Mercedes Benz Car Insurance

Name: Mercedes Benz Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Mercedes-Benz is one of the most recognised luxury car brands in India. It is the benchmark of quality, class and performance. The car is preferred for its engineering depth, refinement and high standards. Business professionals and senior executives generally buy Mercedes-Benz for its strong road grip and comfort.

But luxury cars also come with expensive repairs. Even a small scrape or dent on your Mercedes-Benz can affect its cameras, parking sensors, and high-end lighting. A minor incident can lead to a big repair bill. During monsoons, the flooded roads can also cause damage to sensitive electrical systems.

This is where IndusInd Mercedes-Benz insurance becomes essential. You get access to cashless Network Garages*, saving you from paying upfront. With the IndusInd Insurance app file claims, track progress and complete steps without repeated paperwork. Also, if you are left stranded on a highway away from the city, our Roadside Assistance * feature helps. It helps with on-road support, towing and a lot more. Whereas Engine Protection * offers protection against major mechanical damage.

All these features of our insurance come together to provide you with the necessary support. So get your IndusInd Mercedes-Benz insurance policy right away! Continue reading to know more about it.

Why Us

Why 8 Crore+ Policyholders Trust Us?

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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 Mercedes Benz Insurance?

Legal Mandate

Driving your Mercedes-Benz without third party insurance is illegal in India. If you are caught driving your Mercedes-Benz without valid insurance, then you can be fined and penalised. The Mercedes-Benz insurance plan protects you if your car causes injury, death or property damage to others. For a premium vehicle, third-party claims can be higher, so having a valid insurance plan is a must!

Covers Car Repairs

Mercedes-Benz uses advanced electronics, premium materials and complex body structures. Even small accidents can result in costly repairs, mainly for sensors, headlights, panels and bumpers. Having an insurance plan helps in managing all these costs, so you do not have to pay a high amount from your pocket. It makes sure that your vehicle gets repaired quickly without financial stress.

Covers Car Theft

Luxury vehicles are at high risk of theft because of their value and demand for parts. In case your Mercedes-Benz gets stolen and is not recovered, a comprehensive insurance plan compensates you on the basis of the insured value. This lowers the financial impact of losing a high-value asset. Without insurance, replacing such a vehicle can be a huge financial burden that most owners are not prepared for.

Covers Natural Disasters

Earthquakes, flooding, rain, and storms can badly damage vehicles. Water can damage engines, electronics and interiors, leading to costly repairs. But IndusInd Mercedes insurance offers coverage for such natural calamities. This protection is very useful for a premium car like Mercedes, as its repair costs are very high. We ensure that you are not left alone handling such expenses.

Covers Fire-Related Damage

Fire, lightning, explosions or self-ignition can damage a vehicle in no time. Electrical faults and external incidents can lead to heavy losses. The insurance covers repair and replacement costs as per the policy terms and protects you from sudden financial strain. For luxury vehicles with advanced electrical systems, fire-related incidents can lead to severe damage. That is why having this coverage is important.

Network Garages and Spare Parts

Insurance provides access to a wide network of cashless garages offering repair services. That means you do not have to handle large payments upfront at such times; we take care of it. Also, these garages follow the correct repair standards and handle luxury cars carefully. Using authentic spare parts and skilled technicians helps in maintaining your Mercedes-Benz’s safety, resale value and performance.

Types of Mercedes Benz Car Insurance Plans

Comprehensive Car Insurance

This is a type of insurance plan that offers full protection to your vehicle. It covers both third-party liabilities and own damage. In short, it covers damage caused by accidents, theft, natural disasters, fire and other such incidents. cover damages to third-party property and vehicles. Moreover, you can also choose add-ons like roadside assistance, zero depreciation, etc., to enhance coverage.

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Pay As You Drive Car Insurance

If you are someone who uses their Mercedes-Benz less frequently, then this plan is perfect for you. The PAYD plan is a flexible car insurance plan where the premium is calculated on the basis of the total kilometres driven in a specific policy period. The insurers adjust the premium, and you need to pay on the basis of your usage. If you drive less, you pay less.

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Third Party Car Insurance

Every car owner must at least have a third party car insurance as per the Indian laws. It provides coverage for bodily injuries/death as well as property damage to others in an accident involving your insured vehicle. This policy pays for the treatment of third parties, their hospital bills, repairs for their damaged vehicle and other death liabilities. The rates of premium are decided by IRDAI based on the vehicle’s CC.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance offers reliable protection against damages caused by accidents, theft, floods, storms, and fire incidents. It provides dedicated own-damage coverage for better financial security and peace of mind. The cover is available only with an active third-party insurance plan.

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Key Features of IndusInd Mercedes-Benz Insurance

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party
Discounts	Up to 90%
NCB Discount	Up to 50%
Quick Claims Process	Quick cashless survey in 24 hours
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance app
Network Garages	11,000+* network garages nationwide
Instant Buying/Renewal	Quick purchase and renewal
Add-Ons	15+ add-ons available
Personal Accident (PA) Cover	Additional ₹15 lakhs PA cover
24/7 Customer Support	WhatsApp + Calls

Inclusions and Exclusion

Mercedes Benz: Inclusions and Exclusion

Brand - Car

What is Covered?

Accidents and Collisions: Our plan covers the repair costs for damage to your Mercedes Benz insurance caused by a road accident.

Third-party Damages: Our Mercedes Benz 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 Mercedes Benz 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.

Brand - Car

What is Not Covered?

Depreciation: Depreciation of Mercedes Benz insurance parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations & Outside Zone Coverage: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

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Mercedes Benz Insurance Add-On Covers

A comprehensive Mercedes insurance plan already offers broader coverage than a third-party policy. However, its real strength is flexibility. You can opt for useful add-ons as per your requirements. The add-ons are as follows

Nil Depreciation Cover

Also known as zero depreciation cover, it pays the full cost of replaced parts without deducting depreciation during a claim. The add-on reduces your out-of-pocket expenses and is available for cars up to 3 years old.

Pay As You Drive

This add-on cover is ideal for you if you drive your Mercedes occasionally. It links your premium to how much you actually drive. It helps you save on insurance costs while keeping the necessary protection active.

Return to Invoice Cover

Covers costs of consumables like engine oil, brake fluid, nuts, bolts, grease, and AC gas during repairs. Helps avoid out-of-pocket expenses for small but essential items.

Engine Protection Cover

This add-on protects your Mercedes engine against damage from oil spills, water ingress, and mechanical or electrical breakdown. It covers the replacement cost of your car’s engine and parts

Tyre &Protection

This covers the repair/replacement cost of the Mercedec Benz’s tyres if they get damaged by bursts, bulges or cuts. It is useful if you drive your Mercedes on uneven and rough roads.

Key &Lock Replacement

Replacing your Mercedes key when it’s lost/damaged/ stolen can be very expensive. But with this cover, the cost of repairing and replacing your keys will be covered by us.

Consumables Expenses Add-On Cover

The consumables add-on provides coverage for the replacement cost of items damaged in an accident. These include washers, nuts& bolts, lubricants, brake oil, engine oil, oil filters and other minor parts.

RIM Protection Add-On Cover

It protects your alloy wheel rims from accidental damage. This add-on reduces your expenses as the cost of repairing Mercedes wheels is very high.

24/7 Roadside Assistance

It provides 24/7 emergency services to Mercedes owners in the event of a breakdown. It provides services such as minor repairs, flat tyre changes, towing, fuel delivery, battery jumpstarts, etc.

Loss of Personal Belongings

If your personal items are kept inside the Mercedes and are damaged/lost during an accident/theft. This add-on offers compensation and protection for your valuables.

Daily Allowance Benefits

If your car stays in the garage for more than 3 days after an accident. This add-on provides a daily cash allowance to manage travel costs until your car is ready.

EMI Protection Cover

In case of total loss or theft, get the full invoice value of your Mercedes Benz, not just the depreciated IDV. Helps recover the actual purchase price of your car.

EV Battery Protection

This cover is useful for EV Mercedes variants. It protects your EV battery against damage caused by accidents, power surges, water, moisture, explosions, and mechanical shocks.

Electric Motor Protect

This add-on protects your EV motor if it gets damaged by coolant leakage, short circuits, overheating or other electrical failures.

Electric Vehicle Charger

This add-on is useful for your EV. It helps if your EV’s home charging unit gets damaged during accidents, theft, natural disasters and fires.

No Claim Bonus Retention

If no claim is made during the policy year, then you get an NCB discount at renewal. With this add-on, you can keep this discount even after you have made a claim, as per policy terms.

Electrical Accessories Cover

This add-on protects electrical upgrades done to your Mercedes, like ambient lighting, advanced audio systems and added tech features that are not generally included.

Non-Electrical Accessories Cover

It covers non-electrical additions done to your Mercedes, such as interior upgrades and premium seat enhancements. These do not generally come with a standard Mercedes model.

How to Buy and Renew

How to Buy/Renew Mercedes Benz?

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Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

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

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

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

Brand - Car

How to Renew

Go to the top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

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

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Mercedes Benz Car Insurance Premium

Your Mercedes Benz insurance premium is calculated based on several key factors that reflect your car’s value, usage, and risk profile. Understanding these parameters can help you optimise your coverage and reduce your premium costs while ensuring complete protection for your luxury vehicle.

Mercedes-Benz’s IDV

IDV or Insured Declared Value is the current market value of the car. It is the maximum amount an insurance company offers to the policyholder in case of theft or total loss of the insured car. The IDV of the car decreases with the age of the car. So higher the IDV, the higher your policy premium will be. While a lower IDV reduces the premium and also lowers claim payout.

Type of Coverage

The type of insurance coverage you choose also affects the premium. The comprehensive plans are expensive because they cover both own damage and third party damages. The own damage plans offer flexibility of premium. Whereas the third-party insurance is most affordable but offers limited protection. However, this may not be sufficient for a premium car like Mercedes-Benz.

Add-On Covers

The add-ons increase your policy’s coverage, but they come at an additional cost. The more add-ons you add to the insurance policy, the higher the premium and vice versa. However, these add-ons protect high-value parts and risks, which is useful for Mercedes with expensive components. Always make sure to buy the necessary add-ons only.

Mercedes-Benz’s Make and Model

The make and model of your Mercedes directly affect insurance premiums as repair costs differ widely. SUVs, Luxury cars and vehicles with standard systems are expensive because of expert repairs and expensive parts. The insurers also consider spare parts availability, safety rating and past claim records as well. The cars with costly components and high repair frequency have higher premiums compared to the low-maintenance cars.

Claim History

The past claim records play an important role in deciding your premium. If you make frequent claims, the insurers see you as a higher risk, leading to an increase in renewal costs. Moreover, no claims in a year means a low premium. So if you claim history is clean, it reduces insurance costs.

Anti-Theft Devices

If any anti-theft or security devices are fitted in your Mercedes, it can reduce your premium. We offer a discount if your car has certified security systems such as tracking devices and immobilisers. These features make your Mercedes harder to steal, which lowers the premium. However, discounts depend on insurer guidelines and certification.

How to File

How to File a Mercedes Benz Claims?

How to File a Mahindra Car Insurance Claim?

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

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.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Mercedes Benz- Models and Prices

Mercedes Benz is a symbol of luxury, performance, and innovation. Whether you own a sedan, SUV, coupe, or EV, each model is crafted for excellence. The Mercedes Benz is available in multiple variants. There is a Mercedes Benz model to match your needs. And prerferences

Mercedes Models	Prices
Mercedes-Benz GLA	₹75.90 - 76.90 Lakh
Mercedes Benz S-Class	₹1.77 - 1.86 Cr
Mercedes Benz E-Class	₹78.50 - 92.50 Lakh
Mercedes Benz Maybach GLS	₹3.35 Cr
Mercedes Benz EQS	₹1.62 Cr
Mercedes Benz GLE	₹97.85 - ₹1.15 Cr
Mercedes Benz EQS SUV	₹1.41 Cr
Mercedes Benz EQB	₹70.90 - ₹77.50 Lakh
Mercedes Benz AMG GLE 53	₹1.85 Cr
Mercedes Benz G-Class	₹2.55 - ₹4 Cr

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

If you drive a Mercedes Benz to make a statement, attend high-profile meetings, or enjoy weekend getaways with loved ones, you already understand the elegance and engineering excellence this luxury car offers. But even the most advanced vehicles aren’t immune to unexpected events. From minor dents in city traffic to major accidents or theft, risks can arise anytime—regardless of how carefully you drive.

That’s why it’s essential to protect your Mercedes Benz with a comprehensive car insurance plan. With IndusInd Mercedes Benz Insurance (formerly Reliance Mercedes Benz Insurance), you get premium coverage starting at just ₹308/month*, along with 24/7 customer support and a seamless digital-first experience.

Our plans cover accidental damage, theft, and natural disasters like floods, earthquakes, and landslides. You also get legal protection through third-party liability coverage, ensuring peace of mind on every drive.

Plus, with access to 11,000+ network garages*, you won’t need to worry about repair bills we’ll handle them for you. You can even file claims using the IndusInd Insurance app with our easy video claims feature. Don’t wait to secure your Mercedes Benz. Reach out today and get a personalized insurance plan tailored to your car and lifestyle.

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IndusInd General Insurance

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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.

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Get all-around protection for your Mercedes Benz 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

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Seamless digital experience

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

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Limited policy options

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

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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.

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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.

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Visakhapatnam

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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)

Which insurance type is most common in India?

Third-party insurance is most common in India because it is legally mandatory. You could face legal penalties and even imprisonment if you are caught driving your Mercedes without a third party insurance. Also, it offers minimum protection to the car owners, covering third-party injury, death and property damage.

How can I reduce my Mercedes-Benz insurance premium?

Follow the steps below to reduce your Mercedes insurance premium: Choose voluntary deductibles; Save on NCB by not raising claims; Install ARAI-approved anti-theft devices in your Mercedes; Become a member of the Automobile Association of India.

Is it compulsory to get Mercedes insurance?

Yes, it is legally mandatory in India to at least have a third-party insurance for your Mercedes. If you are caught driving your Mercedes without a valid license, then you can get fined and imprisoned as well.

Which car insurance is best for my Mercedes?

The best car insurance depends on your coverage needs and budget. However, a comprehensive plan is considered the best because it offers enhanced protection with better coverage. It covers both third-party liabilities and own damages.

What documents are required to raise a Mercedes-Benz insurance claim?

You will need the following documents to raise a claim under Mercedes four-wheeler insurance. They are as follows: Insurance Policy document; Copy of Mercedes registration certificate; Copy of Police FIR; Repair bills; Claim Form

What insurance add-ons are best for Mercedes-Benz?

The most popular add-ons bought with Mercedes-Benz are engine cover, zero depreciation, NCB and roadside assistance. You can add more add-ons as per your driving needs.