Maruti Suzuki SX4 S-cross Car Insurance

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There is a very interesting backstory of the Suzuki SX4 S-Cross crossover SUV from the Maruti camp, which was launched in India in 2015. The parent of this car is Suzuki SX4, which was developed as a collaborative project between Suzuki and Fiat, and was first launched in 2006. It was a combination of hatchback and sedan.

Suzuki SX4 S-Cross is actually the 2nd generation of Suzuki SX4, which was launched in 2013, as a crossover SUV, and as a result of this launch, SX4 was replaced with Suzuki Ciaz. Ever since its India launch in 2015, S-Cross has been one of the most successful crossover SUVs from Maruti Suzuki and was loved by both drivers and critics. The new variant is available in both petrol as well as diesel engine types. The petrol variant has an engine of 1.0LBOOSTERJET, 1.4L BOOSTERJET, and the diesel variant has an engine of 1.6L DDiS.

Key Specifications of Maruti Suzuki SX4 S-cross

The highlight of this crossover SUV, also known as mini-SUV in some markets, is the powerful engine, which gives that extra punch and edge to the car.  SX4 S-Cross is available in both automatic and manual transmission and features advanced NEXTGen Smart Hybrid Technology for extra smoothness and finesse: the engine not only automatically stops when idle, but also starts silently, in both manual and automatic transmission modes. 

Some of the Top-rated Features of Maruti Suzuki SX4 S-cross

  • Engine capacity is 998cc, 1,373 cc and 1,598 cc, which gives a max power of 82kW @ 5,500 rpm, 103 kW @ 5,500 rpm, 88 kW @ 3,750 rpm respectively.
  • The car offers a max torque of -160 Nm @ 1,800-4,000 rpm to 320 Nm @ 1,750 rpm
  • The car features automatic transmission with Hill Hold assist
  • A new SmartPlay Studio entertainment and digital info system has been introduced, with a touch-screen feature
  • Wipers are auto-sensing during rains
  • Headlamps are automatic as well
  • The overall length is 4300mm, while the width is 1785mm.
  • The wheelbase is huge at 2600mm, with a turning radius of 5.2m
  • Car is equipped with ISOFIX Child Seat Anchorages in the rear seats
  • For safety, we can find dual air-bags, along with brake assist and an anti-lock braking system with an Electronic brakeforce distribution mechanism

What is Covered Under Maruti Suzuki SX4 S-cross Car Insurance Policy

Third-Party Losses: In the unfortunate event of third party loss, your policy will take care of the legal and financial liabilities.

Damages Due to Accidents: If your car is damaged due to an accident, nothing to worry about as your car insurance policy got you covered.

Car Thefts: In case your car is stolen, your Maruti car insurance policy will look after the same.

Damages Caused in Fire: If your car catches fire, your car policy will pay for the damages.

Damages Due to Natural/Man-made Disaster: When flood, hurricane, hail storm, tornado, riots, etc attack your car, your insurance policy comes handy. 

Personal Accident: In case you meet with an accident that leads to injuries or unfortunately death, your policy will offer compensation of up to INR 15 lakh.

Note: You will have to buy PA Cover separately. 

What is not Covered Under Maruti Suzuki SX4 S-cross Car Insurance Policy

Drunken Driving: No car insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened.

Unauthorised Driving: Your claim will be rejected if the driver is without a valid Driver’s License.

Deliberate Accident: If the accident has been caused purposely, the claim will be rejected.

Consequential Damages: Consequential damages that are caused after the accident are not covered under insurance.

Negligence: An accident occurs because of your own negligence, you won’t be able to claim the damages.

Depreciation: Damages that are caused because of normal wear and tear, mechanical or electric failure due to travelling.

Expired policy: If the policy has lapsed, your damages will not be covered.

Excluded Add-Ons: You will not be able to claim the benefits that you do not have in your plan.

How to Renew Your Maruti Suzuki SX4 S-cross Car Insurance Policy

You can renew your Suzuki SX4 S-cross car insurance policy in 5 easy and quick steps. 

Step 1 - Fill in your Name, Address, Mobile Number, Vehicle’s Make, Model, Variant, Registration Date & the city you drive in. 

Step 2- Press ‘Get Quote’ and choose your choice of Plan (third-party liability car insurance, comprehensive add on car insurance, standalone own damage car insurance) or add-ons

Step 3 - Enter details of your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned

Step 4 - You will get a quote for your premium

Step 5- Make the final payment to renew your policy

Maruti Suzuki SX4 S-cross Review

Maruti fans are buoyed over by the rock-solid build quality of this crossover SUV from Maruti Suzuki, which is quite impressive, to say the least. Both interiors and exteriors have that tough look and feel appeal, and it works. The car is a beauty to drive, both within the city, and on the highways:  The automatic transmission mode has a smooth torque, and the pickup is seamless, soundless. 

Maruti Suzuki SX4 S-cross Car Insurance FAQs

  • 1. This is my 1st car insurance ever. Yesterday, my car received a small dent in the backside, and the expense will be INR 2500 for repairing it. Should I claim insurance?

    As per the insurance policy, you can claim insurance money for this repair job, but we will suggest, don’t do it. The reason is that, if you make a small claim of INR 2500, you will lose the benefits of No Claim Bonus, and this means you will need to pay the full amount for insurance renewal next tenure.

  • 2. How to get the No Claim Bonus?

    If you don’t make any insurance claim during the whole tenure of the insurance policy, then you will receive a No Claim Bonus, which can give you a discount of upto 50% on your next insurance renewal for not raising a claim of up to 5 consecutive years.

  • 3. For how long does a typical car insurance policy last?

    Normally, Car insurance policies are of 12-month tenure, from the day of start. But since 2018, multi-year car insurance policies have also come up which last up to 2-3 years.

  • 4. I wish to buy another car, and sell off my current car. What will happen to my car insurance, which I just renewed?

    You can definitely transfer your existing car insurance to your new car. But for that, you will need to pay the difference in the amount. For example, if your new car is more expensive than your old car, then you will need to pay the difference of the insurance premium, prorated as per the time remaining. 

  • 5. What if I sell my current car to another person. Can I transfer the insurance to the new owner?

     Yes, you can easily transfer your car insurance to the new owner of the car. However, this transfer of car insurance should happen within 14 days of the transfer of the registration certificate. 

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