MG Motor India (Morris Garages) has built one of India's most electric-heavy line-ups,
spanning the compact Comet EV hatchback to the Rs. 82.50 Lakh Cyberster electric convertible. Of MG's current 9-model range, five are fully electric
(Comet EV, Windsor EV, ZS EV, Cyberster, and the M9 MPV), while the Astor, Hector, Hector Plus and Majestor round out the petrol/diesel side. Whatever
MG you drive, having the right car insurance is both a legal requirement and essential financial protection. SMC Insurance helps you compare 30+
insurers, choose the right plan for your specific MG model and get an instant policy in minutes, with zero paperwork.
MG Model Range in India — Insurance by Model
Select your exact MG model below for a model-specific insurance guide,
premium estimate and add-on recommendations:
Note: Individual model insurance pages carry variant-wise premium
tables; this pillar page covers brand-wide guidance applicable to every model above. The MG Gloster has been discontinued and succeeded by the Majestor
as of mid-2026. The MG Astor's 1.3-litre turbo-petrol engine was discontinued in 2025; it is now sold with a single 1.5-litre naturally aspirated petrol
engine only. The Cyberster and M9 are sold exclusively as single, fully-loaded variants through MG Select premium dealerships, and both saw a price
revision of up to Rs. 5 Lakh effective July 2026.
Third-Party Insurance (Mandatory) Third-party car insurance is the
minimum legal requirement under the Motor Vehicles Act, 1988, for every MG car on Indian roads — whether it's an entry-level Comet EV or a flagship
Cyberster. It covers damage, injury, or death caused to a third party in an accident involving your car. It does not cover damage to your own vehicle,
leaving even a well-maintained MG completely unprotected against accidents, theft, or natural calamities.
Comprehensive Insurance (Recommended) Comprehensive car insurance
covers third-party liability and your own vehicle damage, making it the strongly recommended choice for all MG owners. It protects against accidents,
theft, fire, floods, earthquakes and other perils. Given that over half of MG's current line-up is fully electric — with expensive battery packs at
their core — comprehensive coverage with the right add-ons ensures you are never left with a large out-of-pocket repair bill, whatever model you
own.
Standalone Own Damage (OD) Policy If you already hold a valid
third-party policy from another insurer, you can purchase a Standalone Own Damage policy separately to cover repair costs for your MG. Standalone OD
policies became available following IRDAI regulatory changes, giving car owners the flexibility to choose their own-damage insurer independently of
their TP policy.
MG Car Insurance Premium — Segment-Wise Price Table
The insurance premium for your MG depends heavily on the specific model, variant, fuel
type and city of registration. The table below gives indicative premiums for one representative model per major MG segment, for brand-new cars
registered in Zone A cities such as Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune and Ahmedabad:
Representative Model
Ex-Showroom Price (Approx.)
IDV (Approx.)
Zero Dep Add-on
Comprehensive Premium (Bundled)
Comet EV (Hatchback, Electric)
Rs. 9.00 Lakh
Rs. 8.55 Lakh
Rs. 1,500 approx.
Rs. 29,000 onwards
Astor (Compact SUV, Petrol)
Rs. 14.50 Lakh
Rs. 13.80 Lakh
Rs. 2,400 approx.
Rs. 44,500 onwards
Windsor EV (Crossover MPV, Electric)
Rs. 16.50 Lakh
Rs. 15.70 Lakh
Rs. 2,750 approx.
Rs. 52,000 onwards
Hector (Mid-Size SUV, Petrol/Hybrid)
Rs. 15.50 Lakh
Rs. 14.70 Lakh
Rs. 2,550 approx.
Rs. 47,500 onwards
Hector (Mid-Size SUV, Diesel)
Rs. 17.80 Lakh
Rs. 16.90 Lakh
Rs. 2,950 approx.
Rs. 55,000 onwards
Hector Plus (3-Row SUV, Petrol)
Rs. 18.90 Lakh
Rs. 17.95 Lakh
Rs. 3,150 approx.
Rs. 58,500 onwards
ZS EV (Compact SUV, Electric)
Rs. 22.50 Lakh
Rs. 21.35 Lakh
Rs. 3,750 approx.
Rs. 71,000 onwards
Majestor (Full-Size SUV, Diesel)
Rs. 42.99 Lakh
Rs. 40.85 Lakh
Rs. 7,150 approx.
Rs. 1,28,000 onwards
Cyberster (Convertible, Electric)
Rs. 82.50 Lakh
Rs. 78.40 Lakh
Rs. 13,500 approx.
Rs. 2,58,000 onwards
Note: Premiums are indicative estimates for brand-new cars
registered at Coimbatore (TN-38) RTO. Actual premiums vary by exact model, variant, fuel type, IDV chosen, city and insurer. Use the quote
tool above, or your specific model's insurance page, for an exact price.
IRDAI Third-Party Premium Slabs for MG Cars
Third-party (TP) premiums for private cars are regulated and notified by the
Ministry of Road Transport & Highways (MoRTH) in consultation with IRDAI, based on engine capacity (cc) for petrol/diesel cars and motor
power (kW) for electric cars. Across MG's wide lineup, the applicable slabs are:
Note: The Astor's earlier 1.3-litre turbo-petrol engine option was discontinued
in 2025; it is now sold with a single 1.5-litre naturally aspirated petrol engine, which also sits in the 1000cc–1500cc TP slab.
Annual Third-Party Premium (Private Electric Cars)
More than half of MG's current India line-up — Comet EV, Windsor EV, ZS EV, Cyberster, and the M9 — is fully electric, and is priced under IRDAI's
separate kW-based EV slab structure instead of the cc-based slabs above:
Motor Power Output
Annual TP Premium
Not exceeding 30 kW
Rs. 1,780
30 kW to 65 kW
Rs. 2,904
Exceeding 65 kW
Rs. 6,712
MG Electric Models by Motor Power Slab
Slab
MG Electric Models
Not exceeding 30 kW (Rs. 1,780 TP)
Not currently applicable to MG's India EV line-up
30 kW – 65 kW (Rs. 2,904 TP)
Comet EV (approx. 31 kW)
Exceeding 65 kW (Rs. 6,712 TP)
Windsor EV (approx. 100 kW), ZS EV (approx. 95–130 kW depending on variant), Cyberster (approx. 375 kW), M9
Note: The Comet EV is unusual within MG's own range — its low-powered city-car
motor keeps it in the lower 30–65 kW TP slab, while every other MG EV (Windsor EV, ZS EV, Cyberster, M9) falls in the top "exceeding 65 kW" slab
alongside their petrol/diesel siblings, the Majestor and Hector diesel.
Note: A Third-Party Premium Revision May Be Coming in FY 2026-27 MoRTH and IRDAI are currently discussing a proposal to raise third-party premiums by 10-25% across vehicle segments, based on claims experience - the first such revision in nearly six years. The exact new rates
have not yet been officially notified, so the rates in the tables above remain in force for now. Given how EV-heavy MG's line-up is, it isn't yet clear
whether the current built-in TP discount for EVs will be preserved once the revision lands.
How IDV Is Calculated for MG Cars
The Insured Declared Value (IDV) is the maximum amount your insurer will pay in
case of total loss or theft of your MG. IDV is calculated based on the ex-showroom price minus depreciation, as per IRDAI-prescribed
depreciation rates — the same formula applies whether you drive a Comet EV or a Cyberster:
Car Age
Standard Depreciation
IDV Retained
Less than 6 months
5%
95%
6 months to 1 year
15%
85%
1 to 2 years
20%
80%
2 to 3 years
30%
70%
3 to 4 years
40%
60%
4 to 5 years
50%
50%
For cars older than 5 years, IDV is agreed upon mutually between the insurer and
the policyholder. Higher IDV means better coverage but slightly higher premium. Always avoid choosing the lowest IDV to reduce premium —
it leaves you under-insured in case of total loss, and the gap is proportionally larger the more expensive your specific MG model is.
MG Car Insurance Premium by City
IRDAI classifies Indian cities into Zone A and Zone B for own-damage (OD) pricing.
Zone A cities carry slightly higher premiums due to greater traffic density, accident frequency and theft rates.
Zone A Cities: Delhi, Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Pune, Ahmedabad
Zone B Cities: All other cities and towns in India
Estimated Premium for a 3-Year-Old MG Hector (Petrol/Hybrid):
Zone
Estimated Comprehensive Premium
Zone A (e.g., Delhi, Mumbai)
Rs. 23,000 – Rs. 29,500
Zone B (e.g., Coimbatore, Madurai)
Rs. 18,800 – Rs. 24,000
Premiums vary further based on the exact model, insurer, IDV, NCB and add-ons
selected.
No Claim Bonus (NCB) on MG Car Insurance
If you haven't made any claim during a policy year, you earn a No Claim Bonus (NCB) —
a discount applied to the own-damage (OD) portion of your premium at renewal. NCB is one of the most valuable benefits for careful MG owners
across every model in the range.
Claim-Free Years
NCB Discount
1 year
20%
2 consecutive years
25%
3 consecutive years
35%
4 consecutive years
45%
5 consecutive years
50%
Key NCB Facts:
NCB belongs to the owner, not the car — it transfers when you change insurers,
and even when you trade in one MG model for another.
NCB is lost if you make an own-damage claim during the policy year.
You can protect your accumulated NCB with an NCB Protect add-on — especially useful
for high-NCB policyholders (45–50%) on higher-value models like the Majestor or Cyberster.
Add-on Covers for MG car insurance
Standard comprehensive insurance can be enhanced with optional add-on covers. The most useful add-ons for MG cars are:
Zero depreciation cover
At the time of a claim, insurers normally deduct depreciation from
parts such as plastic, rubber, glass, metal — and by default, EV/hybrid batteries. Zero Dep eliminates most of this deduction — you receive a
far higher repair/replacement payout. Strongly recommended across the MG range, and especially important given how many current models are
fully electric.
Battery protection cover
With five of MG's nine current models — Comet EV, Windsor EV, ZS EV,
Cyberster and M9 — being fully electric, battery protection matters more for MG owners than for most brands. A dedicated Battery Protection
add-on, where offered by the insurer, covers damage to the battery pack and battery management system from water ingress, short-circuit, or
fire, reducing the steep default depreciation applied to standard battery claims.
Engine protector cover
The engine
protector coverage covers damage to the engine and gearbox caused by water ingression, hydrostatic lock, or leakage of lubricating oil —
events not covered under standard comprehensive policies. Particularly important for MG's diesel models — the Hector diesel, Hector Plus
diesel and Majestor — when driven in flood-prone areas.
Return to invoice (RTI) cover
In case of total loss (theft or beyond-economical-repair damage), RTI
pays you the original invoice value of your MG — not just the depreciated IDV. Strongly recommended for the first 1–3 years of ownership,
particularly on higher-value models like the Majestor and Cyberster.
Roadside assistance (RSA)
RSA provides 24x7 help if your MG breaks down anywhere — towing, battery jump-start, flat tyre assistance, emergency fuel and more. For MG's
EVs (Comet EV, Windsor EV, ZS EV, Cyberster, M9), RSA typically includes towing to the nearest charging point instead of fuel
delivery.
Key and lock replacement cover
Key and lock replacement cover provides the cost of replacing lost or damaged car keys and locks — a
practical add-on for urban MG owners across models.
Tyre protection cover
Covers repair or replacement of damaged tyres and tubes due to accidental damage,
bulging, or burst — expenses not covered under standard policies.
Consumables cover
Covers the cost of consumables like engine oil, coolant, nuts and bolts,
grease and other items that are usually excluded from standard claims. Useful for MG owners who want maximum claim settlement without
deductions.
NCB Protect
Allows you to make one own-damage claim in a policy year without
losing your accumulated NCB. Highly recommended for policyholders with 35–50% NCB.
Get the right add-ons for your MG
Compare quotes from 30+ insurers and choose the add-ons that suit your car, city and budget — in minutes.
On the homepage, click the insurance category you want, such as Car Insurance or Bike Insurance.
Step 3
Enter your registered vehicle number and click on View Quotes.
Step 4
Enter your MG details such as brand, model, fuel type, variant and RTO.
Step 5
Check the policy start and end date, confirm NCB details and view quotes from multiple insurers.
Step 6
SMC displays a list of available plans from partner insurers. View coverage, benefits,
inclusions/exclusions, add-ons, IDV and deductibles.
Step 7
Compare options based on comprehensive vs third-party coverage, IDV, zero depreciation,
engine protection and roadside assistance.
Step 8
Select your preferred plan and click Buy Now.
Step 9
Fill in owner details, address, contact information, driving licence/RTO details and any
other required fields.
Step 10
Make payment through the supported online gateway. After confirmation, your policy document
is sent electronically through email, WhatsApp or your account.
Step 11
Keep a digital or printed copy of your policy/certificate for future reference.
Throughout the buying process, you can contact the SMC team for support whenever needed.
Renewing Existing Insurance:
To renew insurance you will have to follow a similar process as well:
Enter your registration number above.
Your existing policy details are fetched automatically.
Review your current insurer's renewal quote.
Compare with other insurers for a better rate.
Apply your NCB discount and choose add-ons.
Pay and get instant renewal — no inspection required for timely renewal.
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Dedicated Claim Support: SMC's in-house claims team assists you
from intimation to settlement.
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Instant Policy Issuance: Policy document sent to your
email and WhatsApp immediately on payment.
Summing Up
Whichever MG you drive — a compact Comet EV, a family-friendly Hector or
Hector Plus, a flagship diesel Majestor, or an electric Windsor EV, ZS EV or Cyberster — choosing the right insurance ensures your car stays
protected on every journey. Comprehensive coverage with the right add-ons (Zero Dep, Battery Protection for the EVs, or Engine Protector for the
diesels) is strongly recommended over the bare legal minimum. SMC Insurance makes the process effortless: compare quotes from over 30 leading
insurers, leverage your No Claim Bonus and secure instant digital protection for your MG today — with zero paperwork and complete
peace of mind.
Disclaimer:The information provided on this platform is intended for general awareness and educational purposes. While every effort is made to ensure accuracy, some details may change with policy updates, regulatory revisions, or insurer-specific modifications. Readers should verify current terms and conditions directly with relevant insurers or through professional consultation before making any decision.
All views and analyses presented are based on publicly available data, internal research, and other sources considered reliable at the time of writing. These do not constitute professional advice, recommendations, or guarantees of any product’s performance. Readers are encouraged to assess the information independently and seek qualified guidance suited to their individual requirements. Customers are advised to review official sales brochures, policy documents, and disclosures before proceeding with any purchase or commitment.
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Yes, under the Motor Vehicles Act, 1988, every car on public roads in India (from a Comet EV to a Cyberster)must carry at least a valid third-party liability insurance policy. Driving your MG without insurance carries a fine of up to Rs. 2,000 for the first offence and Rs. 4,000 for subsequent offences, along with possible vehicle impoundment. We strongly recommend a comprehensive policy over bare-minimum third-party coverage.
The minimum is a third-party (TP) insurance policy. For new MG cars, a 3-year bundled TP policy is mandatory at the time of purchase. For MG cars already on the road, annual TP renewal is required. While TP is the legal minimum, it leaves your car — and, on MG's EVs, an expensive battery pack — unprotected against accidents, theft, and natural calamities. Comprehensive insurance is strongly recommended for better financial protection.
Its third-party premium is lower. The Comet EV's low-powered city-car motor (approx. 31 kW) falls in IRDAI's "30–65 kW" EV slab (Rs. 2,904/year TP), while every other MG EV — Windsor EV, ZS EV, Cyberster, M9 — falls in the higher "exceeding 65 kW" slab (Rs. 6,712/year TP). However, comprehensive (own-damage) premiums still depend mainly on the car's price and IDV, not just the TP slab, so a like-for-like comparison should always be model-specific.
IDV (Insured Declared Value) is the ex-showroom price of your MG minus depreciation as per IRDAI norms. For example, a Hector with an ex-showroom price of around Rs. 15.50 Lakh that is 2 years old would have an IDV of approximately Rs. 12.40 Lakh (after 20% depreciation). Always choose an IDV close to the actual market value — setting it too low saves a small premium but severely under-insures your car.
Yes, NCB (No Claim Bonus) is fully transferable when you switch insurers at renewal. You need an NCB certificate or your previous renewal notice from your existing insurer to carry it forward to the new policy. Since NCB belongs to the owner (not the car) it even transfers if you sell your MG and buy a different model. NCB can reduce your OD premium by up to 50% after 5 claim-free years.
Yes, damage caused by floods, waterlogging, or cyclones is covered under comprehensive car insurance. For MG's diesel models (Hector, Hector Plus, Majestor), if water enters the engine causing hydrostatic lock, that specific engine damage is typically excluded unless you have an Engine Protector add-on. For MG's EVs, the battery pack sits low in the floor and is similarly exposed — a Battery Protection add-on is worth considering in flood-prone cities like Chennai, Mumbai, or Bengaluru.
No, MG currently does not offer a factory-fitted CNG option on any model in India — its ICE range (Astor, Hector, Hector Plus, Majestor) is petrol or diesel only, alongside its electric models. If you plan to fit an aftermarket CNG kit on a petrol MG, it must be declared to your insurer and reflected in your RC and policy schedule; an undeclared kit can lead to that specific claim being rejected.
Every car insurance policy in India mandatorily includes a Compulsory Personal Accident (CPA) cover of Rs. 15 lakh for the owner-driver. This covers accidental death or permanent disability of the policyholder while driving the MG. Additional PA cover for co-passengers can be added as an optional rider. The CPA premium is Rs. 750/year and is included in your bundled policy — it cannot be opted out of unless you have a separate standalone PA policy.
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