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The MG Gloster is a premium Sports Utility Vehicle (SUV) that has a classy exterior and comes packed with some of the latest features. If you are a lucky owner of this luxury vehicle, congrats! In this article, we have enumerated how you can protect yourself against the financial repercussions of accident-related damages to the vehicle. So, read ahead to learn about MG Gloster’s insurance options and the benefits of buying car insurance online.
Online car insurance has several advantages as compared to its offline alternative. Here are some of them.
Online car insurance allows you to bypass outdated form filling while buying insurance and raising claims. So, if you opt for online four-wheeler insurance, you can enjoy a hassle-free digital insurance experience.
If you opt for offline car insurance, you may need to visit the insurer's corporate/branch office to buy a policy and raise claims against it. In contrast, if you opt for online car insurance, you can buy a four-wheeler policy and raise accident-related claims at any time from anywhere.
By definition, accidents are unpredictable. So it is always wise to have ready access to help. With this in mind, online insurers provide a 24x7 open line or a detailed help section to guide you in the event of an unfortunate accident.
The following are the two broad types of car insurance policies available for MG Gloster.
This type of car insurance is legally mandated as per the Motor Vehicles Act of 1988. It offers coverage against third-party liabilities like injury, death and property damage to a third party. The downside of this policy is that it doesn’t offer coverage against accident-related damages to your MG Gloster.
A Comprehensive Car Insurance Policy not only offers legally mandated third-party coverage but also coverage for damages to your car. Not only that, it covers theft as well. It also gives you the option of extending coverage by purchasing add-ons.
If you buy a Comprehensive Car Insurance Policy for your MG Gloster, you can claim coverage in the following circumstances.
Injuries and death to a third party due to a collision with your car
Damage to the property of a third party due to a collision with your four-wheeler
Damages caused by natural calamities like earthquakes, cyclones, floods, etc.
Damages caused by manmade calamities such as vandalism, riots, strikes, etc.
Damages caused by fires
If your car gets damaged beyond the scope of repair
If your car is stolen
Car insurance does not offer coverage in the following situations.
Driving without an active driving licence
Driving without a copy of your car insurance policy document
Regular wear and tear of the parts of your car
Malfunctions due to electrical or mechanical causes
Driving without following traffic laws
Driving under the influence of consciousness-altering substances
Accident-related damages occurring in areas that are not covered under the policy
If you buy a Comprehensive Car Insurance Policy for your MG Gloster, you can choose from the following add-ons. However, note that they are subject to availability.
Key Replacement Cover
Outstation Emergency Cover
Zero Depreciation Cover
Roadside Assistance Cover
Return to Invoice Cover
As you may already know, ACKO is a digital-first insurer. In addition to the previously mentioned benefits of online insurance, we provide the following features.
Our digital infrastructure helps us to reduce our operational costs. These saved costs help us cut down on pricing our insurance products to an extent. We also follow a “no commission policy”, which reduces pricing further, resulting in low-cost policies.
We understand that waiting for a claim settlement can be frustrating. That is why we try to process claim settlements as soon as possible. If you raise a claim for minor damages, we will settle it within just a few hours.
If you raise a claim for accident-caused damages, we will come to your location, pick up your car and take it to one of our network garages for repair. Once the repairs are completed, we will return your car to your doorstep at no additional cost to you.
Here’s how simple it is to raise a claim against your MG Gloster policy.
Step 1: Visit our official webpage or mobile app and log in to your account.
Step 2: Head to your MG Gloster policy card and click on “Claim now” next to it.
Step 3: You will be redirected to a page with a few questions regarding the damages. Respond to the questions, upload relevant pictures, and click “Submit”.
Once we receive your claim request, we will process it per your policy's terms and provide the applicable coverages.
No, it is not optional to buy MG Gloster insurance. As per the Motor Vehicles Act of 1988, it is illegal to drive on Indian roads without possessing valid car insurance.
The most cost-effective car insurance policy for MG Gloster is a Third-party Car Insurance Policy. Nonetheless, we recommend buying a Comprehensive Car Insurance Policy for better coverage.
It costs extra to choose add-ons for Comprehensive MG Gloster car insurance.