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The Tata Harrier is a luxurious and powerful SUV with stunning design and exhilarating performance. If you own this car, getting insurance to protect your vehicle from unexpected damages is important, even if you are an experienced driver. It covers repair costs after an accident, damage caused by disasters, fire or theft. While third-party insurance is mandatory, comprehensive insurance provides more protection.

Check Insurance Premiums for Tata Harrier Variants

Here’s a look at the different Tata Harrier variants and the Tata Harrier insurance price:

Tata Harrier Variant

Ex-showroom Price

Fuel Type

Estimated Third-party Premium for FY2023-24

Harrier XE

₹ 14.49 Lakhs


₹ 7,897

Harrier XM

₹ 15.89 Lakh


₹ 7,897

Harrier XMA

₹ 17.19 Lakh


₹ 7,897

Harrier XT

₹ 17.14 Lakh


₹ 7,897

Harrier XT+

₹ 17.94 Lakh


₹ 7,897

Harrier XTA+

₹ 19.24 Lakh


₹ 7,897

Harrier XZ

₹ 18.49 Lakh


₹ 7,897

Harrier XZ+

₹ 19.74 Lakh


₹ 7,897

Harrier XZA

₹ 19.79 Lakh


₹ 7,897

Harrier XZA+

₹ 21.04 Lakh


₹ 7,897

Disclaimer: The ex-showroom prices are for Delhi and are subject to change based on the city. Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

How to Buy Insurance for Tata Harrier Online

Work your way towards buying a new car insurance policy online for your Tata Harrier by following these easy steps:

  •  Navigate to the 'Car Insurance Premium Calculator' section

  • Enter your car registration number and mobile number

  • Provide the required information in the application form and choose the car insurance policy that aligns with your specific needs

  • Complete the payment process securely online


Your insurance policy for Tata Harrier will be delivered to you via email.

Why Insure Your Tata Harrier

Owning a Tata Harrier comes with the risk of expensive damages in accidents. Without adequate insurance, these costs can drain your savings. Car insurance for your Harrier is crucial, ensuring financial safety and compliance with the Motor Vehicles Act, 1988, mandating at least third-party coverage for driving on Indian roads. With insurance, you're protected financially and legally, thereby alleviating the burden of unforeseen expenses, and allowing you to drive confidently.

Which Tata Harrier Insurance Plan is Right for You?

You can choose from three types of car insurance plans for your Tata Harrier:

1. Third-Party Car Insurance

A third-party car insurance covers any costs that may arise if you have an accident that causes injury or damage to someone else's property. It's usually cheaper than comprehensive insurance, but doesn't cover any damage to your own car.

2. Comprehensive Car Insurance

Comprehensive car insurance covers both the damage to your own car as well as any damage you may cause to someone else's car or property. It's a bit more expensive than third-party insurance, but it provides more extensive coverage and can be a smart choice for protecting your investment in your car.

3. Own Damage Car Insurance

Own Damage Cover is a type of insurance that offers protection to your vehicle against accidents, collisions, vandalism, fire, and other risks. It covers the expenses for repairing or replacing your vehicle, giving you financial security and peace of mind in case of any damage.

What is Included in Your Tata Harrier Insurance?

Third-party car insurance covers any injuries or damages to a third party that are caused by your insured Tata Harrier. A comprehensive car insurance policy will cover third-party damages as well as damages incurred to your own car. These can be due to:

  • Accidents

  • Natural calamities

  • Theft

  • Fire

  • Explosions

  • Terrorist acts, etc.

What is Not Included in Your Tata Harrier Insurance?

Some of the expenses that are excluded from your Tata Harrier insurance are: 

  • Natural wear and tear

  • Damage to tyres (unless caused by accident)

  • Damage occurring to the car on account of driving while intoxicated or while not owning a valid driving licence

  • Damage or loss to the car while it was being driven outside the permitted geographical limits, etc.

Insurance Add-on Covers For Your Tata Harrier

You can buy certain add-on covers to increase the scope of coverage of your Tata Harrier insurance policy. Here are some common add-on covers in car insurance:

  • Zero Depreciation Cover:

This cover ensures that you receive the full value of your car or its parts without considering depreciation, offering comprehensive protection against the loss of value over time.

  • No Claim Bonus Cover:

By abstaining from filing claims during insurance years, you become eligible for a bonus upon renewal, which may manifest as a reduced premium or increased coverage.

  • Engine Protection Cover:

This cover is crucial as it provides insurance for engine damage, which is typically not covered by standard car insurance policies, offering added financial security for your Tata Harrier.

  • Return to Invoice Cover:

In case of total loss, this cover helps bridge the gap between your car's invoice value and its depreciated value (IDV), ensuring you receive the full invoice value for your Tata Harrier.

Claim Process of Insurance for Tata Harrier

When filing a car insurance claim for your Tata Harrier, it's essential to have these documents ready:

  • Copy of your Tata Harrier insurance policy

  • Car details

  • Insurer details

  • Details of the incident

  • FIR copy (in case of theft)

  • Original bills and receipts of the Tata Harrier repairs

Process for Filing Cashless Claims

  • Report the accident immediately to your insurer

  • Choose a Network Garage

  • Take your vehicle to the nearest network garage for repairs

  • Submit relevant documents and bills to your insurer

  • Your insurer will directly settle the claim with the garage after verifying the paperwork

Process for Filing Reimbursement Claims

  • Contact your insurer and Inform them about the damage to your car

  • In case of theft, file a First Information Report (FIR)

  • Submit the FIR copy and required paperwork to the insurer

  • Take your vehicle to a garage of your choice and pay for the repairs

  • Submit receipts and bills to your car insurance provider

  • The insurer will reimburse your expenses after verifying the bills

How to Lower Your Insurance Premium

Here are some tips you can use to reduce your Harrier’s insurance premium:

  • Maintain Your Tata Harrier

Regular servicing keeps your vehicle in good condition, potentially reducing insurance premiums.

  • Utilise No Claim Bonus (NCB) Rewards

Accumulate NCB rewards by not filing claims during the policy term, leading to lower renewal premiums.

  • Avoid Small Claims

Cover minor repair costs out of pocket to retain NCB rewards and keep premiums down.

  • Install Approved Anti-Theft Devices

Lower insurance premiums by fitting ARAI-approved anti-theft devices in your Tata Harrier.

  • Compare Premium Quotes Online

Before purchasing insurance, compare premium quotes online from various providers to find the best plan for your needs.

Tips to Maintain Your Tata Harrier

  • Maintain Battery Health:

Regularly check your car's battery and clean the terminals using a wire brush to remove any buildup, ensuring a reliable power supply for smooth operation.

  • Monitor Coolant Levels:

Check your car's coolant levels monthly and refill as needed to prevent overheating and maintain the engine at its ideal operating temperature.

  • Air Filter Inspection:

Regularly inspect the air filter and replace it if it looks dirty or clogged to ensure proper airflow and optimise engine performance.

  • Engine Warm-up:

Before hitting the road, gently start the car for a few minutes to allow the engine to warm up gradually. This promotes better lubrication and enhances engine efficiency.

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FAQs on Insurance for Tata Harrier

What determines the cost of Tata Harrier insurance?

The cost of Tata Harrier insurance varies based on factors such as the car's variant, age, etc.


Which documents are needed to claim Tata Harrier insurance?

You'll need copies of your car’s RC, policy documents, signed insurance form, and repair bills for reimbursement. In case of theft, an FIR copy may be required.


Does Tata Harrier insurance cover engine damage?

Engine damage is covered only if caused by an accident. Mechanical failures or wear and tear are not covered.


Are add-ons necessary with Tata Harrier insurance?

While not mandatory, add-ons enhance coverage at a nominal cost, making them highly recommended.


Are alloy wheels standard on the Tata Harrier?

Yes, the Tata Harrier features new alloy wheels across all variants, enhancing its aesthetic appeal.


Why do some insurers offer a low IDV for my Tata Harrier?

Insurers may lower the IDV to reduce premium rates. However, it's crucial to select an IDV equal to your vehicle's market value for adequate coverage.


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