MG Car Insurance

• Mandatory Legal Requirement: The Motor Vehicles Act 1988 makes it mandatory for drivers to have at least third-party insurance to drive any MG car legally. Getting caught without valid insurance results in fines from ₹2000 to ₹4000, up to 3 months' jail, or both.
• Cover Against Damages: While driving, your MG car is exposed to a multitude of risks, including collisions, adverse weather, road hazards, natural disasters like floods and typhoons, and events like riots and strikes. A car insurance policy covers a wide range of risks.
• Expensive Repair Costs: With MG car prices as high as ₹81 lakhs and a limited number of authorised dealers, repair costs can be substantial. Replacing damaged parts can cost a majority of the car’s original purchase price, making insurance necessary.
• Accidents Happen: Road accidents are quite common in India, with 4.8 lakh accidents reported in 2023 by MORTH. With car accidents continuing to increase across the country, having car insurance is advisable as it covers repair and replacement costs.
• Third-Party Coverage: If your MG car causes an accident, you could be held legally responsible. The resulting legal costs and liability upon settlement can deplete your finances. Having third-party or comprehensive MG insurance covers these costs.
• Personal Accident Cover: Road accidents are a leading cause of death in India, with 1.72 lakh fatalities reported in 2023. An MG car insurance plan provides personal accident cover to support the owner-driver’s family members in the event of death or disability.

• Third-Party Car Insurance

View Plan

• Standalone Own Damage Car Insurance

View Plan

• Comprehensive Car Insurance

View Plan

• Zero Depreciation Car Insurance

View Plan

• Usage-Based Car Insurance

View Plan

• Instant Online Policy: Our simplified processes make it easy to buy car insurance in minutes without any physical paperwork. As soon as you pay, we deliver the policy instantly to your email. You can also check the car insurance online status with a click.
• Competitive Premium Rates: Our car insurance premium rates start as low as ₹2,094 per year. You can save up to 85% on online purchases, with special discounts for automobile associations, anti-theft devices, vintage cars, etc.
• Personalisation Options: Choose from multiple types of MG insurance policies, tenure options and bundled plans. We also offer 8+ add-on covers that allow you to enhance your base plan.
• Cashless Garage Network: We offer an extensive network of 6301+ cashless garages across the country, including every major city. This lets you get quick, cashless repairs for your MG car, no matter where it’s damaged.
• Hassle-free Claims: Our claim process is user-friendly, fast and paperless. We also offer multiple channels to file claims, including our mobile app, claims portal and 24/7 claim support helpline (022 6489 8282).
• No Claim Bonus: Every year you don’t file any car insurance claims, you get a premium discount upon renewal, starting at 20%. With the best MG car insurance, your No Claim Bonus goes up to 50% in 5 claim-free years.
• Round-the-Clock Assistance: If you are ever struck with any issue or require help during an emergency, you can access our 24/7 customer support. We have a team of 750+ claim specialists to ensure quick settlements.
• Easy Online Comparisons: Before making a purchase, make detailed comparisons on our website or app. When you modify the coverage and include add-ons, you can view the cost breakdown in the purchase window to make an informed decision.

Inclusions

• Loss or damage due to an accident by external means
• Damage from fire-related incidents, explosions, or lightning
• Compensation up to the Insured Declared Value for theft
• Damage from floods, earthquakes, storms, and other natural calamities
• Damage from riots, strikes, terrorist attacks and other malicious acts
• Third-party property damage, injuries and fatalities
• Damage while your car is transported via road, rail, air and other means
• Personal accident cover for injuries or the death of the owner-driver

Exclusions

• Damage from wear and tear, depreciation, consequential loss, mechanical or electrical breakdown
• Any damage incurred while the driver is under the influence of drugs or alcohol
• When the insured private car is used for commercial purposes
• Damage while driving without a valid driving licence
• Damage from reckless activities like speed racing and crash testing
• Loss, damage or liability incurred outside the policy’s geographical area
• Loss or damage due to war, invasion, act of foreign enemies or nuclear attacks

TATA AIG offers 8+ car insurance add-ons that let you enhance your base plan. The full list can be found on our add-ons page. Here are the most popular add-ons for MG cars:

• No Claim Bonus Protection Cover: Lets you make a single own damage claim in the policy period without depleting your accumulated No Claim Bonus.
• Consumable Expenses: Covers small items and consumables used during repair for an accident. It includes screws, nuts and bolts, engine oil, lubricants, distilled water, oil filter and other consumables.
• Daily Allowance Plus: Provides a hire car or a daily cash allowance for alternative transportation when your MG car is under repairs for an own damage claim.
• Return to Invoice: Helps the policy cover the full invoice value of your MG car, including the cost of accessories, bi-fuel kit, registration fees, road tax and insurance charges.
• Vehicle Loan Protector: Covers the cost of a loan against the insured vehicle in the event of the policyholder’s death or permanent total disability.

Buy an Online Policy in 4 Steps

A user-friendly process to get quick car insurance within a few minutes:

1. Enter the Registration Number: Scroll up and enter your car registration number and click on ‘Get Price’.

2. Provide a Few Details: Enter a few personal and MG car-related details as required.

3. Select the Coverage: Add or modify coverage details and add-ons that you want to include.

4. Pay the Premium: Check the MG car insurance quotes based on your inputs. Pay the premium online to make the purchase.

1. Go to My Policy: Find the ‘My Policy’ menu at the top right corner of this page.

2. Sign in: Click on ‘Login’ and enter your registered mobile number, and sign in using the OTP.

3. Go to Policy Download: Go to the ‘Policy Download’ section and enter either your MG car registration number or existing policy number.

4. Save the Documents: Click the download button or send a copy of your online car insurance to your email address.

How to Raise a Claim

Raising a claim with TATA AIG for your MG car is straightforward:

1: Log in to your TATA AIG account or go to the Claims Portal and fill out the online claim form to initiate a new car insurance claim.

2: You will receive a link on your registered mobile number. Open it and fill out the damage details, including photos and videos for self-inspection. We may also send a surveyor to complete the vehicle inspection process.

3: For cashless claims, take your MG brand vehicle to the nearest TATA AIG network garage. For reimbursement claims, pay the repair bills and file a reimbursement claim.

4: Submit the required documents based on the type of claim you have filed. This includes car RC, driving licence, repair bills, and payment receipts.

5: After approval, we will settle your bills directly with the network garage or send the reimbursement amount to you if the garage is non-network.

Documents Required

Here is a generic list of the documents you would need to file the claim:

• Duly filed and signed claims form
• Copy of policy documents
• Car registration certificate
• Driving licence of the driver during the incident
• Garage repair estimate
• Self-inspection photos or videos
• Original payment bills and receipts
• All original keys of the MG vehicle
• Identity and address proof
• FIR or police report (for major damage, third-party and theft claims)
• Other documents like NOC, medical bills, court notices, etc.

Our simple and user-friendly calculator lets you estimate the cost of your chosen MG car insurance plan. To use the calculator, first enter your car registration number and click on ‘Get Price’. Then enter the following details to calculate your premium cost:

• Insured Declared Value (IDV) of your MG car
• Car’s make and model
• Previous policy type and insurer details
• Policy number, NCB and other details
• Any add-ons that you want to include

Calculate Now

Disclaimer: The MG car price varies based on location, variant, time of purchase and other factors. The third-party premium price is fixed based on the model’s or variant’s engine/battery capacity and fuel type (electric/non-electric).