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Motor Insurance
MG Hector Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Why MG Hector Owners Need Car Insurance
Owning an MG Hector is a significant investment, and protecting it with the right car insurance is essential. MG Hector car insurance ensures that your vehicle is protected from unforeseen events such as accidents, theft, and natural calamities. With Bajaj General Insurance Limited, you can easily buy or renew your car insurance policy online and customise it to meet your specific needs. Whether you're looking for a comprehensive plan or a third-party liability cover, securing the right insurance for your MG Hector will give you peace of mind on the road.
Importance of Buying Car Insurance for MG Hector Model
The MG Hector is a premium SUV with advanced features, making it an attractive target for theft or damage. Having the right insurance coverage ensures that your investment is protected in case of unforeseen events. Additionally, Indian law mandates that every car owner should have at least Third-Party Insurance. However, a comprehensive policy offers wider protection, covering damages to your car, third-party liabilities, and personal accident coverage. Securing your MG Hector with the right policy is crucial for peace of mind.
Features of Buying MG Hector Car Insurance
When you choose an MG Hector insurance plan, you gain access to several important features:
● Zero Depreciation Cover : Ensures that the full cost of replacing damaged parts is covered without considering depreciation.
● 24/7 Roadside Assistance : Immediate help in case of breakdowns or accidents.
● Cashless Claims : Bajaj General Insurance Limited directly pays the garage, and you don't need to spend from your pocket for repairs.
● Third-party Liability : Covers damages caused to third-party property or individuals.
● Add-ons : Include coverage for accessories, engine protection, and personal accident benefits.
These features enhance the level of protection you receive under your MG Hector car insurance plan.
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Benefits of Buying MG Hector Car Insurance
Here are the key benefits of opting for MG Hector insurance:
● Financial Protection : Covers repair or replacement costs due to accidents or damages.
● Legal Compliance : Meets the mandatory insurance requirements as per the Motor Vehicles Act.
● Third-party Protection : Covers liabilities arising from injuries or property damage to third parties.
● Customisable Coverage : You can add various covers like engine protection, zero depreciation, and key replacement.
● Cashless Garages : Enjoy the convenience of over 7,200+ cashless network garages for hassle-free claims with Bajaj General Insurance Limited.
These benefits ensure that your MG Hector is protected from various risks and help reduce your financial burden in case of accidents.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Car Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| Add-on: No Claim Bonus | No | No | No | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
MG Hector Variants with Insurance Premium Price
The MG Hector comes in various variants, each with its own unique insurance premium. Factors such as engine size, model, and features influence the insurance cost. For example, the Hector Style and Hector Shine Pro CVT variants may have different premiums due to differences in engine specifications and transmission types. Additionally, the insurance price for petrol models will differ from that of diesel models like the Hector Shine Pro Diesel. It’s important to check the exact MG Hector insurance cost for your specific variant before purchasing a policy.
Car Insurance Plans for MG Hector Car
When it comes to insuring your MG Hector, you can choose between different types of insurance plans:
● Third-party Liability Insurance: This is a basic, mandatory plan that covers any damage or injury to a third party caused by your car.
● Comprehensive Insurance: This covers both third-party liabilities and damage to your car from accidents, theft, or natural disasters.
Opting for comprehensive coverage ensures that your car is protected in most circumstances.
MG Hector Car Insurance Premium Calculator
To find the exact MG Hector insurance price, you can use a Car Insurance Premium Calculator. This tool helps you calculate the premium based on the car’s model, age, and coverage options. By providing details such as your vehicle registration number, driving history, and the chosen add-ons, you can get an accurate estimate of your premium.
Specifications of MG Hector
The MG Hector is powered by a 2.0L diesel engine, producing 167.67 bhp and 350 Nm of torque, paired with a 6-speed manual transmission. Its spacious interior, featuring a boot space of 587 litres, along with advanced technology like automatic climate control, ABS, and multi-function steering, make it a popular choice among SUV buyers. With a fuel tank capacity of 60 litres and seating for 5 passengers, the Hector offers both comfort and practicality.
How to Choose the Right MG Hector Car Insurance
When selecting the right MG Hector insurance, consider the following:
● Coverage Type: Choose between third-party or Comprehensive Insurance based on your needs. For maximum protection, a comprehensive policy is ideal.
● Add-ons: Customise your policy with add-ons like Zero Depreciation, engine protection, and roadside assistance.
● Insured Declared Value (IDV): Ensure that the IDV is accurately calculated as it affects your claim amount.
● Network Garages: Check for cashless network garages near you for hassle-free claim settlements.
Bajaj General Insurance Limited offers a wide range of customisable Car Insurance Plans that cater to different needs.
Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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3
Enter your car details
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You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value (IDV) that reflects your car value
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Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Download our Bajaj General App on Android or iOS
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Register or login to use Motor On the spot claim for a smooth process
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Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Bajaj General App
Know More
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For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
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How to Buy MG Hector Car Insurance Online
Buying MG Hector insurance online is simple and quick. Visit the Bajaj General Insurance Limited website, fill in your card details, choose your desired plan, and make the payment online. Your policy documents will be emailed to you instantly.
Reasons to Choose MG Hector Insurance
Opting for MG Hector insurance gives you several advantages, such as:
● Affordable Premiums : With customisable plans, you can find a policy that fits your budget.
● Hassle-free Claims : With 24/7 Assistance and a wide network of garages, claims are settled efficiently.
● Comprehensive Coverage : Protection against theft, fire, accidents, and third-party liabilities.
These reasons make Bajaj General Insurance Limited a preferred choice for insuring your MG Hector.
How to Renew MG Hector Car Insurance Online
Renewing your MG Hector insurance is easy. Visit the Bajaj General Insurance Limited website, provide your policy details, select your renewal plan, and pay the premium. The renewed policy will be sent to your email instantly.
How to Raise a Claim Under MG Hector Car Insurance?
To raise a claim under your MG Hector insurance policy, log in to the Bajaj General Insurance Limited website or app, register your claim, and provide the necessary documents. The claim will be processed, and you will receive updates throughout the process.
Why Choose Bajaj General Insurance Limited for MG Hector Car Insurance
Bajaj General Insurance Limited is a trusted name in the insurance industry, offering comprehensive MG Hector insurance policies with the following benefits:
● Wide Network : Access to 7,200+ cashless garages for repairs across India.
● Customisable Plans : Tailor your policy with add-ons like engine protection and zero depreciation to suit your specific needs.
● Digital Convenience : You can easily buy, renew, and claim your insurance online through the user-friendly Bajaj General Insurance Limited app or website.
With these features, Bajaj General Insurance Limited stands out as a reliable partner for your car insurance needs.
What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj General, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj General.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
Will third-party car insurance cover damages to my car from an accident?
No, third-party car insurance only covers damages caused to other's vehicles or property, not your own car.
Is Own Damage coverage included in MG Hector car insurance policies?
Yes, comprehensive MG Hector insurance policies include Own Damage coverage.
Does the MG Hector come with features specifically designed for uphill?
Yes, the MG Hector is equipped with hill hold control and other features for uphill driving.
What is covered under MG Hector's comprehensive car insurance policy?
A comprehensive policy covers third-party liabilities, Own Damage, and damages from natural or man-made disasters.
Can I transfer my no-claims bonus to a new MG Hector insurance policy?
Yes, you can transfer your no-claims bonus when you switch to a new MG Hector insurance policy.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
What is a Third-Party Liability Cover?
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
Differenciate Third-Party Liability and Comprehensive Motor Insurance?
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
Will my no claims bonus be transferred if I renew my motor insurance?
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
What is premium reduction process if no claim aquired previously?
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
What should be my first action to initiate a claim?
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
How do I register my claim?
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Bajaj General App to claim your insurance in just a few easy steps.
What is a "deductible" or "compulsory excess" in motor insurance?
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Why does my vehicle insurance premium change during renewal?
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
How 'no claim bonus' is calculated at the time of renewal?
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
What is break-in insurance? What should I do in case of break-in?
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
When is vehicle inspection mandatory in motor insurance?
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
Why juggle policies when one app can do it all?
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