Mahindra car insurance plans at just ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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Buy, Renew & Claim on Our App
Mahindra Car Insurance
Mahindra cars and SUVs are known for their durability, spacious interiors and value for money. They’re also incredibly versatile, with models like the Bolero, Scorpio and XUV becoming household names for their ability to tackle city roads and unpaved rural paths with ease. But despite their durability, Mahindra cars still need protection against unexpected damage.
For example, parking and driving in narrow city streets can be tricky. If you’re not careful, you could end up hitting surrounding objects or even other vehicles, damaging your car and theirs. With IndusInd Mahindra car insurance, repair costs for these types of accidental damage are fully covered, so you’re not left paying for repairs out of pocket.
At IndusInd General Insurance (formerly Reliance General Insurance), we've streamlined our processes so you can quickly buy and renew car insurance. You can also download your policy through the IndusInd Insurance app and have it saved on your phone. This way, you’ve always got your insurance papers with you!
With an IndusInd mhindra car insurance policy, you are covered against unpredictable road risks and rising repair costs. Our car insurance plans offer comprehensive financial protection and smooth, cashless repairs, ensuring your premium driving experience stays uninterrupted while safeguarding you from expensive accidental damages.
15+ Add-On Covers Available
Extra covers for enhanced protection
Up to 3 Years Coverage*
Get long and short-term coverage with us
Video Claims Feature on Our App
File quick cashless claims via mobile
24/7 Customer Assistance*
Get support from anywhere in India
Why Do You Need Mahindra Car Insurance?
Legal Mandate
Car insurance is a mandatory requirement for all car owners in India. So, you will need to insure your Mahindra car or SUV to avoid getting fined by the traffic police. If you’re ever caught driving without a valid car insurance policy, you will need to pay fines ranging from ₹2,000 to ₹4,000. In some cases, you may even face up to 3 months of imprisonment.
High Quality Repairs
Models like the Thar, Bolero and XUV500 are known for their durability, but heavy use on unpaved village paths and pothole-ridden city roads can lead to damage. So, if you hit a particularly bad pothole, it can result in tyre blowouts or repairs to the undercarriage components, like the exhaust system. With car insurance, these repair costs are covered.
Covers Car Theft
Rising theft rates in major cities like Delhi, Bangalore, and Chennai can spell trouble for new and high-end Mahindra SUV owners. With more expensive models like the XEV 9e costing up to ₹31 lakhs*, having our car insurance can help recover from total loss-type incidents like theft. We cover this loss by paying you the IDV amount. And if you get the Return to Invoice add-on with your plan, you get the original invoice price of your SUV fully reimbursed*.
Covers Natural Disasters
Car parts, such as the engine, can get damaged during the rainy season, especially if your city or town is prone to flooding. For reference, engine repairs can cost up to ₹50,000*, sometimes more. With our comprehensive car insurance plan, repair costs due to floods can easily be covered. And if you get the Engine Protect add-on, you get specialised coverage for your engine so you’re not left with a hefty repair bill after extreme weather events.
Covers Fire and Fire-Related Damage
While fires are quite rare, they can cause irreparable damage, and repair costs can be quite high since you may need to replace fire-damaged parts altogether. But with our car insurance, you’re fully covered! We cover damage to your Mahindra vehicle resulting from fire or fire-related incidents.
Network Garages and Spare Parts
With a strong service and dealer network, it’s easy to find parts for Mahindra cars even in smaller towns. But you can’t always be sure where local garages get their parts from or if they use original parts. That’s where we can help. Our network garages only use original parts to make sure you always get access to quality repairs.
Types of Mahindra Car Insurance Plans
Comprehensive Car Insurance
A comprehensive policy offers dual coverage benefits. It will cover costs for damages done to another person or property, and damage to your SUV. E.g., A collision can result in major repairs for both your car and the other person’s car. Our comprehensive policy covers both these repair costs. As a bonus, you also have access to 13+ add-ons with 3 EV-specific add-ons* to enhance coverage.
Pay As You Drive Car Inasurance
This usage-based plan lets you pay premiums based on how much you drive. You can choose a yearly limit between 2,500–10,500 km*, and get a 125 km grace buffer*. You can also carry forward unused kilometres and top up anytime if you exceed your limit. This plan is great for Mahindra owners who seldom drive, work from home, own multiple cars or frequently use public transport.
Third Party Car Insurance
This is a basic plan that every Mahindra owner must have, as it's legally mandated. It's also our most affordable policy. It covers damages to third-party property and injuries caused to another person during an accident. We offer 1- to 3-year options* for new car owners, where you pay the premium once. So, you pay once when buying the plan and get covered up to 3 years, no renewals needed.
Own Damage Car Insurance
This is a standalone policy you can buy if you already have a basic third-party car insurance plan. It will only cover your Mahindra car. With this plan, we offer short-term* and long-term options ranging from 1 month up to a year*. So if you only need coverage for a couple of months, like during monsoon, you can get short-term coverage*, and if you need long-term coverage, you can get the 1-year option.
Key Features of IndusInd Mahindra Car Insurance
IndusInd General Insurance offers features designed for how you actually drive your Mahindra SUV - whether it's through city traffic, village roads, or on highways.
Key Features | Descriptions |
|---|---|
Starting Premiums | ₹238/month* |
IDV Customisation | Available |
Coverage Offered | Own Damage & Third-Party Liability |
Discounts | Up to 90%* |
NCB Discount | Up to 50%* |
Quick Claims Process | Cashless + Survey initiated within 24 hrs* of claim. |
Smartphone-Enabled Claims | Video claim feature on the IndusInd Insurance App |
Network Garages | 11,000+* network garages nationwide |
Instant Buying/Renewal | Available for policy purchase and renewal* |
Add-Ons | 13+ Add-ons with 3 EV-specific add-ons* |
Personal Accident (PA) Cover | Additional PA cover of up to ₹15 lakhs* |
24/7 Customer Support | Available through WhatsApp and Calls |
Disclaimer: Please refer to the official policy documents for detailed information.
What is Covered?
Accidents and Collisions: Our plan covers the repair costs for damage to your Mahindra insurance caused by a road accident.
Third-party Damages: Our Mahindra insurance covers the cost of repairing damage to someone else’s vehicle or property.
Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.
Fire or Explosion: Repair costs for your Mahindra insurance for damage due to fires, explosions, self-ignition and lightning strikes will be covered.
Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.
What is Not Covered?
Depreciation: Depreciation of Mahindra insurance parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your Mahindra insurance, you'll need to opt for add-on coverage.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
Buy your Mahindra car insurance from IndusInd today!
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Mahindra Car Insurance Add-On Covers
Sometimes, basic coverage just isn’t enough. Especially if you regularly drive your Mahindra car on crowded city streets, rough terrain like unpaved rural roads filled with loose gravel and potholes, or if you use it to transport heavy cargo. That is why we offer several add-ons so you can customise your Mahindra car insurance for enhanced protection on the road:
Nil Depreciation
Monry Saver
Also known as bumper-to-bumper cover, it offers full reimbursement for plastic, rubber, and fibre parts without depreciation. Ideal for Mahindra car owners, as replacements for trims and panels can be expensive.
Pay As You Drive
Monry Saver
This add-on sets the premium based on actual kilometres driven. You can select from 2,500 to 10,500 km* and top up if needed, making it ideal for low-mileage Mahindra users who travel short distances or work from home.
Return to Invoice
Monry Saver
In case of total loss or theft, this add-on ensures you receive the full original invoice value of your Mahindra car. It covers not just the vehicle’s ex-showroom price but also includes taxes and registration fees.
Engine & Gearbox Protection
Extra Car Protection
With the Mahindra's heavy-duty diesel engine, repair bills can be high, increasing your out-of-pocket expenses. This covers the cost of engine repairs or replacements damaged due to water ingress, oil leaks or accidents.
Car Tyre Protection Cover
Extra Car Protection
This add-on covers repair or replacement costs for damaged tyres of your Mahindra SUV. It is especially great for covering the costs of repairing damages caused due to poor road conditions or a burst or bulge.
Key & Lock Replacement
Extra Car Protection
Covers the cost to replace lost, stolen, or damaged keys (including smart‑key reprogramming) and lock set repairs. It is perfect for modern cars, such as the Bolero Neo, with pricey key fobs.
Consumable Expenses
Monry Saver
This add-on covers consumables like nuts, bolts, oils, and brake fluids, which usually add 5–10% to repair costs. It’s especially useful if your Mahindra car often tackles rough or dusty roads.
RIM Protection
Extra Car Protection
It protects those stylish alloys or steel wheels that standard policies exclude. This add-on covers the repair or replacement of damaged rims caused by curbs, bad road conditions or accidents.
Roadside Assistance
Extra Car Protection
Get emergency towing, fuel delivery, flat-tyre changes, jump-starts, and on-site repairs anytime through our helpline or IndusInd Insurance app. Mahindra drivers who use their car daily can especially benefit from this 24/7 support.
Extra Car Protection
Covers loss of valuables that cost more than ₹5,000* like laptops or phones stolen from your locked car. Ideal for those carrying work gear.
Daily Allowance Benefit
Monry Saver
If repairs at an authorised garage exceed three days*, you receive a daily cash allowance to cover alternative transport costs like cabs or train fares.
EMI Protection Cover
Monry Saver
Covers your monthly car‑loan EMIs if repairs take longer than 21, 42, or 63 days* — easing financial stress during extended garage stays.
No Claim Bonus (NCB) Retention Cover
Monry Saver
Retain your No‑Claim Bonus discount even after making up to 2 claims* in the policy year, so you don’t lose out on future premium savings.
Electrical Accessories Cover
Extra Car Protection
Protects aftermarket electrical fittings such as audio systems, parking sensors, GPS, and rear‑view cameras that aren’t typically covered under standard inclusions.
Non‑Electrical Accessories Cover
Extra Car Protection
Covers theft or damage to custom fittings like seat covers, bumper guards and decorative trims — keeping your upgrades safe.
EV Battery Protection
EV Car Protection
Covers damage to your Mahindra EV’s battery from accidents, water ingress, power surges, or impacts. With repair or replacement costs covered, you avoid a massive out‑of‑pocket expense.
Electric Motor Protect
EV Car Protection
Insures repair or replacement if your Mahindra EV’s motor fails due to water damage, short circuits, overheating, or impact. This add‑on spares you from high motor repair bills.
EV Charger Cover
EV Car Protection
Protects the repair or replacement of your EV charger if damaged by fire, theft, rodent bites, or power surges. This add-on ensures your charging setup stays secure and functional.
Up to 90% Discount*
Easy Video Claims via App*
11,000+ Network garages
Factors Affecting Mahindra Car Insurance Premium
Multiple factors determine your Mahindra car insurance premiums, from vehicle specifications and how much your car costs to the type of car insurance coverage you choose.
Your Mahindra Car's IDV
IDV, or Insured Declared Value, is the current market value of your Mahindra SUV and plays a key role in determining your insurance premium and claim amount. A higher IDV leads to slightly higher premiums but ensures better compensation in case of total loss or theft. You can choose or adjust your IDV at the time of buying or renewing your policy based on your preferences.
Car's Make and Model
The Mahindra SUV's model, fuel type (diesel or petrol), and engine capacity all influence your insurance premium. A higher engine capacity or usage for commercial purposes generally results in increased premium rates due to the greater risk and wear involved. Modifications or accessories beyond factory specifications can also lead to higher premiums.
Type of Coverage
Choosing between a third-party and a comprehensive insurance plan directly impacts your premium amount. While third-party plans are cheaper, comprehensive coverage offers protection against own damage, theft, and natural calamities. Adding optional covers may increase the premium slightly, but the broader protection is worth it for your Mahindra car's safety on the road.
Add-On Covers
While add-ons help extend your coverage to tyres, rims, keys, locks, and depreciable parts, they do come at an extra cost. However, these small premium increases can save you significantly during repairs. Choosing the right add-ons ensures your Mahindra car is protected where it matters most. They cover high-wear or high-cost parts often left out of basic policies, making your coverage more practical and complete.
Claim History
If you have made no claims in the past year, you could get a No Claim Bonus (NCB) and enjoy reduced premiums at renewal. Plus, a history of frequent claims signals higher risk to insurers and may lead to increased premium rates in the following policy term. Maintaining a clean driving record can help you retain and even accumulate higher NCB benefits over time.
Installing Anti-Theft Devices
Installing IRDAI-approved anti-theft devices shows that your Mahindra car is better protected against theft-related risks. This added security lowers the insurer's risk, which can lead to a reduced premium on your policy. It's a simple upgrade that offers long-term savings. Plus, it adds an extra layer of safety when parking in unfamiliar areas.
Step 1: Inform Us
You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Insurance app.
Step 2: Claim Verification
Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.
Step 3: Self Inspection
You can also opt for a self-inspection via the IndusInd Insurance app's live video survey feature or by submitting photos.
Step 4: Claim Approval
Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.
Step 5: Bill Settlement
After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).
Step 1: Initiate the Claim
initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.
Step 2: Visit Garage
Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
Step 3: Register Claim
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
Step 4: Upload Documents
As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate
Step 5: Money Transfer
Upon approval of your claim, we will transfer the claim amount directly to your bank account.
Mahindra Cars & SUVs - Models and Prices
Mahindra cars are available in multiple variants, each designed for durability and practical performance. Whether you are looking for a reliable city drive or a vehicle that can handle bumpy rural roads, there is a Mahindra car to match your needs.
Mahindra Models | Price (as of August 2025)# |
|---|---|
Mahindra Bolero (Manual | Diesel) | ₹9.81 - ₹10.93 Lakh |
Mahindra Bolero Neo (Manual | Diesel) | ₹9.97 - ₹12.18 Lakh |
Mahindra Bolero Pik-Up (Manual | Diesel) | ₹9.70 - ₹10.59 Lakh |
Mahindra Bolero Camper (Manual | Diesel) | ₹10.41 - ₹10.76 Lakh |
Mahindra Bolero Neo Plus (Manual | Diesel) | ₹11.41 - ₹12.51 Lakh |
Mahindra XUV 3XO (Manual/Automatic | Petrol/Diesel) | ₹7.99 - ₹15.80 Lakh |
Mahindra Thar (Manual/Automatic | Petrol/Diesel) | ₹11.50 - ₹17.62 Lakh |
Mahindra Thar ROXX (Manual/Automatic | Petrol/Diesel) | ₹12.99 - ₹23.39 Lakh |
Mahindra Scorpio (Manual | Diesel) | ₹13.77 - ₹17.72 Lakh |
Mahindra Scorpio N (Manual/Automatic | Petrol/Diesel) | ₹13.99 - ₹25.15 Lakh |
Mahindra Marazzo (Manual | Diesel) | ₹14.59 - ₹17 Lakh |
Mahindra XUV700 (Manual/Automatic | Petrol/Diesel) | ₹14.49 - ₹25.14 Lakh |
Mahindra XUV400 EV (Automatic | Electric) | ₹15.49 - ₹17.69 Lakh |
Mahindra BE 6 (Automatic | Electric) | ₹18.90 - ₹27.65 Lakh |
Mahindra XEV 9e (Automatic | Electric) | ₹21.90 - ₹31.25 Lakh |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
Whether you use your Mahindra vehicle to drop your children off at school, navigate inner-city traffic, or drive on rough village roads, you still need to insure it. This is because while Mahindra cars are built to handle most risks that come their way, they’re not completely immune to the unexpected. Road accidents, flash floods, tyre blowouts, and punctures are all common risks to account for when driving over rough or unpaved roads. These damages can require repairs and part replacements.
That is why it is important to protect your Mahindra car or SUV with a car insurance plan. With IndusInd Mahindra Car Insurance (previously known as Reliance Mahindra Car Insurance), you get car insurance coverage that starts at just ₹238/month*, along with 24/7 support and a digital-first approach. This means access to a quick claims process and a video claims feature that allows you to file claims through your mobile. All you need to do is send us a video and pictures of the damage, and we'll take care of the rest!
Additionally, if you get your Mahindra car repaired at any of our 11,000+ network garages*, you won’t need to pay upfront, since we pay the bill for you. Don’t wait to get your Mahindra vehicle insured, and call us today to get a personalised car insurance plan!
Mahindra car insurance starting at just ₹238 per month*!
Get Tailored Car Protection With Us!
We want to score Get all-around protection for your Mahindra car with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs. perfectly for world standard services & products, and want to be your first choice in domestic as well as global markets.
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