MG Astor Insurance
MG Astor Insurance
MG Astor is a premium hatchback in India from the British car manufacturer MG or Morris Garage. The Astor is a sharp-looking car with a full sunroof and plush interior. For those who want to grab some attention on the road, the MG Astor could be an ideal car for them. Apart from the look, the car has many other qualities. It is loaded with modern features, returns great mileage, and is sturdily built.
If you are a happy MG Astor owner, we hope you already have a car insurance policy. If you do not, make sure you get a car insurance policy before you roll down the streets in your MG Astor.
As per the 1988 Motor Vehicles Act, every vehicle in India must be insured via a valid insurance policy. The same is the scenario for anyone who owns an MG Astor. However, before purchasing car insurance, you should understand what car insurance is, its benefits, and why having it is essential.
Car Insurance — A Brief Introduction
Car insurance offers coverage for the car, the owner-driver, and the third party affected by the insured vehicle. Car insurance financially covers third-party liabilities that arise from the damages caused to a third person or property in case of accidents or disasters. It covers injuries incurred to the owner-driver for theft, irreparable damages, etc. You can decide the type of insurance coverage you desire and choose a suitable insurance policy with Tata AIG. Purchasing car insurance with Tata AIG can be done both online and offline.
The kinds of car insurance are — comprehensive car insurance, third-party car insurance, and stand-alone own-damage insurance.
Third-party car insurance provides financial coverage if the insured car damages a third-party vehicle or property during an accident. However, it does not offer an economical range for the injuries caused to the insured four-wheeler.
Comprehensive car insurance protects the owner against third-party liabilities and ensures it for any damages caused to the insured car. Be it theft, a natural disaster, accidents, or injuries caused due to fire; comprehensive car insurance offers protection for all. Not just that, with comprehensive car insurance, you can also avail yourself of a Personal Accident Cover that would protect you against severe physical injuries caused during an accident.
Tata AIG offers multiple choices for car owners who wish to insure their four-wheelers. These car insurances can be further strengthened by 13 car insurance add-ons provided by Tata AIG.
If you want to purchase an MG Astor car insurance or renew your previous insurance plan, you can head to the Tata AIG car insurance page and get things done within minutes. To get the best MG Astor insurance price, it is vital to compare car insurance plans to check which policy offers the best returns with the least premiums.
MG Astor Car Insurance Renewal/Buy via Tata AIG
If you wish to purchase a fresh or renew your MG Astor insurance, you can head to the Tata AIG car insurance page and do needful in merely a few minutes. A car insurance's online purchase and renewal process is quick and easy. On the other hand, you can also get car insurance for your MG Astor offline by visiting the closest Tata AIG office. But, with the world getting speedily digitised, it is easier to get things done online. Below is the step-by-step guide to buying or renewing MG auto insurance online.
Step 1 - Visit the Tata AIG website and get to the "Car Insurance" section. Input the registration number of your MG Astor in the given box. Click on the "Renew Existing Tata AIG policy" if you wish to renew your existing MG Astor car insurance. On the other hand, if you want to purchase a new MG Astor car insurance, click on the "Get Price" option.
Step 2 - As you choose a new purchase or a renewal, a form will pop up on the screen. Carefully fill in all the required details to get the best car insurance quote for your MG Astor.
Step 3 - Select the appropriate Insured Declared Value or IDV for your four-wheeler from the mentioned drop-down list. Also, specify if you have ever made a previous claim on your four-wheeler insurance. In case you have never made a prior claim. You can enjoy the additional benefits of receiving a No Claim Bonus or NCB discount from Tata AIG.
Step 4 - Next, choose the insurance riders you would like to purchase along with the car insurance and click on the "Submit" button to know your MG Astor insurance cost. Once you receive the MS car insurance quotes, you can make a choice and use an acceptable digital payment mode to instantly make a purchase.
Step 5 - Once you pay, the payment gets processed within seconds, and Tata AIG will send you a copy of your purchased MG car insurance to your registered mailing address and WhatsApp number. You can download a copy and keep it in your insured car if required.
MG Astor Car Insurance Price – Your Premium Amount
gg3The insurance premium drives the preference for the car insurance plan for driver-owners. Before you select the kind of four-wheeler insurance you prefer, you need to understand the factors that help compute the premium for your MG insurance. You can easily calculate the premium amount for your MG Astor by visiting the Tata AIG website. Tata AIG provides you with an online premium car insurance calculator that helps compute the car insurance premium for your MG Astor.
Below, let us know more about the factors affecting a car insurance premium.
1. Insured Declared Value
IDV is the current cost of the four-wheeler after subtracting the depreciation. IDV is the highest amount one can claim in case their four-wheeler has been stolen or incurred a complete loss. Car insurance is directly proportional to IDV. The higher the IDV value, the higher the premium for the car to be insured.
2. Age of the Car
A car's age is another factor that affects the premium sum for a car insurance plan. The premiums for brand-new and expensive four-wheelers are always higher than that for cheaper and older ones. And as a car's value depreciates with each passing year, the declared IDV value drops. Along with the depreciated value, the premium sum also decreases.
3. Insurance Coverage
The premium for your car insurance also depends upon the type of car insurance plan you choose. For instance, a third-party car insurance policy will only cover third-party liabilities. Thus, it will come for a lower premium amount. On the other hand, comprehensive car insurance plans offer coverage to all the involved parties - your car, you, third-party property, and the third party. Therefore, comprehensive insurance plans always come for a higher premium amount.
The premium will increase with every add-on you choose to add to your car insurance policy. Tata AIG provides a wide range of add-ons that offer additional coverage for your car in specific situations. The premium, in such scenarios, depends on the types and number of add-ons you choose.
5. Engine Capacity
The engine is one of the essential parts of a four-wheeler. The engine size of your car will influence the premium for your car insurance. Four-wheelers with a high cubic capacity engine invite higher premium rates than cars with a low cubic capacity engine. In addition, the Insurance Regulatory and Development Authority of India (IRDAI) announces the yearly third-party four-wheeler insurance premium rates based on the car's engine's cubic capacity.
Deductibles are the claim percentage amount that the policyholder pays from their pocket. The higher the deductible, the lower the premium as the insurer's liability proportion decreases. However, a high deductible indicates a significant claim portion to be paid yourself. Therefore, choose wisely.
7. Claim History
Policyholders who have not claimed in the past year can avail of the benefits of a No Claim Bonus (NCB) from Tata AIG. NCB is a discount the insurer offers on the renewal premium of the four-wheeler insurance plan. It increments each year. If you claim for less than five consecutive years, you can easily avail of a handsome 50% discount on your four-wheeler insurance premium.
8. Other Factors
Some other aspects affect the car insurance premium as well. Such factors include the following:
- The owner's age.
- Make & model of the car.
- Location of the car's registration.
- Car variant.
- Modifications made to the four-wheeler.
- Any added security features.
Add-ons for MG Astor Car Insurance by Tata AIG
Add-on covers provide advantages that you can conveniently add to your four-wheeler insurance. These add-ons help enhance your car insurance during specific situations. Tata AIG gives you 12 such add-ons that you can add to your MG auto insurance.
1. No Claim Bonus Protection
The NCB protection coverage lets the policyholder file for a specific number of car insurance claims in a year while retaining their NCB discount. This add-on is a perfect pick for you if you want to file claims while not disturbing your NCB discount. However, remember there is a limit to the count of shares you can raise using this add-on. Also, the NCB protection coverage is only available with a comprehensive car insurance plan.
2. Roadside Assistance
Roadside assistance is an add-on that provides you with round-the-clock services. If you ever encounter a breakdown and require help, this add-on comes to the rescue. With this add-on, the insurer will send in a team of service providers to offer you mechanical services in any emergency. All you need to do is contact the insurer during the crisis.
3. Repair of Glass Fiber and Plastic Parts
There can be instances where you must repair the damaged glass, plastic parts, or fibre parts of your four-wheeler. This add-on allows these damaged parts to be repaired without brushing off your NCB discounts. However, one claim is offered per year against the comprehensive car insurance policy.
4. Daily Allowance
Your car might have an accident and require being sent to the garage for repairs. In such a scenario, the daily allowance add-on provides you with an amount for your commute without your car. Remember, the amount is payable only for 10 to 15 days, subject to the reason behind the car insurance claim.
5. Emergency Transport and Hotel Expenses
If your four-wheeler meets an accident that doesn't allow you to reach your destination, you can use this add-on. It pays for your overnight accommodation at a nearby hotel, and your travel back charges back home or to the closest place to your destination.
6. Key Replacement
This add-on pays for replacing your lost car keys in case they get stolen or lost.
7. Engine Secure
This add-on is beneficial as it offers protection for one of the most expensive car parts - the engine. If you reside in a flood-prone location, this add-on will help you file for engine replacement or repair charges. A comprehensive car insurance policy does not protect your four-wheeler's engine. Thus, this add-on can be handy in times of need. However, this add-on does not apply to old car engines subject to extreme wear and tear due to extensive use.
8. Tyre Secure
The secure tyre add-on helps cover the repair or replacement charges of the car tyre. This add-on only offers financial protection if the tyres suffer damage from accidents.
9. Consumables Expenses
The consumables expenses cover the repair or replacement expenses of the consumables that the four-wheeler loses during an accident. The consumables for this add-on include an oil filter, gearbox oil, air conditioner gas, nut & bolt, etc. Fuel cost, however, does not fall under the insured consumables.
10. Loss of Personal Belongings
One might suffer a loss of personal belongings in case of an accident. This add-on helps cover the loss of such damaged or lost belongings. The personal belongings that this add-on covers include items like clothes, CDs, audio tapes, video tapes, and others. Remember, this add-on does not cover personal belongings like credit cards, debit cards, watches, money, etc.
11. Return to Invoice
This add-on helps to cover the depreciation difference between the purchase price and the compensation amount when you file a theft or complete damage claim. Additionally, if the market witnesses a new car of the same model and make, Tata AIG reimburses the difference between the cost of the new model and the claim amount. We also pay for the road tax and the registration fee you spent on the insured car.
12. Zero Depreciation (Depreciation Reimbursement)
When you file an insurance claim against damages caused to your car, this add-on helps you get the reimbursement amount even for the depreciation on the car parts. Therefore, you can get the total insured sum with the depreciation deducted by using this add-on. However, this add-on can offer you benefits only for your first two claims. Also, this add-on is applicable only for comprehensive car insurance and own-damage car insurance plans.
Things Covered and Not Covered under MG Astor Car Insurance
|Things covered under MG Astor Insurance||Things not covered under MG Astor Insurance|
|Damages to third-party property and third-party death/injury||Normal wear and tear due to depreciation|
|Damages caused by accidents||Damages caused during driving without a driving licence|
|Damages due to natural calamities like earthquakes, floods, cyclones, etc.||Mechanical or electrical breakdown and consequential loss|
|Damages due to riots, vandalism or strikes||Damages caused by commercial usage of the bike|
|Theft, burglary or housebreaking damages||Damages caused by driving under the influence of alcohol, drugs or other intoxicants|
|Damages caused by terrorist activities||Damages due to racing activities, speed tests, and durability tests|
|Fire damages due to self-ignition, explosion or lightning.||Damages due to war or nuclear threats|
|Damages caused during transit||Damages caused outside the geographical location mentioned in the policy|
Why is it Important to Have Tata AIG for Your MG Astor Car Insurance?
When planning on buying a car, you perform in-depth research on the car's performance and features. Likewise, it would help if you did the same while purchasing four-wheeler insurance. Tata AIG brings along some exceptional benefits for everyone looking forward to insuring their car. In the section ahead, let us know the advantages of investing with Tata AIG regarding four-wheeler insurance.
- Tata AIG offers up to 75% discounts on four-wheeler insurance premiums when you make an online purchase. Therefore, with the ease of buying car insurance online, you also get exclusive deals.
- Tata AIG has 650 claim experts across the country to ensure a seamless claim process for its customers.
- Tata AIG flaunts a soaring high 98% claim settlement ratio for the financial year 2020-2021. Therefore, with TataAIG, you can ensure your four-wheeler with a reputed and trusted brand.
- With Tata AIG, you can avail of cashless car repair services across its vast network of 7,500 garages.
- The car insurance policies by Tata AIG offer third-party liability coverage.
- With your four-wheeler's own-damage cover insurance policy, we extend coverage for damages incurred by natural disasters, accidents, man-made disasters, etc.
- Tata AIG brings you 13 add-ons to further enhance your car insurance.
- With five consecutive no-claim years, policyholders can benefit from up to a 50% discount price on premiums.
- Car insurance renewal with Tata AIG is convenient and quick. With merely three steps, you can easily renew your insurance policy.
Overview - MG Astor Car Model
MG Astor is a car designed to accommodate five people comfortably. It is a handsome crossover tucked in with new-age equipment and impressive features. When it comes to driving dynamics, it impresses as well. MG Astor brings in an AI-based virtual assistant well integrated with the car's technology. Therefore, this is a beauty that every tech lover admires. This four-wheeler is future-ready for middle-class families, featuring Level 2 autonomous driving aids. Its cabin is well-designed to offer a premium feel to its riders.
MG Astor Price and Variants
Listed below are the automatic and petrol version variants of MG Astor and their ex-showroom prices.
|Astor Super CVT||₹13.48 Lakh|
|Astor Smart CVT||₹14.88 Lakh|
|Astor Sharp CVT||₹15.68 Lakh|
|Astor Smart Turbo AT||₹16.58 Lakh|
|Astor Savvy CVT||₹16.60 Lakh|
|Astor Savvy CVT Red||₹16.70 Lakh|
|Astor Savvy Turbo AT||₹18.23 Lakh|
|Astor Sharp Turbo AT||₹17.50 Lakh|
|Astor Style EX||₹10.32 Lakh|
|Astor Style||₹10.38 Lakh|
|Astor Super EX||₹12.00 Lakh|
|Astor Super||₹12.06 Lakh|
|Astor Smart EX||₹13.62 Lakh|
|Astor Smart||₹13.68 Lakh|
|Astor Sharp EX||₹14.56 Lakh|
Some Unique Features of MG Astor
- Power Steering
- Maximum Power - 138.08bhp@5600rpm
- Power Windows Front
- Anti-Lock Braking System
- Maximum Torque - 220nm@3600rpm
- Air Conditioner
- Transmission Type - Automatic
- Driver Airbag
- Steering Column - Tilt & Collapsible
- Passenger Airbag
- USB Charger - Front & Rear
- Automatic Climate Control
- Fog Lights - Front
- Alloy Wheels
- Rear Parking Sensors
- Front Suspension - MacPherson Strut
- Foldable Rear Seat - 60:40 Split
- Steering Type - Electronic
- Rear Suspension - Torsion Beam
Rivals of MG Astor Car
Mentioned below are the top rival cars of MG Astor.
- Hyundai Creta
- Toyota Urban Cruiser HyRyder
- KIA Seltos
- Volkswagen Taigun
- Force Gurkha
- Mahindra Scorpio Classic
- Maruti Suzuki Grand Vitara
- Mahindra Thar
- Skoda Kushaq
- Hyundai Venue N Line
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
Can I purchase add-on insurance covers for third-party-only plans?
No, the stand-alone third-party four-wheeler insurance plans do not provide the benefits of enclosing the add-on covers. The third-party car insurance plan can only provide insurance coverage for third-party liabilities like the death of a third person, third-party property damage, etc., caused by the insured car.
How can I effectively compare car insurance policies?
With Tata AIG, comparing several car insurance policies online can be done quickly in three steps. All you need to do is fill in the details of your four-wheeler and your contact details to fetch the insurance quotes. Once done, you can easily compare the received quotes of the car insurance plans and select the most suitable one.
How can I check my MG Astor car insurance status?
You can visit the Insurance Information Bureau (IIB) to check the status of your MG Astor car insurance.