MG Windsor EV Insurance

The MG Windsor EV is a crossover utility electric vehicle (CUV) launched in India on 11 September 2024. As MG Windsor EV was launched, it sold more than 15,000 units in the first 24 hours – rocking the Indian Electric Vehicle market. It was introduced as India’s first Battery-as-a-Service (BaaS) ownership model: vehicle cost starts at ₹9.99 lakh (ex-showroom), with battery rented at ~₹3.5/km. Make sure you pair your MG Windsor EV with EV car insurance online – to remain legally safe and financially sound.

MG Windsor EV comes with various variants, and here are their respective premium prices:

It is legally required to buy MG Windsor EV car insurance, and it is a safe bet for financial protection. Here’s why:

• Legal Compliance

Driving without TP car insurance on public roads with an MG Windsor EV in India can lead to hefty fines (up to ₹4,000). Buy third-party car insurance for legal compliance and to cover any liabilities that can occur from an accident.

• Peace of Mind

Having car insurance while driving an MG Windsor EV will ensure peace of mind – as any legal liability or damages that can potentially occur on the road will be covered by car insurance online.

• Protection Against Comprehensive Damages

Buying comprehensive car insurance ensures your Windsor EV is protected against damages that can occur from natural disasters like floods, earthquakes, storms, hurricanes, etc. and man-made hazards like fire, accidents, explosions, thefts, etc.

• Personal Accident Cover

Now, it is mandatory to have ₹15 lakh personal accident cover for all vehicles, including the MG Windsor EV, as per new rules by IRDAI. This will ensure the financial safety of the driver in case of disability or death.

• Expensive Repair Costs

EV components are expensive to make and to repair. In case your car is in an accident and you do not have own-damage car insurance – the repair cost will take a toll on your wallet.

Here are the key features of MG Windsor EV:

• Luxurious 3-row layout with captain seats and lounge-style rear cabin

• Dual 10.25-inch displays for infotainment and digital instrument cluster

• Powered by a 50.6 kWh battery offering up to 530 km range (IDC)

• Advanced ADAS Level 2 features for safety and assisted driving.

• Panoramic sunroof, wireless charging, and AI voice assistant add a premium appearance.

• V2L (Vehicle to Load) tech enables external device charging using the car’s battery

Here are the specifications of the MG Windsor EV Car

• Battery Pack: 50.6 kWh Lithium-Ion

• Electric Motor: Front-mounted, Permanent Magnet Synchronous Motor

• Max Power: 95 PS

• Max Torque: 180 Nm

• Range (Claimed): 530 km (IDC)

• Top Speed: ~130 km/hr (estimated)

• Charging Time:

  • Fast Charger (DC): 10-80% in ~50 mins
  • Home Charger (AC): 7–8 hours

• Drive Type: Front-Wheel Drive

• Seating Capacity: 6-seater (Captain Seats)

• Infotainment: 10.25-inch touchscreen with connected car tech

• Safety: 6 Airbags, ESP, Hill Hold, TPMS, Rear Camera, ADAS Level 2

• Dimensions (L x W x H): Approx. 4,712 mm x 1,800 mm x 1,760 mm

• Wheelbase: ~2,800 mm

• Tyres: 17-inch alloy wheels

In a car insurance policy for the MG Windsor EV, the following instances will be included:

• Damages done to the policyholder’s car: Includes coverage for repair or replacement costs arising from accidental damage to the insured MG Windsor EV.

• Damages caused by Natural Calamities: Covers losses or damages resulting from events like floods, earthquakes, cyclones, and other natural disasters.

• Damages caused by Man-Made Hazards: Provides protection against risks such as theft, fire, riots, strikes, and other man-made incidents.

• Damages done to Third-Party: Offers coverage for legal liabilities arising from injury, death, or property damage caused to a third party.

• Personal Accident Cover: Ensures financial compensation to the owner-driver in case of accidental injury, disability, or death.

The following things are not covered under car insurance for the MG Windsor EV:

• Wear and tear due to general ageing: Regular depreciation and natural ageing of the vehicle are not covered under the policy.

• Damage caused by a person driving without a valid licence: Any loss or damage occurring while the car is driven by someone without a valid driving licence is excluded.

• Mechanical or electrical breakdown: Failures or malfunctions due to mechanical or electrical issues are not covered.

• Damage while driving under the influence: Accidents or losses that occur while driving under the influence of alcohol or drugs are not covered.

• Damage to tyres and tubes (Except during an accident): Standalone damage to tyres and tubes is not covered unless it occurs during an insured accident.

• Consequential Damage: Any secondary or indirect damage arising from an initial incident is not included in the coverage.

You enhance your MG Windsor EV car insurance with these add-ons:

• Loss of Personal Belongings Cover
• Key and Lock Replacement Cover
• Passenger Cover
• Consumables Cover
• Personal Accident Cover
• Engine Protection Cover
• 24x7 Roadside Assistance Cover
• Zero-Depreciation Cover
• Repair of Glass
• Emergency Transport and Hotel Expenses
• Driver Cover
• Accessories Cover
• Invoice Cover
• Tyre Secure Cover

Buy/Renew online car insurance of MG Windsor EV by:

1. Head over to the Coverfox website, then to Insurance > Car Insurance tab
2. Write down your registration number of the vehicle or
3. Click on “Bought a new vehicle?”
4. Select MG, then Windsor EV
5. Choose your variant
6. Click on Get Quotes
7. Compare prices and select appropriate Add-ons
8. Make an online payment through a secure gateway
9. Your policy will be emailed to you after verification

You can also renew your insurance policy through the Coverfox page by:

1. Head over to the Coverfox Car Insurance page.
2. Enter your registration number for the vehicle
3. If your insurance has expired, fill in the necessary details or
4. Click on “Renew here” if you have already bought the insurance from Coverfox.
5. Log in via mobile number or renew your policy through the previous policy number.
6. Select the existing policy or the new policy as per your needs
7. Make the online payment through a secure payment gateway
8. Your renewed policy will be emailed to you after verification.

For renewals, add your previous policy details and follow the same procedure.

You can make or raise a cashless claim for car insurance online with Windsor EV online by following these steps:

• Register for the cashless claim by contacting your insurer
• After registering, you will receive a claim registration number. Use that for future claims and communications.
• Take your damaged vehicle to an authorised network garage of your insurance company for repairs.
• Submit all the necessary documents to the surveyor.
• The insurance company will confirm its liability and will settle all the bills with the garage directly.