Once you have logged in, you will need to provide basic information like your name, phone number, and car details so that the system can pull up the relevant insurance policies for you.

Our intuitive website will offer you the relevant insurance plans for you to take your pick. You can also personalize your coverage with add-ons as well.

The last step is paying your premium to get the policy. This policy will reach you via email within a few minutes. 

Just enter your information and pay the premium. Your insurance claim is activated. Yes, just like that!

We stand by making the environment a better place to live in and thus, we offer you online insurance policies, which is the best possible way of you contributing to the environment.

When you buy Morris Garages car insurance online, you help us save on overheads. We provide these savings to you, in the form of discount car insurance premiums.

Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Morris Garages MG insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.

This is another important add-on you can opt for with your Morris Garages MG car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine. 

If you drive safely and do not make a claim against your policy, you are entitled to a discount when you renew your plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Morris Garages MG car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.

With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas, with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!

The Morris Garages MG is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Morris Garages MG insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.

In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.

You were driving drunk or without a valid driving licence.

You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Premium is the cost of your Morris Garages MG car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.

The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase. 

Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Morris Garages MG car insurance policy.

IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer. 

No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your policy.