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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 Bajaj General 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 car insurance 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 car insurance 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 Car 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 General?
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Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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Enter your car details
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You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value (IDV) that reflects your car value
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Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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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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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Download our Bajaj General App on Android or iOS
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Register or login to use Motor On the spot claim for a smooth process
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Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Bajaj General App
Know More
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For any further queries, please reach out to us
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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.
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What Our Customers Say
Great coverage option
Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!
Aryan Patil
Pune
19th Jan 2025
User friendly App
Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯
Naadiya Rafiq
Mumbai
19th Jan 2025
Seamless Policy generation
Love the ease of getting motor insurance through Bajaj General App. Highly recommend! 🙌
Monu Dubey
Chennai
19th Jan 2025
Seamless Policy generation
Caringly Yours by Bajaj General offers a fast and secure motor insurance process. Highly efficient!
Rasool Rosi
Delhi
19th Jan 2025
User friendly App
The Bajaj General App is ideal for motor insurance. User-friendly and dependable! 🚗
Sam Shona
Mumbai
14th Jan 2025
Easy renewal
Need to renew motor insurance? Bajaj General App makes it an effortless task. 👍
Shan Qureshi
Delhi
11th Jan 2025
Seamless Experience
Bajaj General App makes motor insurance renewal easy. Just a few clicks, and you're covered! 🚙
Lakshay Dhariwal
Pune
11th Jan 2025
Economical coverages
Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘
Biju VR
Bengaluru
23rd Dec 2024
FAQ's
What factors affect the premium of the WagonR car insurance?
Premium depends on the Insured Declared Value (IDV), vehicle age, claim history, location, selected plan/cover type, add-ons, and the safety features installed in the car.
Do I need a specific insurance plan for my WagonR?
You need at least a third-party insurance policy by law. For broader protection against events like accidents, theft, fire, and natural or man-made incidents, you may opt for a Private car package insurance plan with suitable add-ons.
Does WagonR car insurance cover accessories and modifications?
Factory-fitted accessories are covered. For aftermarket accessories or modifications, you must declare their value and may need an appropriate add-on for adequate coverage.
Does WagonR car insurance cover personal accident benefits?
Yes. Compulsory Personal Accident cover for the owner-driver is mandatory and provides financial protection in case of accidental injury, disability, or death.
How do I file a claim for my WagonR car insurance?
You can initiate a claim by informing Bajaj General Insurance Company and submitting the required documents. Cashless or reimbursement options may be available based on policy terms.
What documents are required for a WagonR car insurance claim?
You typically need the policy document, RC, driving licence, and a filled claim form. An FIR may be required for theft or certain major incidents. Additional documents may be requested depending on the nature of the claim.
Are WagonR repairs covered if done at a non-authorised garage?
Repairs done at non-network garages are generally covered under reimbursement claims, based on policy terms. Cashless claims apply only at authorised network garages.
How long does it take to settle a WagonR car insurance claim?
Claim settlement depends on document submission, assessment, and policy terms. Cashless and reimbursement claims are processed once verification and approvals are completed.
Can I get cashless claim settlement for my WagonR?
Yes. Bajaj General Insurance Company offers cashless claim support through its authorised network garages. You only pay applicable deductibles or non-covered expenses.
When should I renew my WagonR car insurance?
It is advisable to renew before policy expiry to maintain continuous coverage and retain benefits such as the No Claim Bonus (NCB).
Can I switch insurers when renewing my WagonR car insurance?
Yes. You can switch insurers at renewal and retain your accumulated No Claim Bonus, subject to applicable conditions and required documents.
What happens if I miss renewing my WagonR car insurance on time?
Coverage lapses, and claims during this period are not payable. Generally, insurers offer a grace period for renewing your existing car insurance policy. When renewed within 90 days, you may retain your NCB.
Will my No Claim Bonus be affected if I switch insurers?
No. Your NCB is not tied to the insurer. It can be transferred to the new insurer at renewal.
Can I modify my coverage during WagonR car insurance renewal?
Yes. You can update your IDV, add or remove add-ons such as Depreciation Shield for Zero Depreciation or Engine Protector, and adjust coverage based on your current requirements at renewal.
Why juggle policies when one app can do it all?
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