The Mahindra XUV 3XO, launched in 2024, is a premium compact SUV.. Built for city drives and highway comfort, it offers powerful engine options, a feature-rich cabin, and segment-first innovations. While its performance and style make it a strong choice, securing car insurance for XUV 3X0 is essential to protect against accidents, theft, natural disasters, and unexpected repair costs—ensuring peace of mind for every drive.
Here are the Insurance premium prices of various Mahindra XUV 3XO variants.
| Mahindra XUV 3XO Variants | Insured Declared Value | Zero Depreciation | Net Premium |
|---|---|---|---|
| MX2 | ₹7,99,200 | ₹3,112 | ₹40,203 |
| MX2 Pro | ₹8,31,200 | ₹3,236 | ₹42,072 |
| MX3 | ₹8,71,200 | ₹3,392 | ₹43,079 |
| MX3 Pro | ₹9,11,200 | ₹3,548 | ₹44,718 |
| AX5 | ₹9,67,200 | ₹3,445 | ₹46,530 |
| AX7 | ₹12,35,523 | ₹3,901 | ₹50,844 |
NOTE: The insurance premiums mentioned above are indicative and may vary based on location, driving history, and other factors. Please contact your insurer for an accurate quote.
Here’s why buying car insurance for XUv 3XO a legal mandate, and a necessary financial responsibility:
Driving the newly launched XUV 3XO without valid insurance is a legal offence in India, making car insurance a must-have to stay compliant.
The XUV 3XO comes with premium features like ADAS, panoramic sunroof, and connected car technology, which makes repairs expensive—car insurance helps cover these high costs.
Built for city commutes and highway travel, the XUV 3XO is more exposed to road mishaps, and insurance ensures financial security in case of accidents.
As a stylish and in-demand SUV, the 3XO can be a target for theft or vandalism—four-wheeler insurance protects against such losses.
From monsoon floods in cities to landslides on hill drives, insurance safeguards your XUV 3XO against damage caused by natural calamities.
With car insurance of XUV 3XO, you can fully enjoy the XUV 3XO’s performance and comfort without worrying about unexpected financial burdens.
The 3 types of car insurance available for the Mahindra XUV 3XO are:
Third-party car insurance is the minimum legally required cover that protects you against financial liability if your Mahindra XUV 3XO causes injury, death, or property damage to a third party.
Comprehensive car insurance is a complete protection plan that covers both third-party liabilities and damages to your own XUV 3XO due to accidents, theft, fire, or natural disasters.
Own damage car insurance is designed exclusively for damages to your XUV 3XO. This policy is suitable for owners who already have third-party car insurance but want added protection for their own vehicle.
The highlighted features of Mahindra XUV 3XO are:
Panoramic Skyroof: One of the largest dual-pane skyroofs in its segment, delivering an airy, open-cabin experience.
Dual 10.25-inch Displays: Twin HD screens with a digital instrument cluster and infotainment system.
AdrenoX Connected Tech with Alexa: Control 80+ car functions through smartphone integration and Alexa voice commands.
Harman Kardon 7-Speaker Sound System: Premium audio setup for an immersive sound experience.
Level-2 ADAS Suite: Advanced safety tech including lane departure warning and high-beam assist.
Segment-First Dolby Atmos Audio: RevX A variant offers immersive Dolby Atmos sound under ₹12 lakh.
5-Star Bharat NCAP Safety: Rated highest for adult and child occupant safety.
Three Engine Options with 6-Speed Transmissions: Petrol TCMPFi, TGDi, and diesel CRDe engines with manual, AMT, or torque converter gearboxes.
Spacious and Premium Cabin: Leatherette upholstery, dual-zone climate control, rear AC vents, and wireless charging.
The specifications of Mahindra XUV 3XO that makes this SUV a suitable choice are:
| Specification | Details |
|---|---|
| Engine | 1.2L Turbo Petrol / 1.5L Diesel |
| Power | Up to 131 bhp |
| Torque | Up to 230 Nm (Petrol) / 300 Nm (Diesel) |
| Transmission | 6-speed Manual / 6-speed Automatic |
| Mileage | Approx. 18–20 km/l (Petrol) / 20–21 km/l (Diesel) |
| Fuel Tank Capacity | 42 litres |
| Seating Capacity | 5 passengers |
| Boot Space | 364 litres |
| Ground Clearance | 201 mm |
| Top Speed | Around 180 km/hr |
A Comprehensive XUV 3XO insurance policy the following things will be covered:
Protection from Natural Disasters: Covers damages to your XUV 3XO caused by floods, earthquakes, cyclones, and other natural calamities.
Man-Made Risks: Safeguards against losses due to fire, theft, riots, strikes, or vandalism.
Third-Party Liability: Provides coverage if your XUV 3XO causes injury, death, or property damage to a third party.
Personal Accident Protection: Ensures financial support for the owner-driver in case of accidental injuries or death while driving the XUV 3XO.
Own Damage: Any damages caused to your XUV 3XO as per the car insurance policy terms will be covered.
The XUV 3XO car insurance policy does not cover the following:
Gradual wear and tear or depreciation of your XUV 3XO.
Damage when driven without a valid licence or in violation of the law.
Electrical or mechanical breakdowns not caused by accidents.
Accidents occurring under the influence of alcohol or drugs.
Isolated tyre and tube damage (except when part of an accident claim).
Consequential damages resulting from negligence or delay in repair.
You can buy Mahindra XUV 3XO car insurance through Coverfox by:
Visit the Coverfox website and go to Car Insurance.
Enter your XUV 3XO registration number or choose the “Bought a new car?” option.
Select Mahindra > XUV 3XO and your exact variant.
Click on Get Quotes, compare plans, and add desired add-ons.
Proceed with secure online payment.
The policy document will be sent instantly to your email.
Go to the Coverfox Car Insurance section.
Enter your vehicle registration number.
If expired, fill in policy details..
Log in using a mobile number or old policy number if your policy was bought from Coverfox earlier.
Select your existing or a new plan with add-ons.
Pay online securely.
Renewed policy is delivered instantly via email.
To file a claim for your XUV 3XO car insurance, follow these simple steps:
Report the incident and register your claim with the insurer.
Receive a claim reference/registration number for tracking.
Take your damaged XUV 3XO to a network garage for cashless repairs.
Submit the necessary documents and let the surveyor assess damage.
Once verified, the insurer will settle repair bills directly with the garage.
Get your XUV 3XO repaired at a non-network garage.
Pay the bill and submit it with claim documents to the insurer.
The approved amount will be reimbursed directly to your account.
The premium for your XUV 3XO depends on factors like the variant, city of registration, age of the car, Insured Declared Value (IDV), and the type of coverage chosen (third-party, own damage, or comprehensive).
You can calculate the premium by entering your car details on Coverfox, which will instantly generate quotes based on IDV, coverage type, and add-ons selected.
Yes, you can enhance your coverage with add-ons like Zero Depreciation, Roadside Assistance, Engine Protection, and Consumables Cover to safeguard your XUV 3XO better.
Third-party insurance is mandatory by law but only covers damages to others. For complete protection of your XUV 3XO, a comprehensive plan with add-ons is recommended.
If you miss the renewal date, your XUV 3XO will remain uninsured until the policy is renewed. Insurers may also conduct a vehicle inspection before reissuing the policy.
To secure the best deal, compare multiple insurers online, check for discounts, select the right IDV, and include only essential add-ons for your XUV 3XO.
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