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Car Insurance for MG Hector
MG (Morris Garages) Motor made its India debut in 2019 and launched the Hector SUV (Sports Utility Vehicle). The MG Hector is a full-size SUV, and it is crucial to insure the car to comply with the rules and regulation and for financial/legal coverage. If you own an MG Hector or planning to buy one, this article will provide you with all the information related to Car Insurance Online for MG Hector.
Car insurance for MG Hector is crucial as it is compulsory to purchase at least a third-party motor insurance plan to comply with the rules and regulations. Comprehensive car insurance policy is optional. However, it provides an Own Damage cover along with third-party damage cover. With a comprehensive car insurance policy, you need not worry about car repair costs if your MG Hector is damaged in an accident. Below are the benefits of MG Hector car insurance:
A third-party/comprehensive car insurance policy provides coverage against damage to third-party property and accidental death/injury to the third-party. The insurer will take the liability for damage caused to third-party property or life in an accident.
A comprehensive car insurance plan provides Own Damage and third-party damage cover. The insurance policy covers damage to your vehicle and injury/accidental death of the driver/owner. The damage coverage includes accidental damage, damage due to fire and damage due to man-made/natural disasters.
A comprehensive car insurance policy covers total loss or theft of the insured vehicle. In case your MG Hector is damaged beyond repairs in an accident or stolen, the insurer will pay you the IDV (Insured Declared Value) of the vehicle.
Comprehensive car insurance plan allows you to enhance the coverage of the policy by purchasing add-on covers. You can purchase add-on covers such as Roadside Assistance cover, Engine Protection cover, Passenger cover, No Claim Bonus cover, etc. to enhance the scope of coverage of the comprehensive car insurance policy.
There are mainly two types of car insurance plans for MG Hector: Third-Party car insurance and Comprehensive car insurance. Both the insurance plans come with different sets of coverage benefits. Below are the coverage details of third-party and comprehensive car insurance plans:
It is mandatory to but at least a third-party car insurance plan to comply with the rules and regulations. A third-party car insurance policy provides only third-party liability cover, and it does not offer an Own Damage cover.
A comprehensive car insurance plan offers third-party and an Own Damage cover. The insurance policy provides coverage against damage to your car and injury or accidental death of the driver/owner. Apart from that, a comprehensive car insurance policy also covers theft or total loss of the insured vehicle. The insurance plan also allows you to buy add-on covers to expand the coverage benefits of the comprehensive car insurance policy.
Below are the inclusions of MG Hector insurance:
Loss/Damage to third-party property or life.
Loss/Damage to the car due to an accident.
Injury/Accidental death of the driver/owner.
Loss/Damage to the car due to natural disasters such as earthquakes, floods, storms, cyclones, etc.
Loss/Damage to the car due to man-made disasters such as riots, etc.
Loss/Damage to the car due to a fire outbreak or explosion.
Loss/Theft of the insured vehicle.Note: Only Comprehensive Car Insurance plan provides an Own Damage Cover.
MG Hector car insurance will not provide coverage under the following circumstances:
Loss/Damage to the car due to mechanical/electrical failure.
Loss/Damage to the car due to reckless driving.
Loss/Damage to the car due to improper handling.
Driving the car under the influence of alcohol/intoxicating substances.
Driving the car without a valid driving licence.
Loss/Damage to the car due to natural wear and tear.
Any add-on cover which is not purchased.
You can buy car insurance add-on covers for a comprehensive car insurance plan. Below are the available add-ons for MG Hector car insurance:
No Claim Bonus (NCB) cover
Engine Protection cover
Roadside Assistance (RSA) cover
Depreciation Cost cover
Theft/Loss of Key cover
Acko car insurance comes with a host of benefits. Below are the benefits of buying MG Hector car insurance from Acko:
You can buy car insurance online from Acko General Insurance, and there is no paperwork. The entire process of buying car insurance can be completed online with minimal documentation. Digital payment mode and simple documentation save you a lot of time.
Applying for a car insurance claim at Acko is simple as you can register the claim online. Acko offers instant claim settlement for minor damages. For major damages, the claim will be settled within a few hours.
Acko’s car insurance experts will provide you with unbiased advice and assist you in purchasing the right car insurance plan and add-ons for your MG Hector SUV.
Acko suggests the optimum Insured Declared Value (IDV) for your vehicle and provides car insurance plans. You can compare different insurance plans and add-on covers before making the purchase.
Below are the steps to register a car insurance claim at Acko General Insurance:
Log on to the website www.acko.com or download the smartphone app.
Select the ‘Car Insurance’ option from the Products drop-down menu.
Select the ‘Car Claims’ option from the Claims drop-down menu.
Next, log in to your Acko account and enter details of the claim.
State the nature of the damage and upload pictures of the damaged car.
Upon verification and assessment of the vehicle damage, the car will be picked up* for repair works.
You will receive instant claim settlement for minor damages.
You can keep track of the repair work via the website or the smartphone app.
The repaired vehicle will be delivered* to you within three days.
*Note: Vehicle pick up, and delivery service is available in select cities.
Buying car insurance is not that complicated once you understand the fundamentals of the car insurance policy. Below are some of the most commonly asked questions about MG Hector car insurance:
You can buy MG Hector car insurance offline or online. But buying car insurance online will save you a lot of time and money. You can also compare insurance plans from different insurance providers before purchasing the car insurance policy.2. Is online car insurance valid for MG Hector?
Yes, online car insurance is valid for MG Hector. Once you buy car insurance online, the insurer will provide you with a soft copy of the insurance policy and insurance policy certificate.3. My MG Hector car insurance is about to expire. Which documents do I need to submit to renew the car insurance?
You need to submit the following documents to renew the car insurance policy:
The previous insurance policy certificate
Vehicle registration certificate
The cost of car insurance depends on the value and condition of the vehicle. The insurance cost also varies depending on the type of insurance plan and add-ons you choose.5. Which add-on covers should I buy for my MG Hector car insurance?
You can consider buying the following add-ons for MG Hector car insurance:
No Claim Bonus Cover
Roadside Assistance Cover
The claim settlement varies from one insurer to another. Claim settlement ratio is the ratio between the received claim requests and settled claims in a fiscal year.7. I am planning to buy MG Hector. Is it a reliable car?
Yes, MG Hector is a reliable car, and it comes with powerful and fuel-efficient petrol and diesel engine options. The Hector is a feature-rich SUV with connected car technology.8. Is MG Hector a value for money car?
Yes, MG Hector has a commendable value for money proposition as it comes loaded with a plethora of premium features. The premium design and advanced features justify the price it demands.9. Which is a better SUV, MG Hector or Kia Seltos?
Both the SUVs are good in their segment. If you are looking for a spacious interior, you can go for MG Hector. The Kia Seltos is a compact package and ideal for urban conditions. Both the SUVs offer connected car features.10. Does MG Hector car insurance provide an Own Damage cover?
Yes, a comprehensive car insurance plan provides an Own Damage cover. The insurance policy provides coverage against damage to your vehicle and total loss/theft of the vehicle.
Below are the car insurance plans for other MG cars:
MG Hector Plus Car Insurance
MG ZS EV Car Insurance
MG Gloster Car Insurance
MG Hector is a full-size SUV with premium exterior design and feature-loaded interior. Buying car insurance for MG Hector is crucial as it is compulsory to purchase at least a third-party car insurance plan to comply with the Motor Vehicles Act. Moreover, a comprehensive car insurance plan provides Own Damage cover, which avoids the hassle of worrying about repair works if your car is damaged in an accident.
A comprehensive car insurance plan covers damage to your vehicle and injury/accidental death of the driver/owner. Apart from that, a comprehensive car insurance policy provides coverage against theft or total loss of the vehicle. Another main advantage of a motor insurance plan is the ability to purchase add-on covers to expand the scope of coverage of the car insurance policy.
A third-party/comprehensive car insurance policy covers damage to third-party and injury/accidental death of the third-party. If you end up damaging third-party property in an accident, the insurance company will take the legal and financial liability for the damage. So, you need not worry about legal issues, and you are also financially covered by the car insurance policy. Note that you cannot drive a car on the road without a valid MG car insurance policy, and it is mandatory to purchase a third-party insurance plan to comply with the rules and regulations.
MG Hector is the first product from the stable of MG Motor India. The Hector is a full-size SUV, and it comes with all the bells and whistles. The SUV has an impressive road presence thanks to its unique design language and large body proportions. To top it all, the Hector is also a connected car with a host of connected car features and comes with a dedicated smartphone app to control several vehicle functions.
Coming to the exterior design, the MG Hector is a large SUV which draws eyeballs wherever you go. The front end of the SUV gets a large grille with MG branding and chrome surrounds, sleep LED daytime running lights, headlights integrated to the bumper and skid plate on the lower bumper. The rear end of the SUV features LED tail lights, a chrome strip on the boot, skid plate on the bumper and roof-mounted spoiler with high-mount stop lamp.
The body cladding running across the body gives a rugged look to Hector. To unravel the full potential of the SUV, you need to hop inside. The interior of the Hector features a dual-tone theme. The dashboard is dominated by a large touchscreen display for the infotainment system, and the massive panoramic sunroof will give you an airy feeling inside the cabin. The SUV comes with all the creature comfort features which you can imagine.
The connected car technology gives a new dimension to the features of the SUV. The MG i-Smart connected car technology brings in a host of features, and you can remotely control several functions of the Hector SUV. The Hector comes with a powerful petrol and diesel engine, and the petrol engine is also offered with mild-hybrid technology which improves the fuel efficiency. Overall, the MG Hector is a complete package when it comes to looks, features and engine options. If you are in the hunt for a full-size SUV, the Hector is a worthy choice.
Large front grille with chrome surrounding.
All-LED lighting with sleek LED daytime running lights and LED fog lights.
Dual-tone machined alloy wheels.
A large panoramic sunroof.
Heater outside rearview mirrors with integrated turn indicators.
Automatic headlights and wipers.
Ambient lighting and front and rear LED reading lights in the cabin.
Leather seat upholstery and leather-wrapped steering wheel and driver centre armrest.
Electrically adjustable driver and co-driver seat.
Electrically operated tailgate.
Cruise control system.
Large touchscreen display for the infotainment system.
Premium Infinity audio system with subwoofer and amplifier.
Mini Information Display(MID) on the instrument cluster.
i-Smart connected car technology with a smartphone app.
Powerful petrol/petrol-hybrid and diesel engine options.
A 360-degree camera.
Electronic parking brake.
Six airbags and ISOFIX mounts for a child seat.
ABS, EBD, hill-hold assist and traction control.
Disc brakes on all four wheels.
Embedded sim card with 5G connectivity.
Over-the-air software updates.
Refer to the following tables for specifications, variants and ex-showroom prices of the MG Hector SUV:
|Engine||1.5-Litre with Turbocharger||2-Litre with Turbocharger||1.5-Litre with Turbocharger|
|Power||141 Bhp||168 Bhp||141 Bhp|
|Torque||250||350 Nm||250 Nm|
|Transmission||6-Speed Manual/DCT||6-Speed Manual||6-Speed Manual|
|Brakes||Disc Brakes||Disc Brakes||Disc Brakes|
|Fuel Tank||60 Litre||60 Litre||60 Litre|
|Boot Space||587 Litre||587 Litre||587 Litre|
|MG Hector||Variant||Fuel Type||Price|
|MG Hector||Style||Petrol||Rs. 12.74 Lakh|
|MG Hector||Super||Petrol||Rs. 13.54 Lakh|
|MG Hector||Special Anniversary Edition||Petrol||Rs. 13.63 Lakh|
|MG Hector||Smart||Petrol||Rs. 15.94 Lakh|
|MG Hector||Sharp||Petrol||Rs. 17.44 Lakh|
|MG Hector||Sharp Dual-Tone (DCT)||Petrol||Rs. 17.75 Lakh|
|MG Hector||Style||Diesel||Rs. 13.88 Lakh|
|MG Hector||Super||Diesel||Rs. 14.88 Lakh|
|MG Hector||Special Anniversary Edition||Diesel||Rs. 14.99 Lakh|
|MG Hector||Smart||Diesel||Rs. 16.33 Lakh|
|MG Hector||Sharp||Diesel||Rs. 17.73 Lakh|
|MG Hector||Sharp Dual-Tone||Diesel||Rs. 18.08 Lakh|
|MG Hector||Super||Petrol-Hybrid||Rs. 14.14 Lakh|
|MG Hector||Smart||Petrol-Hybrid||Rs. 15.24 Lakh|
|MG Hector||Sharp||Petrol-Hybrid||Rs. 16.54 Lakh|
|MG Hector||Sharp Dual-Tone (MT)||Petrol-Hybrid||Rs. 16.84 Lakh|
Note: All prices are ex-showroom Delhi as of 18 November 2020
MG Hector is a full-size SUV while the Kia Seltos is a mid-size SUV. However, both the SUVs are equipped with a similar set of features and come with connected car technology. Both the Hector and Seltos come with a host of connected car features and a dedicated smartphone app to remotely operate the various vehicle functions. Both the SUVs are offered with petrol and diesel engine options. Refer to the below table to see how does the Hector fare against the Seltos:
|Details||MG Hector||Kia Seltos|
|Engine||1.5-litre Petrol/2-litre Diesel/1.5-litre Petrol-Hybrid||1.5-litre petrol/1.4-litre petrol/1.5-litre diesel|
|Price (Ex-Showroom)||Rs. 12.74 - 18.08 lakh||Rs. 9.89 - 17.34 lakh|
Both the Tata Harrier and MG Hector belong to the mid-size SUV segment, and both the vehicles offer a similar interior space with a 5-seater layout. The MG Hector edges out the Harrier in terms of creature comfort features and the connected car technology. Both the SUVs are equipped with similar safety features. Let’s take a look at the details of both the SUVs in the below table:
|Details||Tata Harrier||MG Hector|
|Engine||2-litre Diesel||2-litre Diesel/1.5-litre Petrol|
|Price (Ex-Showroom)||Rs. 13.84 - 20.3 lakh||Rs. 12.74 - 18.08 lakh|
Jeep Compass is a mid-size SUV, and the MG Hector belongs to the full-size SUV segment. Both the SUVs excel in their segment. Hence, a direct comparison is not reasonable. The Compass is a premium SUV with four-wheel-drive and can easily handle off-roading. On the other hand, the MG Hector shines with its plethora of features, including the connected car technology. Refer to the table below for a detailed comparison of both the SUVs:
|Details||Jeep Compass||MG Hector|
|Engine||1.4-litre Petrol/2-litre Diesel||2-litre Diesel/1.5-litre Petrol|
|Price (Ex-Showroom)||Rs. 16.49 - 24.99 lakh||Rs. 12.74 - 18.08 lakh|
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ACKO General Insurance Limited
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Category: Non-Life Insurance
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