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Home / Motor Insurance / Car Insurance / Car Insurance for Make and Model / Morris Garages

Morris Garages Car Insurance Online

morris garages car insurance online

Every Morris Garages owner should have MG car insurance to protect their expenses against vehicle damage due to fire, theft, burglary, flood, earthquake, etc. Morris Garages was founded by William Morris in the 1920s. Presently, Morris Garages ownership is under the state-owned Chinese SAIC Motor Corporation Limited and it has a headquarter in London. MG Motor India was founded in 2017 as a wholly-owned Indian subsidiary with production and sales beginning in 2019 from a revamped factory. Currently MG cars India offers 6 new models in India with price starting at Rs. 6.98 lakh and going upto Rs. 42.99 lakh.

You can buy Morris Garages car insurance online from HDFC ERGO. You can opt for standalone own damage or comprehensive or third party cover. For complete protection of luxury vehicle like Morris Garages it is wise to opt for comprehensive car insurance plan. With high end model like MG Hector and MG Astor, you should customise MG Hector insurance or MG Astor insurance with unique add-ons like roadside assistance, engine gearbox protection, zero depreciation, etc. You can check MG car insurance quote on HDFC ERGO website.

Types of Morris Garages Car Insurance HDFC ERGO Offers

With the highest number of reported cases in the world, India is a high-risk country for road accidents. Factoring in unreported cases makes the situation even grimmer, with the need to have protective measures in place, for the well-being of your car, and your finances. A good car insurance policy for your MG car will go a long way in keeping your car and finances in good shape. Here’s a list of the types of policies that HDFC Ergo provides that cover the entire range of requirements that one may need.

A single-year comprehensive car insurance policy provides coverage against damage to your own vehicle, as well as the mandatory third-party liability cover, that protects against financial obligations to a third-party person. You also get the mandatory personal accident cover of Rs. 15 lakh, while your car is protected against natural or man-made causes, as well as theft.

X
Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

This is a mandatory policy that every vehicle on the road must be equipped with, to be able to drive legally on Indian roads. It protects the owner against financial liabilities to the aggrieved third-party person, as a result of an accident involving your vehicle. When every car has a third party car insurance policy, the financial and mental stress on car owners is collectively reduced as they know they are financially protected, regardless of whether they are the perpetrator or victim of the accident.

X
Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

The standalone own damage cover policy is like a comprehensive insurance policy without the mandatory third-party liability component. This policy is best suited for those with an existing third-party policy, looking to consolidate their insurance coverage.

X
Suitable for those who already have a valid third-party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

Designed by the experts so you don’t have to create an insurance plan for your vehicle, this comes with a three-year third-party liability insurance policy and an annually renewable own damage component. This offers you’re the flexibility of choosing your insurance coverage, while also having your car insured continuously, and for longer.

X
Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

Inclusions & Exclusions of Morris Garages Car Insurance

The extent of coverage will depend on the plan that you choose for your MG car. A comprehensive MG car insurance policy will usually include the following:

covered in morris garages car insurance policy - accidents

Accidents

Accidental damage is covered under the own damage component of your policy.

covered in morris garages car insurance policy - fire and explosion

Fire and explosion

The own damage component also takes care of the damage due to fires and explosions to your vehicle.

Covered in Car insurance policy - theft

Theft

While modern cars come with modern anti-theft measures, there’s still a chance of cars getting stolen due to inherent technology or human error. Your MG is financially protected in such cases.

covered in morris garages car insurance policy - Calamities

Calamities

Natural or manmade, we provide financial coverage across a wide range of calamities such as storms, floods, earthquakes, vandalism and riots.

coverd in morris garages car insurance policy - personal accident

Personal Accident

The personal accident cover takes care of your treatment charges, including pre and post-hospitalisation costs in case of an accident.

coverd in morris garages car insurance policy - third party liability

Third Party Liability

Injury to a third-party person or damage to their property is taken care of with the third-party liability component of your insurance policy.

Add-ons For Your Morris Garages Car Insurance

When you buy MG car insurance, you can enhance the coverage through add-ons. Here are some riders you can opt for.

Boost your coverage
Zero Depreciation Cover in Car Insurance

When you raise a claim, the insurer pays you for repair expenses after deducting the depreciation amount. However, with the zero depreciation add on cover you will get coverage for the entire repair amount.

No Claim Bonus in Car Insurance

Usually, if you file a claim during policy year, you will loose No Claim Bonus benefit. However, with no claim bonus protection cover, you can file up to three claims each year and keep the NCB intact. No Claim Bonus benefit will help you avail discount during car insurance renewal.

Emergency Assistance Cover in Car Insurance

If your Morris Garages car breaks down or you lose the keys, roadside assistance or emergency assistance add on cover will help you get services like with towing and mechanical services.

Engine and gearbox protector cover in car insurance

This add on cover can be beneficial with MG Hector insurance or MG Astor insurance as it can help policyholder get coverage if water infiltration or lubricating oil leaks damage your engine or gearbox. 

Car Insurance Add On Coverage
Cost of Consumables cover in car insurance

Consumable Cover

Lubricants, brake oil, and engine oil are necessary for smooth functioning of high end vehicles like Morris Garages. This rider takes care of such expenses.

Return to Invoice Cover in Car Insurance

With your MG car insurance you can consider buying Return to Invoice (RTI) add-on cover. RTI will help the policyholder get a coverage amount equivalent to the invoice value of the vehicle if the car is untraceable or damaged due to fire.

Loss of Personal Belonging - best car insurance in india

Loss of Personal Belonging

This add-on cover provides coverage for the loss of your belongings such as laptops, mobile, and vehicle documents like registration certificates, etc.

Pay as you drive cover

With pay as you drive add-on cover, you can avail discount on the own-damage premium during policy renewal. If you drive less than 10,000km, you can claim benefits up to 25% on the basic own-damage premium at the end of the policy tenure.

Popular Morris Garages Car Models

1
MG Hector
Launched in 2019 as the flagship model, the Hector saw a thorough facelift in 2021 with new features, a spacious cabin, and a comfortable ride. The SUV is also aided by connected car technology, alloy wheels, ventilated front seats, a redesigned front grille, and a beige interior colour scheme. It fits into an ultra-competitive SUV segment but has managed to hold its own due to its unique iSmart technology and superior road presence.
2
MG ZS EV
This subcompact crossover SUV was launched in India in 2020 and billed as India’s first fully-electric SUV. The facelifted version of 2021 is inspired by celestial elements and comes in a design that does not look out of place. The styling is modern, yet understated, to appeal to all categories of car buyers, and comes with a 5-star NCAP safety rating. It has a segment-best acceleration of 0-100 kmph in 8.5 seconds and a range of 419 kms, thus, outlasting its competition.
3
MG Hector Plus
This is the three-row variant of the MG Hector, with individual captain seats in the second row to provide extra comfort. You get 6 and 7-seater options with diesel, petrol, and hybrid petrol engine options. While there is no option of automatic transmission with the diesel engine, its feature-rich and spacious interior and imposing road presence is enough to persuade admirers of Innova Crysta.
4
MG Gloster
The MG Gloster has the well-established big SUVs in its crosshair and enough ammunition to take them down. It is India’s first Level-1 autonomous SUV, with features such as 360-degree camera view, blind-spot detection, automatic emergency braking, auto-park, forward collision warning, lane departure warning, cruise control, intelligent 4-wheel drive, and connected car technology. Add to that the imposing road presence, and segment-best cabin space, the Gloster has everything going for it.
5
MG Astor
The compact-SUV segment is perhaps the most hotly contested in India with each vehicle carving out a niche for itself. The Astor stands out with its Advanced Driver Assistance System and its segment-first AI assistant. The interiors feel premium with leatherette seats, and upholstery, and a tactile steering wheel. With a digital key, you can switch on the car and drive it with Bluetooth on your phone. But the highlight of the vehicle is the AI assistant on the dashboard which can turn, think, blink, and communicate very cutely and in a human-like manner. It can control car functions such as the sunroof, driver side window, climate control, calls, navigation and media.

Morris Garages Car Model Price

Model Price Range
MG Hector Rs.14.95 - 21.95 Lakh*
MG Astor Rs.9.98 - 17.90 Lakh*
MG Gloster Rs.37.50 - 43 Lakh*
MG Comet EV Rs.6.99 - 8.58 Lakh*
MG Hector Plus Rs.17.75 - 22.68 Lakh*
MG ZS EV Rs.18.98 - 25.08 Lakh*

Note: Above listed prices are ex-showroom price New Delhi. Prices will differ slightly as per the location.

How To Calculate Premium For Your Morris Garages Car Insurance

While buying Morris Garages car insurance policy, it is necessary to know how its premium is calculated. Here’s a step-by-step guide for calculating MG car insurance premium

  • Step 1: Visit the HDFC ERGO website and navigate to car insurance page. Enter your Morris Garages vehicle registration number and proceed by clicking on get a quote.

  • Step 2: After clicking on get a quote, you will have to enter your Morris Garages’ model.

  • Step 3: You must choose between a third party car insurance and a comprehensive car insurance plan

  • Step 4: Give details about your last insurance policy- Date of Expiry, No Claim Bonus Earned and Claims Made. Enter your mobile number and email ID.

  • Step 5: You can now view your car insurance premium. If you have chosen a comprehensive plan, you can customise your plan further by selecting add-ons like, no claim bonus protection, engine gearbox protector, emergency assistance, return to invoice and more.

Calculating car insurance premium at the HDFC ERGO website is smooth and easy. You can also use our car insurance premium calculator for your convenience.

How to Buy/Renew Morris Garages Car Insurance Online?

Buying/Renewing your MG car insurance policy is quick and easy with insurers having moved their core operations online as well. Simply log onto the website and enter your details, choose the policy, and make the payment – all done in a matter of minutes from the comfort of your own home.

  • renew morris garages car insurance policy
    Step #1
    Visit HDFC ERGO website and choose to buy or renew your policy
  • Step #2
    Step #2
    Enter your car details, registration, city, and previous policy details, if any
  • Step #3
    Step #3
    Provide your email ID, and phone number, to receive the quote
  • Step #4
    Step #4
    Make the online payment and get covered instantly!

How To Buy Car Insurance For a Secondhand Morris Garages Car

If you have purchased a secondhand Morris Garages, it is equally as important to buy car insurance policy as it is for the new one. Here’s how you can buy secondhand Morris Garages Car Insurance Policy:
1. Visit HDFC ERGO website fill in the details, including your second hand Morris Garages car registration number, mobile number and email address.
2. Enter the policy details and riders you would like to opt for.
3. Complete the process by paying the premium amount via online payment.

A confirmation mail along with the policy will be mailed to you.

Few things to keep in mind before buying second hand car insurance:
• IDV (Insured Declared Value) - The IDV is the market value of your car. Since your MG car is old, the IDV too would be on lower side. Depending on how old your vehicle is, choose your IDV wisely. The IDV directly affects your premium.
• Add-ons – You can opt for add on cover along with comprehensive car insurance cover and stand alone own damage car insurance policy. However, choose add on cover which is required for your old MG car.

Morris Garages Cashless Car Insurance Claim Process

• Register the Morris Garages car insurance claim on our website.

• After claim registration, the policyholder receives a claim registration number which can be used for future communications/references.

• The policyholder should take the damaged car to a network garage in case of cashless claims. If the insured takes the car to the garage of their choice, they will have to go for a reimbursement claim for repairs.

• Submit all the required documents with the surveyor.

• All damages / losses will be surveyed and assessed by our surveyor.

• HDFC ERGO claim’s team will confirms the liability and initiates the claim process.


Some important points which would help you in the Claims Procedure:

1. File an FIR at the nearest police station in case of property damage, bodily injury, theft and major damages.

2. If damage is a major one, the accident may be reported before the vehicle is removed from the spot so that the insurers can arrange for spot inspection of damage.

3. In the event of injury, death, third party property damage, theft, damage due to malicious act, riot, strike and/or terrorist activity, immediate information to the police station concerned is essential.

Morris Garages Reimbursement Car Insurance Claim Process

While opting for a Morris Garages Reimbursement Car Insurance Claim, here are the steps you have to follow:
Step 1: Notify HDFC ERGO claim’s team about the claim. To do so, you can visit our website or call our customer care team.
Step 2: In the case of an accident, make sure you file an FIR.
Step 3: If you take your vehicle to the nearest garage which is not part of HDFC ERGO’s cashless garage network, you will have to firs pay for the bill.
Step 4: Once your car has been repaired, make sure to retain all bills.
Step 5: When submitting your claim form, you must also submit all pertinent bills. You will then be reimbursed for your expenses after you pay for the associated deductibles.

Documents Required To Raise MG Car Insurance Claim

Accident Claims

1. Registration Certificate (RC) Book copy of your Morris Garages car.

2. Driver's license copy of the individual driving the insured vehicle at the time of the incident.

3. Copy of FIR filed at the nearest police station.

4. Repair estimates from the garage.

5. Know Your Customer (KYC) documents

Note: If your MG car accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.

Theft Claims

1. RC Book copy and original keys of your MG vehicle

2. FIR filed at the police station as well as the final police report

3. RTO transfer papers

4. KYC Documents

5. Letter of Indemnity and Subrogation

 

 

Why HDFC ERGO Should be Your First Choice?

Your MG vehicle needs car insurance that is reliable, effective, and easy to claim. Furthermore, it must be applicable across your geographical region. And that is why HDFC Ergo makes for a compelling choice, with over one crore happy customers, savings on premiums, easy claims process, and extensive reach.

Discount on premium

Discount on premium

You can save up to 70% on your car insurance with HDFC Ergo. Furthermore, enjoy up to 50% NCB discount on your own damage premium, to keep your insurance costs low.

  Cashless garages

Cashless garages

Minimise your out-of-pocket expenses with over 7100 cashless garages across the country.

Extensive family

Extensive family

With over 1.6 crore customers, rest assured that we know your needs.

Overnight services for morris garages car

Overnight service

Our overnight repairs service ensures that you get a good night’s sleep while your car is repaired just in time for your use the next day.

morris garages car insurance claims

Easy claims

Making claims is easy and quick. We process over 80% of car insurance claims on the day of filing the claim.

Did you know
1 million kilometers of road in India are badly constructed.
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Frequently Asked Questions


Currently, with any new car, you will get a multi-year insurance package policy as per government directives. This is to ensure that all cars on the roads are insured, and adequately so, for a longer period.
Unfortunately, it will. But it’ll also help you stay insured adequately for a longer time. However, you can use your accumulated NCB to reduce your upfront insurance cost. The NCB is preserved up to 90 days of policy expiry.
It is recommended to continue purchasing a comprehensive insurance policy as it will keep you financially protected against several scenarios, most of which would be unpredictable, and financially damaging. Third-party liability insurance is only recommended if you’re looking to sell your car and buy a new one.
Compare different policies to understand your financial obligation. Select the optimum Insured Declared Value to ensure optimum coverage. Do not be tempted by lower IDV as it could lead to underinsurance, while a higher IDV may not be cost-effective. Make the most of the add-on covers on offer, based on your specific circumstances. You can avail of an NCB Protection add-on as well if you think you might be making a claim.
Morris Garages is a legacy British auto company that has since been owned by Shanghai's SAIC Motor.
MG Motor started producing vehicles in India since 2019.
MG offers 6 car models in India, including 5 cars in SUV category, 1 car in Hatchback category.
MG car scores five star in ANCAP safety ratings. Hence, you can trust the safety feature of MG car.
The geographical location, fuel variant, IDV and the model type will affect Morris Garages car insurance premium amount.
You can buy MG car insurance online through HDFC ERGO website.
You can renew MG car insurance online via HDFC ERGO website.
Yes, if your MG Hector insurance has expired, the insurer will inspect your car before renewal. At HDFC ERGO, you can even opt for self-inspection while renewing MG car insurance.
No, repairing MG car after an accidental damage is absolutely free at HDFC ERGO cashless garage network.
You can reduce MG insurance cost by choosing an appropriate IDV and avoid opting unnecessary add-on covers. By installing safety security equipment can also help reduce premium. Apart from that, you can use No Claim Bonus benefit during policy renewal, however it is applicable if you have not raised any claim during the policy period.
Morris Garages is an high end luxurious car. Any accidental damage will lead to high repair cost. Hence, insurance for MG car insurance is expensive.
The lowest priced model in Morris Garages is Comet EV priced around Rs 7 lakh, while Gloster is the most expensive with starting range from Rs 38 lakh.
The registration certificate, PUC certificate, address and ID proof of the policyholder are some of the mandatory documents for buying MG Car insurance.
No, IDV customisation is possible only if you buy a comprehensive insurance plan for your MG car.