The Mahindra Group is one of the largest manufacturers of utility vehicles in India. Mahindra car insurance is the set of insurance plans that cover all private cars and SUVs manufactured by Mahindra and Mahindra Limited.
Mahindra car insurance offers two types of plans, namely, third-party liability and comprehensive. A third-party liability plan offers protection against accident-related claims made by third parties if the policyholder’s car causes damages to a third person or third-party property. On the other hand, a comprehensive plan offers complete protection to the Mahindra car. This includes third-party claims as well as own damages. This article will look at the inclusions and exclusions of Mahindra car insurance plans.
Before buying a car insurance plan, it is important to assess your insurance requirements and determine if you need a standalone third-party liability cover, a comprehensive cover, or a standalone own-damage car insurance policy. For example, if you own a Mahindra car, you can opt for a Mahindra car insurance plan. Here are the inclusions and exclusions of these plans.
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Inclusions of a Mahindra Car Insurance Policy
Comprehensive car insurance plans usually cover damages to the car for a wide range of reasons. Here are some common inclusions offered by Mahindra car insurance plans:
- Total loss due to the theft of the car
- The cost incurred due to the damages suffered by the car as a result of a natural disaster like earthquakes, floods, etc.
- The cost incurred due to the damages suffered by the car due to a man-made disaster like riots, terrorist attacks, etc.
- Damages caused by fire like self-ignition, lightning strike, etc.
- Any damages caused to the car while in transit via airways, roadways, railways, or waterways.
- A personal accident cover for the owner-driver of the insured car
- Third-party liability cover
Exclusions of a Mahindra Car Insurance Policy
Even if you opt for a comprehensive plan, there are certain situations under which the insurer does not offer coverage. These are called exclusions. Here are some common exclusions of Mahindra car insurance plans:
- Damages caused to the car if the driver was not in possession of a valid driving licence at the time of the accident
- Any damage to the car beyond the geographical boundaries of India
- Damages caused to the car if the driver was under the influence of alcohol, drugs, or any other intoxicant
- Wear and tear of the car
- Any damage caused when the car was not being used for its intended purpose. For example, a private car is used for commercial purposes or vice-versa
- Any damage sustained during a war or war-like situation in the country
- Damages due to the negligence of the driver
Why Should You Opt For Mahindra Car Insurance?
Car insurance is mandatory in India. While the law requires car owners to have third-party liability insurance, most Mahindra car owners opt for a comprehensive plan to protect their prized vehicles.
As a Mahindra car owner, you can protect your car from all kinds of damages – third-party as well as own car. In addition, most insurers offering Mahindra car insurance have a wide network of cashless garages that allow you to get your car repaired without having to pay any amount to the garage.
With insurance providers offering online car insurance policies, you can buy a Mahindra car insurance policy in no time. Further, insurers offer a range of discounts on online policies to help you get a comprehensive cover at an affordable price.
Lastly, most insurance providers have a wide range of add-on covers that you can choose to customise the policy as per your requirements. For example, if you own a Mahindra Scorpio and go for frequent road trips, then you can look at add-on covers that offer outstation emergency services and key protection services.
Summing Up
In India, owning a Mahindra car is a proud moment. The company offers a range of vehicles to suit the needs of different individuals and businesses. However, when you are driving, you and your car are exposed to many risks, including accidents, natural calamities, man-made calamities, theft, etc. Hence, it is important to protect yourself financially against any damage to your prized car.
Mahindra car insurance is offered by many providers to help you create a financial safety net for your Mahindra car. While the inclusions and exclusions mentioned above are what most insurers offer, ensure that you go through the policy document carefully.
Remember, car insurance can help you avoid unnecessary expenses if your car was to get damaged for any reason. Hence, go through the websites of multiple insurers offering Mahindra car insurance, compare features, get quotes for car insurance premiums and make an informed decision after careful consideration of the four-wheeler insurance price. Also, ensure that you undertake Mahindra car insurance renewal on time. Good Luck!
