Mahindra Thar Car Insurance

Name: Mahindra Thar Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The Mahindra Thar is India's top adventure SUV, known for its tough build and great off-road ability. This popular vehicle appeals to young people and outdoor lovers who want freedom and fun on every drive.

When you take your Thar on exciting trips, unexpected things may happen. Think about driving through beautiful hills when sudden rain or uneven roads may cause small scratches from tree branches. Good car insurance means you can enjoy these lovely drives while keeping your car protected during fun adventures.

Another thing that those owners face is that their vehicle gets noticed everywhere. Since the Thar stands out wherever you park, there's always a possibility of theft. Having theft protection through comprehensive Thar insurance lets you visit busy markets or camps in quiet valleys without worry about losing your prized SUV.

IndusInd General Insurance (formerly Reliance General Insurance) understands what Thar owners need. Our Indusind Insurance app makes filing claims simple - just take photos and send them instantly from anywhere you are. With our quick claim settlement and helpful support team, we make sure your Thar adventures never stop, giving you the same reliable support that your Thar gives you.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

When it comes to protecting your Mahindra Thar, experience and reliability make all the difference. We’ve built our reputation on understanding the unique challenges that adventure enthusiasts face, offering tailored solutions that go beyond standard coverage to truly support your off-road lifestyle.

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15 plus add-on covers

Customise your Mahindra Thar insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why Do You Need Mahindra Thar Insurance?

Legal Mandate

Car insurance is required by law for all vehicles in India, including your Mahindra Thar. Without valid insurance, you cannot drive your Thar legally on any road. Without proper insurance, police can stop you anytime for document checks, risking fines and legal trouble. If they find you driving without coverage, you will face fines from ₹2,000 to ₹4,000*. In serious cases, you might even get jail time up to 3 months, making insurance absolutely essential for every Thar owner.

Repair Costs

The Mahindra Thar is built for off-road adventures. However, regular muddy trail driving gradually wears down important parts like the chassis and bumpers. When sharp rocks or deep mud damage your Thar's undercarriage or body panels, repair costs become quite high. Since the Thar has specialised off-road components, even small repairs cost more than regular cars. That's why considering the Thar insurance price becomes crucial to handle these adventure-related repair bills affordably.

Covers Car Theft

The iconic Thar design attracts attention, making it a target for thieves. The Thar costs between ₹12-₹18 lakhs*, and losing it to theft may create serious financial problems for you. Car insurance solves this worry by paying the full IDV amount when theft happens. Additionally, our Return to Invoice add-on ensures you get back every rupee of your original purchase price, protecting your complete investment in this adventure SUV.

Covers Floods, Storms and More

During monsoons, river crossings can flood your engine, while mountain storms can damage the exterior body. Storm damage to the Thar's rugged body also costs thousands to repair properly. Our comprehensive insurance covers all weather-related damage completely. The Engine Protect add-on gives special protection for your Thar's reliable engine during extreme weather adventures.

Covers Fire and Fire-Related Damage

Since the Thar has modern safety features and electrical systems, fire damage often means replacing major components entirely. Repair costs become very high because specialised Thar parts are expensive to source and replace. Our insurance coverage handles these situations perfectly. We pay for the full cost of replacement or repair, so fires won't ruin your off-road plans.

Network Garages and Spare Parts

Mahindra has good service centres, but finding genuine Thar parts becomes difficult in remote adventure destinations. Many local mechanics use cheap duplicate parts that harm your Thar's legendary off-road performance and reliability. Using fake parts also reduces your Thar's famous durability and resale value over time. Our trusted 11,000+ network garages* solve this problem by using only original Mahindra parts.

Types of Mahindra Thar Car Insurance Plans

Comprehensive Car Insurance

The plan protects your Thar while also helping other people on the road. When your Thar crashes during mountain adventures, both vehicles usually need repairs afterwards. This plan first pays to fix your Thar's broken parts, then also covers the other car's damage costs. Additionally, the reasonable Thar insurance price includes valuable add-ons that provide extra protection for your off-road journeys.

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Pay As You Drive Car Insurance

This smart plan charges you only for actual kilometres driven. First, you choose your yearly driving limit anywhere from 2,500 to 10,500 kilometres* based on your needs. Then, the plan automatically gives you an extra 125 kilometres as a safety buffer for unexpected trips. If you do not use all your kilometres, you can automatically carry them forward to the next year for future use.

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Third Party Car Insurance

This basic plan costs the least money and is legally required for every Thar owner in India. The plan specifically covers damages when your Thar accidentally hurts other people or damages their property during accidents. However, it won't pay anything to fix your own Thar. New Thar buyers can choose longer coverage periods and pay just once to stay protected for up to 3 years*.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) cover safeguards your vehicle against losses arising from accidental damage, floods, storms, theft, and fire. It ensures better financial security by covering costly repair expenses and damages. The policy is available only with valid third-party insurance.

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Key Features

Key Features of IndusInd Mahindra Thar Insurance

Our Thar insurance comes with many useful features that make your life easier during tough times. From quick claim processing to 24/7 support, everything works smoothly together. Let's explore how a reasonable Thar insurance price delivers these premium features that make us different from others in the market.

Key Features

Key Features	Descriptions
Starting Premiums	₹308/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 is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

IndusInd Mahindra Thar Car Insurance: Inclusions & Exclusions

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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.

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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 Thar 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 Thar

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Mahindra Thar Car Insurance Add-On Covers

Basic insurance is good, but add-on covers make your Thar protection much stronger and complete. These covers help with specific problems that Thar owners face during their adventures. Each add-on solves different issues that regular insurance doesn't cover.

Nil Depreciation

This cover pays the full amount for plastic and rubber parts without reducing any money for age. When your Thar gets damaged during off-road adventures, you receive complete payment for replacing all damaged parts.

Pay As You Drive

Pay insurance only for the kilometres you drive yearly - perfect for weekend adventure trips. Choose between 2,500 to 10,500 kilometres* and purchase additional distance whenever needed for your Thar.

Return to Invoice

If someone steals your Thar or it gets destroyed in accidents, you get back every rupee you originally paid. This includes the showroom price plus all the taxes and registration fees you paid when buying. With our affordable Thar insurance price, you never lose any money from your original purchase amount.

Engine Protection

Your Thar's engine can break when water gets inside during river crossings or heavy flood situations. This cover pays all costs for fixing or replacing your damaged engine when such problems happen.

Car Tyre Protection Cover

Driving on rocks and rough roads can easily damage your Thar's tyres during exciting off-road adventures. This cover pays for buying new tyres when they get cut or punctured on difficult terrain.

Key & Lock Replacement

Losing your Thar keys during camping trips in remote places costs thousands of rupees to replace. This cover pays for making new keys and setting up the electronic systems in modern keys.

Consumable Expenses

Small repair items like engine oil, nuts and bolts always add extra money to your Thar repair bills. This cover pays for all these small consumable items that mechanics use during any repair work.

RIM Protection

Your Thar's stylish alloy wheels can get badly damaged from hitting rocks and potholes during off-road driving. This cover pays to fix or replace damaged wheel rims that normal insurance policies never cover.

Roadside Assistance

If your car stops working during remote mountain trips, getting help becomes extremely difficult and expensive. This cover gives you 24-hour emergency help like vehicle towing and on-spot repairs wherever you are stuck.

Personal Belongings

Valuable things like expensive laptops and smartphones can easily get stolen from your parked Thar in busy places. This cover pays money for personal items worth more than ₹5,000* that gets stolen from your vehicle.

Daily Allowance Benefit

When your Thar is in the garage for more than 3 days, you need other options. This gives you daily money to pay for transportation during repairs. It helps cover the extra travel costs when your Thar is getting fixed.

EMI Protection Cover

If your Thar needs very long repairs, you still have to keep paying your monthly loan EMIs. This cover pays your loan EMIs when repairs take more than 21 days to finish completely.

No Claim Bonus Retention Cover

Making even one insurance claim usually means losing your no-claim bonus discount on future insurance payments. This cover lets you keep your discount benefits even after making up to 2 claims during the year*.

Electrical Accessories Cover

Extra electrical items like powerful music systems and GPS devices can get damaged or stolen very easily. This cover protects additional electrical accessories that your standard insurance policy doesn't cover at all.

Non-Electrical Accessories Cover

Custom things like special seat covers and protective bumper guards can get damaged or stolen from your Thar. This cover protects non-electrical accessories like decorative trim pieces completely.

EV Battery Protection

Electric Thar batteries can get seriously damaged from water flooding or sudden power surges during home charging. This cover pays for very expensive battery repairs or complete replacement when such damage happens.

Electric Motor Protect

Your electric Thar's main motor can completely fail from water damage or overheating during regular daily use. This cover pays for motor repairs or full replacement when electrical problems occur in the system.

EV Charger Cover

Your home EV charging equipment can get damaged from electrical power surges or theft very easily. This cover pays to repair or replace all damaged charging equipment installed at your home location.

Geo Extension Cover

This special cover lets you legally drive your Thar in nearby countries like Nepal and Bhutan during holidays. Your insurance policy works properly in 6 neighbouring countries during exciting cross-border adventure trips.

How to Buy

How to Buy/Renew Mahindra Thar Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Mahindra Thar Car Insurance Premium

Your Thar insurance price depends on many different things that insurance companies check before giving you a price. Understanding these factors helps you get better rates and save money on your Thar car insurance. Some factors you can control, while others depend on your Thar model and location.

Your Thar's Current Market Value (IDV)

Your Thar insurance cost depends mainly on how much it's worth in today's market, not what you paid when you bought it. As your Thar gets older each year, its value goes down in the market. When the value drops, your insurance becomes cheaper too. This is why a brand-new Thar costs more to insure than a 5-year-old one, since newer vehicles are worth more money.

Vehicle Make and Model

The exact model of your Thar also makes a big difference in determining Thar insurance price variations. For example, if you own the top LX model with all the fancy features, you'll pay more than someone with the basic AX model. This happens because the LX has expensive parts that cost more to replace or repair. Since the Thar is built for adventure driving, it generally costs more to insure than regular cars.

Coverage Type Selection

The type of coverage you pick directly affects how much you pay every year. If you only buy basic third-party, your cost stays low. If you choose comprehensive coverage, you will pay more but get complete protection for both your Thar and for third-party. Some people pick a middle option with only own-damage coverage, which costs less than comprehensive but doesn't protect against third-party claims.

Additional Coverage Options

Every additional feature you add to your policy increases your total cost by a certain amount. Popular extras like engine protection and zero depreciation coverage cost more money upfront. But these add-ons can save you thousands of rupees when you actually need to make a claim, especially if you love taking your Thar on tough adventures.

Your Claim History

Your history of making claims plays a huge role in determining your new premium amount. If you've claimed money in previous years, you will pay more than someone who has never made any claims. This happens because frequent claims suggest you are more likely to have accidents or problems. If you have never claimed anything, you earn special no-claim bonus discounts that can significantly reduce your costs.

Anti-Theft Security Features

Installing proper anti-theft devices in your Thar can help bring down your premium by a small percentage. Modern security systems like GPS trackers and engine locks make it very hard for thieves to steal your vehicle. When your vehicle has these safety features, insurers often reduce the Thar insurance price because theft chances become much lower.

Mahindra Thar Key USPs

The Thar has a strong engine that gives good power for driving up hills and through water. This strong engine helps you go to tough places where normal cars simply cannot reach at all. However, water can easily hurt this expensive engine during heavy rains or when you drive through deep rivers. That's why our engine cover becomes very important for keeping your Thar's engine completely safe during all adventures. With our protection, you never worry about expensive engine repair bills while enjoying your outdoor trips.

Your Thar can easily drive on rocks and mud because it has special 4WD parts and high ground clearance. These special off-road parts help your Thar climb anywhere, but they also cost much more money to fix than regular car parts. Unfortunately, rocks and rough roads often break the important parts of your Thar during exciting adventure trips. Our affordable Thar insurance price quickly solves this problem by paying to fix all these important parts whenever they break during your fun trips.

The Thar has a very strong metal body and tough bumpers that keep you safe during rough driving. These strong parts protect you well, but they unfortunately cost much more money to repair when damaged. When your Thar hits big rocks or gets badly scratched by tree branches, these tough parts need expensive professional repair work. Our insurance immediately helps by paying for all body repair costs, so you can always drive on rough roads without ever worrying about expensive repair bills.

New Thar cars come with modern touch screens, bright LED lights and comfortable interiors for long adventure trips. These modern features make your drives much more enjoyable, but they also cost more money to fix when problems happen. Unfortunately, water, dust and constant shaking from rough driving can easily break these expensive electronic parts over time. Our electrical cover immediately protects all these modern parts, so your Thar always stays comfortable and ready for exciting outdoor adventures.

How to File?

How to File a Mahindra Thar Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours 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

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 Thar - Models and Prices

Mahindra offers different Thar models with various features and price ranges for different types of adventure lovers. Each model has different insurance needs because of their unique features and market value. Knowing your exact model helps you get the right insurance coverage at the best price. Here are all current Thar models with their prices.

Variant	Ex-Showroom Price
Thar AX Opt Hard Top Diesel RWD	₹11.50 Lakh
Thar LX Hard Top Diesel RWD	₹13.16 Lakh
Thar LX Hard Top AT RWD (Petrol)	₹14.42 Lakh
Thar AX Opt Convert Top Petrol	₹14.49 Lakh
Thar AX Opt Convert Top Diesel	₹14.99 Lakh
Thar AX Opt Hard Top Diesel	₹15.15 Lakh
Thar LX Hard Top Petrol	₹15.20 Lakh
Thar Earth Edition Petrol	₹15.40 Lakh
Thar LX Hard Top MLD Diesel	₹15.70 Lakh
Thar LX Convert Top Diesel	₹15.90 Lakh
Thar LX Hard Top Diesel	₹16.12 Lakh
Thar Earth Edition Diesel	₹16.15 Lakh
Thar LX Convert Top AT Petrol	₹16.65 Lakh
Thar LX Hard Top AT Petrol	₹16.80 Lakh
Thar Earth Edition AT Petrol	₹17.00 Lakh
Thar LX Hard Top MLD Diesel AT	₹17.15 Lakh
Thar LX Convert Top Diesel AT	₹17.29 Lakh
Thar Earth Edition Diesel AT	₹17.60 Lakh
Thar LX Hard Top Diesel AT (Top Model)	₹17.62 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

Getting the right insurance for your Mahindra Thar is smart and necessary for every adventure lover who owns this popular SUV. The Thar sells over 9,800 units monthly in India, making it one of the most wanted adventure vehicles today. This means thousands of Thar owners need good protection for their investment every single month.

IndusInd General Insurance (formerly Reliance General Insurance) plans protect your Thar's strong engine, tough body and modern features that make adventures possible and enjoyable. With car insurance markets growing fast and Thar prices starting at ₹11.50 lakhs*, protecting your investment becomes very important now. We offer quick claim settlement through our easy IndusInd Insurance app, plus our helpful customer support team works 24/7 for you.

The main benefits that make us special include our quick claim settlment, which means we pay almost every valid claim quickly. Our engine protection covers expensive repairs that cost lakhs during monsoons or river crossings during adventures. The zero depreciation add-on saves you thousands on plastic and rubber parts that Thars need after off-road trips. Our network garages use only genuine Mahindra parts to keep your Thar running perfectly.

Don't wait for accidents to happen before getting protection. With our reasonable Thar insurance price, your adventures stay safe, enjoyable and easy always. Get covered today and keep exploring India's beautiful places without expensive repair worries.

Author - Model Car

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Thar insurance starting at just ₹308 per month*!

Get Tailored Car Protection With Us!

Get all-around protection for your Mahindra Thar 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.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

How much is the cost of car insurance?

Mahindra Thar insurance starts from just ₹308 per month* for basic, which meets legal requirements. Comprehensive Thar insurance costs vary depending on your specific Thar model and chosen coverage level. Higher-end models like LX variants cost more to insure than basic AX models because of their expensive parts and features.

Will my insurance cover the accessories I have installed in my Mahindra Thar?

Standard insurance policies don't automatically cover aftermarket accessories you added to your Thar after purchasing from the showroom. However, you can buy electrical and non-electrical accessory add-on covers to protect custom additions like music systems and seat covers. These special add-ons ensure all your personalised modifications stay protected during accidents and theft incidents.

What add-ons would suit my Mahindra Thar the most?

Here are a few we would highly recommend getting – Engine protection works best because Thar engines often face water damage during river crossings and heavy monsoon flooding. Zero depreciation helps save thousands on plastic parts that get damaged during off-road adventures on rocky terrain. 24/7 Roadside assistance becomes essential when your Thar breaks down in remote mountain areas during weekend adventure trips.

What are the types of documents required to claim Mahindra Thar car insurance?

You need an insurance policy copy, a valid driving license, an RC book and a police FIR for all accident claim submissions. For theft claims, provide a police complaint, all vehicle keys and original documents immediately. Additionally, submit repair bills, damage photos and completed claim forms within time limits for faster processing.