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The Mahindra Thar is an excellent off-road vehicle and is known for its solid build quality, high-end features and premium interiors. For a well-designed off-road SUV, the Mahindra Thar needs robust car insurance to protect against unforeseen liabilities. Read on to learn about the benefits of Mahindra Thar Insurance, the claim procedure and answers to frequently asked questions.
Liabilities such as damages due to fire, flooding or in case your Thar is stolen, the comprehensive insurance plan will offer financial coverage to cover your losses. While the Mahindra Thar is priced at an accessible price point, it does cost you money and requires robust car insurance to protect you against financial loss. The Comprehensive Car Insurance Policy for a capable SUV such as the Mahindra Thar is an excellent choice to avoid financial losses.
The following are the two types of car insurance for your Mahindra Thar SUV:
It provides coverage against liabilities to third party life and/or property. It is also mandatory as per The Motor Vehicle Act.
It covers both third party liability and Own Damage cover. You also have the option to select several car insurance add-on covers to enhance the standard insurance plan.
|Comprehensive Car Insurance
|Third-Party Car Insurance
|Losses to third party life and/or property
|Losses/Damages to the insured Mahindra Thar
|Coverage towards Man-made Calamities (vandalism, riots, etc.)
|Coverage towards Natural Calamities (floods, earthquakes, etc.)
|Theft of the Mahindra Thar
|Personal Accident cover (PA) for policyholder
|Modify/Choose Insured Declared Value (IDV)
While the Third-party Car Insurance Policy covers third party property and/or life, it is the Comprehensive Car Insurance Policy for the Mahindra Thar which not only includes the third party liabilities, it also offers coverage for the insured vehicle with the following benefits:
The owner-driver is covered with the Personal Accident Cover.
Coverage for damages to the insured Mahindra Thar with Own Damage (OD) cover.
Coverage against man-made and natural calamities such as vandalism, riots, floods, earthquakes, storms, etc.
Losses due to an explosion or fire.
Below are the limitations or exclusions under the Mahindra Thar insurance:
Driving the Mahindra Thar without a valid or permanent Driving Licence.
Mechanical or electrical breakdowns.
Driving the insured vehicle under the influence of alcohol or other intoxicating substances.
Losses or damages caused outside the specified area as stated in the policy.
Wear and tear of motor parts of the insured vehicle.
Below are the various car insurance add-on covers that you can choose to include it along with the comprehensive plan:
Claim settlements will be without deducting depreciation of the motor parts being replaced.
Protect the NCB even if you file a claim during the policy period.
Protect your Mahindra Thar’s engine in case of damages to the engine due to water ingression or oil leakage.
In case of a total loss, get the claim settlement based on the invoice value of the Mahindra Thar.
Get assistance in case of a breakdown due to tyre puncture, low fuel, emergency towing in case of an accident, etc.
Get compensation for consumables utilised while repairing the insured Mahindra Thar SUV.
Protect your high-end stereo system and other high-value accessories in case of damages due to an accident.
ACKO is a digital-first, new-age insurance company which caters to customers through the online mode. Here are some of the reasons why you should buy ACKO car insurance for your Mahindra Thar SUV:
Buy, renew or file a claim, the entire process is online without the need for physical paperwork making the process quicker than the traditional method.
With no paperwork, the entire process of filing a claim for the settlement is online making it quicker and easier to follow and get compensation for the claim.
Be it while buying, renewing or while raising a car insurance claim, and for any queries, you can reach out insurance experts who are trained to offer a faster resolution to your problems or questions.
Avail cashless service by option for repairing your car at any ACKO network garage situated across the country.
ACKO will pick up your car and get it repaired at any of the network garages of your choice. Once it is repaired (maximum turn-around time is 3 days), the car will be delivered back to you.
Mentioned below are the steps to file a claim with ACKO:
Step 1: Visit the website ACKO.com or mobile application.
Step 2: Log in to your account and click on ‘Claims’.
Step 3: File the claim by uploading photos of the damages to your Mahindra Thar.
Step 4: In the case of minor damages, get an instant settlement and get your vehicle repaired at a garage of your choice.
Step 5: In the case of major damage, a surveyor will assess the damages, and you can choose from any of ACKO’s network garage for cashless claims.
Mentioned below are answers to frequently asked questions about the Mahindra Thar car insurance:
The process of renewing Mahindra Thar car insurance online is by logging into your account and selecting the policy for the respective vehicle. Click on renew, pay the premium online and receive the policy to your email account instantly.
Apart from the Zero Depreciation/Bumper-to-Bumper add-on cover, you need to consider buying add-ons such as Roadside Assistance, Invoice Protection, NCB Protection, Engine Protection, etc. to make the standard Comprehensive plan more exhaustive.
Through ACKO.com you do not require physical copies of the documents required to renew motor insurance. However, you need the soft copies of the following to renew the policy if you are new to ACKO:
Existing car insurance policy
Through ACKO.com, you need to log in to your account, click on ‘Claim’ to raise a claim against the Mahindra Thar insurance policy. You will have to submit or upload pictures of the damages to your insured Thar. ACKO will instantly settle the claim if the damage is minor. If the damage is major, a surveyor will inspect the car for the extent of damage, and take it to any of the network garages for a cashless claim experience. You can also opt for the reimbursement method wherein you inform ACKO and file the claim before you begin the repair. Once, you have repaired the car, you need to submit the invoices along with supporting documents for ACKO to review and settle the claim.
No, Mahindra has added the petrol engine in the second-generation Mahindra Thar. You can buy either the diesel or the petrol-powered engine for the Mahindra Thar. You also have the option to select between manual and automatic gearbox in both petrol and diesel variants.
Digital insurers such as ACKO provide cashless claims by getting your Thar repaired at any of the network garage situated across the country. If you choose a non-network garage to repair your vehicle, you can raise a claim for the reimbursement of the repair bill against your car insurance policy.
While the premium for your Mahindra Thar car insurance is based on the value of the vehicle, you can reduce the price by installing anti-theft devices, or you could become a member of an association affiliated to automobiles such as the Western Automobile Association of India and the Automobile Association of India.
Yes, you can buy Mahindra Thar insurance online which is safer and faster means of insuring your vehicle. ACKO is licensed and registered by the Insurance Regulatory and Development of India to sell motor insurance in India. When compared to the traditional method of filling a lot of paperwork, online car insurance does not require the submission of physical documents to insure your vehicle. Simply upload the soft copies of the RC and enter a few details of your Thar and you insure the vehicle instantly and receive the policy to your email account immediately.
While calculating the insurance premium, the cost of the car, the year of manufacture and the location of the vehicle is required to arrive at the final cost of the insurance policy. You can get affordable or low-priced insurance for your Thar by choosing a digital insurance company such as ACKO. We do not believe in middlemen to sell insurance. We have digitised our processes and reduced our cost on our operations thereby offering low-priced car insurance. Since we do not employ agents and pay them to sell vehicle insurance, we are able to pass on the benefit to you. This helps in reducing the cost of insurance for cars and bikes.
A good car insurance policy should be able to provide a wider coverage at a lower premium. However, that should not be the only criteria. You should research the post-sales services provided by the insurer and how fast they settle the claim. Additionally, a good insurance plan should be able to provide financial coverage in case of damages to your vehicle as well as third party liabilities. Also, the insurance company should also be able to provide good customer support for any queries or while settling claims during the policy period.