Frequently Asked Questions

Our store professionals are experts and are trained to guide you through the buying process. However we recommend that you consider the following factors before selecting the car of your dreams: This will only help us in serving you better by recommending the right cars that match your as well as your family's expectations.
Mahindra First Choice Wheels is India’s preferred used car mart and is the only organized multi-brand player in the country, with 1700+ outlets in 810+ cities. When you get the Mahindra First Choice Wheels advantage, you will enjoy a high quality and hassle-free buying and selling experience. Our stringent and rigorous quality check processes are designed to ensure that even a second hand car can fulfils your first class dreams.
Mahindra First Choice Wheels currently has 1700+ stores across 810+ cities, with plans to expand to 1800 outlets by 2020. Check the “Find a dealer” section on our website for more details.
We understand that the buying process is filled with decisions that you must make as a buyer. But our trained and qualified professionals at the Mahindra First Wheels store are there to guide you along the way to make this process seamless and hassle-free. Before you choose a car however, here are a few things to consider:
  • Your approximate budget
  • Vehicle usage (distance)
  • Top 3/4 cars in your mind
  • Primary vehicle utility (work, college, weekend travel, long distance outing etc.)
  • Brand preference
  • Style preference
When you sift through these parameters in your mind, it makes it easier for us to help you pick a car that matches your needs and expectations.
The choice is entirely yours, but we recommend that you upgrade to a vehicle that you and your family will enjoy owning and feel a sense of pride in that ownership. Planning your budget is a great way to narrow down your search for the right used car without putting a limitation on the brand. For instance, you may be able to choose between a Hyundai Santro, a Maruti Wagon R, a Ford Ikon or even a Honda City within a single price range and budget.
Typically, the engine life of a new car is 150,000 kms and the average run of a car in Indian conditions is approximately 12,000/- kms per annum. Keeping that in mind, the year of registration and mileage both will help you to get a fair idea about the actual age of a particular car.
Purchasing a pre-owned car is a great way of upgrading the vehicle you currently drive to one of a higher calibre at a pre-defined lower budget. New cars undergo a significantly high rate of depreciation in the first few years, irrespective of usage. This percentage reduces subsequently, which justifies the decision to choose a used car. It also explains why a low-run pre-owned car is significantly cheaper than the "new" version of the same car.
When you purchase a ‘Certified’ used car, you are assured a hassle-free ownership experience. At Mahindra First Choice Wheels, we have a comprehensive 118 point quality inspection policy and a subsequent refurbishment process that ensures every pre-owned car you have access to, gives you the best performance possible.
At Mahindra First Choice Wheels, you can go home with the car you’ve always dreamed of owning, at a price-tag that won’t burn a hole in your pocket. If you have any questions, our qualified and efficient staff is there to help along every step of the way. Here are some things you can personally do, to ensure that you get the most out of your buying experience:
  • Visit the showroom preferably during the day
  • Insist on a test drive every time
  • Check that all features in the car are functioning properly
  • Check that all documentation is in place
  • Take the time out to evaluate all your options before making a choice
Through our rigorous and comprehensive 118 point quality inspection and subsequent refurbishment process, we ensure that our pre-owned cars offer our customers only the very best performance possible. We’d absolutely welcome it if you would like to personally inspect one of our cars. Here are a couple of things you should be looking for:
  • Check for signs of an accident, such as dents or new paint or chrome. Check the body for rust or fill. Look under the car to check for cracks, rusting or welding.
  • Check the condition of the muffler, tailpipe and exhaust components. Look for signs of fluids leaking from the car, including oil, brake or transmission fluid.
  • Lift the hood and check the condition of the belts and hoses. Check the battery to see if it is cracked. Pull out the dipstick to check the oil level, and to see whether it is dirty. Make sure the hood shuts properly.
  • Check all parts and accessories such as lights, horn, mirrors, seatbelts, music system, heater and windows. Make sure they are all in working condition. Have a friend check the outside lights for you. Make sure the doors open and close easily, and that handles and locks work well. Check the dimmer switch, headlights and windshield washer.
Absolutely! Every single vehicle that you will find at Mahindra First Choice Wheels goes through a rigorous, stringent and comprehensive 118 point certification process. Through this thorough and detailed inspection, our qualified technicians ensure that our vehicles are free from damage of any kind. In addition to that, all our cars come with a warranty and 24x7 roadside assistance. Our commitment to quality ensures that you go home with the top-of-the-line pre-owned vehicle that you’ve always dreamed of.
You can pay by cash / pay order / demand draft / credit card / cheque. You can also avail of loans on used cars from various financial institutions, some of whom we have affiliations with.
To get in touch with us, you can send us an email at or call us on +91-9987102376. You could also visit your nearest Mahindra First Choice Wheels store. To find a store near you, click
No, we do not charge any brokerage fee for matching buyers and sellers.
All you need to do in that case is and leave your requirements with our executive. We will do our best to try and find you the car that meets your needs.
Absolutely. Mahindra First Choice Wheels has flexible finance options, provided by some of the most respected financial institutions in India, which will allow you to turn your car dreams into a reality. All you have to do is visit a Mahindra First Choice Wheels store near you and our sales executives will help you along the way. You can also apply online by clicking on the ‘Easy Finance’ section of our website.
Yes, we do. Mahindra First Choice Wheels has affiliations with some of the leading all-India preferred insurance companies, through which we can help you get your car insured. Visit a Mahindra First Choice Wheels store near you and our sales executives will take care of your insurance requirements.
At Mahindra First Choice Wheels, we have car brands to suit just about every aspiration. Some of the brands we deal in are Mahindra, Honda, Hyundai, Maruti Suzuki, Toyota, Ford, Audi, BMW, Fiat, Chevrolet, Skoda and Tata, to name a few.
There are many reasons to purchase a pre-owned car:
  • You get to upgrade to a higher calibre vehicle at a pre-defined lower budget.
  • Second hands cars are especially great for tho se individuals who have just learned to drive.
  • Second hands cars have good resale value as compared to new cars.
warranty products at Mahindra First Choice Wheels are as follows:
  • WarrantyFirst
  • CertiFirst+
  • CertiFirst
  • AssistFirst
To know more about our warranty products, click
At Mahindra Firs t Choice Wheels, our commitment is toward quality. Every vehicle that passes through our doors undergoes a stringent 118 point certification process from our qualified technicians, to ensure that it is in top - notch condition. All our cars also come with a warranty and 24x7 roadside assistance.
Our vehicle s at Mahindra Firs t Choice Wheels undergo a rigorous 118 point certification process that covers the following parameters:
  1. Engine
  2. Cooling System
  3. Air System
  4. Fuel System
  5. Engine – Electrical
  6. Chassis – Electrical
  7. Clutch
  8. Gear Box
  9. Drive Shaft Wheels
  10. Brakes
  11. Suspension
  12. Steering
  13. Body
  14. Doors
  15. Interior
  16. Exterior
  17. A/C & Heater
  18. Tools FOR SELLERS
Yes, we do accept trade - ins . O nce you sell your old car to Mahindra First Choice Wheels, you are under no obligation to purchase a car from us.
There are two ways to evaluate your car:
  • Bring it to a Mahindra First Choice Wheels store near yo u
  • Request a free evaluation at your doorstep. Our evaluator will check the documents, inspect the car and might need to take it for a test drive to arrive at an offer . Our final offer or quotation will be valid for 7 days from the time of evaluation.
No , you do not need to make an appointment. All you have to do is visit your nearest Mahindra First Choice Wheels s tore.If you would like us to come to you for a free evaluation at your doorstep , y ou need to contact us and we will fix up an appointment with you. The evaluation process usually takes 15 to 20 minutes.
Our evaluator at Mahindra First Choice Wheels will begin by inspecting the outer part of your vehicle for signs of previous body repair, frame or flood damage, paint lines, over spray, body putty, dents and scratches. Next, your car ’ s interior, mileage, and age will be checked . Lastly, your car will be taken for a test drive to determine its mechanical condition. We also check that the documentation of your car is in order. Excessive mileage, ownership and wear and tear may lower the overall value of your car and decrease its resale value.
Of course ! Our evaluators and executives have been trained to explain the entire evaluation process in detail to you, as well as the factors that might have impacted the worth of your old car. So if you have any questions at all, please feel free to ask. What if car is hypothecated with a finance company and I owe more on my car than the amount of your offer? In the event that your car is hypothecated with a finance company, it cannot be sold until the full loan amount is paid back to the said company. You need to collect a Foreclosure Statement from the finance company to know about the pay - off amount at the time of selling the car. You can either take care of the pay - off amount or have Mahindra First Choice Wheels pay it on your behalf . The balance amount of the car will then be given to you against the delivery of the car , along with relevant original documents. In addition to that , Mahindra First Choice Wheels will retain a small amount for the NOC, which will be returned to you against the NOC issued from the f inance company. If your pay - off amount is more than our offer for your car, you will need to pay the difference to us ( by cash or demand draft in favour of the finance company) , while we will take care of the pay - off amount that has to be given to the finance company. Please note that you might be asked to visit to the office of the finance company once along with our evaluator to close the loan as this is a requirement by the financier.
Our well - defined processes at Mahindra First Choice Wheels have been designed to offer both buyers and sellers absolute piece of mind. Once we purchase the car from you, it will go through a rigorous and comprehensive 118 point quality inspection and subsequent refurbishment process so that it is in mint condition before we display it in our store . While selling your vehicle, we verify the background of the buyer and ensure that the ownership is transferred properly. We keep the p roof of the transferred RC in our records and we can send it to you for your reference , up on request .
In most cases, you can trade in your leased vehicle in almost the same way as you would any other financed vehicle. Please note that some l easing companies will not allow you to sell the vehicle prior to the expiration of the lease.
If you decide to sell your car to us at Mahindra First Choice Wheels, your payment will be issue d to you within 48 hours.
Our offer is valid for a maximum of 7 days.
Our evaluator will need to check that the following documentation for your car is in place:
  • RC book
  • Insurance policy
  • Service manual
  • Detail of loan or NOC hypothecation from any financial institution
  • Identity proof
  • Dealer invoice
You can kick - start the selling process by either calling us at 1800 102 4800 or SMS SELL to 5757555.
There are a few simple steps involved in procuring a car loan:
  1. Select a used car of your choice.
  2. Fill up the application form.
  3. Submit the required documents to the financial institution in question.
  4. A ‘field investigation’ will be conducted by the financial institution from whom the loan being procured.
  5. Once all parameters are met and the investigation is successful, the financer will give you the ‘approval of loan’.
  6. You will have to submit PDC’s & post approval documents.
  7. The loan amount will be disbursed.
  8. Your dream car is all yours!
The following entities are eligible for a used car loan:
  1. Salaried individuals in the age group of 21 to 60 years (at the end of the tenure)
  2. Self-employed individuals in the age group of 21 to 65 years (at the end of the tenure)
  3. Partnership firms
  4. Public & private ltd. companies
  5. HUFs and trusts
For more information on our eligibility procedure click
You will need to provide :
  1. Photo identity card
  2. Address proof
  3. Proof of income documents
  4. Latest bank account statements
  5. Photographs
The financing options vary from one car to another, depend ing on the model/ y ear of manufacturing and are at the financer’s discretion . Mahindra Finance is our preferred financing partner.
You can get a loan for up to 80% of the car value . This , however , is at the discretion of financial institution from whom the loan is being procured.
The loan tenure options for p re - owned cars are anywhere from 12 to 60 months .
The interest is calculated on a monthly reducing balance basis .
You will have to pay a “ processing fee ”, the amount of which varies from one financial institution to another .
Once you have submitted all the documents required to the financial institution in question, it should approximately take 72 hours for the bank to process the payment.
A co - applicant can either be your spouse or any blood relative that resides in the same address that you have provided to the bank. This is necessary if the income of the loan applicant isn’t justifying the loan amount , and you need to show additional income of another member of your family.
While it is not mandatory to have a guarantor while applying for your loan, some financers extend the loan facility when a guarantor is provided .
While it is not mandatory to have a guarantor while applying for your loan, some financers extend the loan facility when a guarantor is provided .
This process entails the repayment of the loan with equal monthly installment (EMI’s) either through post dated cheques (PDC’s) or through an ECS facility , if available.
Yes, you may, but only after completion of the first 6 months. There is a foreclosure fee that will have to be paid, which varies from 3 - 6% of outstanding principal.
Yes, it absolutely is. According to the Motor Vehicle Act, every motor vehicle plying on the road has to be insured, with a ‘liability only’ policy at the very least.
A cover note is a temporary insurance document establishing proof of insurance that you may use to register your vehicle with. A cover note is valid for 60 days from the date of its issuance and is replaced by an insurance policy.
There are 2 types of covers available:
  1. Liability only cover – This cover insures you against any legal liability following an accident involving your vehicle. It does not cover any damage to your vehicle.
  2. Package cover – This cover insures all liabilities as per the Motor Vehicles Act, as well as damages caused to your vehicle.
The following is covered under a package/comprehensive policy:
  1. Own damage to the insured vehicle caused by:-
    • Accident by external means
    • Fire, explosion, self-ignition and lightning
    • Transit by road, rail, inland waterway, air, lift
    • Burglary, house breaking or theft
    • Terrorism, riots, strikes or malicious acts
    • Earthquake, flood, storm, landslide, rockslide
  2. Third party liability:-
    • Injury or death of third party
    • Property damage (TPPD up to Rs. 7.5 Lacs)
  3. Personal accident:-
    • Personal accident for owner driver (sum insured - Rs. 2 lacs)
It also includes reimbursement of towing charges, up to Rs. 1500 for cars, Rs. 300 for two wheelers and Rs. 2500 for commercial vehicle or actuals, whichever is lower.
A motor insurance company normally provides both, comprehensive and liability only policies for the classes of vehicles mentioned below:
  • Private cars
  • Two wheelers
  • Commercial vehicles
  • Goods carrying vehicles (GCV)
  • Trailers
  • Passenger carrying vehicles (PCV)
  • Miscellaneous and special types of vehicles
The documents required by the insurance company to insure your vehicle or to renew the existing insurance differ from case to case. Generally, the insurance company may ask you for the filled-up and signed proposal form, cheque for premium amount, copy of RC Book, copy of existing insurance policy etc. In addition, the insurance company may also ask you to provide some other documents, as it deems fit. The insurance company may also want to inspect your vehicle before insuring it. Please note that insurance on a vehicle is not valid unless the required amount of premium is received and realized by the concerned insurance company and the cover note has been issued by the insurance company. For the insurance to be valid, the concerned cheque/ DD would need to be cleared in the bank, the required documents have to be submitted to the insurance company, and the cover note should have been issued by the insurance company.
The following factors are not covered under the motor policy:-
  • Wear & tear
  • Mechanical or electrical breakdown, failure
  • Depreciation, any consequential loss
  • Driving under the influence of liquor or drugs
  • Loss or damage attributed to war, mutiny, nuclear risks
  • Any contractual liability

The insured’s declared value (IDV) of the vehicle will be deemed to be the ‘sum insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.

The IDV of the vehicle is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance/renewal and adjusted for depreciation (as per schedule specified below). The IDV of the said car(s) and / or accessories, if any, fitted to the vehicle but not included in the manufacturer’s listed selling price of the vehicle is also like-wise to be fixed.

Not exceedin g 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%

The premium is calculated on the basis of the make/model of your vehicle, its age, place of registration, fuel type and insured declared value (IDV).

The premium is also subject to certain deductions based on the age and occupation of the insured person and the ‘No Claim Bonus’ (NCB) earned by the insured during the policy period. You will need to submit documents or particulars to make use of these discounts. You may have to pay an additional premium if you want extended coverage for personal accident, electrical / non electrical accessories, etc.

Quite simply, a No Claim Bonus is a discount in the own damage premium payable when renewing your policy after a claim-free year. It can be said that it is an incentive for you to drive carefully and avoid accidents.
No claim made or pending during the preceding full year of insurance 20%
No claim made or pending during the preceding 2 consecutive years of insurance 25%
No claim made or pending during the preceding 3 consecutive years of insurance 35%
No claim made or pending during the preceding 4 consecutive years of insurance 45%
No claim made or pending during the preceding 5 consecutive years of insurance 50%
Yes. In the event that you want to shift your insurance policy from one company to the other, you can transfer the No Claim Bonus accrued on your previous policy. You can enjoy the full benefit as you would, with your previous insurer.
No, the law (Insurance Act, 1938) does not permit an insurance company to accept auto insurance premiums in installments.
This is entirely at the discretion of the insurance company. You will need to make a written request to the insurance company, with a description of the accessories, along with their value. There is a chance that you may also have to pay an additional premium for this.
An owner-driver is provided with personal accident cover of up to Rs. 2 lacs (for cars)/Rs. 1 lac (for two-wheelers). This cover can also be extended to paid drivers and persons travelling in the vehicle, on a named as well as unnamed basis.
You can renew your policy through the Mahindra First Choice Wheel’s store, from where you bought your car / policy.
You will need to lodge an FIR in case of the following circumstances:-
  • Any third party personal injury or death, due to an accident involving your vehicle.
  • Any personal injury or death of a paid driver.
  • Any personal injury or death of an owner-driver.
  • Any personal injury or death of a passenger.
  • Any third party property damage.
  • Theft of the entire vehicle.
  • Theft of accessories, stereo-recorders, other vehicle parts.
  • Any loss or damage to the vehicle by miscreants, rioters, terrorists, arsonists, etc.
When making a claim, you will need to submit a claim form, along with the following documents:
  • A copy of your vehicle's registration book.
  • A copy of the driving license of the person driving the vehicle at the time of the accident.
  • An estimate of the repairs.
  • A copy of the police FIR/ panchnama in case of theft, or any third party personal injury/death or property damage.
  • If the vehicle is declared a total loss, either due to an accident or theft, you will also have to provide the following documents - RTO transfer papers, original RC book, original insurance policy, the vehicle's original keys, a No Objection Certificate (NOC) issued from you for the transfer of the vehicle, a letter of indemnity on judicial stamp paper and a letter of subrogation on judicial stamp paper.
  • Any other documents asked for, by the insurance company.
The term ‘total loss’ refers to the damage to your vehicle due to an accident, where the cost of repairs amounts to more than 75% of the IDV on your policy.
DISCLAIMER: Kindly note that the text matter mentioned above is only a general guideline on motor insurance. For specific details, please contact your insurance advisor.
Mahindra First Choice Wheels Ltd. does not accept any liability for any loss, damage etc. that may occur on account of actions taken, based on the text matter given above. Since these are general guidelines, Mahindra First Choice Wheels Ltd. does not guarantee the correctness of the content.

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