Mahindra Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Mahindra car insurance policy online
Mahindra cars are admired for their robust build, comfort, and performance, ranging from adventurous SUVs like the Thar to the feature-packed XUV 3XO. Their combination of modern technology, safety features, and versatile design makes them a favourite for both city driving and off-road adventures.
Ensuring your vehicle is protected with a reliable car insurance policy is essential. Buying or renewing your Mahindra car insurance online provides coverage against accidents, theft, fire, and natural disasters, while keeping you compliant with legal requirements. Timely Mahindra car insurance renewal also preserves benefits such as No Claim Bonus and allows you to customise your coverage with add-ons like zero depreciation cover or roadside assistance.
With Zurich Kotak, the process is quick and straightforward, offering instant issuance of a digital policy, secure payments, and access to over 4,600 authorised cashless garages nationwide. You get peace of mind and the flexibility to choose a plan that suits your driving style and budget, while enjoying competitive Mahindra car insurance prices.
Why Do You Need Mahindra Car Insurance?
Owning a Mahindra, whether it’s a rugged Thar, a spacious XUV, or an electric BE 6 , is an investment in performance and reliability. Mahindra car insurance ensures that your vehicle is financially protected against accidents, theft, fire, natural disasters, and third-party liabilities. For instance, if your Mahindra is involved in a minor collision or suffers damage from a sudden flood, repair bills can be significant. With a comprehensive car insurance policy, repair costs are covered without putting a strain on your finances.
Renewing your Mahindra car insurance policy on time keeps you legally compliant under the Motor Vehicles Act and maintains uninterrupted protection. Renewing online also provides convenience, instant policy issuance, and access to a large network of cashless garages, making claim management simple and stress-free.
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Types of Mahindra car insurance plan
Understanding the different types of Mahindra car insurance helps you choose the coverage that best suits your needs.
A comprehensive car insurance policy provides full protection. It covers both damages to your own vehicle and third-party liabilities. This includes accidents, theft, fire, natural disasters such as floods or earthquakes, and man-made events like riots or vandalism. Optional add-ons, including zero depreciation and roadside assistance, can further enhance coverage. This plan is ideal for new or high-value Mahindra cars.
A third-party insurance policy is mandatory under the Motor Vehicles Act. It covers injuries, disabilities, or fatalities caused to others, as well as damage to their property. This is the most basic legal requirement.
A stand-alone OD policy protects your Mahindra from accidental damage, fire, theft, or natural calamities. It must be purchased alongside a third-party policy and suits owners who wish to cover only their own vehicle.
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Benefits of Buying Mahindra Car Insurance Online
Quick and Easy Purchase
Buy or renew your Mahindra car insurance in just a few clicks—no paperwork, no hassle.
Cashless Network Garages
Enjoy hassle-free cashless servicing at Zurich Kotak's extended network of garages across India, ensuring smooth repairs when you need them most.
Instant Claim Assistance
Get quick claim support with a simple, user-friendly process that saves time during stressful situations.
24x7 Roadside Assistance
Stuck on the road? Our 24x7 emergency roadside assistance is just a call away—anytime, anywhere.
Add-on Covers for Extra Protection
Enhance your policy with useful add-ons like zero depreciation, engine protection, Tyre protection cover, and more.
No Claim Bonus (NCB)
Drive safe and enjoy up to 20% to 50% off your premium with NCB rewards for claim free years.
What's covered/not covered under Mahindra Car Insurance Policy?
When you purchase a policy, it is essential to understand exactly what your Mahindra car insurance includes and what it does not. This helps you avoid surprises at the time of a claim.
What’s Covered?
● Accidental Damage: Covers repair costs if your Mahindra is damaged in an accident or collision.
● Theft or Total Loss: Compensation up to the Insured Declared Value (IDV) if your car is stolen or beyond repair.
● Fire and Explosion: Protection against damage caused by fire, lightning, or accidental explosions.
● Natural Calamities: Floods, earthquakes, storms, cyclones, or landslides are covered under the policy.
● Man-Made Incidents: Losses due to riots, vandalism, strikes, or terrorism are also covered.
● Third-Party Liability: Covers legal liabilities if your Mahindra causes injury, death, or property damage to a third party.
● Personal Accident Cover: Compensation is provided to the owner-driver in case of accidental death or disability (up to the sum insured).
● Add-ons: Options such as roadside assistance, zero depreciation, engine protection, and consumables cover can be added for wider protection.
● Transit Cover: Protection if your vehicle is being transported by road, rail, or water.
What’s Not Covered?
● Driving Without a Valid Licence: No claim is payable if the driver does not hold a valid driving licence.
● Under the Influence: Claims are invalid if the driver is under the influence of alcohol or drugs.
● Normal Wear and Tear: Regular ageing, depreciation, or routine maintenance is excluded.
● Mechanical or Electrical Failures: Breakdowns not caused by accidents are not covered.
● Unauthorised or Illegal Use: Damage while racing, carrying goods, or using the car for unlawful purposes is excluded.
● Policy Expiry: Claims cannot be made if the Mahindra car insurance policy has lapsed.
● Geographical Limits: Losses outside India are not covered unless international coverage has been purchased.
● War and Nuclear Risks: Damage caused by war, mutiny, or nuclear activity is excluded.
● Consequential Losses: Indirect damages not directly caused by an insured event are not covered.
Mahindra car insurance add-ons
Enhancing your Mahindra car insurance with add-ons can provide extra protection and peace of mind. These optional covers help you manage unexpected costs and ensure your vehicle and personal belongings are well looked after.
Depreciation cover
This add-on ensures that if any parts of your Mahindra need replacement after an accident, you get the full claim amount without deductions for depreciation. It is especially useful for newer vehicles.
Roadside Assistance
Get 24x7 support for emergencies like towing, flat tyres, battery jumpstarts, or fuel delivery. This add-on ensures help is available whenever and wherever you need it.
Engine Protect Cover
Covers repair costs for engine damage caused by oil leaks or water ingress, helping avoid large out-of-pocket expenses.
Consumables Cover
Reimburses the cost of consumables like lubricants, nuts, and bolts used during repairs. This is not typically covered under a standard policy.
Key Replacement Cover
Covers the expense of replacing lost or stolen car keys, saving you the hassle and cost of replacements.
Tyre Protection Cover
Protects against the cost of repairing or replacing damaged tyres due to accidents or road hazards.
Return-to-Invoice Cover
If your Mahindra is stolen or declared a total loss, this cover pays the full invoice value, not just the Insured Declared Value (IDV).
Personal Belongings Cover
Reimburses the value of personal items stolen from your vehicle or damaged in an accident, giving extra protection beyond the car itself.
Why choose Zurich Kotak General Insurance for your Mahindra car insurance?
When you own a Mahindra, you want insurance that is easy to manage, reliable in emergencies, and worth the price you pay. Zurich Kotak General Insurance makes it simple to protect your car while giving you the flexibility to choose cover that suits your needs.
Comprehensive Protection
Your Mahindra car insurance covers own damage, theft, natural disasters, and third-party liabilities. It also includes personal accident cover of up to ₹15 lakh for the owner-driver, giving you peace of mind on every journey.
Quick and Simple Policy Issuance
Getting Mahindra car insurance online takes only a few minutes. The process is quick, paperless, and your cover starts immediately after payment is made.
Affordable Premiums and Savings
The Mahindra car insurance price is designed to stay affordable. You can save more with online discounts and No Claim Bonus benefits of up to 50% for claim-free years. You can save more by opting for voluntary deductibles or by installing ARAI-approved anti-theft devices.
Large Cashless Garage Network
With access to over 4,600 authorised cashless garages across India, repairs are convenient and stress-free. Zurich Kotak settles the bills directly with the garage, so you only pay for deductibles and non-covered items.
Coverage You Can Customise
Add-ons like zero depreciation, engine protection, roadside assistance, or consumables coverage enable you to tailor your policy to your Mahindra and your driving style.
Fast and Dependable Claims Support
Claims are processed quickly, with approvals and settlements handled directly at network garages. This makes the experience smooth and less stressful during an already difficult time.
24/7 Assistance
Whether it is a breakdown, claim, or renewal query, customer support is available at any time of the day or night.
Easy Renewals
Mahindra car insurance renewal is simple to do online. You can keep your No Claim Bonus and ensure your cover continues without a break.
How to Buy Mahindra Car Insurance Online?
Purchasing a Mahindra car insurance online with Zurich Kotak is quick and simple:
This paperless process saves time and ensures uninterrupted protection.
Visit the official Zurich Kotak General Insurance website and enter your Mahindra car’s registration details along with personal information.
Choose your policy type (Comprehensive, Own Damage, or Third-Party) and select any desired add-ons like zero depreciation or roadside assistance.
Review premium and coverage details carefully, then proceed to make a secure payment online via debit/credit card or net banking.
Receive your digital policy instantly through email and SMS.
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How to renew Mahindra car insurance for old cars?
Renewing your Mahindra car insurance online is quick and convenient with Zurich Kotak. Here’s how you can renew smoothly:
Visit the Renewal Page: Head to Zurich Kotak’s car insurance renewal portal.
Enter Policy Details: Provide your current Mahindra car insurance policy number along with your registered mobile number or customer ID.
Verify Vehicle and Coverage Information:Check your Mahindra’s registration details and review the coverage under your existing plan.
Customise Your Cover: For older cars, you can adjust your plan by adding or updating add-ons such as roadside assistance, zero depreciation (if applicable), or engine protection cover for added peace of mind.
Make a Secure Online Payment: Complete the Mahindra car insurance renewal using a debit/credit card, UPI, or net banking.
Receive Instant Digital Policy: Your renewed Mahindra car insurance price and policy documents will be sent instantly via email and SMS, with no paperwork required.
How to make a claim for a Mahindra car insurance policy at Zurich Kotak General Insurance?
The process is straightforward and designed to be stress-free. Here’s a step-by-step guide:
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents required for claiming Mahindra car insurance
Get familiar with the documents needed for speedy claim process
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
How to download Your Mahindra car insurance policy copy
Here is your step-by-step guide to access your policy copy
Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your Mahindra car insurance policy copy from our website.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Frequently Asked Questions
The Mahindra car insurance price depends on several factors, including the car’s Insured Declared Value (IDV), model, variant, age, location, engine capacity, claim history, add-ons chosen (such as zero depreciation or engine protection), and the type of policy selected. Generally, a newer model, higher IDV, or larger engine capacity leads to a higher premium.
Yes, the model and variant directly impact the premium. Premium variants or SUVs with larger engines typically attract higher premiums due to their higher repair and replacement costs.
Yes, every Mahindra car insurance policy includes Compulsory Personal Accident Cover for the owner-driver, with a minimum cover of ₹15 lakh as required by IRDAI regulations.
Yes, zero-depreciation cover can be added to a comprehensive Mahindra car insurance policy. It is especially useful for vehicles under five years old, as claims are settled without deducting depreciation on replaced parts.
Yes, roadside assistance is available as an add-on. It provides services such as towing, emergency fuel delivery, jump-starts, tyre changes, and minor on-spot repairs, adding more value to your Mahindra car insurance policy.
NCB reduces the renewal cost of Mahindra car insurance by rewarding claim-free years with discounts ranging from 20% to 50%. However, the bonus resets if a claim is made.
Yes, installing ARAI-approved anti-theft devices can reduce your Mahindra car insurance price, as they lower the risk of theft. Insurers usually provide this benefit through discounted premiums.
Yes, the IRDAI guidelines permit long-term options, such as a three-year third-party cover for new Mahindra cars. Comprehensive policies are typically offered on an annual basis, but some insurers may also provide them for multi-year terms.
Yes, the NCB benefit is linked to the policyholder rather than the vehicle. It can be transferred when purchasing a new Mahindra, provided the required documents are shared during the policy issuance or renewal process.
Yes, buying Mahindra car insurance online is secure when done through official insurer platforms. It offers instant issuance, safe payment options, and easy access to digital policy copies, making the process straightforward and reliable.