MG Car Insurance

Protect your dream car with car insurance. Car insurance is a must if you want to secure your car and make it an investment instead of a liability. Tata AIG understands the dream of many Indians of owning a car and the effort behind its purchase. This is why we aim to provide the maximum possible coverage in our car insurance policy. Whether you are buying MG Car insurance for the first time or doing an MG auto insurance renewal for any MG car, the process of buying remains simple and convenient thanks to our all-digital purchase process. Visit our website and:

• Go to the All Products - Motor Insurance – car insurance page section. Select car insurance, and enter your car registration number. Where to look for your car registration number if you are doing this for the first time? The answer lies in your vehicle number plate or car documents. The registration number starts with the state code you reside in - MH for Maharashtra and the like.
• Click on Get Price for a new MG insurance policy or Renew for an MG auto insurance renewal.
• Fill out the form that appears on the screen for the respective option and enter the information requested, like your name, number, and email ID.
• Enter further details like car variant, the insured declared value (IDV), previous claim history, and any no-claim bonuses (NCBs) applicable.
• Demystifying what IDV and NCB are – IDV is the present market value of your car, and NCBs are no-claim bonuses/ discounts given on car insurance premiums for not making any insurance claims in the previous years.
• Once you submit the information, you will get various MG Car insurance quotes. Choose the type of MG insurance you want - third-party, own-damage, or comprehensive.
• You can also choose from our 12 add-ons/ riders that enhance the scope of protection to your MG Car insurance policy.
• After submitting the necessary details, you will get the MG Car insurance cost, aka the premiums payable for a renewal or new car insurance policy.
• Pay the amount on the screen and get a copy of the MG insurance policy in your mail inbox.

You can also use our free four-wheeler insurance calculator to calculate the premiums payable for your MG Car insurance policy.

Your MG insurance cost for a new MG auto insurance policy or an MG insurance renewal will depend on various factors that fluctuate, including -

The Insured Declared Value (IDV) of your MG car.

• The IDV is the current market or sale value of a vehicle. So, your IDV will depend on the variant of the MG car. For instance, if you have the MG Hector variant, whose sub-variants range between ₹13,00,000 to ₹17,00,000, your IDV will be the same. However, a year or two later after purchase, the IDV will drop. The applicable IDV of the vehicle will be payable under the car insurance policy during the car insurance claim settlement.
• The type of MG car insurance policy chosen – third party, own-damage, or comprehensive. The more features in a car insurance policy, the higher the premium prices.
• The age and variant of the MG car.
• The general rule is that the newer your vehicle, the higher the premiums; the older it is, the lower the premiums. Some variants are more expensive than others depending on the brand.
• The cubic capacity (cc) of your MG car engine - the general rule is the higher the capacity, the higher the premiums.
• Your age, your driving record, and the geographical location where you buy and drive the car. For instance, the car insurance cost can be higher in cities than in tier II and tier III towns/ cities due to prevalent factors like traffic, road infrastructure, and car maintenance costs.
• Any NCB benefits and discounts in car insurance premiums for buying MG car insurance online.
• Addition of safety devices like anti-theft locks, parking sensors, cameras, or modifications to the MG car like a painting, an engine change, wheel replacement, etc.

When you own an MG car, protecting it with the right car insurance is crucial. Tata AIG offers several policies designed to suit your needs, whether you're looking for comprehensive coverage or third-party car insurance. Here's a breakdown of the options available:

• Comprehensive Car Insurance

The comprehensive car insurance policy from Tata AIG provides extensive coverage for your MG car, including damage caused by accidents, theft, fire, and natural disasters. It also covers third-party liabilities, so you're fully protected in any unforeseen situation.

This policy doesn’t cover damages if the driver is under the influence of alcohol or drugs or if the damage occurs in restricted areas like war zones. Make sure to consider these exclusions while reviewing your MG car insurance quote.

• Coverage: Own car damage, third-party liabilities, theft, fire, natural disasters

• Not Covered: Damage due to drunk driving, accidents in restricted areas

• Premium Range: Varies based on IDV, MG car insurance price, add-ons, and more

• Stand-Alone Own Damage (SAOD) Insurance

If you're more interested in protecting just your MG car against damages, the Stand-Alone Own Damage (SAOD) policy could be a great choice. It covers damage from accidents, theft, fire, and natural calamities but does not cover third-party liabilities. You'll need to get a separate third-party vehicle insurance policy for that.

• Coverage: Own car damage due to accidents, theft, fire, and natural disasters

• Not Covered: Third-party liabilities, drunk driving

• Premium Range: Depends on your MG car insurance price, vehicle insurance calculator, and selected add-ons

• Stand-Alone Third-Party Car Insurance

This third-party car insurance is a legal requirement in India and protects you if your MG car causes damage to someone else’s property or vehicle. While it provides financial protection for third-party damages, it does not cover your MG car or personal accident injuries, which can be added separately.

• Coverage: Third-party vehicle/property damage, legal liabilities

• Not Covered: Own car damage, personal accident cover (unless added as an add-on)

• Premium Range: Determined by IRDAI and the specifics of your vehicle and location

Tata AIG provides various add-ons to enhance the coverage for your MG car, ensuring comprehensive protection against a range of risks and events. These add-ons are designed to help you manage unforeseen expenses while maximising the benefits of your policy. Below are the key add-ons available for your MG car insurance:

• Return to Invoice Cover

The Return to Invoice add-on ensures that in case of a total loss or theft of your MG car, you are reimbursed for the original purchase price of the vehicle, including registration charges and tax payments, instead of just the Insured Declared Value (IDV).

• Zero Depreciation Cover

With the Zero Depreciation cover, Tata AIG reimburses you for the replacement costs of the damaged parts without factoring in depreciation. This ensures that the repair or replacement cost is fully covered, helping you avoid paying out-of-pocket for parts like bumpers, tyres, and glass.

Note: This feature is not available with third-party insurance.

• No-Claim Bonus Protection

The No-Claim Bonus Protection add-on ensures that even if you make a claim during the policy year, your No Claim Bonus (NCB) remains intact. This helps maintain lower premiums at renewal.

Note: This feature is not available with third-party car insurance.

• Repair of Glass, Fibre, and Plastic Parts

This add-on covers the repair costs of glass, fibre, and plastic parts of your MG car in case of damage due to an accident. However, this cover is typically applicable for repairs, not replacements, and is available once per policy period.

• Engine Secure Rider

The Engine Secure rider covers the repair or replacement of your MG car's engine if it's damaged due to water ingress or oil leakage. This coverage excludes general wear and tear and is intended for accident-related damage only.

• Daily Allowance Cover

This cover provides daily cash allowance for alternative transportation while your MG car is under repair due to an insured event. This daily allowance helps manage travel costs during the repair period.

• Roadside Assistance Cover

The Roadside Assistance add-on ensures that your MG car is supported with 24x7 mechanic services for emergencies, such as breakdowns, flat tyres, or battery issues. This service provides prompt assistance in remote locations away from your residence.

• Key Replacement Rider

The Key Replacement rider covers the cost of replacing lost or stolen car keys and the associated lock replacement costs if your keys or MG car are stolen.

• Tyre Secure

The Tyre Secure rider covers the repair or replacement costs of damaged tyres or tyre tubes following an accident, ensuring that the cost of tyre damage is fully reimbursed.

• Consumables Expense Cover

This rider covers the cost of consumables like engine oil, lubricants, brake fluids, and other small parts that are replaced after an accident, ensuring that these costs are also covered under your policy.

• Loss of Personal Belongings Cover

The Loss of Personal Belongings cover reimburses the cost of personal items like mobile phones, bags, or other belongings inside the vehicle that are damaged or stolen during an accident.

• Emergency Transport and Hotel Expense Cover

This cover provides reimbursement for hotel accommodation and transportation expenses if your MG car is immobilised after an accident. It ensures that you have a place to stay and can travel to your destination while your car is under repair.

Buying MG car insurance online offers convenience and flexibility, allowing you to easily find the most suitable cover for your vehicle. Here are some of the key benefits:

• Quick and Easy Access to Quotes:- You can obtain an MG car insurance quote with just a few clicks, making it easy to compare policies and choose the most appropriate one for your needs.

• Competitive Pricing:- Purchasing MG car insurance online often gives you access to better deals and discounts, ensuring that you receive the best MG car insurance price available.

• Customisation with Add-ons:- When you buy online, you can easily customise your policy with add-ons like Zero Depreciation car insurance, roadside assistance, and other options, enhancing the protection for your vehicle.

• Simple Renewal Process:- Renewing your MG car insurance online is straightforward and efficient. You can quickly pay your MG car insurance renewal price and have your policy updated without delay.

• Instant Access to Policy Documents:- After purchasing MG car insurance online, you can instantly download your policy document, ensuring you have immediate access to it when needed.

• Efficient Claims Processing:- The online claims process allows you to file and track your claims with ease, ensuring timely support when required.

When you choose Tata AIG for MG car insurance, it's important to know exactly what’s covered and what isn’t. Here’s a clear breakdown:

In today’s time, there isn’t a dearth of insurance providers. So why should you consider us? Because we honour the promise and its motto of ‘Trusted Naam, Fantastic Kaam’ by fulfilling the changing needs of its customers over the years can seem like a tall claim.

We have maintained our performance over the years, and here is what our customers have to say:

• Tata is a homegrown Indian brand and a household name in India. We have decades of goodwill and industry expertise to our name.
• We have a customer-first approach and prioritise a seamless user experience in all our processes – whether it is buying, renewal, or claim settlement.
• We have a network of knowledgeable 650+ claim experts offering round-the-clock and prompt services and taking care of over 5 million customers.
• Our network of 7,000+ garages reaches both rural and urban areas.
• We value our customers by giving 50% discount on no-claim bonuses and up to 75% discount on car insurance premiums.
• We offer up to 12 riders to enhance the scope of protection of your MG insurance.

Filing a claim with Tata AIG is straightforward. Follow these simple steps:

• Step 1: File a claim:- Call Tata AIG at 022 6489 8282 or visit the Claims Support page on the website to submit the necessary information. After registering your claim, you will receive a self-inspection link on your registered mobile number.

• Step 2: Inspection:- Using the self-inspection form, provide details about the damage to your car via your smartphone or tablet. Additionally, your vehicle will be inspected by an authorized surveyor appointed by Tata AIG.

• Step 3: Mode of repair:- You can choose between a cashless claim at any Tata AIG network garage or opt for reimbursement if you prefer repairing at a non-network garage.

• Step 4: Documents needed:- Keep ready essential documents such as the completed claim form, FIR (where applicable), policy documents, identity proof, and address proof to ensure smooth processing.

• Step 5: Track your status:- Once your claim is submitted, you can track its progress online using Tata AIG’s portal or app.

• Step 6: Claim settlement:- Tata AIG will verify your claim against the policy terms. After approval, the claim amount will be settled promptly, ensuring you receive the necessary financial support.

When filing a claim for your MG car insurance in India, these are the standard documents you will need. Depending on your claim type, additional documents may be required, so it is advisable to confirm with Tata AIG customer support.

• Duly filled and signed claim form by the insured.

• Verified copy of the First Information Report (FIR) for theft or accident claims.

• Vehicle Registration Certificate (RC) copy.

• Driver’s licence copy of the person driving at the time of the incident.

• Car insurance policy documents.

• Accident photographs to support reimbursement claims.

• Repair bills and receipts for reimbursement claims.

• For theft claims, a No Trace Report issued by the police is mandatory.

• For personal accident claims, hospital or medical documents are required.

• Signed RTO transfer papers, including Form 29 and Form 30, for ownership transfer (applicable in second-hand car purchases). Form 28 may be needed if a No Objection Certificate (NOC) is required.

• NOC and Form 35 from the lender if the car has an active loan.

Downloading your MG car insurance policy with Tata AIG is quick and convenient. After purchasing your policy online, you can easily access your documents anytime.

• Visit the official Tata AIG website at www.tataaig.com.

• Click on the ‘Self-Service’ option on the homepage.

• Log in using your registered mobile number, email ID, or policy number.

• Navigate to the ‘Policy Download’ section.

• Enter your policy number or vehicle registration number to retrieve your MG car insurance policy.

• Click on ‘Download Policy Document’ to save a PDF copy. You can also opt to receive the policy via your registered email or WhatsApp if enabled.

• For renewals, download the updated policy separately after payment using the same process.

• If you cannot access the portal, call Tata AIG’s customer support number 022 6489 8282 or email customersupport@tataaig.com to request your policy document.

This digital process ensures easy access to your Tata AIG MG car insurance policy whenever you need it.

If you purchase a second-hand car without an active insurance policy, it’s important to buy MG car insurance right away. In India, car insurance is legally required, and driving without it is not advisable. Here's how you can buy MG car insurance online for your second-hand vehicle:

• Visit Tata AIG’s website and go to the car insurance page.

• Enter your second-hand car’s registration number (ensure it’s registered in your name).

• Click ‘Get Price’ to obtain an MG car insurance quote for your second-hand car.

• Fill in your personal details like email and mobile number.

• Provide the Insured Declared Value (IDV) for your car.

• Choose the type of car insurance plan you prefer—comprehensive car insurance, third-party vehicle insurance, or standalone own damage car insurance.

• After selecting, click ‘Get Price’ to receive your MG car insurance quote.

• Proceed to make the premium payment online and complete the policy purchase.

• The MG car insurance policy will be sent to your email and WhatsApp (if selected).

By choosing Tata AIG car insurance online, you can get your car insurance renewal sorted quickly and enjoy competitive premiums.

The MG cars or Morris Garages cars are British-made. MG cars have almost a century of experience in the automobile industry. The MG cars have four variants – the MG Hector, MG Astor, MG ZS EV, and MG Gloster. The MG Hector was one of the first MG cars launched in India in 2017. The MG brand was famous for its sports cars and mini cars. However, MG expanded to make SUVs and other models. Some of the most esteemed features of the MG cars include its internet connectivity features, its tech infotainment system, its lithium-ion powered batteries, smooth and powerful engine performance, and its plush interiors.

MG cars are available in four variants and multiple sub-variants. The variants and sub-variants have different colours, designs, transmission options, and features. The variants of the MG cars run on petrol and diesel, and the car is available both in manual and automatic transmission options. The variants include – MG Hector, MG Astor, MG ZS EV, and MG Gloster. It is available in 10+ colours – including red, blue, silver, black, grey, white, and others. The MG car price range starts from ₹10,00,000 and goes up to around ₹40,00,000. Here are the MG car variants and their ex-showroom price:

**MG Hector **

The MG cars pack powerful features. Here are some unique selling points of the MG cars:

• Full digital cluster and infotainment system
• Satin chrome highlights that extend to the door handles
• Soft-touch dashboard and leather steering wheel
• Full LED hawk eye headlamps
• ISOFix child anchor
• Heated ORVM
• ABS + EBD + Brake Assist
• Electronic stability program
• 35+ Hindi & English (Hinglish) voice commands understood
• Inbuilt JioSaavn music app
• Speed assist system and intelligent headlamp control
• Lane departure prevention system
• India’s first car with a personal AI assistant
• Rear drive assist and forward collision assist
• Adaptive cruise control
• Turbine-inspired alloy wheels (in the MG Astor)

The MG line-up of cars is some of the most popular British-Chinese cars to circulate the Indian market. However, it is not free from competitor brands. The most well-known rivals of the MG cars are:

• Tata Safari
• Tata Harrier
• Hyundai Alcazar
• Kia Carens
• Honda City Hybrid
• Toyota Fortuner
• Hyundai Creta
• Toyota Innova Crysta
• Skoda Kushaq
• Kia Sportage
• Jeep Compass
• Hyundai Tucson