MG ZS EV Car Insurance

• Protection from Third-Party Liabilities: Being involved in an accident may require you to pay financial compensation running into lakhs. To cover third-party injuries, property damage and legal defence, your MG ZS EV needs at least a third-party plan, which is also a mandatory requirement.
• Covers High Repair Costs: EVs tend to be costlier to repair, due to their expensive components, specialised labour and fewer aftermarket parts. To cover such expenses, MG ZS EV buyers get electric car insurance covering repairs and replacement.
• Provides EV-Specific Coverage: EV batteries, converters and chargers are far more expensive compared to petrol or diesel counterparts. To cover these components, buy car insurance online with specialised add-ons, such as Electric Surge Secure and Battery Depreciation Cover.
• Financial Security from Accidents: The Ministry of Road Transport and Highways reported 1,77,177 road accident fatalities for just 2024. Car insurance with personal accident cover provides financial security to your loved ones from unforeseen events like death and disability.
• Coverage Against Many Risks: Our car insurance plans cover a wide variety of risks that can lead to financial loss. They cover damage and total loss from accidents, fire, transit damage, theft, riots, vandalism, floods, earthquakes and third-party injuries and damage.
• Legal Requirement: Section 146 of the Motor Vehicles Act makes third-party insurance legally mandatory for driving on Indian public roads, imposing fines of up to ₹4000 for non-compliance. Stop yourself from running into trouble with the traffic police by getting insurance for an MG ZS EV.

• 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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• Customisable Coverage: At TATA AIG, we offer various customisation features, including different plans, coverage limits and tenures. Cover your specific insurance needs by choosing from 8+ unique add-ons to further personalise your plan.
• Instant Policy Issuance: Our digital platform is designed to offer maximum convenience and instant policies. Buy car insurance online within a few minutes and get the digital copies of insurance documents delivered to your email. No delays, no hassles!
• Personal Accident Cover: All of our car insurance policies come with a mandatory personal accident cover up to ₹15 lakhs. This provides financial compensation for loved ones in the event of accidental disability and fatality of the owner-driver.
• Attractive Discounts: The best MG ZS EV insurance plans come with attractive offers. At TATA AIG, we offer online discounts of up to 90% and a No Claim Bonus on renewal. Get 20% to 50% off on your insurance costs based on your claim-free years.
• Extensive Cashless Coverage: One of the biggest benefits of TATA AIG car insurance plans is the cashless repair facility that allows you to get seamless services anywhere in India. With a network of 6300+ cashless garages in all major cities, quick services are all but assured.
• Seamless Claim Settlements: File quick claims through multiple channels, including our self-service portal, customer service hotline (022 6489 8282)and a mobile app. Our claims process is fully digital, hassle-free and doesn’t require any physical documentation.
• Brand Reputation and Expertise: Our 25+ years of experience in providing effective risk management and timely settlements make us one of the top insurance providers in India. You can count on the trust given to us by more than 5 crore satisfied customers.
• Complete Transparency: Choose TATA AIG to access a completely transparent process regarding the terms and cost of MG ZS EV insurance. Get a complete cost breakdown, add/remove add-ons and compare car insurance plans on our web portal to make an informed decision.

Inclusions

• 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
• 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

Exclusions

• 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
• 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

TATA AIG car insurance plans are fully customisable, with 8+ car insurance add-ons that fit different requirements. The full list is available on our add-on covers page. Check some useful add-ons for MG ZS EV:

• Zero Depreciation: The Zero Depreciation Car Insurance 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 the NCB Protection Cover, 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 Secure Cover: The Engine Secure Cover protects your electric motor and gearbox from damage caused by water ingress or oil leakage.
• 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.

Instant Digital EV Car Insurance

Quick digital policy with EV-specialised coverage at your fingertips

1. Enter Car Registration: Scroll up to the top of this page. First, enter your MG EV ZS registration number and click on ‘Get Price’.

2. Provide a Few Details: Enter a few personal and vehicle details, including brand, model, variant, purchase date and your contact number.

3. Choose Your Coverage: Select a car insurance plan based on your insurance needs. Then, modify the coverage limits and get the add-ons that you want.

4. Pay the Premium: Check the instant premium quotes. If you want to proceed, pay the premium amount to finalise your purchase.

1. Find My Policy: Scroll up. Find the ‘My Policy’ menu and click on it.

2. Log in: Click on ‘Login’ and sign in to your TATA AIG account by entering your registered mobile number.

3. Go to Policy Download: Go to ‘Policy Download’ and enter either your MG ZS EV registration number or existing policy number.

4. Save the Document: Click on the download button to save a PDF copy of your policy documents.

Process to File Claims

1. As soon as the incident occurs, report it to TATA AIG immediately. Reach us at our customer care number 022-6489-8282 (charges apply) or visit our claims support page online.
2. Provide all necessary information, including engine and chassis number, contact details, date, time, and location of the accident, a brief description, and the vehicle’s kilometre reading.
3. 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.
4. Ensure that you submit the necessary documents, including your signed claim form, a copy of FIR (if applicable), identity proof, address proof, driving licence, and car RC. Additional documents may be requested depending on the specifics of the incident.
5. For cashless claims, take your MG ZS EV to a TATA AIG network garage, and we’ll directly settle your repair costs with the garage. For reimbursement claims, get your MG ZS EV repaired at a non-network garage. After you submit the invoices, we will reimburse the eligible repair costs.

Documents Required

• Duly filled and signed car insurance claim form.
• A copy of your 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, Engine Secure, or Return to Invoice.
• NOC from the financier if the car is financed or under hypothecation.

Your MG ZS EV insurance costs primarily depend on the type of insurance you have chosen and other plan terms. The premium is also determined 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.

To calculate your premium costs, use our car insurance premium calculator by entering the following details:

• Car registration number
• Car’s make, model and year
• Insured Declared Value of the car
• Previous policy details (policy number and insurer)
• Applicable NCB discounts and add-ons

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Disclaimer: 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.