Key Add-Ons to Consider for Your MG Car Insurance Policy

Posted on: Apr 11, 2024 | 3 mins | Written by: HDFC ERGO Team

Key Add-Ons to Consider for Your MG Car Insurance Policy

Morris Garage, popularly known as MG, holds a storied history in the automotive industry, tracing its roots back to the early 20th century in Oxford, England. Established in 1924, MG has since become synonymous with a timeless British motoring heritage, just as HDFC Ergo is in terms of car insurance, renowned for its iconic sports cars and classic designs. From the legendary MG T-Series to modern-day SUVs and electric vehicles, MG has consistently captivated enthusiasts with its blend of performance, style, and innovation. With a legacy spanning nearly a century, MG continues to evolve, embodying a fusion of tradition and cutting-edge technology, making it a beloved marque cherished by car aficionados worldwide.

Below we have listed some of MG’s top-selling cars and the common MG car insurance most MG car owners hold!

Top MG Car Models

MG Hector:

Introduced as the flagship model in 2019, the MG Hector underwent significant updates in 2021, boasting enhanced features, a spacious interior, and a smooth driving experience. Equipped with advanced connected car technology, stylish alloy wheels, ventilated front seats, and a revamped front grille, this SUV competes fiercely in its segment, distinguishing itself with its innovative iSmart technology and commanding road presence.

MG ZS EV:

The MG ZS EV, unveiled in India in 2020, marked a milestone as the country's inaugural fully electric SUV. Its refreshed version in 2021 draws inspiration from celestial motifs, presenting a design that seamlessly blends modernity with subtlety to appeal to a diverse range of buyers. Achieving a 5-star NCAP safety rating, this subcompact crossover SUV boasts impressive acceleration, clocking 0-100 mph in just 8.5 seconds, along with an impressive range of 419 kilometres, setting it apart from competitors.

MG Hector Plus:

The MG Hector Plus extends the Hector lineup with a three-row variant, featuring individual captain seats in the second row for added comfort. Available in 6 and 7-seater configurations, with diesel, petrol, and hybrid petrol engine options, this model offers a feature-rich and spacious interior, along with a commanding presence on the road, making it a compelling choice for those considering vehicles like the Innova Crysta.

MG Gloster:

Positioned to challenge established large SUVs, the MG Gloster boasts an array of advanced features, including Level-1 autonomous driving capabilities, a comprehensive suite of safety features, and intelligent 4-wheel drive. With its imposing exterior design, ample cabin space, and cutting-edge connected car technology, the Gloster presents a formidable competitor in its segment.

MG Astor:

In the fiercely competitive compact SUV segment, the MG Astor distinguishes itself with its Advanced Driver Assistance System and unique AI assistant. Featuring premium interior finishes, including leatherette seats and upholstery, and a convenient digital key function, the Astor's standout feature is its AI assistant, which adds a human-like touch to car interactions, controlling various functions such as the sunroof, climate control, and media playback with charm and sophistication.

Top Add-On Insurances To Secure Your MG Car

While some car insurance like third party car insurance is mandatory, here are some add-ons to sweeten the deal:

1. Standalone Own Damage Cover:

Ideal for those with existing third-party car insurance, this policy provides comprehensive insurance protection without the mandatory third-party liability component. It covers accidents, natural calamities, fire, and theft, with the option of add-ons.

2. Roadside Assistance:

This service provides aid in the event of an unfortunate mishap or breakdown, offering assistance such as emergency towing, flat tire service, fuel delivery, general repairs, and more.

3. Accessories Cover:

This coverage extends to high-value accessories like a premium stereo system, instrument console, or reverse camera, ensuring they are protected in case of damage or theft.

4. Consumables Cover:

Unlike the basic plan, this optional add-on covers the cost of consumables such as engine oil, coolant, brake fluid, and other essential items, offering added financial protection.

5. Engine Protection Cover:

This additional coverage safeguards your car's engine from potential damage, including protection against physical harm to the gearbox, oil leakage, or water ingress, providing peace of mind for unforeseen circumstances.

Here are some features you will find common in MG car insurance policies:

1. Third-party damage coverage:

Protection against damages to third-party property/person in accidents caused by the insured MG car.

2. Own Damage Cover:

Coverage for damages sustained by the MG vehicle due to theft, fire, collision, and natural disasters.

3. No Claim Bonus (NCB):

Opportunity to earn NCB benefits up to 50% by not raising any claims consecutively for five years, with NCB slab starting from 20%.

4. Cashless Garages:

Access to a wide network of 6700+ cashless garages for free maintenance and replacement services.

5. Riders:

Opportunity to enhance coverage with 8+ add-on covers, such as zero depreciation, roadside assistance, etc., when purchasing MG car insurance with HDFC ERGO.

Conclusion

Whether you're a cautious driver or seeking comprehensive coverage, HDFC Ergo's range of Morris Garages car insurance ensures you're adequately protected against the uncertainties of Indian roads. Morris Garages car insurance offers flexibility and ensures complete coverage for any situation, even the legal fees, in case someone sues for an accident involving your car!

FAQs

• Does MG car insurance cover personal accidents?

Yes, personal accident covers both pre and post-hospitalisation charges.

• Does MG car insurance cover fire or thefts?

Yes, MG car insurance covers fires, explosions, thefts and even natural calamities!

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Exploring the Value of Car Insurance Add-Ons: Enhancing Protection and Peace of Mind

Engine Protection Add on Cover in Car Insurance

Demystifying Add-on Covers for Comprehensive Car Insurance

Add-On Covers For Your Car Insurance Policy

Understanding The Various Add-Ons Available For Your Car Insurance Policy