MG Car Insurance

Following are the Add-ons for MG Car Insurance:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Cecil Kimber launched the initial model of Morris Garages automotive company in 1924. After years of research and several upgrades, the company unveiled India’s first pure electric internet SUV, MG ZS EV. Apart from this, some other models available in the Indian commuter market are:

• MG Hector

• MG Hector Plus

• MG Gloster

• MG Astor 

The MG cars price ranges between ₹9.78 lakh to ₹37.68 lakh, covering premium, mid-range and low-budget segments. 

Some of the MG models include i-Smart features such as E-call, Accuweather etc., optimised safety options, stylish interior and exterior. Thus, MG cars guarantee comfort and powerful performance along with safety.

Car insurance for MG reduces financial and legal liabilities that may arise from accidents. Possessing a third-party car insurance plan is mandatory as per the Motor Vehicles Act, 1988. Considering the risks and damages, your MG car is susceptible to, you should get appropriate insurance for your car. 

Read on to find the lucrative benefits of MG insurance. 

• Personal Accident Cover: Insurance policies come with a mandatory personal accident cover that pays compensation to policyholders and their families in case of severe accidents. Such accidents may result in permanent disability or even the death of a policyholder. 

• Protection from Third-party Liabilities: A basic insurance plan for your MG car, such as third-party insurance, covers third-party damages that your vehicle might inflict during a collision. Without a valid insurance plan, you will need to bear the repair costs, and there might be other liabilities. 

• Protection from Own Damages: There might be accidents and other unfortunate events such as theft, natural or artificial disasters, fire, etc., resulting in own car damages. A well-rounded insurance policy can offer coverage benefits and reduce your financial liability in such a scenario. 

• Reduces Fines: Individuals driving their MG cars without a valid insurance plan are liable to pay hefty traffic fines. These fines can go up to ₹4000 depending on the number of offences. Thus, it is practical to bear the MG insurance cost rather than pay penalties. 

• No Claim Bonuses: Insurers offer discounts on policy premiums to those who maintain non-claim years within their policy term. These bonuses are also known as No Claim Bonuses and can range between 20%-50% depending on your insurer. 

Additionally, one can obtain various other benefits on insurance for MG cars by comparing different plans online. While choosing a suitable insurance policy, one can go for Digit insurance and obtain maximum service benefits.

Besides offering a competitive MG car insurance price, the insurance company Digit comes with a host of benefits such as follows:

• Simple Claim Process: By obtaining MG car insurance online from Digit, you can opt for a smartphone-enabled convenient claim process. In this process, you can self-inspect your car damages through your smartphone and raise a claim within a few minutes. 

• Plenty of Add-on Covers: Policyholders of a comprehensive MG car insurance plan from Digit can enjoy add-on benefits for overall coverage. Some of the add-on covers to choose from are engine and gearbox protection, zero-depreciation, roadside assistance, consumables, return to invoice and more. 

• Several Network Garages: Digit has a range of network garages across India from where you can avail of professional repair services for your MG car. Further, you can also get cashless repairs from these garages. 

• Cashless Claims: Individuals can opt for a cashless repair while getting their MG car repaired from an authorised network garage. On their cashless claims against car insurance, they need not pay any amount directly to the repair centre as the insurer will pay on their behalf. Thus, one can get cashless benefits on paying MG car insurance renewal price. 

• Doorstep Pick-up and Drop Facility: A comprehensive car insurance plan from Digit comes with a doorstep pick-up and drop facility where a policyholder can enjoy repair services from his or her home’s convenience. 

• IDV Customisation: Insurance providers pay a return amount based on the IDV or Insured Declared Value of your MG car in case of irreparable damages or car theft. Insurers like Digit allow you to customise this value. In this way, one can choose to obtain maximum benefits. 

• 24x7 Customer Support: Digit’s superior customer support can guide you through the entire MG car insurance renewal process in case of doubts and queries. You can contact them any time you want and get instant solutions. 

Further, one can opt for a lower MG car insurance premium by going for a higher deductible plan. However, while making such choices, one should ensure not to miss out on essential benefits.

Looking to reduce the premium paid towards your Maruti’s insurance? 

Following are a few ways to do so! 

• Choose a Higher Deductible: With your Maruti insurance, you will be required to pay a compulsory deductible as per IRADAI directives. Alongside this, you can choose to pay voluntary deductibles during a claim, by virtue of which you can reduce the premium paid towards the policy. 

• Avoid Making Small Claims: If you make claims for small damages, you miss your NCB and consequently do not enjoy any discounts on your premium. Therefore, if your car’s repair is not costing you much, it is better to avoid making claims. 

• Compare Premiums: Make sure you conduct proper research and choose the most affordable policy in the market. In this respect, Digit’s Maruti insurance policy (starting at Rs.2702) is cost-effective and offers maximum benefits.  

These are, thus, a few ways through which you can lower the premium for your Maruti insurance purchase or renewal. 

However, make sure you do not compromise on your policy benefits while seeking lower premiums payable! 

Happy driving!