MG ZS EV Car Insurance

Just got your hands on the MG ZS EV or planning to renew its insurance? Either way, keeping your electric SUV protected is a smart move—and with TATA AIG, doing that is simple, fast, and completely online. Here’s how you can get started, whether it’s your first policy or time to renew.

Buying MG ZS EV Insurance for the First Time

If you’re insuring your MG ZS EV for the first time, follow these easy steps:

• Head to the official TATA AIG website and find the MG ZS EV insurance section.
• Click on “Get Price” to begin.
• Enter your car’s registration number to move forward.
• You’ll be asked for a few details—like the car’s model, variant, and fuel type.
• Based on this, you’ll see a list of plans with optional add-ons such as Zero Depreciation, Roadside Assistance, and more.
• Pick the coverage that fits your needs and budget.
• Fill in your contact details and complete the CKYC process.
• Choose your preferred payment option and complete the transaction.
• Your insurance policy will be emailed to you instantly—no long waits, no paperwork.

Renewing MG ZS EV Insurance

Already a TATA AIG customer? Renewing is just as easy:

• Visit the TATA AIG website and click on “Renew”.
• Enter your car registration number or existing policy number.
• Review your current plan—check your IDV, your No Claim Bonus (NCB), and see if anything needs updating.
• You can also add or remove covers based on your car’s current condition.
• Once everything looks good, confirm your details and proceed with payment.
• Your renewed policy will be emailed to you right away.

With TATA AIG, there’s no guesswork or back-and-forth. You get clear options, reliable coverage, and support whenever you need it. Whether you’re starting fresh or simply renewing, your MG ZS EV stays protected—exactly the way it should be.

Wondering how your MG ZS EV insurance premium is worked out? It’s actually simpler than you’d expect.

At TATA AIG, the premium is calculated based on practical details—like your car’s Insured Declared Value (IDV), how old the vehicle is, and whether you’ve made any claims in the past. You’ll also choose between third-party and comprehensive car insurance, depending on the level of cover you need. Adding extra protection like Zero Depreciation or Roadside Assistance can slightly increase the cost, but it also means fewer surprises later.

If you're unsure where to start, just head to the TATA AIG website. The car insurance calculator lets you enter your MG ZS EV’s details and instantly shows you a quote. No jargon, no waiting—just clear numbers to help you decide what fits best.

It’s a quick, honest way to know exactly what you’ll pay—and why.

Before choosing a policy for your MG ZS EV, it's important to understand the different types of car insurance plans available. At TATA AIG, you can choose from three main options—Comprehensive, Stand-Alone Own Damage, and Stand-Alone Third-Party car insurance. Each plan is designed to serve different needs, and all can be enhanced with useful add-ons.

Comprehensive Car Insurance Policy

A comprehensive car insurance policy offers the widest level of protection for your MG ZS EV. It includes mandatory third-party liability cover as well as protection for your own vehicle. This means that if your electric car is damaged in an accident, stolen, or affected by natural disasters like floods or earthquakes, the cost of repairs or replacement is covered. You also get the option to customise your plan with valuable add-ons such as Zero Depreciation, Roadside Assistance, and Engine Protection. This type of policy is ideal for MG ZS EV owners looking for all-round coverage and peace of mind.

Stand-Alone Own Damage Car Insurance Policy

If you already have an active third-party insurance policy, a stand-alone own damage policy lets you add extra protection for your MG ZS EV. This plan specifically covers damages to your own vehicle caused by accidents, theft, fire, or natural and man-made calamities. However, it does not include third-party coverage, so it works best when combined with an existing third-party policy. It's a good option for owners who want to enhance protection without replacing their current policy.

Stand-Alone Third-Party Car Insurance Policy

A third party car insurance policy is the most basic and legally required form of car insurance under the Motor Vehicles Act, 1988. It protects you against legal and financial liabilities if your MG ZS EV causes injury to another person or damages someone else's vehicle or property. This policy does not cover any damage to your own vehicle, so it’s usually chosen either to meet legal requirements or by owners looking for minimal coverage. You can add a Personal Accident Cover to this policy to improve protection for yourself as the owner-driver.

With TATA AIG, you can explore and compare all three plans online and choose the one that fits your driving needs, budget, and the kind of protection you expect for your electric vehicle.

Buying MG ZS EV car insurance online is not just convenient—it also gives you better control, flexibility, and clarity. Here are some key benefits:

• You can compare multiple car insurance plans for your MG ZS EV at your own pace, without visiting a branch.
• Get instant, personalised quotes by simply entering your car’s registration number.
• Choose between third-party or comprehensive car insurance policies based on your coverage needs.
• Add useful features like Zero Depreciation, Roadside Assistance, and Engine Protection for enhanced protection.
• No paperwork is needed—the entire process is done online, from policy selection to payment.
• Make secure payments through trusted digital methods.
• Your policy document is emailed immediately after purchase, so you’re covered without delay.
• With TATA AIG, you get a seamless and transparent experience, backed by trusted customer support.
• It’s a convenient way to insure your electric vehicle, especially when you're looking for flexibility and ease.

If your MG ZS EV has been involved in an accident or sustained damage, raising an insurance claim with Tata AIG is quick and simple. Follow these steps to initiate your claim:

1. Report the Incident to Tata AIG

As soon as the incident occurs, report it to Tata AIG immediately. You can reach us at our customer care number 022-6489-8282 (charges apply) or visit our claims support page online. Once we receive your claim, we’ll guide you through the next steps and provide a claim registration number.

Be sure to have the following information:

• Engine and chassis number
• Contact details
• Date, time, and location of the accident
• Brief description of the incident
• Vehicle’s kilometre reading
• Address for vehicle inspection

2. Vehicle Inspection

A Tata AIG surveyor will be assigned to inspect the damage to your MG ZS EV. The surveyor will document their findings in a report, which will be shared with you and our team for further review.

Depending on your chosen claim method (cashless or reimbursement), we will either direct you to one of our 5900+ network garages for repairs or guide you through the reimbursement process.

3. Submit Required Documents

To speed up the process, ensure that you submit the necessary documents, including:

• Completed claim form
• Copy of FIR (if applicable)
• Identity proof
• Address proof
  Additional documents may be requested depending on the specifics of the incident.

4. Choose Your Claim Method

Tata AIG offers two easy claim settlement options:

Cashless Claim:

Once your documents are approved, take your MG ZS EV to a Tata AIG network garage. We’ll directly settle the repair costs with the garage, so you won’t need to pay out of pocket for covered damages.

Reimbursement Claim:

If you choose to have your MG ZS EV repaired at any garage of your choice, pay the bill and submit the invoices to us. After verification, we will reimburse the eligible repair costs. Please make sure to submit the invoices promptly to avoid any delays.

By following these steps, you can easily raise your MG ZS EV insurance claim with Tata AIG, ensuring a smooth and hassle-free experience.

The MG ZS EV is a premium electric vehicle, and protecting it with just basic insurance may not be enough. That’s why TATA AIG’s Car Insurance Add-on Covers are designed to give you enhanced protection, tailored to your driving habits, lifestyle, and daily needs. These add-ons strengthen your comprehensive car insurance and offer peace of mind in real-world situations.

Here’s a complete list of 20 valuable add-ons, explained clearly:

• Zero Depreciation (Depreciation Reimbursement): The Zero Depreciation (Depreciation Reimbursement) add-on ensures you get the full value of replaced parts during repairs, with no deduction for depreciation—ideal for high-cost EV components.

• No Claim Bonus (NCB) Protection: With No Claim Bonus (NCB) Protection, your No Claim Bonus stays intact even after making a single claim, provided you’ve maintained two consecutive claim-free years.

• Return to Invoice Cover: The Return to Invoice Cover reimburses you the full on-road price (including registration and road tax) if your car is stolen or declared a total loss.

• Engine Protection Cover: The Engine Protection Cover protects your electric motor and gearbox from damage caused by water ingress or oil leakage.

• Repair of Glass Fibre and Plastic Parts: The Repair of Glass Fibre and Plastic Parts add-on covers items like plastic bumpers, mirrors, and trims without affecting your NCB.

• Key Replacement Cover: The Key Replacement Cover reimburses the cost of replacing lost or stolen keys and even lockset changes, if necessary.

• Tyre Secure Cover: The Tyre Secure Cover pays for the repair or replacement of tyres and tubes due to accidental damage, even if it wasn’t caused by a collision.

• Roadside Assistance Cover: The Roadside Assistance Cover provides 24x7 support in case of breakdowns, dead batteries, flat tyres, or if you run out of fuel.

• Consumables Cover: The Consumables Cover takes care of expenses for small but necessary items like engine oil, brake fluid, nuts, bolts, and coolant, which are usually excluded from standard claims.

• Compulsory Personal Accident (Owner-Driver): This mandatory cover provides financial protection in case of death or permanent disability of the insured owner-driver during an accident.

• Personal Accident Cover for Passengers: The Personal Accident Cover for Passengers offers financial compensation for passengers injured or killed during a road accident.

• Daily Allowance: The Daily Allowance add-on offers a fixed payout or alternative transport support when your car is under repair for more than a day.

• Emergency Transport and Hotel Expenses: With this add-on, TATA AIG covers the cost of transport and hotel stay if your car breaks down while you’re travelling away from home.

• Loss of Personal Belongings: The Loss of Personal Belongings add-on compensates you for the loss or damage of items such as laptops, phones, or bags during a covered incident.

• Emergency Medical Expenses: The Emergency Medical Expenses add-on helps pay for ambulance charges and hospital bills in case you or your passengers are injured in an accident.

• Additional Third-Party Property Damage: This add-on increases the compensation limit for damage caused to third-party property, giving you extra financial protection.

• Additional Towing Charges: If your vehicle needs to be towed and the cost exceeds the standard limit, the Additional Towing Charges add-on covers the extra amount.

• Misfuelling Cover: Accidentally filled your EV with the wrong fuel? The Misfuelling Cover helps drain the incorrect fuel and repair any related damage.

• Daily Allowance Plus: The Daily Allowance Plus add-on offers extended daily transport support or even a replacement vehicle if your car repair takes longer than one day.

• Electric Surge Secure: Specifically designed for EVs, Electric Surge Secure covers damage caused by power surges or short circuits to components like the EV battery, wiring, or charger.

• Battery Depreciation Allowance: The Battery Depreciation Allowance add-on covers the depreciation value of your electric car’s battery in the event of a valid claim.

• Vehicle Loan Protector: If the policyholder passes away or becomes permanently disabled in an accident, the Vehicle Loan Protector add-on helps settle the remaining loan amount with the bank.

• Reinstate Cover: The Reinstate Cover allows you to raise a second claim on the same part if additional damage is discovered later, without dispute—perfect for hidden damages post-repair.

These MG ZS EV insurance add-ons from TATA AIG offer more than just coverage—they provide confidence, convenience, and support every time you hit the road. You can customise your plan based on your driving routine, vehicle use, and lifestyle, all while enjoying smooth claims and expert assistance.

Need a copy of your MG ZS EV car insurance policy? You can download it quickly from the TATA AIG website by following these simple steps:

• Visit the official TATA AIG website
• Go to the ‘Self-Service’ section
• Log in using your mobile number, email ID, or car insurance policy number
• Click on ‘Policy Download’ and enter your policy or vehicle registration number
• Authenticate with the OTP sent to your device
• Download your MG ZS EV insurance policy instantly as a PDF

If you face any issues, you can call customer support at 022-6489-8282 or email customersupport@tataaig.com for help.

To raise a car insurance claim for your MG ZS EV, keep the following documents ready. These will help TATA AIG process your claim quickly and accurately:

• Duly filled and signed car insurance claim form.
• A copy of your MG ZS EV car insurance policy.
• Vehicle Registration Certificate (RC) to confirm ownership.
• Valid Driving Licence of the person driving during the incident.
• PAN card or Aadhaar card for identity verification.
• FIR copy (mandatory in theft or third-party claims).
• Photos of the vehicle damage (for reimbursement claims).
• Original repair bills and payment receipts (in case of reimbursement).
• No Trace Report from police (for theft-related claims).
• Relevant medical reports (for Emergency Medical Expenses or Personal Accident Cover for Passengers).
• Supporting documents for add-ons like Zero Depreciation (Depreciation Reimbursement), Engine Protection Cover, or Compulsory Personal Accident (Owner-Driver).
• Form 29/30 for ownership transfer (if applicable).
• NOC and Form 35 if the car is financed or under hypothecation.

You may be asked for additional documents based on the nature of your claim. For personalised assistance, contact TATA AIG’s customer care at 022-6489-8282.

Before buying or renewing your MG ZS EV car insurance with TATA AIG, it’s essential to know what your policy includes—and what it doesn’t. This helps avoid confusion during a claim and ensures you choose the right add-ons for complete protection.

Here’s a breakdown of what is covered and what is not covered under a standard comprehensive car insurance policy for the MG ZS EV:

What’s Covered in TATA AIG MG ZS EV Insurance?

Your comprehensive car insurance policy from TATA AIG offers protection against a wide range of risks. Here's what’s included:

• Accidental damage to your MG ZS EV due to collisions or impact
• Fire and explosion damage, including lightning or self-ignition
• Natural disasters like floods, earthquakes, cyclones, storms, and landslides
• Theft or burglary of the entire insured vehicle
• Man-made events such as riots, vandalism, strikes, and malicious damage
• Damage during transit (by road, rail, elevator, inland waterway, or air)
• Third-party liability for injury, death, or property damage
• Personal Accident Cover for the owner-driver as per policy terms

What’s Not Covered in TATA AIG MG ZS EV Insurance?

Not every situation is covered under your policy. Below are exclusions where your car insurance claim may be denied:

• General wear and tear, ageing, or depreciation of parts
• Mechanical or electrical breakdowns not caused by an accident
• Accidents while driving under the influence of alcohol or drugs
• Driving without a valid driving licence
• Consequential loss (secondary damage not directly linked to the accident)
• Damage from war, mutiny, or nuclear risks
• Use of the vehicle for illegal activities or driving outside the policy’s geographical limits

Always review your policy wording and brochure carefully. Understanding these inclusions and exclusions helps you stay informed and make better decisions when selecting car insurance add-on covers like Zero Depreciation, NCB Protection, or Engine Protection Cover.

The MG ZS EV is a modern electric SUV with expensive components like high-voltage batteries, motors, and advanced software systems. These parts are costlier to repair than those in traditional fuel cars. That’s why choosing a trusted insurer like TATA AIG is essential to protect your investment.

Here’s why TATA AIG motor insurance is a smart choice for your MG ZS EV:

• Trusted by 5 Crore+ Customers

TATA AIG’s reputation is built on delivering dependable, customer-focused service across India. The brand is continually expanding to serve even the most remote locations.

• Customisable Add-ons for EV Needs

With up to 20 car insurance add-on covers—including Zero Depreciation (Depreciation Reimbursement), Engine Protection Cover, and Roadside Assistance Cover—you can enhance your coverage based on your driving habits and vehicle needs.

• Get Up to 50% No Claim Bonus (NCB) Protection

Safe drivers are rewarded with premium savings. TATA AIG offers up to 50% NCB, which helps reduce your premium after claim-free policy years.

• Wide Cashless Network

Whether you're travelling locally or across the country, you’re never far from help. TATA AIG has 5,900+ car garages and 4,500+ bike garages nationwide—making quality repairs accessible almost anywhere.

• Comprehensive Financial Coverage

From accidents and theft to natural disasters and EV-specific issues, TATA AIG policies offer robust protection so you're never caught off guard.

With TATA AIG, your MG ZS EV gets more than just insurance—it gets assurance. Secure your EV today with a policy that matches its value.