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MG ZS EV Insurance

MG ZS EV is an electric SUV from the automobile manufacturer Morris Garages. With a battery capacity of 50.3 kWh, the MG ZS EV scored a 5-star on the Euro NCAP crash tests. Moreover, the ex-showroom price of the SUV ranges between ₹22 lakh - ₹25.88 lakh. However, the vehicle purchase expense should also include the cost of a sufficient comprehensive insurance plan. Without one, you may incur hefty repair expenses in the event of a mishap. An MG ZS EV insurance policy not only safeguards your SUV against various perils but also enables you to drive legally on Indian roads.

MG ZS EV Variants

MG ZS EV Variants

Fuel Type

Ex-Showroom Price*

MG ZS EV Excite


₹22.0 Lakh

MG ZS EV Exclusive


₹25.88 Lakh

Disclaimer: *The MG ZS EV ex-showroom prices are for Delhi and are subject to change basis the city.

Why Insure Your MG ZS EV Vehicle

Electric vehicles are all the fad now where you can easily find top vehicle brands offering an EV car. The ZS EV by Morris Garages is one such SUV that comes with premium features and the latest specs. Although the MG ZS EV is equipped with the best-in-class safety features, those aren’t enough to financially protect you in case of an unforeseen accident. By choosing the right MG ZS EV insurance plan, you can avoid spending your savings in the repair expenses that can cost ₹1 lakh - ₹2 lakh for even a low-end car model these days! With a comprehensive insurance policy, you can gain protection against theft, complete loss, accidental damage, third-party liabilities and more!

Why Choose Third-Party or Comprehensive Car Insurance?

  • Third-Party Car Insurance

As an owner-driver, you must know that third-party car insurance is mandated under the Motor Vehicles Act, 1988. The policy covers any damage or loss incurred by the third party, death of the victim or bodily injuries sustained due to your insured car. Furthermore, the third-party MG ZS EV insurance doesn’t cover any damage caused to your own SUV.

  • Comprehensive Car Insurance

With comprehensive car insurance, you can gain extensive coverage against unfortunate mishaps such as natural calamities, own damage, theft, fire, explosion, etc. Although such a cover is optional, the MG ZS EV insurance provides sufficient financial protection to your own four-wheeler! Some policyholders might find the MG ZS EV car insurance price to be slightly expensive, however, the coverage is worth the investment.

What’s Covered Under Car Insurance

Third-party car insurance covers third-party loss, death of the victim, bodily injuries and personal accident cover. Moreover, comprehensive MG ZS EV insurance secures against natural calamities, own damage, third-party liabilities, theft, man-made disasters, etc.

What’s Not Covered Under Car Insurance

The comprehensive MG ZS EV insurance doesn’t cover natural wear and tear, loss caused to the vehicle while driving without a licence or an insurance plan, electrical or mechanical breakdown, etc.

Top Add-On Covers For Your MG ZS EV Insurance

Enhance your MG ZS electric car insurance plan with lucrative add-on covers for additional coverage! But the add-ons may differ from one insurance provider to another:


  • Return to Invoice Cover

Make sure you get the invoice value of your SUV in the event of theft or complete damage incurred by your vehicle with the return to invoice cover! The invoice value includes the registration charges, road tax and the ex-showroom price of your car.

  • NCB Protection Cover

You can now make claims during the policy year without losing the NCB reward with this add-on cover in MG ZS EV insurance. However, the number of claims admissible may vary from one insurance provider to another, so make sure you confirm it with your insurer.

  • Lock & Key Replacement Cover

Lost or misplaced your car keys? No need to worry as the lock and key replacement add-on shall cover the cost of getting new keys and car locks at a nominal premium rate.

  • Zero Depreciation Cover

During claim settlement, a certain amount is deducted from your claim owing to the depreciation rate of your vehicle, leading to out-of-pocket expenses to cover the repair costs. However, with zero depreciation cover, you can rest assured and avail the complete claim amount!

Make a Claim Under Your MG ZS EV Insurance

Ensure to keep the following documents handy while raising an MG ZS EV car insurance claim:


  • MG ZS EV insurance policy

  • Four-wheeler details

  • Information regarding the incident

  • Details of the insurance provider

  • Original receipts and bills of the vehicle repair

  • FIR copy in case of third-party damage or theft


There are two types of MG ZS EV insurance claims:

  • Cashless Claim Under Car Insurance

Notify your insurer regarding the claim at the earliest and take your car to a network garage. The vehicle shall be inspected by the appointed surveyor before receiving approval for repair. Get the SUV repaired, clear the applicable deductibles, and the claim shall be directly settled by the insurer.

  • Reimbursement Claim Under Car Insurance

Intimate your insurance company regarding the incident as soon as possible. You can take the vehicle to a preferred garage and get it repaired. However, you must pay for the repair expenses from your own pocket. But you can later raise an insurance claim to get reimbursed for the servicing cost.


Read More: Car Insurance Claim Settlement Process


Tips to Reduce MG ZS EV Insurance Premium

Here are some ways to help you bring down your MG ZS EV car insurance price and avail an affordable premium:

  • Claim No Claim Bonus

You can try to maintain a claim-free policy year to enjoy an NCB bonus on your MG ZS EV insurance renewal premium! This NCB reward shall keep increasing for consecutive claim-free years as well.

  • Compare Premiums Online

A crucial tip to follow while purchasing comprehensive insurance is to compare plans offered by various insurers online to get a cost-effective quote!

  • Avoid Filing Small Claims

Now if you are wondering how to file zero claims under the MG ZS EV insurance, then this tip is for you! You can cover inexpensive repair expenses instead of raising them with the insurer for a claim-free year.

  • Drive Safely

To keep the insurance claims on the low and avail a pocket-friendly premium, we recommend you follow the traffic laws and regulations.

  • Maintain Your Vehicle

Another tip to help you avail a lower MG ZS EV insurance premium is to take care of your four-wheeler and opt for scheduled servicing. You can learn more about maintaining your electric vehicle in the next section!


How to Maintain Your MG ZS EV Car

  • Look After the Car Motor

Even though the EV car motor is quite different from the traditional internal combustion engine vehicles, you must take care of it and maintain the motor regularly.

  • Avoid Overcharging the Battery

An insider tip to enhance the battery of your EV is to avoid overcharging it. Moreover, make sure your vehicle isn’t sitting in the garage with little or zero charge!

  • Park the Car Safely

To steer clear of having an overheated battery, always park your MG ZS EV in sheltered areas, away from the hot sun.

  • Go Through the User Manual

The best way to know your electric SUV better is to read the user manual thoroughly. In case of a minor vehicle issue, the manual might help you figure out the solution!

Know the MG ZS EV Maintenance Cost

You can contact the authorised Morris Garages service centre to know the MG ZS EV maintenance cost and service schedule.

About MG ZS EV

The MG ZS EV is a five-seater SUV having cutting-edge smart technology and a sleek design. Ensuring hassle-free fast-charging, the electric four-wheeler by Morris Garages enables you to drive 419 km on a single charge. Moreover, you can enjoy features such as a dual-pane panoramic sky roof, embedded LCD screen, three-point seatbelt for all passengers and more! The MG ZS EV is definitely a looker but wows you with the latest tech available in the car as well.

MG ZS EV Specifications

Did you know that the 5-seater MG ZS EV has a max torque of 280 Nm? Here are some more specs of the electric vehicle!




MG ZS EV Mileage

419 km/full charge

Battery Capacity

50.3 kWh

Transmission Type


Max Power

176.75 PS

Max Torque

280 Nm

MG ZS EV Seating Capacity


Body Type


Boot Space

470 Litres

Ground Clearance

177 mm

Get a look at the amazing features of the luxurious MG ZS EV car:


Cruise Control

Anti-Lock Braking System

Driver Airbag

Air Conditioner

Passenger Airbag

LED Tail Lamps

Tyre Pressure Monitoring System

Electronic Gear Shift Knob

Electronic Stability Control

Here’s the MG ZS EV on-road prices for various cities in India:



MG ZS EV On-Road Price


₹22.59 Lakh


₹23.10 Lakh


₹24.85 Lakh


₹23.12 Lakh


₹23.12 Lakh


₹23.10 Lakh

MG ZS EV is an electric car that is doing really well in the market. It’s the second most sold electric car. But electric car insurance helps you maintain your car with much ease. So, if you have an electric four-wheeler yourself, make sure you do not skip insuring it with the right comprehensive car insurance plan!


In case you are looking for extensive coverage for your traditional petrol or diesel vehicle, you can browse through the car insurance plans on Bajaj MARKETS today!

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs on MG ZS EV Insurance

  • ✔️Are the electric cars available in India eco-friendly?

    Yes. They are not just eco friendly but they are also cost-effective.

  • ✔️Is it compulsory to buy insurance for cars in India?

    Yes. Buying insurance for a car is compulsory in India.

  • ✔️Is Finserv MARKETS an ideal page to buy insurance for electric cars?

    Finserv MARKETS has car insurance for electric cars.

  • ✔️Is it possible that I can buy a car insurance plan at Finserv MARKETS for my private motor vehicle?

    Yes. It is possible.

  • ✔️What is the process of buying car insurance on Finserv MARKETS?

    • Firstly, choose the coverage you think is right.

    • Then fill in the details of the vehicles and personal details.

    • After that the insurer will asses the details and verify the documents

    • Then it’s time to pay your premium amount which can be done online.

    • Your insurance will be done.

  • ✔️ Are the electric cars available in India eco-friendly?

    Yes. They are not just eco-friendly but are also cost-effective.

  • ✔️Is it compulsory to buy insurance for cars in India?

    Yes. Buying insurance for a car is compulsory in India under the Motor Vehicles Act, 1988.

  • ✔️What is the top speed of the MG ZS EV car?

    The MG ZS EV’s top speed is 140 kmph.

  • ✔️Does the MG ZS EV have a sunroof?

    Yes, the MG ZS EV four-wheeler has a sunroof. 

  • ✔️What is IDV in car insurance?

    Insured Declared Value is the current market value of your vehicle after accounting for its depreciation rate.

  • ✔️What safety features does the MG ZS EV have?

    The MG ZS EV four-wheeler offers the following safety features:

    • Hill start assist

    • Hill descent control

    • ABS with EBD

    • Brake assist

    • Rear and front disc brakes

    • Seatbelt reminder

    • Heated ORVM


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