Insurance for Tata Nexon

In the unfortunate event of damage to your Tata Nexon, repair and replacement costs can quickly add up, reaching a significant amount. To shield yourself from unexpected expenses, having a car insurance plan for your Tata Nexon is essential. You have three main options: third-party insurance, own damage coverage, or comprehensive coverage. Opting for comprehensive car insurance provides coverage not only for damages to third parties but also for your own vehicle.

Securing insurance for your Tata Nexon safeguards it against unforeseen incidents. You can apply for one on Bajaj Markets for quick coverage in the following manner: 

• Navigate to the ‘Car Insurance Premium Calculator’ section

• Enter your Tata Nexon’s registration number and your mobile number

• You may also need to provide a few other relevant details

• Browse the insurance plans available for your car and pick one that suits your needs

• Pay the insurance premium online

The policy document will then be sent to your registered e-mail ID.

Here’s why you may require insurance for your Tata Nexon: 

• Legal Compliance

Avoid legal penalties by adhering to mandatory insurance regulations

• Financial Security

Shield your finances from unexpected expenses like repairs and third-party liabilities

• Comprehensive Protection

Ensure peace of mind with coverage against accidents, theft, and natural disasters

• Supplementary Benefits

Access added perks like roadside assistance and zero depreciation cover for enhanced protection and convenience

• Third-Party Insurance

Third-party insurance provides coverage for damages and injuries caused to others in accidents where you are at fault. It typically includes property damage and bodily injury liability coverage. This type of insurance is often mandatory in many regions, ensuring you can compensate others for losses in accidents you may cause. By satisfying legal requirements, third-party insurance protects your financial assets and ensures you can cover the costs of damage or injuries you may cause to others.

• Own Damage Insurance

Own Damage insurance provides essential protection for your vehicle against various risks, including accidents, theft, vandalism, and natural disasters. This optional insurance safeguards your vehicle from financial losses by covering repair costs for damages sustained in accidents, compensating for theft or burglary, and providing coverage for vandalism-related damages.

• Comprehensive Insurance

Comprehensive insurance offers coverage for a wide range of events that may damage your vehicle, including theft, vandalism, natural disasters, and collisions with animals. While typically optional, it is recommended for those seeking extensive protection for their own vehicle. Comprehensive coverage goes beyond just collision incidents, ensuring that your car is covered in various situations, such as theft or damage from natural disasters.

• Accidents: Comprehensive insurance covers damages to your car resulting from collisions

• Theft: You can get protection against theft or burglary of your Tata Nexon

• Natural Disasters: The coverage extends to damages caused by natural calamities like floods or earthquakes

• Third-party liabilities: Financial protection is offered for damages to other people or their property

• Wear and Tear: Regular wear and tear of your vehicle over time is not included.

• Mechanical Failures: Damages due to mechanical breakdowns are typically not covered.

• Intentional Damage: Damages caused intentionally or due to negligence are also not included.

Car insurance plans offer valuable add-on covers to enhance your Nexon’s insurance coverage. Here are some essential add-ons:

• Roadside Assistance Cover

  Covers the cost of availing immediate repair and replacement services such as flat tyre repair, and quick fuel delivery, when you are stranded with your car during an emergency

• Engine Protect Cover

  Offers financial aid for the repair of Nexon engine’s damage that may be caused by oil leakage, water seepage, or any other corrosive incidents

• Personal Baggage Cover

  Covers loss or damage caused to your baggage lying in your Nexon car during an accident

• Consumables Cover

  Offers financial support for consumable replacement or repair such as coolant, engine oil, brake oil, etc., post an accident

• Invoice Cover

  In the event of a total loss of your Nexon due to theft or a grave accident, this add-on permits you to claim as much as Nexon car’s insured declared value (IDV) or its on-road price

Documents Required for Raising a Claim

In case of a claim, you are required to submit the following documents:

• Duly filled and signed claim form

• Copy of the insurance policy

• Copy of the vehicle’s registration certificate (RC)

• Licence copy of the driver driving the vehicle at the time of the accident

• Copy of the FIR registered

• Immediately report the accident to your insurer

• Select a Network Garage for repairs

• Take your vehicle to the nearest network garage

• Submit necessary documents and bills to your insurer

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

• Contact your insurer and report the damage

• File a First Information Report (FIR) in case of theft

• Submit the FIR copy and required paperwork to your insurer

• Choose a garage for repairs and pay for them

• Submit receipts and bills to your insurer

• Your insurer will reimburse your expenses after verifying the bills

Here are some ways to help reduce your car insurance premium:

• No Claim Bonus Rewards

Use your No Claim Bonus (NCB) rewards to get a cost-effective renewal premium on your car insurance policy. You can earn NCB rewards by making zero claims throughout the policy tenor

• Avoid Filing Small Claims

Avoid filing car insurance claims for inexpensive repairs and secure your No Claim Bonus (NCB) reward.

• Install Anti-theft Devices in Your Car

You can install anti-theft devices authorised by the Automotive Research Association of India (ARAI) to get an additional reduction in the insurance premium

• Compare Premiums 

Don’t forget to compare the car insurance premium quotes offered by various companies to get the best plan that suits your needs

• Maintain Tyre Pressure

Keep your car's tyre pressure at appropriate levels to alleviate stress on the engine and ensure optimal performance

• Regularly Service Your Car

Schedule biannual servicing at a reputable garage to maintain your Octavia's prime condition and prolong its lifespan

• Engine Maintenance

Safeguard your vehicle's engine, the heart of your car, by avoiding reckless driving and ensuring it operates under manageable stress levels

• Avoid Overloading

Prevent excessive strain on internal components by refraining from overloading your Octavia with passengers or cargo, which can accelerate wear and tear