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MG Hector Insurance

Buy Reliance MG Hector Car Insurance starting at just ₹238/month*

Car Insurance Policy Online

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Introduction to MG Hector

The MG Hector is a remarkable SUV that has captured the attention of modern Indian drivers with its sophisticated design and advanced technological features. As a flagship model from MG Motor India, this vehicle represents a perfect blend of style, comfort and performance.

Owning an MG Hector is not just about possessing a car; it's about experiencing cutting-edge automotive innovation. With its sleek exterior, intelligent connectivity, robust build, and the advantage of MG Hector insurance, the Hector has quickly become a preferred choice for discerning car enthusiasts who seek both luxury and practicality in their driving experience.

How to Buy MG Hector Car Insurance - Online & Offline?

Steps to Buy MG Hector Car Insurance Online

Step 1: Visit Reliance General Insurance website

Step 2: Navigate to the "Car Insurance" or "Buy New Policy" section.

Step 3: Enter MG Hector vehicle details (model, registration number, manufacturing year).

Step 4: Provide personal contact information (mobile number, email address).

Step 5: Review the insurance quote, select the desired coverage and complete the online payment process.

Steps to Buy MG Hector Car Insurance Offline

Step 1: Locate your nearest Reliance General Insurance branch using the branch locator tool.

Step 2: Meet an insurance expert/agent in person at the branch.

Step 3: Discuss the available car insurance plans for your MG Hector.

Step 4: Select the appropriate coverage and fill out the physical application forms.

Step 5: Submit the required documents and complete the payment at the branch to receive your insurance policy.

Steps for MG Hector Insurance Renewal Online

  • Visit the Reliance General Insurance website.
  • Select the "Renew Car Insurance" option.
  • Enter your mobile number and verify with the OTP sent to your phone.
  • Choose additional coverage and add-ons to customise your policy.
  • Complete the online payment process and receive your renewed policy

Why Do You Need MG Hector Car Insurance?

Compliance with Laws

Securing a comprehensive car insurance policy for your MG Hector is not just a choice but a legal requirement in India. The Motor Vehicles Act mandates that every vehicle including MG Hector on Indian roads must have at least third-party insurance.

Financial Protection

Your MG Hector represents a significant financial investment and protecting it becomes paramount. A comprehensive car insurance policy shields you from substantial financial burdens that could emerge from unexpected damages, theft, or accidents.

Peace of Mind

Insurance transcends mere financial protection - it offers unparalleled peace of mind. With comprehensive coverage for your MG Hector, you can drive confidently without worrying about repairs or accidents. This psychological comfort is an invaluable benefit of having a robust car insurance policy.

Features and Benefits of Reliance Car Insurance for MG Hector

Hassle-Free Buying and Claiming Insurance

Reliance General Insurance understands the modern customer's need for convenience. Our digital-first approach ensures you can purchase and manage your MG Hector car insurance policy seamlessly online, with minimal paperwork and maximum transparency.

IDV Customisation

We offer personalised Insured Declared Value (IDV) options that accurately reflect your MG Hector's current market value. This ensures you receive fair compensation in case of total loss or theft, tailored specifically to your vehicle's worth.

Personal Accident Cover

Our insurance plans include comprehensive personal accident coverage, providing financial security for you and your family in unfortunate scenarios involving bodily injury or permanent disability.

Third-Party Liabilities

Protect yourself against legal and financial risks arising from third-party damages with our extensive coverage that goes beyond standard requirements.

24/7 Customer Support

Our dedicated customer support team is available round-the-clock to assist you with any insurance-related queries, claims, or emergencies, ensuring you're never alone in challenging situations.

No-Claim Bonus

Rewarding safe drivers, our policy offers attractive no-claim bonuses that progressively increase your savings for each claim-free year.

High Claim Settlement Ratio

With one of the industry's highest claim settlement ratios, Reliance General Insurance ensures quick, transparent and fair settlement of your claims.

Pay-As-You-Drive Insurance

Our innovative insurance model allows you to pay premiums based on your actual vehicle usage, offering more personalised and cost-effective coverage.

Wide Range of Add-Ons

Customise your MG Hector insurance with our extensive range of add-on covers, including zero depreciation, roadside assistance, engine protection and more.

Types of MG Hector Car Insurance Plans

MG Hector Third-Party Car Insurance

Third-party car insurance provides essential legal protection for MG Hector owners. This mandatory insurance covers damages caused to other vehicles or property in an accident. It shields you from financial liabilities arising from third-party injuries or property damage, ensuring compliance with legal requirements for your MG Hector vehicle insurance by Reliance General Insurance.

Buy Third-Party Car Insurance

MG Hector Comprehensive Car Insurance

Comprehensive car insurance offers the most extensive MG Hector insurance coverage. This plan combines third-party liability with its own damage protection, providing comprehensive safeguarding for your vehicle. It covers damages from accidents, theft and natural disasters and includes additional benefits of MG Hector car insurance from multiple risk scenarios.

Buy Comprehensive Car Insurance

MG Hector Own-Damage Car Insurance

Own damage car insurance specifically protects your MG Hector against physical damages. This policy covers repair costs resulting from accidents, vandalism, natural calamities and other unforeseen events. It ensures that your vehicle's repair expenses are taken care of, minimising out-of-pocket expenditures for MG Hector owners.

Buy Own-Damage Car Insurance

MG Hector Pay-As-You-Drive Insurance

An innovative insurance solution tailored for MG Hector owners who drive less frequently. This flexible insurance plan calculates premiums based on actual vehicle usage, offering a cost-effective approach to MG Hector yearly insurance. It provides proportional coverage that aligns with your specific driving patterns and mileage.

Buy Pay-As-You-Drive Car Insurance

MG Hector Insurance Inclusions and Exclusions

Inclusions Exclusions
Third-Party Damage ProtectionDamages Outside Geographical Coverage
Personal Accident Cover for Owner-DriverDriving Without Valid License
Accidental Damage to Own VehicleDriving Under Alcohol/Drug Influence
Protection from Lightning StrikesConsequential Losses
Fire and Self-Ignition CoverageRegular Wear and Tear
Theft or Burglary ProtectionMechanical Breakdowns
Natural Disaster CoveragePre-existing Damages
Transit Damage ProtectionUnauthorised Vehicle Modifications
Terrorist Activity DamageWar-like Operations
Nil Depreciation Add-OnNuclear Weapon Damages
Roadside Assistance (Add-on)Intentional Negligence
Engine Protection CoverContractual Liability Claims
Medical Expense Compensation (PA Cover)Damages Beyond Intended Vehicle Use

MG Hector Insurance Add-On Covers

Add-On Description
Return to Invoice Reimburses the full original invoice amount of your MG Hector in case of total loss, ensuring you receive the complete purchase value.
EMI Protection Cover Add-on reimburses up to 3 EMI loan payments if your MG Hector's repairs extend beyond 21 days.
Pay-As-You-Drive Insurance Allows customised premium calculation based on your actual driving frequency, offering a flexible and cost-effective insurance approach.
24x7 Roadside Assistance Provides comprehensive support during vehicle breakdowns, including tyre changes, battery jump-start, fuel delivery and emergency towing services.
Engine Protection Cover Offers financial protection against expensive engine repairs, covering critical mechanical and electrical components not included in standard policies.
Nil Depreciation Cover Ensures full claim amount without depreciation deductions, covering complete repair or replacement costs for your MG Hector.
NCB Retention Cover Helps maintain your No-Claim Bonus even when you file a claim, preserving your long-term insurance benefits and cost advantages.
Total Cover Provides comprehensive compensation for severe damage or complete loss of your MG Hector, offering maximum financial protection.
Tyre Protection Cover Covers financial expenses for repair or replacement of damaged tyres, protecting against unexpected tyre-related costs.
Consumables Cover Reimburses expenses for replacing consumable items like oil, nuts, bolts and other materials during accidental repair work.
Daily Allowance Benefit Covers alternative transportation expenses while your MG Hector is under repair, ensuring continuous mobility.
Key Replacement Cover Reimburses costs for replacing lost or stolen keys and lock systems, providing comprehensive security protection.
RIM Protection Covers repair or replacement costs for damaged wheel rims, protecting against expensive alloy wheel damage.
Loss of Personal Belongings Provides financial coverage for personal items stolen or damaged during theft or incidents involving your MG Hector.
Geo Extension Extends insurance coverage to foreign countries, ensuring protection during international travel.
Electrical Accessories Covers manufacturer-installed electrical accessories against damage or theft, protecting advanced technological components.
Non-Electrical Accessories Provides protection for non-electrical vehicle accessories against damage or theft, safeguarding additional customisations.
Emergency Hotel Accommodation Covers emergency accommodation costs if you're stranded due to vehicle breakdown during travel.

MG Hector Car Insurance Claim Process

Steps for MG Hector Insurance Claim: Cashless Repairs

  1. Contact Reliance General Insurance immediately after the incident. Use the dedicated helpline or Reliance Self-i App to report the claim within 24 hours of the accident.
  2. Bring your MG Hector to an authorised network garage. If the vehicle is immobilised, request towing services through the insurance company's support team.
  3. Complete the official claim form accurately. Gather all necessary supporting documents to facilitate a smooth claims process.
  4. A certified surveyor will thoroughly inspect the vehicle to verify the extent of damage and assess the claim's validity.
  5. Once the claim is approved, the authorised garage will proceed with repairs. We will directly settle the repair costs with the garage, minimising your out-of-pocket expenses.

Steps to Claim MG Hector Insurance Policy: Reimbursement Claims

  1. Initiate the claim process within 24 hours of the incident. Timely reporting is crucial for claim acceptance.
  2. Gather comprehensive evidence, including accident photos, videos, police reports (FIR) and witness statements to support your claim.
  3. Get your MG Hector repaired at any garage of your choice. Pay for the repairs upfront and retain all original invoices and payment receipts.
  4. Prepare and submit the claim form along with all repair bills, invoices and supporting documents to the insurance provider.
  5. After a thorough review of your submitted documents, we will process your reimbursement claim and credit the approved amount.

Documents for MG Hector Insurance Claim

  1. Fully completed and signed motor insurance claim form
  2. First Information Report (FIR) for theft or third-party liability incidents
  3. Vehicle registration certificate (RC) as ownership proof
  4. Original repair bills and payment receipts (for reimbursement claims)
  5. Specific claim-related forms (Forms 28, 29 and 30)
  6. Valid driver's license of the driver at the time of the incident
  7. Insurance policy certificate and policy number
  8. Additional documents as per the specific claim type

MG Hector Car Insurance Claims: Cashless vs. Reimbursement

Parameters MG Hector Cashless Insurance Reimbursement Claims
DefinitionInstant claim settlement at a network garagePay first, claim later method
ProcedureDirect payment by the insurer to the garageCustomer pays, submits bills for a refund
ConvenienceHigh with minimal out-of-pocket expenseLow - requires an upfront payment
DocumentationMinimal paperwork at the network garageDetailed bill submission required

MG Hector Car Insurance Premium

Car Specifications

The technical specifications of your MG Hector significantly impact insurance pricing. Factors like engine capacity, model variant, fuel type and additional features determine the insurance of MG Hector. More sophisticated models typically attract higher premium rates due to increased repair and replacement costs.

Coverage Requirements

The extent of MG Hector insurance coverage directly influences premium calculations. Comprehensive plans with extensive add-ons will naturally cost more than basic third-party coverage. Your chosen level of protection and additional MG Hector insurance add-ons play a crucial role in determining the final premium.

Vehicle's Insured Declared Value (IDV)

IDV (Insured Declared Value) represents the current market value of your MG Hector and forms a critical component of insurance pricing. As your vehicle depreciates, the IDV decreases, which impacts your insurance premium. Accurate IDV calculation ensures fair pricing and appropriate compensation in case of total loss.

Geographical Location

Your residential location significantly affects MG Hector car insurance premiums. Areas with more traffic, crime, or natural catastrophes may cost more to insure. Riskier urban locations have higher insurance premiums than rural places.

How to Calculate MG Hector Car Insurance Premium?

At Reliance General Insurance, calculating your MG Hector car insurance premium is a straightforward process designed to provide you with accurate and transparent pricing. Our online premium calculator allows you to quickly estimate the insurance cost for your MG Hector or MG Hector Plus model.

  • Simply visit our Premium calculator on Reliance General Insurance website and enter your vehicle's specific details, including registration number, model variant and personal information.
  • The calculator considers multiple factors, such as the car's age, variant, geographical location and your chosen coverage level, to generate an instant premium quote.
  • We analyse your vehicle's specifications, previous insurance history and desired protection levels to offer the most competitive MG Hector car insurance premium.

    Whether you own a new or second-hand MG Hector, our digital platform ensures you get a precise and customised insurance price that matches your specific requirements and provides comprehensive protection.

How to Buy Second-Hand MG Hector Car Insurance?

  1. Collect essential ownership transfer documents, including Form 29, Form 30, RC transfer papers and previous insurance records to prepare for the insurance application process.
  2. Schedule a comprehensive inspection with Reliance General Insurance to assess the second-hand MG Hector's condition, determine its current value and establish an accurate insurance premium.
  3. Choose the most suitable insurance plan for your second-hand MG Hector, considering comprehensive coverage, add-on protections and your specific vehicle requirements.
  4. Visit our official website, upload the necessary documents and complete the digital application process for your second-hand MG Hector car insurance.
  5. Review the final insurance details, make the payment and receive your instant policy documentation with complete protection for your pre-owned MG Hector.

MG Hector Insurance Price: Third-Party Insurance Premium

MG Hector Car Insurance Rates for Private Cars

Engine Capacity Premium for One Year (in ₹)
Up to 1000 cc2,094
Above 1000 cc up to 1500 cc3,416
Above 1500 cc7,897

MG Hector Car Insurance Rates for Electric Cars

Battery Premium for One Year (in ₹)
Up to 30 kW1,780
Above 30 kW up to 65 kW2,904
Above 65 kW6,712

MG Hector - Overview and USPs

Design and Exterior Styling

The MG Hector represents a bold statement in contemporary SUV design, featuring a striking exterior that combines modern aesthetics with robust engineering. Its muscular silhouette, distinctive grille and sleek LED lighting create a commanding road presence that sets it apart from competitors in the mid-size SUV segment.

Technological Innovation

At the heart of the MG Hector lies an advanced technological ecosystem that transforms driving into a connected experience. The vehicle boasts an industry-leading internet-enabled infotainment system with voice recognition, real-time navigation and seamless smartphone integration. This i-SMART technology allows drivers to control various vehicle functions remotely, making it a truly intelligent mobility solution.

Performance and Powertrain Options

MG Hector offers remarkable versatility through its diverse powertrain configurations. Customers can choose from petrol, diesel and hybrid variants, catering to different performance preferences and efficiency requirements. The powerful engine options deliver an optimal balance between performance and fuel economy, ensuring a dynamic driving experience across various road conditions.

Safety and Advanced Features

Safety takes precedence in MG Hector's design philosophy. The SUV has modern safety features that help drivers, such as adaptive speed control, lane departure warning and emergency brake support. Multiple airbags, robust structural engineering and comprehensive safety features provide enhanced protection for both driver and passengers.

Interior Comfort and Premium Experience

The interior of the MG Hector redefines comfort and luxury in its segment. A spacious cabin featuring premium materials, ergonomically designed seats and a large touchscreen infotainment system creates an exceptional driving environment. Ample legroom, sophisticated climate control and thoughtful interior layout ensure a comfortable and enjoyable experience for both driver and passengers.

MG Hector - Models and Prices

Model Name Ex-Showroom Price (Rs)
MG Hector Style (Base Model)
Manual | Petrol
14,00,000
MG Hector Shine Pro
Manual | Petrol
16,74,000
MG Hector Shine Pro CVT
Automatic | Petrol
17,72,000
MG Hector Select Pro
Manual | Petrol
18,08,000
MG Hector Shine Pro Diesel
Manual | Diesel
18,58,000
MG Hector Smart Pro
Manual | Petrol
19,06,000
MG Hector Select Pro CVT
Automatic | Petrol
19,34,000
MG Hector Select Pro Diesel
Manual | Diesel
19,62,000
MG Hector Sharp Pro
Manual | Petrol
20,61,000
MG Hector Smart Pro Diesel
Manual | Diesel
20,61,000
MG Hector Sharp Pro CVT
Automatic | Petrol
21,82,000
MG Hector 100 Year Limited Edition CVT
Automatic | Petrol
22,02,000
MG Hector Sharp Pro SNOWSTORM CVT
Automatic | Petrol
22,14,000
MG Hector BlackStorm CVT
Automatic | Petrol
22,14,000
MG Hector Sharp Pro Diesel
Manual | Diesel
22,25,000
Hector 100 Year Limited Edition Diesel
Manual | Diesel
22,45,000
MG Hector Sharp Pro SNOWSTORM Diesel
Manual | Diesel
22,57,000
MG Hector BlackStorm Diesel
Manual | Diesel
22,57,000
MG Hector Savvy Pro CVT (Top Model)
Automatic | Petrol
22,89,000

MG Models for Which Reliance General Insurance Offers Coverage (Model Names)

MG WindsorMG Astor
MG Hector PlusMG ZS EV
MG Comet EVMG Windsor EV

Frequently Asked Questions (FAQs)

  1. What does MG Hector insurance cover?

    Reliance MG Hector car insurance online offers comprehensive protection for your vehicle. Our yearly insurance covers third-party liability, own damage, theft and personal accidents. Choose from plans with add-ons like roadside assistance, engine protection and nil depreciation. Protect your MG Hector against accidents, natural disasters and unexpected expenses with our flexible insurance options.

  2. How do I buy MG Hector insurance?

    Buy MG Hector car insurance easily online through Reliance General Insurance. Visit our website, select "MG Hector insurance renewal" or new policy, enter vehicle details and choose coverage. Our MG Hector insurance price calculator provides instant quotes.

    Complete the process by submitting documents, making online payments and receiving your instant policy for comprehensive vehicle protection.

  3. Are there discounts for MG Hector insurance?

    Enjoy attractive discounts on the best insurance for MG Hector cars with Reliance General Insurance. Accumulate no-claim bonus during yearly MG Hector insurance cost. We provide personalised MG Hector insurance price calculations based on your driving history, location and vehicle specifications, ensuring cost-effective and competitive insurance coverage.

  4. What's the claim process for MG Hector insurance?

    Our MG Hector car insurance claim process is seamless. Report incidents within 24 hours via our helpline or app. Choose between cashless insurance at network garages or MG Hector insurance reimbursement.

    Submit necessary documents like claim form, FIR and vehicle registration. Our experts inspect damages and settle claims transparently, ensuring minimal out-of-pocket expenses.

  5. Can I transfer my MG Hector insurance?

    Transferring MG Hector car insurance is straightforward with Reliance General Insurance. Collect ownership transfer documents for your second-hand MG Hector. Complete online registration, schedule vehicle inspection and update policy details.

    Our processes ensure seamless transfer with competitive pricing and comprehensive coverage for your pre-owned vehicle.

  6. How much does MG Hector insurance cost?

    MG Hector car insurance prices vary based on model and coverage. Our online insurance calculator provides transparent MG Hector insurance pricing. Third-party insurance ranges from ₹238 monthly*. Factors like MG Hector Plus model, geographical location and chosen add-ons influence the final MG Hector insurance price for comprehensive protection.

  7. What factors affect MG Hector insurance premiums?

    MG Hector car insurance premiums depend on factors like engine capacity, yearly insurance duration, vehicle age and add-on covers. Our online insurance calculator considers vehicle specifications, MG Hector model variant, geographical location and coverage extent to offer personalised, competitive pricing for comprehensive protection.

Disclaimers:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).

Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.

Comprehensive Car Insurance/Car Insurance UIN: Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy - Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) - 3 years, UIN: IRDAN103RP0003V01201819.

Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)

Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) - 3 years, UIN: IRDAN103RP0003V01201819

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