Car Insurance for Honda Amaze: Premium, Coverage and Plans for 2026

As of 2026, under current IRDAI norms.

What Is Honda Amaze Car Insurance?

Honda Amaze car insurance is a motor insurance policy designed to cover financial losses from accidents, theft, natural calamities, and third-party liabilities involving your Amaze. Under the Motor Vehicles Act, 1988, every Honda Amaze on Indian roads must carry at least a valid third-party insurance policy. A comprehensive plan adds own-damage protection on top.

Here is what makes insuring a Honda Amaze distinct from other compact sedans:

• 1000-1500cc TP slab, The 1199cc i-VTEC petrol engine falls in the middle slab at approximately Rs 3,416/yr, significantly lower than SUVs above 1500cc (Rs 7,890/yr)
• Affordable IDV bracket, With prices between Rs 7.20 lakh and Rs 9.96 lakh, the Amaze keeps IDV low, directly reducing your OD premium
• Honda's low repair costs, Genuine Honda parts for the Amaze are 15% to 25% cheaper than equivalent parts for sedans from European brands. A front bumper costs Rs 3,500 to Rs 6,000; a headlamp assembly costs Rs 4,000 to Rs 8,000
• 4-star GNCAP safety, Dual airbags, ABS with EBD, and a rigid body shell earned the Amaze a 4-star crash test rating, which keeps claim severity low
• Excellent parts availability, Honda has 380+ service centres across India. Spare parts reach even tier-3 cities within 24 to 48 hours, which speeds up claim repairs
• CVT and manual options, The CVT automatic variant costs Rs 50,000 to Rs 80,000 more than manual, resulting in a slightly higher IDV and Rs 200 to Rs 400 more in annual OD premium

Why Honda Amaze Insurance Matters

The Honda Amaze may be a budget-friendly sedan, but driving without proper insurance exposes you to financial risks that far exceed the car's price. Here is why the right policy matters:

• Legal requirement under Indian law, Driving without at least TP cover attracts a Rs 2,000 fine for first offence. The Amaze's TP at approximately Rs 3,416/yr is a small price for legal compliance.
• Accident repair costs add up fast, A minor fender bender costs Rs 8,000 to Rs 15,000. A side-panel replacement runs Rs 12,000 to Rs 20,000. Without own-damage cover, every dent and scratch comes from your pocket.
• Theft protection for a popular sedan, The Amaze is widely used by first-time buyers and urban commuters. Its popularity makes it a target in high-theft areas. Your IDV ensures you get compensated if the car is stolen.
• Monsoon and flood damage, Indian roads flood during July to September. Engine hydrolock from water ingestion can cost Rs 50,000 to Rs 1.2 lakh. Engine protection add-on covers this at just Rs 500 to Rs 800 per year.
• Third-party liability is unlimited, A single accident causing injury to a pedestrian or another vehicle can result in consumer redressal body-awarded compensation exceeding Rs 10 lakh. Your TP policy covers this liability.
• Financial security for first-time owners, Many Amaze buyers are purchasing their first car. A comprehensive policy removes the stress of unexpected repair bills while you are still learning city driving.
• Honda warranty protection, Honda offers a 2-year/unlimited km warranty on the Amaze. Comprehensive insurance ensures both warranty and non-warranty damage is covered during this period.

Coverage Options: Third-Party vs Comprehensive

When choosing car insurance for Honda Amaze, understanding the difference between plan types helps you pick the right balance of coverage and cost:

Amaze-specific note: The 1199cc engine attracts a TP premium of approximately Rs 3,416/yr, the middle slab. Because the Amaze's OD component is also modest (thanks to low IDV and affordable parts), the jump from third-party to comprehensive is just Rs 1,500 to Rs 3,000 per year. For that small difference, you get accident, theft, and natural disaster protection. Comprehensive is almost always the smarter choice for any Amaze under 7 years old.

How to Buy Honda Amaze Insurance Online

Buying car insurance for Honda Amaze online takes under 5 minutes. Follow these steps at hizuno.com:

1. Enter your vehicle details, Visit hizuno.com/car-insurance and enter your Honda Amaze registration number. The system auto-detects your variant (MT/CVT), manufacturing year, and RTO location.
2. Select your plan type, Compare third-party and comprehensive options side by side. For an Amaze priced under Rs 10 lakh, the comprehensive premium is just Rs 1,500 to Rs 3,000 more than TP-only, well worth the upgrade.
3. Choose your add-ons, Pick from zero depreciation, engine protection, roadside assistance, and consumables cover. For first-time Amaze buyers, zero dep is the most valuable add-on at Rs 600 to Rs 1,200 per year.
4. Review and apply NCB, Verify your vehicle details, coverage, and final premium. Apply your NCB discount (20% to 50%) if transferring from a previous policy with a claim-free record.
5. Pay and receive instant policy, Complete payment via UPI, net banking, or card. Your Honda Amaze insurance policy is generated instantly and emailed to you within minutes. Download it immediately for your records.

Key Factors That Affect Your Honda Amaze Premium

Several variables determine your Honda Amaze insurance cost. Understanding these helps you plan better:

• Variant and transmission, The CVT automatic variant is priced Rs 50,000 to Rs 80,000 higher than the manual, resulting in a higher IDV and Rs 200 to Rs 400 more in annual OD premium. The S and VX trims have different ex-showroom prices that affect IDV.
• Registration city and RTO zone, Amaze owners in Mumbai, Delhi, and Bangalore pay 10% to 15% higher premiums than those in tier-2 cities due to higher traffic density and accident rates.
• NCB history, A 5-year claim-free record earns you 50% off the OD premium. On an Amaze OD of Rs 2,500 to Rs 4,500, that saves Rs 1,250 to Rs 2,250 annually.
• Vehicle age and depreciation, A new Amaze has the highest IDV. By year 3, IDV drops approximately 30% to 35%. This reduces the OD premium but also lowers your claim payout.
• Add-ons selected, Zero dep, engine protection, and RSA together add Rs 1,000 to Rs 2,500 per year. Choose based on your actual driving patterns, city commuters may skip RSA while monsoon-area drivers need engine protection.
• Honda's parts pricing advantage, Honda genuine parts are competitively priced. This translates to lower claim costs for insurers, which helps keep your OD premium moderate compared to European brand sedans.

Honda Amaze Insurance Cost by Variant (2026 Estimates)

Below is an estimated breakdown of Honda Amaze insurance costs across variants. Actual premiums vary by RTO, NCB, and add-ons selected.

Note: Premiums shown are for new vehicles without add-ons. OD premiums exclude NCB discount. Actual rates vary by insurer, city, and policy terms. Figures for FY 2025-26.

• CVT variants cost Rs 200 to Rs 400 more annually, The automatic transmission increases the ex-showroom price and IDV, adding a modest bump to the OD component
• NCB can save Rs 1,200 to Rs 1,800 per year, A 50% NCB on the top VX CVT variant's OD of Rs 3,600 brings it down to Rs 1,800
• Add-ons add 15% to 35% to total premium, Zero dep and engine protection together cost Rs 800 to Rs 1,500 extra but cover out-of-pocket expenses worth thousands during claims
• Get an exact quote at hizuno.com/car-insurance, Enter your registration number for a personalised premium based on your specific variant, city, and claim history

Common Mistakes Honda Amaze Owners Make with Insurance

Avoid these common mistakes when insuring your Honda Amaze:

• Letting the policy lapse for even one day, A gap in coverage wipes out your entire NCB (up to 50% discount). On an Amaze, that is Rs 1,200 to Rs 1,800 wasted. Renew at least 15 days before expiry.
• Over-insuring with unnecessary add-ons, The Amaze is an affordable car with inexpensive parts. You probably do not need return-to-invoice cover on a 5-year-old Amaze. Match add-ons to your car's age and your driving patterns.
• Artificially lowering IDV to reduce premium, Reducing IDV by Rs 50,000 saves only Rs 200 to Rs 400 on premium, but cuts Rs 50,000 from your total loss or theft payout. Not worth it.
• Not mentioning the CVT variant correctly, CVT and manual variants have different IDV values. If your policy lists the wrong transmission type, claims can be disputed. Always verify variant details at purchase.
• Filing claims for scratches under Rs 3,000, Small cosmetic repairs are cheaper to pay out-of-pocket than filing a claim and risking your NCB. A 50% NCB saves more than the claim amount on minor damage.

Tips to Lower Your Honda Amaze Insurance Premium

Smart decisions can reduce your Amaze insurance cost while keeping protection strong:

• Protect your NCB every year, Skip claims for minor scratches under Rs 3,000. A 50% NCB saves Rs 1,200 to Rs 1,800 annually on the OD component, more than most minor repair costs.
• Choose a voluntary deductible of Rs 2,500 to Rs 5,000, This reduces your annual premium by Rs 300 to Rs 700. A sensible option for careful drivers who rarely file claims.
• Install an IRDAI-approved anti-theft device, This earns you a 2.5% discount on OD premium. On the Amaze, the saving is modest (Rs 60 to Rs 90) but adds up over years.
• Buy online at hizuno.com, Online purchases eliminate agent commissions. Digital-first buying typically offers the most competitive premiums for budget sedans like the Amaze.
• Renew 15 days before expiry, Timely renewal preserves your NCB and avoids vehicle inspection costs. A lapsed Amaze policy means restarting with zero NCB.
• Use Zuno's online tool to compare plans instantly, Enter your registration number and see comprehensive vs TP-only side by side. The tool shows exact premium breakdowns so you know what you are paying for.

Budget-Friendly Insurance for First-Time Honda Amaze Buyers

The Honda Amaze is often a first car purchase for young professionals, families upgrading from two-wheelers, and budget-conscious buyers looking for Honda reliability. If you are buying your first car insurance along with your first Amaze, this section is for you.

Why the Amaze Is Ideal for First-Time Insurance Buyers

First-Car Insurance Checklist for Amaze Buyers

If this is your first car and first insurance purchase, follow this checklist to get it right:

• Always start with comprehensive, As a new driver, your accident risk is higher. The Rs 1,500 to Rs 3,000 extra for comprehensive (over TP-only) protects you from repair bills that can exceed Rs 15,000 in a single incident.
• Add zero depreciation for the first 2-3 years, New cars depreciate fastest in the first 3 years. Without zero dep, you pay 20% to 30% of parts cost from your pocket during claims. On a new Amaze, zero dep costs just Rs 600 to Rs 1,200/yr.
• Consider engine protection if you drive in flood-prone areas, Cities like Mumbai, Chennai, Kolkata, and Hyderabad experience heavy waterlogging during monsoons. Engine hydrolock repair costs Rs 50,000 to Rs 1.2 lakh. The add-on costs Rs 500 to Rs 800.
• Skip return-to-invoice on a budget sedan, RTI covers the gap between IDV and invoice price. For a car under Rs 10 lakh, this gap is manageable. Save that Rs 800 to Rs 1,200 and put it towards zero dep instead.

Honda's Service Network Helps Your Insurance Experience

Honda operates 380+ authorised service centres and dealerships across India. This extensive network directly benefits your insurance experience in three ways:

• Cashless repairs at Honda centres, With Zuno's 5,000+ network garages, most authorised Honda centres are included. You walk in, get your Amaze repaired with genuine parts, and the insurer settles the bill directly.
• Genuine parts availability within 24-48 hours, Honda's parts supply chain reaches even smaller cities quickly. This means your claim repair does not get delayed by weeks waiting for parts, a common problem with less established brands.
• Competitive labour rates, Honda's standardised labour charges for the Amaze are among the most reasonable in the segment. Lower labour costs mean lower claim amounts, which helps your premium at renewal.

Extended Warranty vs Insurance for the Honda Amaze (2026)

A manufacturer warranty on the Honda Amaze covers manufacturing defects for a fixed period and kilometre limit. An extended warranty prolongs that same defect cover. It is sold by the manufacturer or the dealer, not by an insurer, and it does not replace motor insurance.

The two protect against different things and do not overlap:

• An extended warranty pays when a covered part fails on its own, such as a gearbox, ECU or electrical component that stops working with no external cause.
• Motor insurance pays for accident damage, theft, fire, flood and third-party liability. A warranty covers none of these.
• Third-party cover stays compulsory under the Motor Vehicles Act 1988 for as long as the Honda Amaze is on the road, whether or not it is still under warranty.
• Both exclude wear and tear. Consumables, tyres, brake pads and routine service sit outside a warranty and outside an own-damage claim. On the insurance side a consumables add-on is what covers those items.

The exact term and kilometre limit differ by variant and by year of manufacture, so check the warranty booklet in your Honda Amaze document pack rather than relying on a general figure.

Frequently Asked Questions