template design

IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Call Back

Got questions? Let's talk! Share your contact details and we'll give you a call.

Full Name^* Please enter the full name

Mobile no.^* Please enter valid mobile number

Select products^* Please select the product

Submit

Thank You for your interest in our product.

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Live Chat

Health insurance just got 18% cheaper – no GST applicable!

Network garages for MG cars

With ICICI Lombard car insurance, you get access to a network of cashless garages and service centres for your car. ICICI Lombard have tie-ups with various service centres of MG cars. So, if your MG car gets damaged, you just need to take it to your nearest network garages to avail cashless repairs. We’ll directly settle the bill with the garage based on your policy’s terms and conditions. To check your nearest cashless garage, click here.

What is M G car insurance?

Car insurance for Morris Garages (MG) car, commonly read as MG car insurance, offers financial protection against damages caused by natural disasters like floods and storms. It also offers compensation due to man-made damages such as fire, theft, burglary, etc. Additionally, it covers third-party liabilities, ensuring you're legally and financially protected. MG car insurance lets you confidently drive knowing you're prepared for unexpected events.

Features of MG car insurance

MG car insurance offers these features:

Robust protection

Your MG vehicle faces a range of risks. Some, like floods, typhoons, and frost, are natural, while others, like strikes, terrorist activities, etc., are man-made. MG car insurance provides solid coverage against such threats. Thus, it helps you avoid hefty repair costs and unexpected financial strain.

Add-on covers

You can enhance your basic policy with add-on covers that offer extra protection and peace of mind during unexpected events. Popular ones include zero depreciation cover, roadside assistance, return to invoice cover, etc. Pick the add-ons that suit your driving needs by paying a slightly higher premium.

Personal accident cover

MG car insurance also offers a personal accident cover for the owner-driver. If you’re injured while driving, this benefit helps cover medical bills and hospitalisation costs. It acts as a financial cushion so you don’t have to tap into your savings during recovery.

Third-party legal liability

Accidents can happen anytime. However, if your MG car causes damage or injury to someone else or their property, you could be held legally responsible. A comprehensive car insurance also offers third-party liability cover. This helps to take care of these legal and financial obligations.

Benefits of MG car insurance

Here are the potential benefits of MG car insurance:

Lower expenses

Repairing an MG car can cost a lot. It can run into several thousands of rupees if the damage is significant. MG car insurance helps cover these costs as per the policy terms. This means you save money and avoid unexpected expenses.

Avoid fines

Driving without a valid third-party insurance policy can attract heavy fines. It is mandatory to have a third-party car insurance to drive legally in India.

Cashless repairs

Car insurance gives you access to cashless repair service through its network garages. That means your car is repaired and ready to drive again quickly.

Types of car insurance coverage

Third-party coverage

This type of car insurance covers only third-party damages. It does not include own damage cover. Since the scope is limited, the premium is relatively lower. However, it is legally mandatory to have at least this coverage to drive your car on Indian roads.

Own damage coverage

Own damage car insurance protects your vehicle against a range of natural and man-made disasters. These include floods, earthquake, typhoons, fire, theft, strikes, etc. You can enhance your own damage coverage by opting for add-ons like engine protection cover, zero depreciation and more.

Comprehensive coverage

Comprehensive coverage offers wide-ranging protection. It covers your car's own damage and third-party liabilities. It provides a better protection shield against most risks. Though the premium may be higher, it ensures all-round coverage and peace of mind.

What’s covered and not covered by car insurance?

Inclusions
Exclusions

Inclusions

Legal liabilities in case your vehicle causes injury, death or property damage to a third party
Your MG car and / or its accessories suffer damages due to burglary, riots, strikes, accidents by external means or any malicious activities
Your MG car and /or its accessories suffer damages due to fire, lightning, floods, storms, earthquakes, landslide
Accidental injury or death while driving, getting in, or getting out of your MG car

How to calculate premium for your MG car insurance?

You can get an estimate of the premium for your MG car insurance by factoring in:

Car details

Start by noting your MG car's model, fuel type, engine size, and the year it was bought. These details help get an estimate of the likely premium. Premiums are directly proportional to your car’s make and model.

Coverage needed

You can go for basic third-party insurance or comprehensive coverage. Premiums depend on the type of coverage chosen and the sum insured opted for. Choose what suits your needs and driving habits for better protection.

Use online tools

Today, insurers offer free tools to check your premium. Just enter your car details and what kind of cover you want. The tool instantly shows you the premium. You can try a few options to compare and see what fits your budget.

Add-ons for MG car insurance

You can add various add-ons to your MG car insurance plans for enhanced protection. Some of them are:

Zero depreciation

This add-on ensures you get the full value of car parts during a claim. It doesn’t cut any money for wear and tear. You save more when you repair or replace damaged parts.

Return to invoice

If your car gets stolen or completely damaged, this add-on helps you get the full invoice value. It includes the cost of registration and road tax too. It brings you closer to what you originally paid.

Engine protect plus

This add-on covers your engine and gearbox even if the damage is due to water or oil leakage. It helps you avoid big repair costs. This cover comes handy during floods or heavy rains.

Roadside assistance

If your car breaks down in the middle of the road, this add-on sends help. You can get towing, flat tyre fix, or even fuel delivery. It keeps you safe and stress-free on every trip.

Note: Please read the policy wordings for the complete list of add-ons.

How to buy MG car insurance online?

Applying for MG car insurance online is simple. All you need to do is:

Head over to the official ICICI Lombard website. You can find it easily through an online search or by clicking on this link.
Navigate to the 'Motor Insurance' tab at the top-left. From the dropdown menu, choose 'Car Insurance'
On the next screen, you'll see a form on the top-right. Enter the details. Then hit 'Get Quote'.
Choose your coverage, Review the details and proceed with the payment. Once done, your policy will be sent to you via email.

MG car insurance: Claiming process

Follow these step to file a claim with ICICI Lombard:

Inform us

Call our toll-free number, use our website or IL TakeCare App to report the incident. Try to inform us as soon as possible after the damage. This helps us start the claim process quickly.

Complete your video survey

Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.

Submit your documents

Share all necessary documents along with the filled claim form. This includes your registration, license, policy and any other required papers.

Note: For more details, please click here.

Documents required for MG car insurance claims

During filing a claim, provide these documents:

Registration certificate
Driving license
Policy copy
FIR or police report (depending on loss type)
Garage estimate
Repair invoice

Note: Please check with the insurance company for the complete list of documents required.

Car insurance for other brands

MARUTI
HYUNDAI
M & M
TATA
HONDA
TATA MOTORS
MAHINDRA
VOLKSWAGEN
FORD
RENAULT
SKODA
MERCEDES
MORRIS GARAGES
BMW
NISSAN
JEEP
AUDI
GM
KIA

Note: The aforesaid list is only illustrative not exhaustive

Car insurance blog articles

Driving licence renewal in Vadodara: Complete guide

This blog provides a detailed guide to renewing your driving licence in Vadodara, both online and offline. It covers the Parivahan Sewa process, required documents, renewal fees, grace period, and how to check DL status. It also highlights the importance of keeping your car insurance active for complete legal and financial protection while driving in Vadodara.

25 Nov 2025

Cars discontinued in India in 2025: Detailed list and insights

The article lists cars discontinued in India in 2025, highlighting reasons like emission norms, declining demand, and model updates. It also explains the effect on used car values, maintenance challenges, and car insurance considerations for discontinued vehicles.

11 Nov 2025

Skoda Octavia RS in India: Price, specs, impressions

Learn everything about the Skoda Octavia RS - from its price, engine specs and features to real-world mileage and user impressions. Explore why this performance sedan stands out and how car insurance adds financial protection.

10 Oct 2025

Is it mandatory to have insurance for my MG car?

Yes, according to Indian law, you must have at least third-party insurance to legally drive your car on the road.

How is the premium for MG car insurance calculated?

Premiums depend on factors like the car's model, year, location, IDV (Insured Declared Value), and any add-ons you choose.

What if I modify my MG car? Will insurance still be valid?

Some modifications may affect your premium or coverage. To avoid claim issues, it's best to inform your insurer before making any changes.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

MG Car Insurance

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

Understand your vehicle registration number