Top Insurance Add-Ons Every Mahindra Owner Should Consider in 2025–26

The motor insurance landscape in India is changing fast.  In the past, insurance was only bought for compliance, but new add-on covers that give car owners more financial security and peace of mind are making it a smarter protection tool. For Mahindra vehicle owners — whether you own an SUV like the XUV700, 3XO, or an EV like the BE6 — understanding which add-ons matter can help you make informed choices and get better value from your policy.

1. Zero Depreciation Cover — A Must for New Vehicles

Zero depreciation cover remains the most popular add-on for new cars.  Normally, when you make a claim, your insurer deducts depreciation on vehicle parts (especially plastic and metal components) before paying you.  With zero debt, this deduction doesn’t apply, meaning you get more claim money. 

 Why Mahindra owners should consider it:

•  Mahindra SUVs and EVs have high repair costs.
•  Zero dep ensures you’re not out of pocket for part replacement after an accident — especially in the first 3–5 years of ownership.

 Tip: Most customers buying brand-new vehicles today opt for zero deposit at the time of purchase.

2. Roadside Assistance — Help When You’re Stranded

Roadside assistance is one of the most widely chosen add-ons, with a very high adoption rate nationwide.

This can include:

•  24×7 breakdown help
•  Service for tows Tyre replacement or jump starts
•  Minor on-spot repairs

 Useful for owners of Mahindra: Your SUV or EV might run into issues far from service centres.  Roadside assistance provides practical support — especially on long highway trips or when driving in remote areas.

3. Return-to-Invoice (RTI) Cover — Protect Investment Value

Return-to-Invoice ensures that in the event of a total loss (like theft or total damage), you’re paid the full invoice price of your vehicle — not just the insured declared value (IDV). 

 Why it's important: 

Mahindra vehicles hold good resale value, but IDV decreases every year due to depreciation.  RTI helps cover that gap, especially useful during the first few years of ownership.

4. Engine & Gearbox Protection — Critical in Rainy Conditions

Standard insurance often does not cover engine damage from water ingress, especially during monsoon floods or deep water crossings.  You could end up spending a lot of money on repairs if you don't have the right add-on. Ideal for Mahindra SUVs:

 Taking your Thar or XUV through flooded areas or uneven terrain increases the risk of engine issues — making this cover very relevant.

5. EV-Specific Covers — A Growing Need

For Mahindra EV owners (like the BE6), traditional insurance might not fully cater to battery-related risks and other EV-specific issues. Awareness around EV insurance is rising sharply, with policies now including dedicated protections like battery and charger cover.

Common EV add-ons include:

• Battery protection
• Charger and charging equipment cover
• Surge or electric motor protection

These can make a big difference given that batteries and EV components are expensive to replace.

How Add-Ons Are Changing Buyer Behaviour

According to recent insurance analysis:

•  Zero depreciation is chosen by around 60% of motor insurance buyers.
•  Roadside assistance is even more popular — around 74% adoption.

Other covers like engine protector and key replacement are gaining moderate traction. 

These trends indicate that motorists are shifting away from "just buying the cheapest policy" and toward protection-first purchasing, particularly as vehicles become more expensive and complex.

Conclusion

For Mahindra owners — with vehicles ranging from rugged SUVs to cutting-edge EVs — the right mix of add-ons can significantly lessen financial risk and give greater peace of mind.

 Here’s a simple checklist before you buy:

•  Know your vehicle’s IDV and how depreciation affects claims.
•  Match your coverage with your driving conditions (city vs highway).
•  Consider EV-specific risks if you own an electric Mahindra.

 Before making a final decision with the dealer, compare online quotes from insurers.