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Navigating car insurance options for your Tata Punch is crucial for safeguarding your investment and ensuring peace of mind on the road. As a significant asset, it's essential to understand the various insurance plans available. From third-party coverage to comprehensive and own damage insurance, each option offers different levels of protection against unexpected expenses. Whether you're preparing for routine maintenance or potential unforeseen incidents, selecting the right insurance policy for Tata Punch is essential.

Check Insurance Premium for Tata Punch Variants

Tata Punch Variants

Ex-Showroom Price

Estimated Third-party Insurance Premium for 2023-2024

Tata Punch Pure MT

₹6 Lakhs


Tata Punch Pure Rhythm Pack MT

₹6.35 Lakhs


Tata Punch Adventure MT

₹6.85 Lakhs


Tata Punch Adventure Rhythm Pack MT

₹7.20 Lakhs


Tata Punch Adventure AMT

₹7.45 Lakhs


Tata Punch Accomplish MT

₹7.65 Lakhs


Tata Punch Adventure Rhythm Pack AMT

₹7.80 Lakhs


Tata Punch Accomplish Dazzle Pack MT

₹8.03 Lakhs


Tata Punch Accomplished AMT

₹8.25 Lakhs


Tata Punch Accomplish Dazzle Pack AMT

₹8.63 Lakhs


Tata Punch Creative MT

₹8.47 Lakhs


Tata Punch Creative iRA Pack MT

₹8.77 Lakhs


Tata Punch Creative AMT

₹9.07 Lakhs


Tata Punch Creative iRA Pack AMT

₹9.37 Lakhs


Disclaimer: The above information is for the new XUV700  in Delhi only. Premium rates will depend on the XUV700 model, variant, fuel type, place and year of registration, IDV, add-on covers and various other factors.

How to Buy Insurance for Tata Punch Online

  • Navigate to the ‘Car Insurance Premium Calculator’ section

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

  • Browse the various 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.

Why Insure Your Tata Punch

Ensuring proper insurance coverage for your Tata Punch is crucial, providing a host of benefits for both your vehicle and finances:

  • Legal Necessity

Ensure compliance with legal requirements by obtaining car insurance, mandated by law to protect yourself and others on the road

  • Financial Safeguard

Shield yourself from unforeseen expenses arising from accidents, theft, or damages to your vehicle with the financial protection provided by car insurance

  • All-Inclusive Coverage

Enjoy peace of mind with comprehensive coverage, including protection against natural disasters, theft, and third-party liabilities, ensuring holistic protection for your car

  • Added Benefits

Access additional benefits such as zero depreciation cover, roadside assistance, and more, enhancing the value and utility of your car insurance policy

Types of Insurance Plans Available for Tata Punch

When it comes to insuring your Tata Punch, understanding the types of car insurance plans is crucial for making an informed decision. Here's a detailed exploration of the various options available:

1. Third-Party Liability Insurance:

This insurance is not only legally mandated but also serves as a vital safeguard for both you and others in the event of an accident involving your Tata Punch. It provides extensive coverage for damages and injuries sustained by third parties, encompassing various aspects such as damages to their vehicles, medical expenses incurred by injured individuals, and legal protection in the unfortunate event of lawsuits arising from the incident.

2. Comprehensive Insurance:

Comprehensive insurance offers extensive coverage beyond third-party liability, ensuring robust protection for your Tata Punch against a diverse range of risks. This inclusive policy encompasses accidental damages to your Tata Punch, theft protection, and coverage for damages caused by natural disasters like floods, earthquakes, and cyclones. By safeguarding against these various threats, comprehensive insurance ensures robust protection for your Tata Punch, providing you with peace of mind and financial security in any eventuality.

3. Own Damage Insurance:

Own damage insurance is tailored specifically to shield your Tata Punch from damages, making it an ideal choice for individuals seeking coverage for their vehicle without opting for a comprehensive package. This insurance plan offers coverage highlights such as repairs or replacement costs for damages resulting from accidents, as well as protection against damages caused by vandalism or malicious acts. 

What’s Covered?

Comprehensive car insurance for your Tata Punch typically covers:

  • Accidental Damages: Repairs or replacement costs for damages caused by accidents.

  • Theft: Compensation in case of theft of your Tata Punch

  • Natural Disasters: Protection against natural calamities like floods, earthquakes, and cyclones

  • Third-Party Liability: Coverage for damages and injuries to third parties

What’s Not Covered?

While car insurance provides comprehensive coverage, certain scenarios are often excluded:

  • Regular Wear and Tear: Damages due to normal wear and tear over time

  • Mechanical Failures: Breakdowns or damages unrelated to covered incidents

  • Intentional Damage: Damages caused deliberately are typically not covered

Add-on Covers for Your Tata Punch

While the basic car insurance plans provide essential coverage for your Tata Punch, adding extra layers of protection through add-ons can offer tailored solutions. Here are additional add-on covers to consider for comprehensive coverage:

1. Zero Depreciation Cover:

Ensures full claim settlement without factoring in depreciation, allowing you to receive higher payouts for repairs

2. Engine Protection Cover:

Guards against damages to the engine due to water ingression, lubricant leakage, or other unforeseen incidents

3. Roadside Assistance:

Offers assistance in case of breakdowns, flat tyres, fuel shortages, or emergencies, ensuring you're not stranded on the road

4. Return to Invoice (RTI) Cover:

Ensures you receive the original invoice amount of your Tata Punch in case of total loss or theft, bridging the gap between the insured declared value and the invoice amount

5. Key Replacement Cover:

Covers the expenses of replacing or repairing keys, including electronic or remote keys

6. No Claim Bonus (NCB) Protection:

Preserves your NCB even if you make a claim, ensuring you continue to enjoy discounts on your premium

7. Consumables Cover:

Includes the cost of consumables like engine oil, brake fluid, and lubricants during 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

Documents Required for Both Types of Claims:

  • Accident Information

  • Claim Intimation

  • Photographic Evidence

  • Witness Statements (if available)

  • Copy of Registration Certificate (RC) of the Vehicle

  • Valid Pollution Under Control (PUC) Certificate

  • Medical Bills and Reports (if applicable)

  • Theft Declaration (for Theft Claims)

  • Repair Estimates (for Reimbursement Claims)

  • Cancelled Cheque (for Reimbursement Claims)

How to Lower Car Insurance Cost

  • No Claim Bonus (NCB)

 Earn rewards for claim-free years, reducing premiums upon renewal

  • Cover Small Claims

Handle minor claims independently to maintain NCB rewards and potentially lower premiums. Opting for out-of-pocket settlements for small claims can also enhance your insurance record

  • Compare Quotes

Research and compare quotes from various insurers to find a cost-effective policy tailored to your requirements and budget

  • Maintenance

Regular car maintenance not only prolongs your vehicle's lifespan but also positively impacts insurance costs. Keeping your car well-maintained can result in lower premiums

Tips for Maintaining Your Mahindra XUV700

Here are some useful tips to keep your SUV performing optimally:

  • Inspect Battery and Clean Terminals

Make it a habit to regularly inspect your car's battery and meticulously clean its terminals with a wire brush. This simple task removes any buildup or corrosion, ensuring a stable and efficient power supply for your vehicle

  • Check Coolant Levels

Keep a close eye on your car's coolant levels, especially during monthly checks. Topping up the coolant as needed helps prevent engine overheating and maintains the optimal temperature required for smooth operation

  • Air Filter Maintenance

The air filter plays a crucial role in maintaining engine efficiency by filtering out dust and debris from the incoming air. Periodically check the air filter, and if it appears dirty or clogged, replace it promptly to ensure proper air circulation and optimal engine performance

  • Warm Up the Engine

Before hitting the road, take a few moments to gently warm up the engine. Allowing the engine to warm up gradually before driving promotes better lubrication and efficiency, reducing wear and tear on vital components

Check Out Car Insurance Partners Available at Bajaj Markets

FAQs on Insurance For Tata Punch

Is car insurance mandatory for my Tata Punch?

Yes, having car insurance, at least the third-party liability cover, is mandatory as per the Motor Vehicles Act, 1988.


What type of insurance is recommended for my Tata Punch?

Comprehensive insurance is highly recommended as it provides extensive coverage, including damages to your Tata Punch, theft protection, and coverage against natural calamities.


Can I customise my Tata Punch insurance coverage?

Yes, you can customise your coverage by adding optional add-ons like zero depreciation cover, engine protection, and roadside assistance for tailored protection.


How is the insurance premium for Tata Punch calculated?

The premium is calculated based on factors like the Tata Punch's model, age, your location, and your driving history. Additional add-ons and coverage types also influence the premium.

Can I transfer my Tata Punch insurance to a new owner if I sell the car?

Yes, the insurance can be transferred to the new owner. Ensure proper documentation and inform your insurer about the change in ownership.

What is No Claim Bonus (NCB), and how does it apply to Tata Punch insurance?

NCB is a discount on the premium for every claim-free year. It accumulates and can significantly reduce your Tata Punch insurance premium.


How can I lower the insurance premium for my Tata Punch?

Lower your premium by maintaining a good driving record, choosing a higher deductible, bundling policies, and exploring discounts offered by insurers.

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