked Questions

I have upgraded from a Ciaz Sigma to a Ciaz Alpha? Can I transfer the insurance of my existing car to the new one?

Car insurance is based on the specific car, the details of which were provided during the application process. Specifically, these include the registration number, chassis number, Insured’s Declared Value. Now that you have purchased a new model, your coverage needs as well as the IDV of the car is bound to go up. The best course of action is to speak to your current insurance advisor to understand if there is any benefit that they will offer for you to upgrade your coverage. Most times, the convenient option is to buy a new comprehensive insurance policy. So, consult and discuss your specific needs, before you decide.

What kind of documents are needed for online policy renewal?

Online policy renewal is hassle-free and largely paperless. Since most of the information is already stored with the insurer, typically, it just requires you to verify existing details and may require you to upload ID proof and Vehicle’s RC.

I have recently bought a second hand Ciaz Delta which is 7 years old. Can I get Zero Depreciation cover for it?

Most insurers provide zero-dep coverage only for cars that are less than 5 years in age. Hence, you may not be able to get it for your 7 year old car. However, you may consult your insurer for specific details.

What happens to my No Claim Bonus in case my Maruti Ciaz insurance expires?

HDFC ERGO, specifically, gives you a 90 days period even after the expiry of the policy. Within this time, even if you sell your car you can get an NCB reservation letter with a further validity of upto 3 years.

How can I use the Return To Invoice add-on cover for my Maruti Ciaz?

This cover is very useful in case of theft of your car or its total loss in damages. Most insurers will pay you the IDV provided in the policy. However, using this add-on from HDFC ERGO you can actually get the value for which you had originally bought your car.

What is the recommended car insurance plan for Maruti Ciaz

Once you miss the renewal period of your car insurance you are given a period of 90 days to renew the policy. Thereafter, you would lose your No Claim Bonus forever. Therefore, it is advised to get your car insurance renewed within the given period of time so as to avoid losing a big discount like NCB.

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