MG Astor Car Insurance

Name: MG Astor Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The MG Astor is a premium SUV that blends cutting-edge technology with elegant design. Whether you're cruising through city streets, heading out on weekend getaways, or simply enjoying its AI-powered features, this SUV makes every drive smarter and safer. But even the smartest vehicles need protection and that’s where IndusInd car insurance comes in.

For instance, urban driving often comes with risks like minor collisions or electronic system failures. With our comprehensive car insurance plan, you can opt for add-ons like Return to Invoice or Electrical Accessories Cover, ensuring your MG Astor stays protected from unexpected expenses.

Car insurance is also a legal requirement for all vehicles in India. So, your MG Astor must be insured with at least a third-party car insurance policy.
Choose IndusInd General Insurance (formerly Reliance General Insurance) for a seamless experience. Buy your policy online and store it digitally using the IndusInd Insurance app so your insurance documents are always just a tap away!

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (previously known as Reliance General Insurance) offers access to a wide range of add-ons, a simple claim process, 24x7 customer support and a strong cashless garage network, all designed to keep your MG Astor protected.

Model Car

15 plus add-on covers

Customise your MG Astor Car Insurance 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 MG Astor Insurance?

Legal Mandate

All car owners in India must have at least third-party car insurance coverage, as per the Motor Vehicles Act. Your MG Astor, with its advanced tech and premium features, deserves more than just basic protection. A comprehensive car insurance plan not only keeps you legally compliant but also ensures financial safety in case of accidents or damage.

Covers Car Repairs

The MG Astor’s modern build and smart features make it ideal for city driving, but even the best cars face wear and tear. From minor dents to major repairs, our car insurance policy helps cover the costs. Add-ons like Zero Depreciation and Consumables Cover ensure you don’t have to worry about paying out of pocket for parts or labour.

Covers Car Theft

With its sleek design and high-end features, the MG Astor can be a target for theft. Car insurance protects you from financial loss if your vehicle is stolen. Our comprehensive plan includes theft coverage, so you can rest easy knowing your investment is secure — whether parked at home or in a public space.

Covers Natural Disasters

Floods, storms, and other natural disasters can cause serious damage to your MG Astor’s engine, electronics, and bodywork. With our car insurance, you’re covered against such unpredictable events. Add-ons like Engine Protect and Electrical Accessories Cover ensure your car stays protected, even when nature strikes unexpectedly.

Covers Fire and Fire-Related Damage

Fire damage can occur due to short circuits, lightning strikes, or even external hazards. The MG Astor’s advanced electrical systems need specialised care, and our insurance policy includes fire-related coverage. This means you won’t have to bear the cost of repairs or replacements caused by fire incidents.

Network Garages and Spare Parts

MG Astor owners benefit from access to a wide network of authorised garages and genuine spare parts. Our insurance ensures that repairs are done using original components by trained professionals. With cashless service options and quality assurance, your car gets the care it deserves without any hassle.

Types of MG Astor Car Insurance Plans

Comprehensive Car Insurance

The MG Astor deserves complete protection, and our comprehensive car insurance plan delivers just that. It covers both own damage and third-party liabilities, ensuring you're financially secure in case of accidents, theft, or natural disasters. With access to over 15 add-ons like Zero Depreciation and Engine Protect, you can customise your coverage to match your driving needs and lifestyle.

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Pay As You Drive Car Insurance

Drive smart and pay only for how much you drive. Our Pay As You Drive plan calculates your MG Astor’s insurance premium based on your annual driving distance (2,500–10,500 km), with a 125 km grace buffer. Unused kilometers can be carried forward, making this plan ideal for city drivers or occasional travellers who want flexibility without compromising on coverage.

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Third Party Car Insurance

Stay compliant with Indian motor laws by securing third-party car insurance for your MG Astor. This mandatory plan covers damages caused to other vehicles, property, or individuals in case of an accident. You can opt for a one-time premium payment that covers up to five years, ensuring long-term peace of mind and legal protection on every drive.

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Own Damage Car Insurance

Tailored for MG Astor owners who already have third-party insurance, this standalone policy covers damages to your vehicle from accidents, fire, vandalism, and natural disasters like floods or landslides. Choose from short-term (1 month) to long-term (up to 1 year) coverage options to suit your driving habits and protection needs.

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Key Features

Key Features of IndusInd MG Astor Car Insurance Insurance

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 MG Astor Car Insurance 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 MG Astor Car Insurance 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.

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MG Astor Insurance Add-On Covers

Your MG Astor is a premium SUV packed with technology and style. To match its sophistication, our car insurance add-ons offer tailored protection, financial relief, and emergency support. Choose from these valuable add-ons to customise your coverage and drive worry-free.

Nil Depreciation Cover

Get full claim settlement without depreciation deductions on parts like plastic, rubber, and glass. This add-on ensures your MG Astor’s repairs are covered at actual cost, helping you avoid out-of-pocket expenses during claims.

Pay-As-You-Drive Insurance

Pay only for how much you drive. This usage-based add-on calculates your MG Astor’s premium based on actual kilometres driven, rewarding low-mileage drivers with reduced insurance costs and flexible coverage.

Return to Invoice Cover

In case of total loss or theft, this add-on bridges the gap between your MG Astor’s IDV and its original invoice value. It ensures you receive full reimbursement, offering complete financial protection for your investment.

Engine Protection Cover

Protect your MG Astor’s engine from water ingression, oil leakage, and other non-accidental damages. This add-on covers critical components often excluded from standard policies, saving you from costly repairs.

Gearbox Protection Cover

Covers repair or replacement costs for your MG Astor’s gearbox due to internal damage or fluid leakage. Ideal for city and highway drivers who want to safeguard their vehicle’s performance systems.

Tyre Protection Cover

Covers repair and replacement costs for tyres damaged due to cuts, bursts, or accidents. This add-on ensures your MG Astor stays mobile without unexpected tyre-related expenses.

Key Replacement Cover

Lost or stolen keys? This add-on reimburses the cost of replacing your MG Astor’s keys and lock system, offering security and convenience when you need it most.

Consumables Cover

Reimburses costs for consumables like engine oil, brake fluid, nuts, bolts, and washers used during repairs. This add-on reduces your maintenance expenses and keeps your MG Astor running smoothly.

RIM Protection Cove

Protects your MG Astor’s alloy or steel wheel rims from accidental damage. Covers repair or replacement costs, ensuring your vehicle’s aesthetics and performance remain intact.

24x7 Roadside Assistance

Get emergency support anytime, anywhere. This add-on includes towing, battery jump-starts, tyre changes, fuel delivery, and more — keeping your MG Astor safe during breakdowns.

Loss of Personal Belongings

Provides financial coverage for personal items stolen or damaged during an accident or theft involving your MG Astor. Ideal for securing valuables kept in your car.

EMI Protection Cover

Covers up to three EMIs if your MG Astor is under repair for more than 21 days. This add-on offers financial relief during extended downtime, helping you manage loan payments stress-free.

Daily Allowance Benefit

Reimburses daily transport costs while your MG Astor is in the garage for repairs. This add-on ensures uninterrupted mobility and financial support during vehicle downtime.

Total Cover

Offers complete compensation in case of total loss or severe damage. This add-on goes beyond standard limits, providing maximum financial protection for your MG Astor.

Geo Extension Cover

Extends your MG Astor’s insurance coverage beyond Indian borders. Ideal for international road trips, this add-on ensures global protection wherever you drive.

Electrical Accessories Cover

Covers damage or theft of manufacturer-installed electrical accessories like infotainment systems, sensors, and cameras. Essential for MG Astor’s tech-savvy owners.

Non-Electrical Accessories Cover

Protects non-electrical accessories such as seat covers, roof racks, and custom fittings. This add-on secures your personalisation investments in your MG Astor.

Emergency Hotel Accommodation

Covers hotel stay expenses if your MG Astor breaks down far from home. This add-on offers financial relief during travel interruptions, ensuring comfort and convenience.

How to Buy

How to Buy/Renew MG Astor Car Insurance 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 MG Astor Car Insurance Premium

Your MG Astor’s insurance premium is calculated based on several key factors that reflect your vehicle’s value, usage, and protection level. Understanding these elements helps you make informed decisions and optimise your coverage.

MG Astor’s Insured Declared Value (IDV)

The IDV represents your MG Astor’s current market value. A higher IDV leads to a higher premium but ensures better claim payouts. You can adjust the IDV while purchasing or renewing your policy to balance cost and coverage.

Type of Coverage Selected

Choosing between third-party and comprehensive insurance directly affects your premium. Comprehensive plans offer broader protection but come at a higher cost, especially when paired with add-ons.

Add-On Covers Chosen

Add-ons like engine protection, tyre cover, and roadside assistance enhance your MG Astor’s coverage. However, each add-on increases your premium, so choose based on your driving habits and needs.

Car’s Make, Model & Fuel Type

Your MG Astor’s variant, fuel type (petrol or turbo), and engine capacity influence the premium. Higher engine specs or usage in high-risk zones may result in increased insurance costs.

Claim History and No Claim Bonus

If you haven’t filed any claims in the previous policy year, you may be eligible for a No Claim Bonus, reducing your premium. Frequent claims, however, can lead to higher renewal costs.

Anti-Theft Device Installation

Installing IRDAI-approved anti-theft devices in your MG Astor signals enhanced vehicle security. This lowers the risk of theft-related claims and can help reduce your insurance premium.

MG Astor Key USPs

The MG Astor stands out as a tech-forward SUV that redefines what modern driving feels like. With its AI-powered personal assistant, autonomous level-2 features, and advanced driver aids, it’s more than just a car, it’s a smart mobility companion. Whether you're navigating city traffic or cruising on highways, the Astor’s intelligent systems work seamlessly to enhance safety, convenience, and control, making every drive smarter and more intuitive.

MG Astor brings the future to your fingertips with its connected car technology. From voice commands to remote vehicle controls via the i-SMART app, it offers a truly interactive driving experience. You can check vehicle health, geo-fence your car, or even pre-set climate controls, all from your smartphone. This seamless integration of digital features ensures that your MG Astor is always in sync with your lifestyle, keeping you connected wherever you go.

Whether you choose the spirited turbo petrol or the refined naturally aspirated engine, MG Astor delivers a balanced mix of power and efficiency. Its responsive handling, smooth suspension, and multiple drive modes make it ideal for both city commutes and weekend getaways. The Astor’s performance is engineered to adapt to Indian roads, offering a confident and comfortable ride across varied terrains without compromising on fuel economy.

Step inside the MG Astor and you’re greeted by a cabin that blends elegance with functionality. Soft-touch materials, leatherette upholstery, and a panoramic sunroof elevate the premium feel. The ergonomically designed seats and ambient lighting create a relaxing environment, while the infotainment system and digital cluster keep you informed and entertained. Every detail is thoughtfully crafted to make your time inside the Astor feel indulgent and refined.

How to File?

How to File a MG Astor Car Insurance 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.

MG Astor- Models and Prices

The MG Astor isn’t just one car, it’s a lineup of smart, stylish variants designed to suit every kind of driver. Whether you’re drawn to its AI-powered features, turbocharged performance, or premium interiors, there’s an Astor that fits your lifestyle. Explore the full range of MG Astor variants below to find the one that matches your driving needs and personality.

MG Astor Models	Ex Showroom Price
MG Astor Sprint (Base Model) Manual, Petrol	₹10,00,000
MG Astor Shine Manual, Petrol	₹12,00,000
MG Astor Select Manual, Petrol	₹13,31,000
MG Astor Select BLACKSTORM Manual, Petrol	₹13,45,000
MG Astor Select CVT Automatic, Petrol	₹14,33,000
MG Astor Select BLACKSTORM CVT Automatic, Petrol	₹14,46,000
MG Astor Smart Blackstorm Manual, Petrol	₹14,48,000
MG Astor Sharp Pro Manual, Petrol	₹15,00,000
MG Astor 100 Year Limited Edition Manual, Petrol	₹15,20,000
MG Astor Smart Blackstorm CVT Automatic, Petrol	₹15,77,000

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

The MG Astor has established itself as one of the most feature-rich and technologically advanced SUVs in India. Known for its premium design, AI-powered personal assistant, spacious cabin, connected car technology and comprehensive safety features, the Astor is a preferred choice for urban drivers, families and adventure enthusiasts alike. Its refined performance, comfortable ride quality and modern driver-assistance features make every journey enjoyable, whether you're navigating city streets or embarking on long road trips.

While the MG Astor is engineered with advanced safety systems and robust build quality, it still requires the protection of IndusInd car insurance to safeguard it against life's unexpected events.

Purchasing a car insurance policy with us helps protect your Astor from financial losses arising due to accidents, theft, fire, natural disasters, vandalism and even animal collisions. Our coverage ensures that unexpected repair costs do not impact your finances while also providing protection against third-party liabilities, helping you stay secure and compliant on the road.

With IndusInd MG Astor Insurance (formerly known as Reliance MG Astor Insurance), you can enjoy a range of valuable benefits. These include 24/7 roadside assistance*, access to a network of 11,000+ cashless garages*, free towing services* and seamless claim registration through the IndusInd Insurance app, ensuring quick support whenever you need it.

Don't let unforeseen incidents disrupt your driving experience. Insure your MG Astor at an affordable premium starting from just ₹308/month* and enjoy complete peace of mind on every journey, from daily city commutes to memorable weekend getaways.

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.

Dzire insurance starting at just ₹308 per month*

Get full-circle protection for your Astor!

From damage and theft to add-ons like roadside assistance, we’ve got you covered.

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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)

What is the best car insurance for the MG Astor?

The best car insurance for the MG Astor is a comprehensive car policy with add-ons to protect the engine and consumables. This will also cover third-party liabilities and own-damage claims.

What documents do I need to submit to buy insurance for my MG Astor?

To buy car insurance, you must submit your driver’s license, registration details, ID proof, address proof, invoice, and previous insurance policy for renewals.

Will I get discounts if I purchase insurance online?

Yes. There are occasional exclusive discounts if you purchase car insurance online, since middlemen are removed.

Can I purchase add-ons for my policy on renewal?

Yes. You can add covers for your policy and make other adjustments during renewals and purchases. Your premium amount will be adjusted accordingly.

What is a voluntary deductible?

A voluntary deductible is a set amount that you agree to pay towards your claim. You declare it when you make a claim, and it reduces your premium amount.