Car purchasing is less vital in India than purchasing appropriate auto insurance. The Indian Motor Vehicles Act and the Indian Road Safety Act require a third-party auto insurance policy. As a result, it is essential to understand all of the features and offerings of auto insurance.
Continue reading to find the best third-party insurance provider for your Swift Dzire VXI LXI.
Top Car Insurance Companies in India
HDFC Ergo Car Insurance
Following a joint venture, HDFC and ERGO formed a partnership in 2015. The business provides services like overnight auto repairs and has over 6700 cashless garages. Around 1.5 crore satisfied consumers rate HDFC Ergo with a 4.4 customer rating. Eighty percent of claims are resolved in a single day, with HDFC Ergo offering a 100% claim settlement ratio.
Metric
Data
Company name
HDFC Ergo General Insurance
Headquarters
Mumbai, India
Founded
1999
Customers
Over 10 million
Claim settlement ratio
96.2%
Number of claims settled
3 million
Average claim settlement time
22 days
Network of garages
3,000+
24/7 emergency assistance
Yes
United India Car Insurance
United India Car Insurance was founded in February 1938 and currently serves over 1.38 crore policyholders. It offers a wide range of insurance products and pays out 95% of claims. The business succeeds in reaching its objective of 100% client satisfaction.
Metric
Data
Company name
United India Insurance
Headquarters
Kolkata, India
Founded
1938
Customers
Over 15 million
Claim settlement ratio
95.4%
Number of claims settled
4 million
Average claim settlement time
20 days
Network of garages
3,000+
24/7 emergency assistance
Yes
ICICI Lombard Car Insurance
ICICI Lombard General Insurance Company Ltd. was established in 2001 and provides a broad range of insurance products. Regarding auto insurance, the company’s claim settlement ratio is 93.4%. ICICI Lombard, which has a 4.7 customer rating, has provided auto insurance to more than 2.17 crore people.
Metric
Data
Company name
ICICI Lombard General Insurance
Headquarters
Mumbai, India
Founded
1993
Customers
Over 17 million
Claim settlement ratio
96.3%
Number of claims settled
4.5 million
Average claim settlement time
23 days
Network of garages
4,000+
24/7 emergency assistance
Yes
New India Car Assurance
New India Car Assurance was established in 1919 and boasts a 92% claim settlement rate. The organization has a large customer base and offers top-notch services both in India and outside.
More than 28 million Indians trust Royal Sundaram Car Insurance, founded in October 2000. The business offers whole car protection and boasts a 99% claim settlement percentage.
Metric
Data
Company name
Royal Sundaram General Insurance
Headquarters
Chennai, India
Founded
1956
Customers
Over 5 million
Claim settlement ratio
95%
Number of claims settled
1.2 million
Average claim settlement time
22 days
Network of garages
3,500+
24/7 emergency assistance
Yes
Digit Car Insurance
Established in the year 2016, Digit Insurance is trusted by over 3 crore Indians and has a 96% claim settlement ratio.
Attribute
Value
Company Name
Digit General Insurance
Headquarters
Bengaluru, India
Founded
2016
Customers
Over 2 million
Claim Settlement Ratio
96%
Number of Claims Settled
1 million
Average Claim Settlement Time
15 days
Network of Garages
1,000+
24/7 Emergency Assistance
Yes
Cholamandalam Car Insurance
Founded in 2001, Cholamandalam MS caters to different customer needs. With a 96% claim settlement ratio, the company is highly trusted by customers.
Feature
Details
Company name
Cholamandalam MS General Insurance Company Limited
Headquarters
Chennai, Tamil Nadu, India
Founded
1989
Parent company
Murugappa Group
Japanese partner
Mitsui Sumitomo Insurance Company Limited
Products
Motor insurance, health insurance, travel insurance, home insurance, and other general insurance products
Website
https://www.cholainsurance.com/
Total customers
10 million+
Claim settlement ratio
96% (FY 2021-22)
Future Generali Car Insurance
Future Generali has a 96% claim settlement percentage and has operated since 2006. With more than 121 locations around India, the business offers 24/7 customer service.
Feature
Details
Company name
Future Generali India Insurance Company Limited
Headquarters
Mumbai, India
Founded
2007
Parent company
Future Group
Products
Car insurance, health insurance, travel insurance, home insurance, and other general insurance products
Customers
Over 10 million
Claim settlement ratio
95.2% (FY 2021-22)
Number of claims settled
1.2 million (FY 2021-22)
Average claim settlement time
30 days
Network of garages
3,500+
24/7 emergency assistance
Yes
Reliance Car Insurance
Reliance Car Insurance was established in August 2000 and has met client expectations with its easy-to-use service. The organization has a 96% claim settlement ratio and is well-liked by clients.
Metric
Data
Company name
Reliance General Insurance Company Limited
Headquarters
Mumbai, India
Founded
2005
Parent company
Reliance Industries Limited
Products
Car insurance, health insurance, travel insurance, home insurance, and other general insurance products
Customers
Over 10 million
Claim settlement ratio
95% (FY 2021-22)
Number of claims settled
1.2 million (FY 2021-22)
Average claim settlement time
30 days
Network of garages
3,500+
24/7 emergency assistance
Yes
Liberty Car Insurance
Founded in 2013, Liberty Car Insurance has over 110 offices across. The company has issued 20 crore policies since 2013 and has a 98% claim settlement ratio.
Metric
Data
Company name
Liberty General Insurance Limited
Headquarters
Mumbai, India
Founded
2006
Parent company
Liberty Citystate Holdings Pte. Ltd.
Products
Car insurance, health insurance, travel insurance, home insurance, and other general insurance products
Customers
Over 5 million
Claim settlement ratio
95.4% (FY 2021-22)
Number of claims settled
1 million (FY 2021-22)
Average claim settlement time
25 days
Network of garages
2,500+
24/7 emergency assistance
Yes
Kotak Car Insurance
Established in April 2015, Kotak Car Insurance has over 1.1 crore customers. With 4000+ network garages, the company has a 98% claim settlement ratio.
Metric
Data
Company name
Kotak Mahindra General Insurance
Headquarters
Mumbai, India
Founded
2002
Customers
Over 5 million
Claim settlement ratio
96.8%
Number of claims settled
1.1 million
Average claim settlement time
23 days
Network of garages
3,000+
24/7 emergency assistance
Yes
Bajaj Allianz Car Insurance
Bajaj Allianz is a customer-focused company that was founded in 1926. Customers of Bajaj Allianz can receive roadside assistance around the clock. With a 99% claim settlement rate, the business guarantees its clients receive what they require.
Metric
Data
Company name
Bajaj Allianz General Insurance
Headquarters
Mumbai, India
Founded
2001
Customers
Over 10 million
Claim settlement ratio
96.3%
Number of claims settled
1.5 million
Average claim settlement time
22 days
Network of garages
4,000+
24/7 emergency assistance
Yes
Zuno Car Insurance
Established in 2016, Zuno is a trusted insurance provider in India. With a huge customer base, the company has a 98% claim settlement ratio
Metric
Data
Company name
Zuno General Insurance
Headquarters
Mumbai, India
Founded
2017
Customers
Over 1 million
Claim settlement ratio
97%
Number of claims settled
500,000
Average claim settlement time
15 days
Network of garages
1,000+
24/7 emergency assistance
Yes
Key features
Cashless claim settlement
Zero depreciation cover
Personal accident cover
24/7 roadside assistance
Easy online purchase
Universal Sompo Car Insurance
Universal Sompo General Insurance began operations in India in 2008. Customers may get the finest insurance pricing, a speedy claim process, and round-the-clock service from the company, thanks to its PAN India presence. There is a 96% claim settlement ratio at Universal Sompo.
Metric
Data
Company name
Zuno General Insurance
Headquarters
Mumbai, India
Founded
2017
Customers
Over 1 million
Claim settlement ratio
97%
Number of claims settled
500,000
Average claim settlement time
15 days
Network of garages
1,000+
24/7 emergency assistance
Yes
IFFCO Tokio Car Insurance
In 2000, IFFCO Tokio and Tokio Marine Asia formed IFFCO Tokio Car Insurance as a joint venture. The company has a 96% claim settlement percentage and a 4.8 customer rating.
Metric
Data
Company name
IFFCO Tokio General Insurance
Headquarters
Mumbai, India
Founded
2000
Parent company
IFFCO (Indian Farmers Fertiliser Cooperative Limited) and Tokio Marine Group
Customers
Over 5 million
Claim settlement ratio
96%
Number of claims settled
1.2 million
Average claim settlement time
25 days
Network of garages
2,500+
24/7 emergency assistance
Yes
Swift Dzire VXI LXI Insurance Price – All Models
Variant Name
Ex-showroom Price
Comprehensive Car Insurance
Third Party Car Insurance
Own Damage Car Insurance
Maruti Swift Dzire 2012-2014 LXI Option 1197 cc, Petrol
₹5.03 Lac
₹ 13255
₹ 3416
₹ 1762
Check Premium
Maruti Swift Dzire 2012-2014 LXI 1197 cc, Petrol
₹5.03 Lac
₹ 13098
₹ 3416
₹ 1656
Check Premium
Maruti Swift Dzire 2012-2014 Regal 1197 cc, Petrol
₹5.50 Lac
₹ 13318
₹ 3416
₹ 1804
Check Premium
Maruti Swift Dzire 2012-2014 VXI 1197 cc, Petrol
₹5.64 Lac
₹ 13565
₹ 3416
₹ 1970
Check Premium
Maruti Swift Dzire LXI 1197 cc, Petrol
₹5.89 Lac
₹ 13334
₹ 3416
₹ 1815
Check Premium
Maruti Swift Dzire 2012-2014 LDI 1248 cc, Diesel
₹6.00 Lac
₹ 15483
₹ 3416
₹ 2831
Check Premium
Maruti Swift Dzire 2012-2014 ZXI 1197 cc, Petrol
₹6.54 Lac
₹ 14070
₹ 3416
₹ 2311
Check Premium
Maruti Swift Dzire 2012-2014 VXi AT 1197 cc, Petrol
₹6.57 Lac
₹ 13662
₹ 3416
₹ 2036
Check Premium
Maruti Swift Dzire 2012-2014 VDI 1248 cc, Diesel
₹6.75 Lac
₹ 15934
₹ 3416
₹ 3262
Check Premium
Maruti Swift Dzire VXI 1197 cc, Petrol
₹6.79 Lac
₹ 13394
₹ 3416
₹ 1856
Check Premium
Maruti Swift Dzire 2012-2014 LDIX Limited Edition 1248 cc, Diesel
₹6.86 Lac
₹ 15483
₹ 3416
₹ 3152
Check Premium
Maruti Swift Dzire VXI AT 1197 cc, Petrol
₹7.32 Lac
₹ 13989
₹ 3416
₹ 2256
Check Premium
Maruti Swift Dzire ZXI 1197 cc, Petrol
₹7.48 Lac
₹ 14070
₹ 3416
₹ 2311
Check Premium
Maruti Swift Dzire 2012-2014 ZDI 1248 cc, Diesel
₹7.59 Lac
₹ 16584
₹ 3416
₹ 3711
Check Premium
Maruti Swift Dzire ZXI AT 1197 cc, Petrol
₹8.01 Lac
₹ 14070
₹ 3416
₹ 2311
Check Premium
Maruti Swift Dzire ZXI Plus 1197 cc, Petrol
₹8.28 Lac
₹ 14472
₹ 3416
₹ 2581
Check Premium
Maruti Swift Dzire ZXI Plus AT 1197 cc, Petrol
₹8.80 Lac
₹ 14700
₹ 3416
₹ 2735
Check Premium
Top Comprehensive Plans by Top Insurance Companies with Offers
Insurance Company
Cashless Garages
Claims Settled
Comprehensive Claims
Starting From (in ₹)
Key Features
HDFC Ergo Car Insurance
6,800
89%
Unlimited
15,655
Maximum Cashless Garages, Over Night Vehicle Repairs, 24×7 Roadside Assistance
United India Car Insurance
3,100
95%
Unlimited
15,655
Towing Assistance (For Accidents), Coverage Outside India, PSU Provider
ICICI Lombard Car Insurance
5,600
88%
Unlimited
17,319
Towing Assistance (Till 50 kms), 6-Month Repair Warranty, Free Pick-Up and Drop
New India Car Insurance
3,000
92%
Unlimited
15,655
Towing Assistance till Rs 1,500, Coverage Outside India, PSU Provider
Royal Sundaram Car Insurance
3,300
99%
Unlimited
15,655
Zero Depreciation till 7 years, 6-Month Repair Warranty, Free Pick-Up and Drop
Future Generali Car Insurance
3,500
96%
Unlimited
15,587
Towing Assistance (Accidents), Priority Car Repairs, 24×7 Roadside Assistance
Top Third-Party Plans by Top Insurance Companies with Offers
Insurance Company
Cashless Garages
Claims Settled
Comprehensive Claims
Starting From (in ₹)
Key Features
HDFC Ergo Car Insurance
6,800
89%
Unlimited
3,416
Covers Third Party Person
United India Car Insurance
3,100
95%
Unlimited
3,416
Covers Third Party Property
ICICI Lombard Car Insurance
5,600
88%
Unlimited
3,416
Covers Third Party Person
New India Car Insurance
3,000
92%
Unlimited
3,416
Covers Third Party Property
Royal Sundaram Car Insurance
3,300
99%
Unlimited
3,416
Covers Third Party Person
Future Generali Car Insurance
3,500
96%
Unlimited
3,416
Covers Third Party Property
Reliance Car Insurance
8,200
98%
Unlimited
3,416
Covers Third Party Person
Liberty Car Insurance
4,500
98%
Unlimited
3,416
Covers Third Party Property
Kotak Car Insurance
2,327
98%
Unlimited
3,416
Covers Third Party Person
Bajaj Allianz Car Insurance
4,000
99%
Unlimited
3,416
Covers Third Party Property
Zuno Car Insurance
1,500
98%
Unlimited
3,416
Covers Third Party Person
Universal Sompo Car Insurance
3,500
96%
Unlimited
3,416
Covers Third Party Property
IFFCO Tokio Car Insurance
4,300
96%
Unlimited
3,416
Covers Third Party Person
Digit Car Insurance
6,000
96%
Unlimited
3,416
Covers Third Party Property
Cholamandalam Car Insurance
4,636
96%
Unlimited
3,416
Covers Third Party Person
How to buy car insurance online?
Purchasing auto insurance online is a simple and fast procedure. Nonetheless, to identify your ideal insurance company, you must perform some primary study. The remainder of the process is very easy. Follow the steps given below to buy car insurance online.
Visit the insurance company’s official website.
Enter the details of your car, including the manufacturer, model, gasoline type, and registration number, at the top of the page.
The next step is to evaluate coverage and choose the auto insurance option that best meets your needs. Additionally, you may personalize your auto insurance policy by selecting add-ons like emergency assistance, essential protection, zero depreciation coverage, and more.
Suppose you have previously purchased an insurance plan. In that case, you must provide information about that previous policy, including the expiration date, the no-claim bonus you received, and the claims you made.
After that, to receive quotes, you must submit your name, email address, and mobile number.
Once the payment has been made, you are ready to proceed. Your email address will receive links to your online policy papers.