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Mahindra Jayo
The Mahindra Jayo is a light commercial vehicle (LCV) / goods-carrying truck produced by Mahindra Truck and Bus Division. It’s designed primarily for cargo transport — i.e. goods-carrying, not for personal passenger use.
Mahindra Jayo specifications and models
| Specification | Detail |
| Engine | 2.5-litre mDi Tech, 4-cylinder diesel (BS-VI compliant, ECR + SCR technology) |
| Power / Torque | ~ 80 HP (≈ 60 kW) @ 3200 rpm, 220 Nm @ 1250–2200 rpm |
| Transmission / Gearbox | 5-speed manual + 1 reverse (5 F + 1 R), BD-30 gearbox |
| GVW (Gross Vehicle Weight) | 4,990 kg (approx 5 ton) |
| Payload Capacity | ~ 2,610 kg (typical for diesel variants) |
| Load-Body Dimensions | ~ 3220 mm length × 1920 mm width (for standard body) |
| Tyres / Wheels | 7.0 × 16 (14 PR) tyres standard. |
| Fuel Tank Capacity | 60 litres |
| Chassis Type / Suspension | Ladder-type chassis; semi-elliptical leaf spring suspension front and rear. |
| Emission Norms | BS-VI compliant (diesel version) |
| Max Speed / Use Case | Up to ~ 80 km/h (typical for city/local goods transport) |
What is Included in Mahindra Jayo Insurance?
- Mahindra Jayo insurance includes third-party liability cover, which pays for injury, death or property damage caused to other people or vehicles.
- It includes legal liability protection for accidents involving the insured Jayo.
- It usually includes personal accident cover for the owner-driver in case of death or permanent disability while driving the vehicle.
- If you choose a comprehensive policy, it also covers damage to your own Jayo from accidents or collisions.
- It covers fire, explosion, and self-ignition damage to the vehicle.
- It covers theft, burglary and robbery, including complete vehicle theft.
- It covers natural calamities such as floods, storms, cyclones, earthquakes and landslides.
- It covers man-made incidents like riots, strikes, vandalism or malicious acts.
- Some policies include damage during transit when the vehicle is transported by road, rail, water or air.
- Optional add-ons can include zero-depreciation cover, engine protection, roadside assistance/towing, accessories cover, tyre damage cover, and No-Claim Bonus protection.
What is not Included in Mahindra Jayo Insurance?
- Wear and tear, age-related depreciation, mechanical or electrical failure—normal wear, aging, and regular maintenance problems are not covered.
- Use beyond legal limits / abuse / overloading / unauthorized use — If the vehicle is overloaded or utilized in violation of license/permit conditions/traffic rules.
- Most insurance policies do not cover driving while under the influence of alcohol or drugs or by an unlicensed driver.
- Contractual liabilities are obligations under contracts or commercial liabilities that are not covered by the policy.
- Nuclear threats, war dangers, and self-harm or deliberate destruction — War, nuclear threats, and deliberate damage or self-harm are examples of uninsured risks that are usually not covered.
How to get a claim for Mahindra Jayo Insurance?
- Inform the insurance company immediately after an accident, theft, fire, or any damage. Use their helpline, mobile app, or website.
- Provide basic details such as policy number, vehicle number, location of incident, time, and type of damage.
- Do NOT move the vehicle (in case of an accident) until the insurance company tells you, unless it is blocking traffic or unsafe.
- The insurer will assign a claim registration number — keep it safely for all updates.
- A surveyor/inspector will visit to check the damage to your Mahindra Jayo and prepare a report.
- Submit the required documents: RC copy, driving licence, insurance policy, FIR (if required), claim form, repair estimate, and photos of the damage.
- Take your Jayo to an authorized or network garage to get cashless repairs (if available).
- The surveyor approves the repair estimate and repairs begin.
- Once repairs are completed, the insurer either pays the garage directly (cashless claim) or reimburses you if you paid first.
- You may need to pay deductibles, depreciation, or non-covered parts depending on your policy type.
- For theft claims, file an FIR, submit documents to the insurer, wait for police “non-traceable report,” after which the insurer processes the total-loss claim.
How to get Mahindra Jayo Insurance Online?
- Go to a trusted insurer’s website/portal or a comparison/insurance-aggregator site offering commercial-vehicle / truck insurance (for example Shriram General Insurance, Reliance General Insurance, GoDigit Insurance, or a broker/aggregator like Policybazaar / Fincover / others).
- On their site, select “commercial / goods-carrying / truck insurance” — indicate that your vehicle type is a goods-carrying truck (like Jayo).
- Enter the required vehicle and owner details — typically registration number, vehicle usage (commercial/goods-carrying), vehicle age, chassis/engine number (if asked), owner’s identity/KYC info, contact info, etc.
- Choose the insurance plan you want — e.g. Third-Party (mandatory), or a Comprehensive / Goods-Carrying Vehicle Insurance with own-damage + add-ons, depending on your needs.
- (Optional) Select additional covers or add-ons — if offered: e.g. personal accident cover for driver, accessories cover, zero-depreciation / extra protections etc.
- Make payment online — via net-banking / UPI / card / other payment modes as supported by the insurer.
- After payment and verification, you receive the policy documents — typically via email / SMS / PDF download (sometimes also WhatsApp) — this serves as your insurance certificate/policy.
Frequently Asked Questions
Yes, all commercial vehicles, including Mahindra Jayo, must have at least third-party liability insurance as required by Indian law.
It covers third-party liability plus damage to your own vehicle from accidents, fire, theft, natural disasters, and optional add-ons like zero-depreciation, engine protection, and personal accident cover for the driver.
Yes, you can purchase or renew it online through insurance company portals or aggregator websites by providing vehicle details, selecting a plan, and making payment electronically.
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