MG Comet EV Insurance

• High Repair Cost of EVs: EVs tend to be costlier to repair than traditional vehicles due to non-replaceable parts, technical expertise and limited availability of repair centres. This makes it necessary for EV owners to get ctextar insurance to cover high repair costs.
• Third Party Liability Risks: Causing an accident with your vehicle may lead to substantial liabilities along with expensive and lengthy legal battles. Third-party and comprehensive plans cover third-party damage and injuries, protecting your finances from large claims.
• High Risk of Accidents: The number of road traffic accidents recorded in India in 2024 was 4.87 lakhs, making it a high-priority threat for any car owner. Car insurance is essential in covering accidental damage and loss to your newly purchased Comet EV.
• Financial Cover Against Damages: Your newly bought Comet EV may face numerous threats of damage and total loss. This includes road collisions, fire, water damage, vandalism, breakdowns, transit damage, theft and more. An MG Comet EV insurance plan provides financial protection against these risks.
• Legally Mandatory Coverage: Under the Motor Vehicles Act 1988, anyone driving on Indian public roads needs to have at least third-party coverage. If you are caught driving without valid third-party coverage, you can face fines, vehicle seizure or imprisonment for up to three months.
• Covers the Risk of Fires: A severe crash, catastrophic failure or lightning-related damage can lead to the total loss of your car. EV fires tend to be more destructive as they release flammable gases and can reignite. This makes fire coverage an essential must-have for an EV owner.

• Third-Party Car Insurance Plan

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• Standalone Own Damage Car Insurance Plan

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• Comprehensive Car Insurance Plan

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• Zero Depreciation Car Insurance Plan

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• Usage-Based Car Insurance Plan

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• All-Round Protection: Our car insurance plans cover accidents, third-party liabilities, theft, natural calamities, and manmade disasters. We also cover transit damage and provide personal accident cover up to ₹15 lakhs for the owner-driver.
• Attractive Discounts and Bonuses: Get discounts of up to 85% on online purchases of your EV car insurance plans. In addition, you can earn a No Claim Bonus (NCB) on renewal if you do not make any claims during the policy period, which can lower your premium by up to 50% in five claim-free years.
• High Claim Settlement Ratio: At TATA AIG, we have ensured to maintain a high Claim Settlement Ratio over the years and settled every valid claim as soon as possible. Our high service quality and prompt responses set us apart from others.
• Wide Network of Partner Garages: Spanning over 6301 partner garages across India, we offer the convenience of cashless repairs regardless of your location. Getting your beloved car restored without worrying about cash transactions is pure convenience.
• Legacy of Reliability: For over 25 years, TATA AIG has woven the fabric of reliability in the Indian car insurance landscape. The name "TATA" resonates with a legacy of trust, instilling unwavering faith in citizens who turn to us to safeguard their precious automobiles.
• Diverse Insurance Plans: At TATA AIG, we offer the best car insurance plans for all needs. From electric car insurance and usage-based insurance to third-party, own damage and comprehensive plans, we can provide exactly what you need. If the base plan doesn’t cover it, you can choose from our diverse add-on selection.
• Trailblazing Digital Approach: Tedious claim procedures are a thing of the past with TATA AIG. Our innovative digital approach allows you to register claims anywhere in India, placing the power at your fingertips.

Inclusions

• Comprehensive coverage for damage beyond repair or total loss of the car.
• Protection against theft or burglary with a swift and efficient claims process.
• Protection from natural disasters like landslides, cyclones, hurricanes, floods, etc.
• Coverage for manmade disasters such as rioting, mobbing, vandalism, etc.
• Third-party liabilities, including property damage, injuries and death.
• Coverage of damage during transit via road, rail, air and waterways
• Personal Accident Cover for the owner-driver, providing financial support for injuries or unfortunate loss of life (limit of ₹15 lakhs).

Exclusions

• Damage caused while driving under the influence of drugs or alcohol.
• Damage caused by an unauthorised driver without a valid Indian driving license.
• Damage sustained outside the geographical areas of the policy coverage, as defined in the policy document.
• Damages due to improper car storage or inadequate maintenance in acceptable condition.

At TATA AIG, we offer customisation options with 8+ four-wheeler insurance add-ons. Find the full list of available optional covers on our add-ons page. Explore the best add-on covers for the MG Comet EV:

1. Electric Surge Secure: The Electric Surge Secure is a specialised add-on that covers damage and loss to your electric vehicle from electrical issues such as arcing and short-circuiting.

2. Zero Depreciation on Battery: This EV specialised add-on reimburses the amount deducted due to depreciation of the battery pack for own damage claims.

3. Roadside Assistance: The Roadside Assistance add-on provides 24/7 emergency assistance covering breakdown services, towing services, flat tyre repair, and more.

4. Return to Invoice: With the Return to Invoice add-on, you get full reimbursement of the total invoice value of your vehicle, including registration charges and road tax, for theft or total damage claims.

5. Zero Depreciation Cover: The Zero Depreciation or Depreciation Reimbursement add-on covers the depreciation amount on parts replaced under an own damage claim.

6. Engine Secure: The Engine Secure add-on covers repair and replacement of engine parts, gearbox, transmission and differential assembly for water ingress and oil leakage-related damage.

Get Digital EV Car Insurance

Get tailored EV coverage with a few clicks

1. Enter Registration Details: Scroll to the top of this page. In the price quote tool, enter your car registration number and click on the ‘Get Price’ button.

2. Provide Additional Details: On the next page, enter all relevant personal and car-related details.

3. Select Your Plan: Select a suitable policy from the available options. Customise the policy terms and include add-ons as per your needs.

4. Make Payment: Pay the premium amount via your chosen payment mode to complete your purchase.

1. Find My Policy: Go to the ‘My Policy’ menu at the top right corner of the TATA AIG portal.

2. Sign in: Click on the ‘Login’ button and sign in to your TATA AIG account using your registered mobile number and OTP (one-time password).

3. Go to Policy Download: Go to the ‘Policy Download’ section. Enter either your MG Comet EV registration number or existing policy number.

4. Save the Policy Document: Click on the download button to save a PDF copy or send the policy documents to your email.

Process to File Claims

1. Inform TATA AIG and file a claim online by visiting our claim portal or logging onto your TATA AIG account.
2. Once you have filed the claim form, we will arrange for a vehicle inspection by sending a surveyor to prepare a damage report.
3. Take your car to a TATA AIG network garage for cashless claims. If a network garage is not available near your location, get repairs at a non-network garage and file a reimbursement claim later.
4. Submit the required documents, including original repair bills and receipts, RC, driving licence, identity proof, evidence of damage, and FIR (if applicable).
5. After verification and processing, we will settle your claim as per your chosen method (cashless or reimbursement).

Documents Required

• Duly filled and signed claim form
• Identity and address proof
• Driving licence
• Car registration certificate (RC)
• Copy of policy documents
• FIR for own damage, theft and third-party claims
• Self-inspection photos and videos
• Original garage bills and payment receipts
• Garage repair estimate for cashless claims
• Original car keys for theft and total loss
• Other documents, such as NOC from the financier, court summons, and medical bills, as applicable

MG Comet EV insurance price in India depends mostly on the scope of coverage and the type of policy chosen by you. Other factors that affect car insurance premiums include add-ons, No Claim Bonus, car’s IDV, age, condition and depreciation, your claim history, driving records, etc. Given the complexities, the easiest way to calculate your MG Comet EV insurance costs is to use a car insurance premium calculator.

To use this online tool, enter some basic vehicle and insurance-related details, including the following:

• Vehicle registration number
• Make, model and variant of your car
• Year of manufacture
• Policy type and your car’s Insured Declared Value (IDV)
• No Claim Bonus and other applicable discounts
• Selected add-ons, if any

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Disclaimer: The above prices are subject to change based on your chosen location, accessories, extended warranty and car dealership. Please check with the dealership to know accurate prices.