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MG Hector Insurance

The Hector is an SUV manufactured by the automobile maker, Morris Garages (MG). Having an engine capacity of 1451cc, the ex-showroom price of the MG Hector ranges between ₹13.49 lakh - ₹19.55 lakh. However, for a fabulous car like the MG Hector, it is important to get an extensive car insurance plan to secure the vehicle and protect your finances against major repairs. Right from accidental damage and theft to third-party liabilities and natural calamities, MG Hector insurance offers coverage against all such risks!

MG Hector Variants and Insurance Price

MG Hector Variants

MG Hector Ex-Showroom Price*

Fuel Type

Proposed Third-Party Premium Rates (Rs.) FY 2022-23

(effective 1* April, 2022)*

Style 1.5 Petrol Turbo MT

₹13.49 Lakh

Petrol

Rs. 3416

Shine 1.5 Petrol Turbo MT

₹14.51 Lakh

Petrol

Rs. 3416

Style 2.0 Turbo MT

₹14.98 Lakh

Diesel

Rs. 3416

Shine 1.5 Turbo CVT

₹15.71 Lakh

Petrol

Rs. 3416

Smart 1.5 Turbo Hybrid MT

₹16.44 Lakh

Petrol

Rs. 3416

Shine 2.0 Turbo MT

₹16.49 Lakh

Diesel

Rs. 3416

Smart 1.5 Turbo DCT

₹17.07 Lakh

Petrol

Rs. 3416

Smart 1.5 CVT

₹17.07 Lakh

Petrol

Rs. 3416

Sharp 1.5 Turbo Hybrid MT

₹17.77 Lakh

Petrol

Rs. 3416

Sharp 1.5 Turbo Hybrid MT Dual Tone

₹17.97 Lakh

Petrol

Rs. 3416

Sharp 2.0 Turbo MT

₹17.94 Lakh

Diesel

Rs. 7897

Sharp 1.5 Turbo DCT

₹18.77 Lakh

Petrol

Rs. 7897

Sharp 1.5 CVT

₹18.77 Lakh

Petrol

Rs. 7897

Sharp 1.5 Turbo DCT Dual Tone

₹18.97 Lakh

Petrol

Rs. 7897

Sharp 2.0 Turbo MT

₹19.35 Lakh

Diesel

Rs. 7897

Sharp 2.0 Turbo MT Dual Tone

₹19.55 Lakh

Diesel

Rs. 7897

Disclaimer: *The MG Hector ex-showroom prices are for Delhi and are subject to change based on the city.

 

**Third-party premium rates are indicative. The actual MG Hector insurance price that you may have to pay may change depending on various aspects. Please check the prevailing premium rates before purchasing your car insurance policy.

How to Buy MG Hector Insurance Online

You can purchase MG Hector insurance at amazing prices in India in the following way:

 

Step 1: Go to the ‘car insurance premium calculator’ page on Bajaj MARKETS.

 

Step 2: Fill in the car registration number and phone number.

 

Step 3: Provide the necessary details in the application form.

 

Step 4: Pick a suitable car insurance policy.

 

Step 5: Make an instant payment.

 

Step 6: Your car insurance policy will be sent to your email ID.

Steps to Renew MG Hector Insurance With Ease!

Step 1: Go to the ‘car insurance renewal’ page on your insurance provider’s website.

 

Step 2: Enter your car registration number and phone number.

 

Step 3: Provide your previous insurance policy details.

 

Step 4: Check your car insurance renewal premium.

 

Step 5: Make an instant payment.

 

Step 6: Download your insurance policy document copy.

Why Insure Your MG Hector With Car Insurance

Can you imagine your SUV getting stolen without you being able to trace it? In that case, you will have to replace your MG Hector with a similar model by shelling out from your savings. Instead of spending almost ₹14 lakh - ₹14.5 lakh on a new SUV, you can purchase comprehensive MG Hector insurance to avail full coverage. The insurance provider will pay out the Insured Declared Value of your four-wheeler in the event of theft or total loss. Thus, you can rest assured when it comes to unforeseen mishaps on the road.

Why Choose Comprehensive or Third-Party Car Insurance

 

  • Third-Party Car Insurance

The third-party cover secures you against any third-party liability that you may incur during an accident. If your car causes damage to another person’s property, you may have to compensate for the loss incurred. These unforeseen expenses could be quite high, but the insurer shall cover these liabilities with a third-party MG Hector insurance.

 

  • Comprehensive Car Insurance

A comprehensive insurance plan is more beneficial if you want added protection for your MG Hector. Your comprehensive MG Hector insurance covers accidental damage incurred by your car, natural disasters, man-made calamities, theft, etc. You may find the MG Hector car insurance price to be slightly higher than third-party, but the investment is worth it.

What’s Covered Under Car Insurance?

Third-party MG Hector insurance includes third-party loss, death of the victim, bodily injuries, and a personal accident cover. Furthermore, comprehensive four-wheeler insurance covers third-party liabilities, accidental damage, theft, and many other perils.

What’s Not Covered Under Car Insurance?

The comprehensive MG Hector insurance policy doesn’t cover driving without a valid licence, damage resulting from malicious activities, natural wear and tear of the vehicle, etc.

Add-On Covers for Your MG Hector

Add-on covers enhance the protection that your insurance cover offers. Such covers come at a nominal additional cost, but the benefits can help cover certain specific scenarios. You can opt for add-on covers or riders at the time of purchasing your plan or at the time of renewing it.

 

  • Roadside Assistance Cover

The 24x7 roadside assistance cover provides emergency help such as tyre repair, urgent fuel supply, engine jump start, etc.

 

  • Engine Protector Cover

If your engine is damaged due to any oil leaks, water seepage, or other accidental reasons, the cost of repair is covered by the engine protect add-on combined with MG Hector insurance.

 

  • Lock and Key Replacement Cover

This rider covers the cost of your car keys in case they are stolen or if you lose them due to any other reason.

 

  • Personal Accident Cover

The personal accident cover secures costs incurred due to the accidental death or permanent disability caused to the driver of the vehicle.

Raise a Claim Under MG Hector Insurance

Here are the documents that you must keep handy while filing an MG Hector car insurance claim:

 

  • Your policy document

  • The details of your vehicle

  • The details about the insurance provider

  • The location, date and other details of the incident

  • In case of theft of your car, a copy of the FIR

 

There are two types of MG Hector insurance claims:

 

  • Cashless Claim Under Car Insurance

Firstly, you should inform your insurance provider and register the claim. Once you have intimated your insurer, take your vehicle to a network garage for repair. Provide the MG Hector insurance policy paper and all the necessary documents to your insurer. Your claim will be settled directly with the garage.

 

  • Reimbursement Claim Under Car Insurance

Inform your insurance provider about the damages to your car. If your MG Hector has been stolen, file an FIR and send a copy of the same to your insurer. Take your car to the nearest preferred garage and get it repaired. However, you will have to pay for the repairs from your own pocket. After submitting all the original bills, your claim shall be reimbursed.

 

Read More: Car Claim Settlement Process

Follow These Tips to Reduce MG Hector Insurance Premium

With these below steps, you can bring down your MG Hector car insurance price:

 

  • Maintain Your Car

Opting for the scheduled servicing of your four-wheeler can ensure lower vehicle-related issues that may lead to claims.

 

  • Use No Claim Bonus

You can be eligible for an additional reduction in the MG Hector insurance renewal premium by maintaining a claim-free year and availing a No Claim Bonus reward.

 

  • Follow Traffic Rules

To make sure your policy period is claim-free, you must follow the traffic laws and drive cautiously.

 

  • Compare Premiums

You can compare quotes online and choose an MG Hector insurance plan that safeguards your vehicle.

How to Maintain Your MG Hector

  • Clean the Car Battery

To enjoy a hitch-free journey, make sure you clean the battery of your four-wheeler.

 

  • Change Cabin Air Filter

For proper cooling and cleanliness purposes, MG Hector’s cabin air filter should be changed from time to time.

 

  • Park Your Vehicle Safely

Never forget to park your MG Hector in a sheltered area to avoid any build-up of debris.

 

  • Check the Warning Lights

Always keep an eye on any warning lights that may flash on your dashboard signalling any vehicular issue.

Know the MG Hector Maintenance Cost

The estimated MG Hector service and maintenance cost for five years ranges between ₹14,500 - ₹15,000 for the petrol variant and ₹29,500 - ₹30,000 for the diesel variant. You can avail the first three services for free after completing 15,000 km, 30,000 km and 45,000 km, respectively. Here is the MG Hector service schedule and the total expense:

 

  • Petrol

Service No.

Kilometres/Months

Free or Paid

Total Expenses

First Service

15000/12

Free

₹1,580

Second Service

30000/24

Free

₹2,265

Third Service

45000/36

Free

₹3,641

Fourth Service

60000/48

Paid

₹4,165

Fifth Service

75000/60

Paid

₹3,480

  • Diesel

Service No.

Kilometres/Months

Free or Paid

Total Expenses

First Service

15000/12

Free

₹4,498

Second Service

30000/24

Free

₹4,498

Third Service

45000/36

Free

₹4,966

Fourth Service

60000/48

Paid

₹8,305

Fifth Service

75000/60

Paid

₹7,831

*Disclaimer: These are indicative prices. The actual cost of maintenance of the MG Hector may vary and change from time to time.

About the MG Hector

The first-ever SUV to have come to India from Morris Garages (MG) is the Hector. It is a big, beefy vehicle with an exceptional ground clearance of 192 mm. Such a high ground clearance of MG Hector allows you to easily take on rough terrain, potholes, and speed bumps without any damage to the car's underside. One of the main highlights of this vehicle is the level of connectivity features that it possesses.

MG Hector Specifications

Details

Specification

Engine

 

Displacement - 1,451cc 

 

Power - 141 BHP @ 5,000 RPM 

Torque - 250 Nm @ 1,600 - 3,600 RPM

Cylinders - 4

Transmission

6-Speed Manual Transmission

CVT Automatic Transmission

Dual-Clutch Automatic Transmission

MG Hector Mileage

13.96 to 17.41 kmpl

MG Hector Ground Clearance

192 mm

Turning Radius

5.8 meters

MG Hector Fuel Tank Capacity

60 litres

Boot Space

587 litres

Brakes

Front - Ventilated Discs

Rear - Discs

Wheels and Tyres

215/60 R17

215/55 R18

MG Hector Seating Capacity

5

The Hector comes with more than 25+ safety-oriented features that help keep the occupants safe in the event of an accident. Let’s take a quick look at a few of them:

 

  • Hill Hold Control

When the car is stationary during an uphill climb, the hill hold control feature prevents the car from rolling back down.

 

  • Hinglish Voice Commands

You can operate the MG Hector using over 35+ voice commands in Hinglish.

 

  • Electric Sunroof

Want to experience nature at its fullest? The electric sunroof allows you to do just that.

MG Hector On-Road Price

City

MG Hector On-Road Price

MG Hector price in Delhi

₹23.48 Lakh

MG Hector price in Mumbai

₹23.75 Lakh

MG Hector price in Bangalore

₹24.66 Lakh

MG Hector price in Chennai

₹23.91 Lakh

MG Hector price in Pune

₹23.75 Lakh

This should give you a better idea of the MG Hector’s incredible features and specs. However, you should know that the purchase process doesn’t end here! Car insurance is just as important even if your four-wheeler has the best safety features. With the right MG Hector insurance plan, you and your vehicle are financially protected against untoward incidents on the road. Browse through the car insurance plans available on Bajaj MARKETS and get a suitable cover for your prized possession.

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs on MG Hector Insurance

  • ✔️What is the MG Hector ground clearance?

    The ground clearance offered by the MG Hector is 192 mm.

  • ✔️What is the size of the tyres used in the MG Hector?

    The MG Hector comes with tyres of size 215/60 R17 and 215/55 R18, depending on the variant that you choose.

  • ✔️What kind of fuel does the MG Hector use?

    The MG Hector is offered in petrol, diesel, and hybrid variants.

  • ✔️What kind of transmission does the MG Hector use?

    The MG Hector comes in a 6-Speed manual, CVT automatic, and dual-clutch automatic transmissions.

  • ✔️What is the total fuel tank capacity of the MG Hector?

    The MG Hector has a fuel tank capacity of 60 litres.

  • ✔️What is IDV in car insurance?

    Insured Declared Value or IDV in car insurance is the maximum compensation that the insurer shall pay out in the event of theft or complete damage.

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