Mahindra XUV 500 car insurance starting at just ₹238/month
-
Up to 90% Discount
-
11,000+ Network Garages
-
Buy, Renew, & Claim on App
Mahindra XUV 500 Car Insurance
Manufactured by Mahindra & Mahindra, the Mahindra XUV 500 is a powerful mid-size SUV from India that debuted in 2011. It features a 70-litre fuel tank and is available in 20 variants, with both petrol and diesel engines. This vehicle particularly appeals to car enthusiasts who favour bold design elements such as muscular fenders, a distinctive tailgate, and a chrome grille.
To protect the distinguishing features of your Mahindra car, it is important to opt for a car insurance plan. At IndusInd General Insurance (formerly Reliance General Insurance), you can get insurance premiums starting at ₹238/month*. So, now, you no longer need to visit multiple websites to find an affordable XUV 500 insurance price.
We ensure that your car insurance not only fulfils your legal obligations but also gets comprehensive protection against accidents, natural disasters, fire and theft. With our plans, you can get cashless repairs at more than 11,000 garages across India*. Additionally, you can choose from over 13 different add-ons* to fully customise your car's insurance.
What are you waiting for? Download our IndusInd Insurance app to get started! You can quickly purchase your vehicle’s insurance using your smartphone via this app. After that, simply keep the app installed to carry your policy papers wherever you go.
IndusInd General Insurance (formerly Reliance General Insurance) provides access to a wide network of garages throughout India. Additionally, you can enjoy 24/7 customer support and the convenience of online renewal and claims processing to make things easier for you.
15+ Add-On Covers Available
Customise your Mahindra XUV 500 insurance.
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature Available
File claims via the IndusInd Insurance app
24/7 Customer Assistance
Get support from anywhere in India
Why Do You Need Mahindra XUV 500 Insurance?
Legal Mandate
As you would drive a car in India, you are mandatorily required to hold at least third-party liability insurance. This means no matter how often you drive your XUV 500, it is required to have insurance. If you are found by the police driving your Mahindra XUV 500 without valid car insurance, you will face a penalty of ₹2,000–₹4,000 and may also be sentenced to prison for up to 3 months.
Covers Accident Repairs
The Mahindra XUV 500 offers a commanding driving position and a powerful engine, allowing you to cruise comfortably over long distances. But if you regularly drive through tight city traffic, your car remains exposed to accidents, causing dents on its body, tyre blowouts, suspension damage, etc. Therefore, you can go for a car insurance plan to cover the unexpected repair costs.
Protects From Theft
Car theft was at a record high in early 2025, with some Delhi officials reporting an average of 13 cars stolen daily in the national capital. To counter this, you can get car insurance, as it provides the necessary financial safety net in the case of a total loss. The top model of the Mahindra XUV can cost up to ₹20.11 lakh*, and holding insurance assures that you get back the IDV amount if your car is stolen.
Drive Protection
Though the Mahindra XUV 500 is designed for long highway drives, its prolonged use increases the risk of damage from flying debris in strong winds or water damage to the engine in floods. If any of these incidents occur, a Mahindra XUV 500 insurance policy can
help recover the repair or replacement costs. For added safety, you can opt for our nil depreciation cover that further reduces your out-of-pocket costs.
Covers Fire and Fire-Related Damage
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book
Network Garages and Spare Parts
Local garages may not use authentic OEM parts when you visit them for repairs. This can directly affect your vehicle’s performance and safety. Conversely, with IndusInd General Insurance, you have easy access to over 11,000 network garages* across India. These garages strictly avoid counterfeit parts and perform repairs with top-notch precision to ensure high-quality finishes every time.
Types of Mahindra XUV 500 Car Insurance Plans
Comprehensive Car Insurance
Comprehensive car insurance policies offer complete protection against unforeseen damage to your vehicle or damage caused by your car to others. For instance, suppose you accidentally hit another car, resulting in major repair needs for both your vehicle and the other person's car. Our comprehensive plan can cover these costs and also provide additional protection through 13+ optional add-ons*.
Pay As You Drive Car Insurance
You can add this usage-based cover if you have already bought comprehensive and standalone car insurance. With our IndusInd Limit Sure - Pay As You Drive, you can select a yearly limit from 2,500 to 10,000 km*, with a 125 km grace buffer*. If you have paid for more kilometres and those were unutilised, you can carry them forward to the next policy year, making PAYD insurance ideal for occasional drivers.
Third Party Car Insurance
If you are eyeing a budget-friendly XUV 500 insurance price, you can go with this policy type. Third-party car insurance protects you from legal liabilities if you cause property damage or bodily injuries to others while driving your insured vehicle. To ensure continuous coverage, we provide a 3-year long-term third-party car insurance policy for new vehicle owners.
Own Damage Car Insurance
If you already hold third-party car insurance, you can buy OD coverage as a separate policy. It covers damages resulting from accidents, natural disasters, theft of your XUV 500, and other unforeseen threats. You may access our own-damage plan in short-term as well as long-term options, with durations from one month to a full year*. This is to ensure flexibility as per our customers' needs.
IndusInd General Insurance offers different car insurance plans that suit your driving patterns and the frequency with which you use your Mahindra XUV 500.
Disclaimer: Please refer toa your policy documents for more information.
What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.
Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your Mahindra XUV 500 except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, 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.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.
One call is all it takes to secure your XUV 500
Call us now for the best deal!
Mahindra XUV 500 Insurance Add-On Covers
You can easily enhance the coverage for your Mahindra XUV 500 by selecting add-ons if you think its several parts need some extra protection. For example, the consumable expenses add-on helps you maintain your car more affordably with routine servicing. Our website offers a selection of over 13 add-ons* for you to customise your car insurance further.
Nil Depreciation Cover
Money Saver
Offers full compensation for damaged plastic, fibre, and rubber parts without accounting for depreciation. XUV 500 owners gain an advantage, as replacing the windshield glass and fenders of this robust SUV can be very costly.
Pay as you Drive
Money Saver
The extra price for this add-on is based on your car’s actual mileage. You can choose a range between 2,500 and 10,500 km* and top up if needed. It is ideal for XUV 500 owners who drive their cars less frequently.
Tyre Protection Add-On Cove
Extra Car Protection
If your Mahindra XUV 500 experiences a tyre blowout due to poor road conditions, this add-on can pay for the replacement costs. It is useful for drivers who often drive on uneven roads or village tracks with potholes.
Engine and Gearbox Protection Cover
Extra Car Protection
The heavy-duty diesel engine in most XUV 500 variants can lead to costly damage repairs. Such expenses include both repairing and replacing the engine parts after water damage, oil leaks, or accidents.
Consumable Expenses Add-On Cover
Extra Car Protection
With this cover, you can get paid for consumables like nuts, bolts, brake fluids, engine oil, etc. These things typically make up 5-10% of the total repair costs. So, this add-on saves your out-of-pocket expenses significantly.
Return-to-Invoice Cover
Money Saver
This add-on offers the full original invoice amount, inclusive of taxes and registration fees, in case of total loss from a major accident or theft, rather than settling for the vehicle’s depreciated worth.
Key and Lock Replacement
Extra Car Protection
Covers the expenses for replacing stolen, damaged, or lost keys, including smart-key programming. This plan is especially suitable for models like the XUV W9, W10, or Sportz featuring expensive key fobs and locksets.
24/7 Roadside Assistance
Extra Car Protection
If you drive your Mahindra XUV 500 through remote locations, this can be beneficial. It ensures quick fuel delivery, flat tyre change, and other on-site repairs shortly after you call our helpline or reach us through IndusInd Insurance app.
Loss of Personal Belongings
Money Saver
In case valuables exceeding ₹5,000, such as laptops, phones, or bags, are stolen from your locked car, this add-on provides compensation. Suitable for commuters carrying work gear or travelling in theft-prone locations.
EMI Protection Cover
Money Saver
It guarantees you won't miss an EMI when your car is in the garage for extended periods after an accident. For instance, if your monthly car EMI is ₹8,000, we will help you pay it while your vehicle is still being repaired.
No Claim Bonus (NCB) Retention
Money Saver
Preserves your accumulated NCB benefits even after you submit up to 2 claims* in the same policy year. Thus, it helps to save your overall car insurance cost in the long run.
Daily Allowance Benefit
Money Saver
When car repairs at a network garage extend beyond three days, this add-on offers you a daily cash allowance to pay for alternative modes of travel. So, it is truly beneficial if you regularly use your vehicle.
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 XUV 500’s personalisations safe.
Geo Extension Cover
Adventure & Travel
Enhances the scope of coverage in India's 6 neighbouring nations*, including Bhutan, Nepal, and Sri Lanka. If you are planning to go on international trips driving your Mahindra XUV 500, this add-on can be quite helpful.
Up to 90% Discount*
Video Claims Feature on IndusInd Insurance app
11,000+ Network Garages*
Factors Affecting Mahindra XUV 500 Car Insurance Premium
The premiums for your Mahindra XUV 500 are determined by specific criteria designed to offer optimal coverage that fits your requirements and driving habits. Some of these criteria, outlined below, can assist you in lowering your premiums to maximise your savings.
XUV 500’s IDV
IDV is the current market value of your car and the maximum amount your insurer promises to pay in the event of car theft or total loss due to an accident. A higher IDV will slightly increase your plan premium, but at the same time provide greater compensation during a claim. Thus, you can choose a reasonable IDV based on your vehicle's present market value.
Type of Coverage
Whether you select a comprehensive car insurance plan or a third-party policy largely affects the premium amount. A comprehensive plan offers full protection from accidents and theft to your own vehicle, while third-party policies primarily cover your legal liabilities towards others. If you choose to combine optional add-ons for better coverage, it can also increase the premium.
Add-On Covers
Specific add-ons like our nil depreciation cover, engine protection cover, 24/7 roadside assistance, etc., increase the scope of protection by addressing some serious concerns. However, the more add-ons you choose, the higher your car insurance premium will be. So, it is important to analyse your coverage needs and accordingly choose the add-on covers.
Car’s Make and Model
The XUV 500 model’s market price, fuel type (diesel or petrol), and engine capacity also play a vital role in deciding the premium. If you are seeking a car insurance policy for your vehicle that is to be used for commercial purposes or has a higher engine capacity, it will automatically lead to higher insurance costs.
Claim History
At IndusInd General Insurance (formerly Reliance General Insurance), we offer no claim bonus benefits of up to 50%* of the premium. You can take advantage of this discount and pay less when renewing your car insurance policy. However, if you make frequent claims, there can likewise be an increase in your premium.
Installing Anti-Theft Devices
If you use anti-theft devices certified by IRDAI to protect your insured Mahindra XUV 500, it can help lower the final premium. It makes you eligible for a discount of up to 2.5%* on the own damage portion of your four-wheeler insurance. This way, you can save a maximum of ₹500* every year. So, if you opt for a three-year insurance plan, you can save up to ₹1,500 on your premiums*.
Mahindra XUV 500 Key USPs
Step 1: Inform Us
You must inform us within 24 hours and and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.
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. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.
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 and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage 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, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Mahindra XUV 500 - Models and Prices
With 20 different variants, the Mahindra XUV 500 offers unmatched durability and performance.
| Price (as of August 2025)# |
|---|---|
W3 Manual | Diesel | ₹12.37 lakh |
W5 Manual | Diesel | ₹14.27 lakh |
W7 AT Automatic | Diesel | ₹15.45 lakh |
G AT Automatic | Petrol | ₹16.16 lakh |
W11 Manual | Diesel | ₹17.22 lakh |
W9 Manual | Diesel | ₹17.33 lakh |
W9 AT Automatic (TC) | Diesel | ₹18.54 lakh |
W11 Opt Manual | Diesel | ₹18.89 lakh |
W11 (O) AWD AT Automatic | Diesel | ₹19.78 lakh |
W11 Opt AT Automatic (TC) | Diesel | ₹20.11 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
Offering a competitive mileage of 17-24 kmpl, the Mahindra XUV 500 is a popular mid-size SUV in its price segment. The car is available with both manual and automatic gearbox options, and you can choose from 6 different colours.
Though the XUV 500 is extremely dependable, like any vehicle, it is not completely immune to accidents, floods, or tyre blowouts. If you are a regular driver, it is wise to consider standard car insurance.
At IndusInd General Insurance (formerly Reliance General Insurance), you can get coverage starting at just ₹238/month*. Our process is fully online, no matter whether you are purchasing, renewing, or making a claim, as we believe in a digital-first experience. Want to find out your XUV 500 insurance price? Use our IndusInd Insurance app We offer some of the best rates on the market and quick access to over 11,000+ certified garages across India, all using genuine parts. So, instead of waiting, contact us today for seamless insurance renewal.
IndusInd General Insurance
Aapke Protection ka All-rounder
XUV 500 insurance starting at just ₹238 per month*!
Get Tailored Car Protection With Us!
Get all-around protection for your Mahindra XUV 500 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.
Relevant Links for Car Insurance
Car Insurance for Top Car Brands
Download our IndusInd General Insurance App now!
