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Mahindra Loadking
Mahindra Loadking Insurance is a commercial vehicle insurance coverage specifically intended for the Mahindra Loadking, a goods‑carrying/light‑commercial vehicle. It offers optional comprehensive coverage that shields the car from theft, fire, accidents, natural disasters, and other damages, as well as mandatory third-party liability coverage as mandated by law, guaranteeing the owner's financial security while using the car for business.
Mahindra Loadking Specifications and models
| Specification | Detail |
| Engine type / Fuel | Diesel, 2.5‑litre mDi / CRDe 4‑cylinder engine |
| Engine displacement | 2500 cc |
| Power / Torque | ~ 81 HP and 220 Nm torque (for main variant) |
| Transmission | Manual — 5 forward + 1 reverse gearbox |
| Fuel tank capacity | 60 litres |
| Gross Vehicle Weight (GVW) / GCW | 6,950 kg |
| Payload capacity | ~ 4,450 kg (for standard cargo version) |
| Dimensions (Overall) | Length: 6,815 mm; Width: 1,800 mm; Height: 2,400 mm |
| Loading platform size | Load‑body internal approx. 3,120 × 1,800 × 500 mm |
| Cabin & Tyres / Wheels | Cabin + chassis (day‑cab); 6‑tyre arrangement (rear dual tyres) for typical 6‑wheel variant. Tyres ≈ 7.5×16 – 16 PR. |
| Suspension / Brakes | Semi‑elliptical heavy‑duty leaf-spring suspension; drum brakes (as per standard commercial‑vehicle setup) |
| Fuel efficiency (approx.) | Reported ~ 9‑11 km per litre (varies with load/usage) |
What is Included in Mahindra Loadking Insurance?
- Third-party liability cover – : If your Loadking causes harm or death to a third party or destroys someone else’s property/vehicle.
- Own-vehicle damage coverage (own-damage) : In the event that an accident damages the truck.
- Theft / burglary / vandalism – : If the car is stolen or damaged purposefully.
- Fire / explosion / self-ignition / lightning, and other fire-related damage
- Natural catastrophes / calamities / “Acts of God” — : Flood, storm, hurricane, earthquake, landslide/rockslide etc. (if policy includes such dangers)
- Vandalism, terrorism, riots, strikes, other hostile acts Damage resulting from strikes, riots, or malicious conduct is typically covered.
- Driver / owner personal accident cover (optional / add-on) — : Compensation for owner-driver (and sometimes paid drivers) in case of death or permanent incapacity due to accident.
What is not Included in Mahindra Loadking Insurance?
- Normal wear & tear or depreciation — Aging of vehicle, wear-and-tear, gradual depreciation are not covered under normal policy.
- Mechanical/Electrical breakdowns or internal failures — Issues due to mechanical breakdown, engine failure from wear, electrical faults, etc., are excluded.
- Use by unauthorised driver / driving without valid licence — If vehicle is driven by someone not authorised in the policy or without a proper licence, coverage can be invalidated.
- Driving under influence of alcohol or drugs / illegal usage — Accidents or damage occurring under such circumstances are excluded.
- Loss or damage to goods/cargo being carried — Insurance covers the vehicle; if you are carrying goods, damage to the goods themselves is not covered (unless you buy a separate “goods-in-transit” policy).
How to get a claim for Mahindra Loadking Insurance?
1. Inform the insurance company immediately
- Call the insurer’s toll-free number or use their app/website.
- Give basic details: policy number, vehicle number, location, and nature of damage/accident.
2. File the claim (register FIR if required)
- For accidents with injury, major damage, theft, or third-party issues → FIR is required.
- For minor damages → FIR may not be needed.
3. Wait for the surveyor inspection
- The insurer will send a surveyor to inspect the Loadking and assess the damage.
- Do not repair the vehicle before the surveyor arrives.
4. Submit required documents
- Common documents : Insurance policy copy, RC (Registration Certificate), Driving licence, FIR (if applicable), Claim form (signed), Photos of damage
5. Repair the vehicle
- Take the Loadking to an authorized network garage for cashless repair.
- Any garage of your choice (reimbursement claim).
6. Claim approval & settlement
- Surveyor submits report → insurer approves.
- For cashless: insurer pays the garage directly (you pay only deductibles).
- For reimbursement: you pay the garage, submit bills, and insurer reimburses later.
How to get Mahindra Loadking Insurance Online?
- Visit a trusted insurer: Go to a reliable commercial-vehicle insurance provider or aggregator such as Shriram General, Reliance General, Digit, PolicyBazaar, etc., that offers truck / goods-carrying vehicle policies.
- Select vehicle type: On the website/app, choose “Commercial Vehicle / Truck / Goods-Carrying Vehicle” as the vehicle category.
- Enter vehicle details: Provide registration number, vehicle type (Loadking / truck / goods-carrier), usage type, owner/driver details, and select the insurance plan (Third-Party or Comprehensive). Add optional covers if needed.
- Pay premium online: Make payment via UPI, card, or net banking. Most insurers offer a fully digital process with instant policy issuance via email/SMS.
- Download policy: After payment and KYC/vehicle verification (if required), download your digital policy document and keep a soft or printed copy in the vehicle.
Frequently Asked Questions
