Mahinda Xylo Car Insurance

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Mahindra Xylo Insurance

Car Insurance for Mahindra Xylo

Mahindra Xylo is a tough Multi-utility Vehicle (MUV), having practical features and design elements. The excellent engine performance allows you to tackle all road conditions without compromising your ride comfort. But when you buy a Xylo, it will require car insurance before you get behind the wheels. Read on to know the Xylo insurance price, policy features, and the benefits of buying a plan online.

Benefits of buying online car insurance for Mahindra Xylo

Purchasing car insurance online for your Mahindra Xylo results in the following advantages.

Compare policies

To purchase a relevant insurance plan for your Mahindra Xylo car, you need to look at different policies. The process of comparing policies becomes easier online. The digital platform lets you analyse various insurance plans based on their features, benefits, prices, etc.

24x7 availability

The online platform gives you 24x7 access to the Mahindra Xylo car insurance. You can buy or renew policies at any time using your smartphone. The online policy purchase/renewal process requires very basic details of your vehicle along with previous policy information (if applicable).

Easy procedure

Online car insurance does not require vehicle pre-inspection at the time of purchase if there are no gaps in the policy. So, instead of scheduling appointments, you can visit the online portal or mobile app and buy a policy for your Xylo instantly. The process is almost similar for renewing a policy as well.

Types of car insurance plans for Mahindra Xylo

There are two types of Xylo insurance plans you can choose from.

Third-party Liability Plan

Every car needs to have a Third-party Liability plan mandated by the government under The Motor Vehicles Act, 1988. You will have to pay penalties if you are caught driving a vehicle without at least a Third-party Insurance plan. This type of insurance policy creates financial safety if your car causes an injury, death or property damage to a third party. However, the coverage is limited to third-party damages only. The policy offers no insurance coverage against the loss, damages or theft of the insured Xylo.

Comprehensive Insurance Plan

A basic Comprehensive Insurance policy provides third-party insurance cover and Own Damage (OD) cover altogether. However, you can extend the coverage with car insurance add-ons that align with your insurance requirements by adjusting the Xylo car insurance price. Hence, the policy becomes capable of safeguarding your Xylo against accidental damages, man-made/natural disasters, fire or explosion, car theft, and additional coverages based on the purchased add-ons.

What’s covered in Xylo car insurance? (Inclusions)

Here are all the inclusions of a Mahindra Xylo car insurance plan when you choose a Comprehensive policy. 

  • Coverage against third-party injury or death

  • Coverage against third-party property damages

  • Coverage against the accidental damages to your Xylo

  • Coverage against damages caused by calamities (both natural and man-made)

  • Coverage against theft of the Xylo

  • Coverage against damages due to fire or explosion

  • Others based on add-ons you purchase

Important: A Personal Accident or PA cover is mandatory for every vehicle owner. However, a Third-party or Comprehensive Insurance plan does not include PA cover. This is why you will have to purchase it separately as an add-on. A PA cover insures the policyholder against death or permanent/temporary injuries as a result of an accident. 

What’s not covered in Xylo car insurance? (Exclusions)

Your Mahindra Xylo insurance won’t offer any coverage in the following situations.

  • Driving the Xylo for illegal racing

  • Neglecting traffic laws while driving

  • Driving when you are intoxicated 

  • Driving without valid vehicle documents

  • Damages due to mechanical or electrical problems

  • Damages due to regular wear and tear

  • Damages that occur outside the pre-defined geographical limits as per the policy

  • Any claim raised when the policy is inactive

Add-ons for Mahindra Xylo insurance

Add-ons are the additional covers you can purchase with your policy by customising the Mahindra Xylo insurance amount. Here is a list of add-ons you can select from


ACKO makes it easy for you to purchase or renew car insurance online and raise claims instantly. Below are the benefits of buying Mahindra car insurance at ACKO.

Zero paperwork

ACKO operates on a 100% digital infrastructure and requires no physical paperwork to purchase or renew car insurance. The online method requires only a few necessary vehicle details and previous policy information (if applicable) to buy/renew insurance.

Low-cost policy

The direct-to-customer approach at ACKO removes the need for insurance agents. Hence, you don’t have to worry about commissions given to middlemen that usually increase the prices of policies. As a result, you get a reasonable car insurance quote.

Pick-up and drop facility

In select cities, ACKO arranges free vehicle pick-up and drop for repair claims. For minor damages, we try to get the repair done within 3 working days and deliver it to your doorstep. However, the repair duration depends on how complex the damages are.

ACKO’s claim process

The claim submission process at ACKO involves the following three simple steps.

  • Step 1: Log in to your account at ACKO’s online website or mobile application.

  • Step 2: Scroll to find your Xylo policy card and select ‘Claim’.

  • Step 3: Upload Xylo images to reveal the damages, answer damage-related questions and submit your claim.

The claim settlement team will get back to you for a detailed understanding of the damages. Usually, the settlement process for minor claims takes not more than a couple of hours. But a claim settlement for severe damages may take around three or more working days.

Frequently Asked Questions

Below are a few common questions related to Xylo insurance with ACKO.

How can I purchase an ideal policy for my Mahindra Xylo?

ACKO provides Third-party car insurance online as well as Comprehensive Insurance for Mahindra Xylo. A Comprehensive Insurance policy includes Own Damage cover along with Third-party Liability cover. It also allows you to purchase add-ons for extended coverage and services. Thus, a Comprehensive policy is considered ideal for Xylo. 

How can I renew my Mahindra Xylo insurance at ACKO?

Car insurance renewal is a 100% digital process at ACKO. The official mobile app and website provide 24x7 access to ACKO’s plans. You can select a policy, enter vehicle information and add details of the previous plan to renew instantly. 

What are the best-suited add-ons available at ACKO for a MUV like Xylo?

When buying add-ons with your Xylo insurance, you can benefit from Engine Protection cover, Roadside Assistance cover, Zero Depreciation Car Insurance cover, etc. Make sure you purchase Personal Accident or PA cover (mandatory by law) as an add-on for your policy.

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.