Mahindra Car Insurance

So you own a Mahindra Car? Hats off just to that!

Planning to renew the insurance of your good old Mahindra Bolero  or looking for the best car insurance for your brand new Mahindra XUV500 – you’ve landed in just the right place.

Let’s dive into the car insurance basics for your Mahindra car.

Understanding Mahindra Car Insurance

Must-know Coverage for Your Mahindra Car

You can get following kinds of insurance policies for your Mahindra Car:

Third-Party Car InsuranceComprehensive Car Insurance
Only covers third-party injuries and damages, and not those to your own vehicle.Gives third-party policy + coverage for losses and damages to your own car
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Mahindra car?
Additional coverage like bumper-to-bumper cover, engine protector is NOT available.Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.

Why You Should Insure Your Mahindra Car?

Most Mahindra cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:

  • Be sure that you’re rightfully compensated if your Mahindra car was stolen or damaged beyond repairs.
  • Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
  • Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
  • Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!

Good-to-Have Insurance Add-ons for Mahindra Cars

  • Zero Depreciation Cover:

Irrespective of the model of Mahindra you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

  • Return to Invoice Cover:

So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.

  • Engine Protector Cover:

A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover you could claim for those damages too. Whether you own a high-end car like Mahindra Xylo or Mahindra XUV 500 or regular hatchback like Mahindra Verito Vibe, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.

  • No-claim Bonus Protector Cover:

If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Mahindra cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.

  • Passenger Cover:

This personal accident cover for passenger is a must-buy for any Mahindra car owner. A lower end model of Mahindra may not come with safety features like airbags or child safety locks. If you use your Mahindra car to drive your family on a daily basis, it makes sense to buy this add-on.

A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Mahindra you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things a Car Insurance Covers For Any Mahindra Car

  • Personal accident coverage for owner-driver
  • Accident-related damages to your car
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen car

Things a Car Insurance Does Not Cover For Any Mahindra Car

  • Wear and tear caused over the years [including flat tyres]
  • Losses caused when the car was driven without a driving license
  • Damages caused when the car was being driven under the influence of alcohol
  • Driving outside the geographical limits
  • If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Mahindra Insurance

How can I renew my Mahindra Insurance online?

Your Mahindra Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered

The car insurance of my Mahindra Bolero has already expired. Is vehicle inspection mandatory?

Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.

Is an online insurance policy valid for car?

Of course it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

How do I get no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.

At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.

All vehicle Type NCB Grid% of discount on own damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive car insurance?

The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Mahindra car.

Models Manufactured by Mahindra: Which One Do You Drive?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Mahindra NuvoSportN6149317.451002220875,000 to 936,250
Mahindra NuvoSportN4149317.451002220765,000 to 818,550
Mahindra NuvoSportN4 Plus149317.451002220805,000 to 861,350
Mahindra NuvoSportN6 AMT149317.451002220941,000 to 1,006,870
Mahindra NuvoSportN8149317.451002220954,000 to 1,020,780
Mahindra NuvoSportN8 AMT149317.4510022201,015,000 to 1,086,050
Mahindra KUV100K2- Petrol119818.158218751,198,000 to 1,281,860
Mahindra KUV100K2 Plus -Petrol119818.15821875498,000 to 532,860
Mahindra KUV100K4- Petrol119818.15821875516,000 to 552,120
Mahindra KUV100K4 Plus- Petrol119818.15821875538,000 to 575,660
Mahindra KUV100K6 - Petrol119818.15821875575,000 to 615,250
Mahindra KUV100K6 Plus- Petrol119818.15821875598,000 to 639,860
Mahindra KUV100K8- Petrol119818.15821875631,000 to 675,170
Mahindra KUV100K2 -Diesel119825.32771875561,000 to 600,270
Mahindra KUV100K2 Plus -Diesel119825.32771875583,000 to 623,810
Mahindra KUV100K4 -Diesel119825.32771875601,000 to 643,070
Mahindra KUV100K4 Plus -Diesel119825.32771875624,000 to 667,680
Mahindra KUV100K6 -Diesel119825.32771875666,000 to 712,620
Mahindra KUV100K6 Plus -Diesel119825.32771875683,000 to 730,810
Mahindra KUV100K8- Diesel119825.32771875722,000 to 772,540
Mahindra BoleroEX252315.9662.11700707,000 to 756,490
Mahindra BoleroLX NON AC252315.96631615723,000 to 773,610
Mahindra BoleroEX AC252315.9662.11615743,000 to 795,010
Mahindra BoleroPLUS252315.9662.11615750,000 to 802,500
Mahindra BoleroLX 4WD NON AC BSIV252315.96631615753,000 to 805,710
Mahindra BoleroLX 4WD NON AC BSIV252315.96631680766,000 to 819,620
Mahindra Bolero SLE252315.9662.11615776,000 to 830,320
Mahindra Bolero PLUS AC252315.9662.11615790,000 to 845,300
Mahindra Bolero Plus AC BSIV PS252315.96631680806,000 to 862,420
Mahindra Bolero SLX252315.9662.11615830,000 to 888,100
Mahindra Bolero ZLX252315.9662.11615854,000 to 913,780
Mahindra BoleroSpecial Edition252315.9662.11615862,000 to 922,340
Mahindra Bolero Power PlusmHawk D70 SLE149316.5701615698,000 to 746,860
Mahindra Bolero Power PlusmHawk D70 SLX149316.5701615762,000 to 815,340
Mahindra Bolero Power PlusmHawk D70 ZLX149316.5701615796,000 to 851,720
Mahindra ScorpioGateway 2WD260913.51152250917,000 to 981,190
Mahindra ScorpioIntelli Hybrid S4217915.41202610966,000 to 1,033,620
Mahindra ScorpioS4 1.99 mHawk199315.41202610967,000 to 1,034,690
Mahindra ScorpioS2 2.5 m2DI252315.4752510971,000 to 1,038,970
Mahindra Scorpio1.99 S4199715.41202610978,000 to 1,046,460
Mahindra ScorpioIntelli Hybrid S4 Plus217915.412026101,000,000 to 1,070,000
Mahindra ScorpioS4 Plus 1.99 mHawk199315.412026101,009,000 to 1,079,630
Mahindra Scorpio1.99 S4 Plus199715.412026101,012,000 to 1,082,840
Mahindra ScorpioGateway 4WD260910.2211526501,016,000 to 1,087,120
Mahindra ScorpioIntelli Hybrid S6 Plus217915.412025101,104,000 to 1,181,280
Mahindra ScorpioS6 Plus 1.99 mHawk199315.412025101,109,000 to 1,186,630
Mahindra Scorpio1.99 S6 Plus199315.412026101,116,000 to 1,194,120
Mahindra ScorpioIntelli Hybrid S4 Plus 4WD217915.412025101,122,000 to 1,200,540
Mahindra ScorpioS4 Plus 1.99 mHawk 4WD199315.412026101,133,000 to 1,212,310
Mahindra Scorpio1.99 S4 Plus 4WD199715.412026101,134,000 to 1,213,380
Mahindra ScorpioIntelli Hybrid S8217915.412025101,202,000 to 1,286,140
Mahindra ScorpioS8 1.99 mHawk199315.412026101,210,000 to 1,294,700
Mahindra Scorpio1.99 S8199715.412026101,214,000 to 1,298,980
Mahindra ScorpioS8 2.2 mHawk 7C Seater217915.412025101,246,000 to 1,333,220
Mahindra ScorpioIntelli Hybrid S10217915.412026101,270,000 to 1,358,900
Mahindra ScorpioS10 1.99 mHawk199315.412026101,275,000 to 1,364,250
Mahindra Scorpio1.99 S10199715.412026101,282,000 to 1,371,740
Mahindra ScorpioAdventure Edition 2WD217915.412026101,310,000 to 1,401,700
Mahindra ScorpioIntelli Hybrid S10 4WD217915.412026101,380,000 to 1,476,600
Mahindra ScorpioS10 1.99 mHawk 4WD199315.412026101,390,000 to 1,487,300
Mahindra Scorpio1.99 S10 4WD199315.412026101,392,000 to 1,489,440
Mahindra ScorpioAdventure Edition 4WD217915.412026101,420,000 to 1,519,400
Mahindra ScorpioS10 2.2 mHawk AT217915.412026101,430,000 to 1,530,100
Mahindra ScorpioS10 2.2 mHawk 4WD AT217915.412026101,551,000 to 1,659,570
Mahindra TharCRDe249816.551051750899,000 to 961,930
Mahindra TharDI 2WD PS252318.06631750593,000 to 634,510
Mahindra TharDI 2WD252318.06631750618,000 to 661,260
Mahindra TharDI 4WD252318.06631750641,000 to 685,870
Mahindra TharDI 4X4 PS252318.06631750646,000 to 691,220
Mahindra TUV 300T6 Plus149318.49842200848,000 to 907,360
Mahindra TUV 300T4149318.49842200756,000 to 808,920
Mahindra TUV 300T4 Plus149318.49842200792,000 to 47,440
Mahindra TUV 300T6149318.49842225823,000 to 880,610
Mahindra TUV 300T8149318.49842220909,000 to 972,630
Mahindra TUV 300T8 mHAWK100149318.49842225917,000 to 981,190
Mahindra TUV 300T6 Plus AMT149318.49812250922,000 to 986,540
Mahindra TUV 300T8 mHAWK 100 Dual Tone149318.491002225932,000 to 997,240
Mahindra TUV 300T8 AMT149318.49812250983,000 to 1,051,810
Mahindra TUV 300T8 AMT mHAWK100149318.491002225991,000 to 1,060,370
Mahindra Verito1.5 D6146121.03651140833,000 to 891,310
Mahindra Verito1.5 D2146121.03651140735,000 to 786,450
Mahindra Verito1.5 D4146121.03651140760,000 to 813,200
Mahindra Verito1.5 Executive Edition146121.03651140813,000 to 869,910
Mahindra Verito VibeD2146120.0864.11155649,000 to 694,430
Mahindra Verito VibeD4146120.0864.11155678,000 to 725,460
Mahindra Verito VibeD6146120.0864.11155743,000 to 795,010
Mahindra XUV500W8 2.2 mHawk21791614024501,566,000 to 1,675,620
Mahindra XUV500W4 1.99 mHawk1997161401,200,000 to 1,284,000
Mahindra XUV500W4 2.2 mHawk21791614024501,249,000 to 1,336,430
Mahindra XUV500W6 1.99 mHawk19971614024501,338,000 to 1,431,660
Mahindra XUV500W6 2.2 mHawk21791614024501,391,000 to 1,488,370
Mahindra XUV500W6 1.99 mHawk AT19971614024501,451,000 to 1,552,570
Mahindra XUV500AT W6 2WD21791614024501,479,000 to 1,582,530
Mahindra XUV500W8 1.99 mHawk19971614024501,511,000 to 1,616,770
Mahindra XUV500W8 1.99 mHawk AWD199315.114023001,545,000 to 1,653,150
Mahindra XUV500W8 1.99 mHawk AT19971614024501,594,000 to 1,705,580
Mahindra XUV500W10 1.99 mHawk19971614024501,598,000 to 1,709,860
Mahindra XUV500W8 2.2 mHawk AWD21791614024501,604,000 to 1,716,280
Mahindra XUV500Sportz MT AWD21791614024501,653,000 to 1,768,710
Mahindra XUV500W10 1.99 mHawk AWD199315.114023001,653,000 to 1,768,710
Mahindra XUV500W10 2.2 mHawk21791614024501,658,000 to 1,774,060
Mahindra XUV500W8 2.2 mHawk AT21791614024501,675,000 to 1,792,250
Mahindra XUV500W10 2.2 mHawk AWD21791614024501,714,000 to 1,833,980
Mahindra XUV500W10 1.99 mHawk AT19971614024501,732,00 to 1,853,240
Mahindra XUV500W10 1.99 mHawk AWD AT199315.114023001,737,000 to 1,858,590
Mahindra XUV500Sportz AT AWD21791614024501,756,000 to 1,878,920
Mahindra XUV500W10 2.2 mHawk AT21791614024501,762,000 to 1,885,340
Mahindra XUV500W10 2.2 mHawk AWD AT21791614024501,803,000 to 1,929,210
Mahindra XyloH8 ABS Airbag217914.02118.318901,175,000 to 1,257,250
Mahindra XyloD2 MAXX248914.9593.71830867,000 to 927,690
Mahindra XyloD2 BS III248914.9593.71830889,000 to 951,230
Mahindra XyloD2 MAXX BS III248914.9593.71830893,000 to 955,510
Mahindra XyloD2248914.9593.71830914,000 to 977,980
Mahindra XyloD4 BS III248914.9593.71830935,000 to 1,000,450
Mahindra XyloD4248914.9593.71830960,000 to 1,027,200
Mahindra XyloH4217914.02118.31890984,000 to 1,052,880
Mahindra XyloH4 ABS217914.02118.318901,024,000 to 1,095,680
Mahindra XyloH8217914.02118.318901,093,000 to 1,169,510
Mahindra e2oPlusP621011025.4940854,000 to 913,780
Mahindra e2oPlusP421011025.4940776,000 to 830,320
Mahindra e2oPlusP821011025.49401,155,000 to 1,235,850
Mahindra SuproVX 8 Str90923.5451215500,000 to 535,000
Mahindra SuproLX 8 Str BSIII90923.5451210454,000 to 485,780
Mahindra SuproLX 8 Str90923.5451210474,000 to 507,180
Mahindra SuproVX 5 Str BSIII90923.5451198474,000 to 507,180
Mahindra SuproVX 8 Str BSIII90923.5451215480,000 to 513,600
Mahindra SuproVX 5 Str90923.5451198495,000 to 529,650
Mahindra SuproZX 5 Str BSIII90923.5451210510,000 to 545,700
Mahindra SuproZX 5 Str90923.5451210531,000 to 568,170