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Customer RatingsMorris 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.
Features of Morris Garages Car Insurance
| Feature | Description |
| Third-party damage | MG car insurance covers damages to third party property/person due to the accident caused by the insured car. |
| Own Damage Cover | The Morris Garages car insurance policy covers the damage sustained by the vehicle due to theft, fire, collision, and natural disasters. |
| No Claim Bonus | You can earn No Claim Bonus benefit upto 50% if you don’t raise any claims during consecutively for five years. The NCB slab starts from 20% and you can avail the NCB benefit during car insurance renewal. |
| Cashless Garages | HDFC ERGO offers wide network of 8000+ cashless garages providing free maintenance and replacement services. |
| Riders | If you buy MG Car insurance with HDFC ERGO, you can enhance your coverage with 8+ add on covers like zero depreciation, roadside assistance, etc. |
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.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
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.
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.
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.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Benefits of Morris Garages Car Insurance
| Benefit | Description |
| Complete Coverage | MG car insurance covers practically every situation that could cause damage to your car. This could be due to flood, earthquake, fire, etc. |
| Legal charges | The insurer bear legal fees paid to your lawyer if someone files a lawsuit for an accident involving your car. |
| Adherence to law | You can avoid penalties, as third-party vehicle coverage is legally mandatory. |
| Flexible | You can customise comprehensive insurance policy by selecting a suitable add on cover like engine gearbox protector, no claim bonus protection, etc. |
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:
Accidents
Accidental damage is covered under the own damage component of your policy.
Fire and explosion
The own damage component also takes care of the damage due to fires and explosions to your vehicle.
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.
Calamities
Natural or manmade, we provide financial coverage across a wide range of calamities such as storms, floods, earthquakes, vandalism and riots.
Personal Accident
The personal accident cover takes care of your treatment charges, including pre and post-hospitalisation costs in case of an accident.
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.
With every insurance policy, there is a defined ambit of coverage. This means, there are a few cases that are not covered by your MG car insurance policy:
Depreciation
Unless you’ve taken a Zero Depreciation cover, depreciation is not covered under your policy.
Wear and tear
Natural wear and tear of components can cause them to malfunction over time. This is not covered under your insurance.
Electrical or mechanical breakdown
Electrical or mechanical breakdowns of any nature are not covered unless specific add-ons are taken.
Illegal behaviour
Driving under the influence of drugs or alcohol or not having a licence is not covered, as are other legal violations.
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.
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.
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.
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.
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.
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.
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
This add-on cover provides coverage for the loss of your belongings such as laptops, mobile, and vehicle documents like registration certificates, etc.
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
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.
Step #1Visit HDFC ERGO website and choose to buy or renew your policy
Step #2Enter your car details, registration, city, and previous policy details, if any
Step #3Provide your email ID, and phone number, to receive the quote
Step #4Make 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
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
Minimise your out-of-pocket expenses with over 7100 cashless garages across the country.
Extensive family
With over 1.6 crore customers, rest assured that we know your needs.
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.
Easy claims
Making claims is easy and quick. We process over 80% of car insurance claims on the day of filing the claim.
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