Mahindra Thar Car Insurance
Secure your Mahindra Thar with Zurich Kotak’s trusted insurance – buy/renew instantly online
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
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Note: The above data is till 1st April, 2025
Buy/Renew Mahindra Thar car insurance policy online
The Mahindra Thar is a symbol of style, adventure, and rugged reliability. Whether you’re cruising city streets, conquering off-road trails, or setting out on long highway journeys, the thar’s robust design and advanced safety features keep you in control.
With its bold design, powerful engine, and versatile 4x4 capabilities, the thar has become a lifestyle statement for adventurers and families alike. But with great power comes the responsibility of securing it against unforeseen risks.
Accidents, natural calamities, theft, or third-party liabilities can create unexpected financial burdens. Protecting your thar with Zurich Kotak car insurance ensures that your adventures remain worry-free, with financial security backing every mile you drive.
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Types of insurance plans for Mahindra Thar car insurance
Zurich Kotak offers three policy types for thar owners:
● Combines third-party liability and own damage coverage.
● Allows add-ons like zero depreciation, consumables cover, and return-to-invoice.
● Recommended for complete, all-round protection of your Mahindra Thar.
● Legally mandatory under the motor vehicles act.
● Covers bodily injury, death, or property damage caused to third parties.
● Does not cover damages to your thar.
● Covers your thar against accidental damage, fire, theft, and natural/man-made calamities.
● Ideal if you already have third-party liability cover and want to secure your SUV.
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Benefits of buying Mahindra Thar car insurance online
When you choose Zurich Kotak to insure your thar, you enjoy convenience, transparency, and value:
● Instant policy issuance: get your thar car insurance in minutes with no paperwork.
● Affordable premiums: premiums tailored to your thar’s variant, age, and usage.
● Cashless garage network: nationwide access to authorised garages, including those equipped for suvs and 4x4s.
● 24x7 support: round-the-clock claims and customer assistance.
● Custom add-ons: personalise coverage with add-ons like zero depreciation, roadside assistance, and engine protection.
● Seamless renewals: renew online quickly, often without inspection.
● Safe payments: secure and trusted payment gateways.
● Complete transparency: detailed premium breakdown and clear inclusions/exclusions.
With Zurich Kotak, ensuring your thar is easy, reliable, and designed for adventure-ready protection.
Mahindra Thar car insurance coverage
What is covered under the Zurich Kotak thar car insurance policy?
● Loss or damage due to accidents, theft, fire, natural calamities, or man-made disasters.
● Third-party liability for bodily injury, disability, death, or property damage.
● personal accident cover for the owner-driver.
● Add-on coverages like zero depreciation, roadside assistance, engine protection, or return-to-invoice.
What is not covered under the Zurich Kotak thar car insurance policy?
● Normal wear and tear of parts.
● Mechanical or electrical failures not caused by accidents.
● Driving without a valid licence or under the influence of alcohol/drugs.
● Loss or damage outside the geographical limits of india.
● Damage caused during illegal activities such as racing or reckless driving.
Clear inclusions and exclusions help thar owners understand exactly how their suv is protected.
Why thar owners need comprehensive insurance
Owning a Mahindra Thar isn’t just about regular commuting; it’s often about adventure, off-roading, and long road trips. While thrilling, these activities expose your suv to higher risks of wear, damage, and accidents.
Comprehensive insurance ensures that you’re covered against:
● Accidents on highways or city roads.
● Off-road mishaps where parts like tyres, suspension, or engines face damage.
● Theft of the vehicle or accessories.
● Natural calamities like floods, earthquakes, and cyclones.
● Third-party liabilities that could otherwise drain your finances.
For an suv built to explore beyond limits, comprehensive coverage is the smarter, safer choice.
Mahindra Thar car insurance add-ons
Driving a rugged suv like the thar calls for insurance that matches its adventurous lifestyle. Zurich Kotak offers several add-ons to enhance your policy:
Depreciation cover
Ensures full claim value without depreciation deductions on replaced parts.
Roadside Assistance
Provides emergency help such as towing, fuel delivery, tyre replacement, or jump-start services.
Engine Protect Cover
Protects your thar’s engine and gearbox against water ingress, leakage, or oil failure.
Consumables Cover
Covers small but costly items like engine oil, screws, and brake fluid.
Key Replacement Cover
Covers the expense of replacing lost or stolen car keys, saving you the hassle and cost of replacements.
Tyre Protection Cover
Covers damage or replacement costs of thar’s larger, off-road tyres
Return-to-Invoice Cover
Compensates you with the original invoice value of your thar in case of total loss or theft.
Personal Belongings Cover
Protection against theft of personal items like mobile phones or laptops from your thar.
Why choose Zurich Kotak for Mahindra Thar car insurance?
Zurich Kotak combines reliability, flexibility, and customer-first service. Here’s why it stands out:
High claim settlement ratio
Proof of dependable coverage.
Extensive cashless garage network
Authorised centres across India, including suv specialists.
24x7 customer support
Assistance for claims, renewals, or emergencies.
Instant online services
From purchase to renewal to claims.
Affordable premiums
Competitive pricing without compromising coverage.
Tailored add-ons
Designed for suv and off-road needs.
Trusted global expertise
Zurich Kotak brings international standards to Indian car insurance.
Easy Renewals
Mahindra Thar 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 Thar car insurance?
Buying Zurich Kotak car insurance for your Mahindra Thar is quick and entirely digital. Here’s the step-by-step process:
Visit the official Zurich Kotak General Insurance website and enter your Mahindrar Thar car’s registration details along with personal information.
Review available plans – third-party car insurance, own damage car insurance, or comprehensive car insurance policy. & Customise with add-ons like zero depreciation, roadside assistance, or engine protection.
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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Factors affecting Mahindra Thar car insurance premium
The cost of your thar car insurance depends on multiple factors:
Insured declared value (IDV): higher IDV = higher premium but better coverage in case of total loss.
Car variant: premiums vary by model (ax, lx, diesel, petrol, automatic/manual).
Car age: older thars have lower IDV, reducing premium costs.
Location: insurance is costlier in metros with high accident/theft rates.
Add-ons: zero depreciation, tyre cover, or engine protection increase premiums but offer wider protection.
Policy type: comprehensive policies cost more than third-party but provide broader security.
Claim history: no claim bonus (NCB) gives up to 50% discount on premiums for claim-free years.
How to renew Mahindra Thar car insurance?
Renewing your thar car insurance is just as simple:
Timely renewal ensures uninterrupted coverage, preserves your no claim bonus (ncb), and prevents legal penalties for lapsed insurance.
Go to the Zurich Kotak renewal section.
Enter your existing policy number and car details.
Check your renewal premium and add-ons.
Pay online to renew instantly.
Download the updated policy copy from your email or customer portal.
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 to raise claim for Mahindra Thar car insurance
Keep these documents ready for smooth claim settlement:
Copy of your Zurich Kotak thar car insurance policy.
Registration certificate (RC) of the car.
Driving licence at the time of the incident.
Police FIR (mandatory for theft, third-party injury, or serious accidents).
Repair bills and cost estimates (for reimbursement claims).
Completed claim form issued by Zurich Kotak.
Any further requirements will be conveyed basis inspection
How to download your Mahindra Thar car insurance copy?
Zurich Kotak makes it easy to keep your policy accessible:
Having a digital copy ensures you always have proof of insurance when needed.
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
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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
Yes. If you’re switching insurers, your accumulated NCB can be transferred to Zurich Kotak, provided you renew within the grace period.
Yes. Off-road damages are covered under comprehensive insurance, provided they occur within the policy terms and conditions. Car insurance add-ons like tyre and engine protection enhance this further.
In case of theft, Zurich Kotak will settle the claim based on the insured declared value (IDV). Add-ons like return to invoice can ensure you get the full invoice price.
Yes. Both electrical (e.g., infotainment systems) and non-electrical (e.g., alloy wheels) accessories can be insured by declaring their value at purchase.
Yes. Comprehensive insurance covers damage due to floods, earthquakes, cyclones, and other natural disasters.
Instantly. Once payment is complete, the policy is emailed and also available in your customer portal.
Yes. A compulsory personal accident cover for the owner-driver is included. You can also extend cover for passengers by paying an extra premium.
Yes. Discounts are available for anti-theft devices, voluntary deductibles, and maintaining an NCB.
First, ensure safety and call emergency services if needed. Then, inform Zurich Kotak immediately, file an FIR if required, and begin the claim process with your documents ready.