MG Hector Car Insurance
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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.
Importance of buying car insurance for MG Hector Model:
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:
Third-Party Liability Cover:
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.
Own Damage Cover:
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.
Loss/Theft Cover:
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.
Add-On Cover:
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.
Car Insurance plans for MG Hector Car:
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:
Third-Party Car Insurance Plan
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.
Comprehensive Car Insurance Plan
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.
What’s Covered in MG Hector Insurance (Inclusions):
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.
Exclusions of MG Hector Car Insurance:
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.
Add-ons for MG Hector Car Insurance:
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
Invoice cover
Passenger cover
Consumables cover
Theft/Loss of Key cover
Advantages of Buying Acko Car Insurance Policy for your MG Hector Car:
Acko car insurance comes with a host of benefits. Below are the benefits of buying MG Hector car insurance from Acko:
Digital Process
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.
Quick Claim Settlements
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.
Expert Advice
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.
Best Car Insurance Plans
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.
Claim Procedure:
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.
Frequently Asked Questions:
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:
FAQs
1. From where can I buy 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
Identity proof
4. How much will it cost to insure my MG Hector in Delhi?
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
Passenger Cover
Consumables Cover
6. I am buying car insurance for my MG Hector. Which insurance company has the best claim settlement ratio?
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.
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