Mahindra Car Insurance

From daily city driving to long highway trips, Mahindra offers vehicles that balance comfort, safety, and practicality. Let us have a look at the general specifications of a Mahindra car.

The Mahindra carries a bold and futuristic design. It blends a strong SUV stance with smooth, aerodynamic elements making it versatile for families and individuals.

Mahindra Interiors

• The vehicle is equipped with a premium, tech-focused cabin designed for comfort.
• Most Mahindra vehicles like XEV 9s come with ambient lighting inside the cabin that adds to the modern driving experience.
• The SUV is equipped with spacious seating with premium upholstery and power-adjustable front seats.

Mahindra Exteriors

• The Mahindra vehicle features a sharp and modern exterior with clean lines and a muscular profile.
• It has stylish alloy wheels that enhance the SUV’s sporty road presence.
• The car has LED headlamps and connected LED tail lamps give it a distinctive look.

Also Read: Mahindra XUV 300 Insurance

TATA AIG offers a customised car insurance plan for your Mahindra cars, tailored to your vehicle requirements and driving needs. Let us take a quick look at the TATA AIG Mahindra car insurance.

Third-party Car Insurance Plan

A third-party car insurance plan for Mahindra cars offers financial protection to vehicle owners against third-party and property damages caused by insured vehicles. This plan is mandatory for all Mahindra vehicle owners. It also includes personal accident cover for owner drivers, offering financial compensation up to ₹15 lakh in the event of death or partial or permanent disability.

Standalone Own Damage Car Insurance Plan

TATA AIG standalone own damage car insurance plan offers protection to vehicle owners against their own Mahindra car damage and loss. This car insurance policy protects the vehicle against a wide range of damages, including accidents, collisions, flood damage, earthquakes, and more.

Comprehensive Car Insurance Plan

A comprehensive car insurance plan for Mahindra from TATA AIG combines both own damage and third-party liability coverage. It not only protects your vehicle against accidents, theft, fire, natural calamities, and other unforeseen damages but also covers legal liabilities arising from third-party injuries or property damage. It also comes with unique add-ons to enhance the vehicle coverage.

Mahindra insurance for cars offers the right protection to your vehicle, no matter how and where you drive. It gives you confidence while driving. Here are some of the benefits of investing in Mahindra car insurance online.

Mandatory Legal Compliance

One reason for having Mahindra car insurance online is to comply with the law. Whether you own a Mahindra Scopio or Bolero, having a third-party car insurance plan is mandatory for vehicle owners. Driving without this insurance coverage violates traffic rules and may result in penalties.

Covers Repairs Cost

Mahindra cars are popular for both city and rural commuting. Their spacious interiors make them a preferred choice for families. However, regular use on bumpy or rough roads can lead to wear and tear or accidental damage. These repair costs can be an additional burden on your pocket if you do not have car insurance online.

Theft and Total Loss Coverage

Mahindra cars, being sturdy and popular, may attract theft attempts or face total loss due to severe accidents or natural disasters. Losing your vehicle unexpectedly can be stressful and costly. With a comprehensive car insurance policy, you will receive the insured value of your Mahindra without straining your finances.

Enhanced Protection with Add-ons

Mahindra car engines are known for their performance and durability, but unexpected issues like engine oil leakage, electrical faults, or minor collisions can be costly to repair. However, when you have an add-on like engine secure with your car insurance policy, you can reduce your out-of-pocket expenses. This also ensures that your Mahindra car stays in top condition.

Fire Related Coverage

Fire-related incidents with Mahindra cars are not uncommon in India. Issues like spark plug faults, electrical short circuits, or other internal and external factors can cause them. Such damages are often extensive and expensive to repair. With fire-related coverage under your car insurance, you are financially protected against such hefty damages.

Also Read: Mahindra Thar Insurance

Also Read: Mahindra Bolero Insurance

Let us understand the workings of the Mahindra car insurance policy with an example. Ayush has purchased a comprehensive car insurance plan for his Mahindra Thar from TATA AIG. One day, while he is at work, his Thar gets stolen from the parking area. He immediately informs the police and files an FIR. Then, he raises a theft claim with TATA AIG.

After the investigation process and confirmation of theft, TATA AIG settles the claim by paying Ayush the insured value of his Mahindra Thar. This way, he does not suffer a major financial loss even in such an unexpected and stressful situation.

With a comprehensive car insurance plan, you can include extra covers to expand your policy’s benefits. Here are some useful add-ons you can consider for your Mahindra car insurance.

Zero Depreciation Cover

This cover helps you get a full claim settlement without any depreciation deductions on the replaced car parts. It is a great option for newer Mahindra cars as it increases the claim amount during repairs. This benefit may not apply to older vehicles.

Also Read: Zero Depreciation in Car Insurance

Engine Protection Cover

Engine Protection Cover add-on covers repair costs if your Mahindra car's engine is damaged due to water entering the engine or oil leakage. It is especially useful during heavy rains or in flood-prone areas. You must check eligibility based on your car’s age and condition.

Roadside Assistance Cover

If your Mahindra car breaks down, the roadside assistance cover ensures help is just a call away. It includes towing, fuel delivery, battery jumpstart, and minor repairs. It is ideal for people who travel long distances or want support during emergencies.

Return to Invoice Cover

If your Mahindra car is stolen or declared a total loss, this add-on pays the difference between your policy's insured value and the original invoice value. It includes costs like registration and road tax. It helps you recover the full value of your car.

Also Read: Return to Invoice Cover

Tyre Secure Cover

Tyre Secure Cover add-on covers the repair or replacement of tyres and tubes if they are damaged in an accident. It does not include damage from wear and tear. It helps lower repair bills after claims that involve tyre-related damage.

Consumables Cover

This add-on covers non-reusable parts, such as nuts, bolts, engine oil, brake fluid, and similar items used during repairs. These are not covered under a standard policy. It helps you get more complete financial coverage during claim settlement.

Also Read: Consumables Cover in Car Insurance

Daily Allowance Cover

If your Mahindra car is in the garage for repairs after an accident, this covers your daily travel expenses. You receive a fixed daily amount for a set number of days. It helps reduce inconvenience while your car is unavailable.

Also Read: Daily Allowance in Car Insurance

Loss of Personal Belongings Cover

This add-on offers compensation if your personal items, such as mobile phones, bags, or laptops, are stolen or damaged inside your insured Mahindra car. It adds extra security and peace of mind, especially for those who carry valuables during travel.

Note: We offer other useful riders with our comprehensive car insurance plan. You can check them out by visiting the website.

While buying a car insurance policy for a Mahindra car, vehicle owners need to consider certain factors to make an informed decision. Let us discuss these factors in detail.

Policy Coverage

When choosing a car insurance policy for your Mahindra, the first thing to look at is the type of coverage you need. If you rarely use your Mahindra car and only need the minimum protection, third-party insurance may be sufficient. But if you want wider protection against accidents, theft, fire, floods and more, a comprehensive policy is the better choice.

Insured Declared Value

The insured declared value of the Mahindra car is another factor to consider when purchasing a car insurance policy. If you choose a high insured declared value when buying a plan, you will receive higher compensation in the event of theft or total loss. If you choose the lower IDV, you have to bear losses out of pocket.

Add-ons Availability

Add-ons are another thing Mahindra car owners need to consider while buying a plan. Since the Mahindra car offers travel on rough and mixed terrain, having add-ons like zero depreciation, engine and gearbox protection, etc, can offer valuable support. These add-ons help enhance your coverage and avoid unexpected expenses during repairs or breakdowns.

Premium Amount

Lastly, when buying a plan, ensure the Mahindra car insurance price aligns with your budget. Premiums may vary based on your Mahindra model, location, claim history, IDV and chosen add-ons. While looking for an affordable premium is natural, it’s important not to compromise on crucial coverage. Find a plan that fits your budget while still giving your Mahindra the protection it needs.

If you want to buy Mahindra car insurance online with TATA AIG, you can easily do it with a few simple steps.

• Step 1: Go to the official TATA AIG website and click on the “Personal” section and choose the “Car Insurance" option.
• Step 2: For a brand-new Mahindra car, choose the “Insure your Brand New Car” option. Select the vehicle variant and other things. Click on the “See Price” option.
• Step 3: Various four-wheeler insurance plans are available. Choose the plan that fits you and select the IDV, and add-ons.
• Step 4: After finalising, complete the CKYC process and make a payment for the Mahindra car insurance plan.
• Step 5: Upon successful payment, the new Mahindra car insurance policy will be sent to you at your email address.

If the Mahindra car insurance is about to expire, then you can carry out the renewal with TATA AIG in just a few simple steps. Here is the process for Mahindra insurance renewal.

• Step 1: Open the TATA AIG website and navigate to the “Renewal” tab and choose the “Car” option.
• Step 2: Enter the Mahindra car's vehicle registration number. You can also select the existing policy number. Click on the “Renew” button.
• Step 3: The existing car insurance plan will appear. Review the policy carefully and modify the plan if you want to.
• Step 4: Once finalised, complete the CKYC process and pay for the Mahindra insurance renewal using the preferred payment method.
• Step 5: After payment is confirmed, we will email you the car insurance policy.

Your Mahindra car insurance premium is calculated based on specific details about your vehicle, location, and policy choices. Even two cars of the same model may have different premiums due to these factors.

Car Age, Model, and Location

The make, model, fuel type, and year of manufacture of your Mahindra car play a key role in premium calculation. Premiums are also affected by your location. Cars registered in high-traffic metro cities usually attract a higher premium compared to those registered in less congested areas.

Insured Declared Value (IDV)

IDV is the estimated market value of your Mahindra car at the time of insurance. It is the maximum amount the insurer will pay in the event of a total loss or theft. Choosing a higher IDV increases your premium. A lower IDV reduces the premium but may limit your claim amount.

Add-ons and Voluntary Deductibles

Including add-ons such as engine protection, zero depreciation, and more provides additional cover, which can increase your premium. On the other hand, selecting a voluntary deductible means you agree to pay a fixed amount for claims, which helps reduce your premium.

No Claim Bonus (NCB)

If you have not raised a claim during your previous policy period, you may be eligible for a No Claim Bonus. This discount begins at 20 per cent and can increase to 50 per cent after five consecutive claim-free years. It is applied during renewal and helps lower your premium.

Filing a Mahindra car insurance claim with TATA AIG is a simple process that requires a few basic steps. Here is the step-by-step guide to file reimbursement and cashless claims.

Cashless Claim Procedure for Mahindra Car Insurance

• Step 1: After an accident, notify the TATA AIG representative of the damage to the Mahindra vehicle via the helpline number (022 6489 8282) or the self-service portal.
• Step 2: After notifying, take your vehicle to the network garage. You can easily find a network garage using a garage locator tool.
• Step 3: Provide the policy documents to the garage owner. After that, our surveyor will conduct the vehicle assessment.
• Step 4: Based on vehicle assessment and other documents, we will approve or reject the claim.
• Step 5: If the claim is approved, the garage owner will initiate the repair process. After the repair, we will settle the bills directly.

Reimbursement Claim Procedure for Mahindra Car Insurance

• Step 1: To file a reimbursement claim, notify the TATA AIG representative about the incident by calling the helpline number (022 6489 8282) or using a self-service portal.
• Step 2: After notifying, take your Mahindra car to an authorised garage for repair. Get the repairs done and pay the repair bills.
• Step 3: Collect all original receipts and repair estimates from the garage owner, then submit them to the TATA AIG representative.
• Step 4: We will verify the claim form and other documents, and based on that, either approve or reject the claim.
• Step 5: Once the claim is approved, we will send the reimbursement amount directly into your bank account.

Policyholders need to submit the following list of documents to file a Mahindra car insurance claim.

• Original car insurance policy document
• Duly filled and signed claim form
• Repair estimates and bill
• FIR report in case of an accident
• Photographs and video of vehicle damage
• Any additional documents requested by the TATA AIG representative.

Whether you own an SUV or a utility vehicle, Mahindra cars come with robust engineering and modern features designed to handle both city roads and rough terrains. Protection of your Mahindra car with a car insurance plan is equally important.

Rugged Exterior and Body Parts

From bold front grilles to strong body panels, Mahindra vehicles are designed with a rugged exterior. Accidental dents, scratches, or structural damage can add up to high repair bills. TATA AIG car insurance plans help cover body repairs and protect your Mahindra’s tough exterior from unforeseen events.

Suspension and Off-Road Components

Built to handle rough roads and uneven terrain, Mahindra cars come with a strong suspension setup and high ground clearance. Damage to suspension parts, steering components, or underbody elements can lead to high repair costs. TATA AIG car insurance plan for Mahindra handles such repair expenses.

Premium and Practical Interiors

From ventilated seats to high-tech infotainment systems, Mahindra cars come with well-designed interiors. While driving, damage to interior panels, seats, or electronic controls due to accidents or fire can be expensive. With TATA AIG car insurance, you can protect these interior components from unexpected losses.

Mahindra cars are designed to deliver strong performance on both urban roads and off-road terrains. Their sturdy build makes them reliable for daily commutes as well as rough countryside tracks. However, frequent use on challenging roads can lead to accidental damage and wear and tear over time.

Purchasing a Mahindra car insurance online helps you stay financially protected against expenses arising from accidents, theft, collisions, fire and natural disasters. TATA AIG offers a customised car insurance policy for your Mahindra. For instance, our comprehensive car insurance online offers protection against vehicle own-damage and third-party damage.

Along with this, it also comes with unique add-ons, such as engine security and tyre security, to offer enhanced protection for your Mahindra vehicle. In addition, we offer NCB in car insurance, which helps reduce the premium at renewal for each claim-free year. So with all this in mind, protect your Mahindra vehicle with our tailored car insurance plan now.