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Tata Car Insurance

The Tata car insurance protects your beloved Tata car from thefts, accidents, calamities, vandalism, damage with malicious intent, etc. It provides coverage for the loss incurred which compensates for an otherwise hefty reparation expense of more than Rs. 6,00,000. The car insurance for Tata not only covers your vehicle but also provides financial compensation for third-party loss, injuries sustained in an insured car or the unfortunate demise of the victim.  

Additionally, the Indian law requires you to insure your vehicle with a third-party insurance that only covers third-party liabilities. However, you will be pleased to know that the Tata car insurance insures third-party liabilities, repairs, replacements, natural calamities and harm done to human life present inside the car.

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Tata Car Insurance Price for Popular Models

Here are some of the popular Tata car models with their ex-showroom prices and insurance premium costs:

Tata Car Models

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium**

FY 2022-23

 

(effective 1st April, 2022)

 

Tata Punch

₹5.83 Lakhs

Petrol

₹3416

Tata Nexon

₹7.55 Lakhs

Petrol & Diesel

₹3416

Tata Harrier

₹14.65 Lakhs

Diesel

₹7987

Tata Altroz

₹6.20 Lakhs

Petrol & Diesel

₹3416

Tata Tiago

₹5.38 Lakhs

Petrol & CNG

₹3416

Tata Safari

₹15.25 Lakhs

Diesel

₹7987

Tata Tigor

₹5.98 Lakhs

Petrol & CNG

₹3416

Tata Yodha Pickup

₹6.95 Lakhs

Diesel

₹7897

 

 *The Tata cars’ ex-showroom prices are for Delhi and are subject to change based on the city.

**Third-party premium rates are indicative. The actual Tata car insurance premium prices 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 Apply for Tata Insurance Online

Just follow the steps given below to avail Tata insurance at amazing prices:

Step 1: Visit the ‘car insurance premium calculator’ page on the Bajaj MARKETS website.

Step 2: Fill in the application with the relevant details.

Step 3: Choose the Tata car insurance plan you want.

Step 4: Make an online payment.

Step 5: The policy will be issued in no time.

How to Renew Tata Insurance Online

To continue reaping the benefits of the insurance plan, make sure to opt for Tata car insurance renewal:

Step 1: Visit the ‘car insurance renewal’ page on your insurance provider’s website.

Step 2: Enter your registration number and contact details.

Step 3: Check your Tata vehicle insurance renewal premium.

Step 4: Make the payment online.

Step 5: Download the policy copy.

Read More: Car Insurance Renewal

Why is it Important to Insure Your Tata Car?

No matter how good a driver you may be or how well you maintain your Tata car, there will always be risks. Unfortunate events such as accidents, theft, damage due to natural or man-made calamities, malicious acts, vandalism, etc., are some things that are beyond your control. Hence, having an adequate comprehensive Tata insurance plan protects your vehicle against such risks and compensates you for the loss incurred. Imagine having to spend over ₹6 Lakhs to replace your Tata vehicle with a brand new one due to theft or damage beyond repair! So, to enjoy joyous and lawful long drives in your Tata car, it’s essential to get an appropriate Tata car insurance policy.

Which One Should You Choose: Third-Party or Comprehensive Insurance?

  • Third-Party Car Insurance

Third-party car insurance is mandated by law under the Motor Vehicles Act, 1988. The policy is known to cover third-party liability only. Hence, the premium charges are easier on the pocket as the protection is not extended to you or your Tata car. If you are looking to buy an extensive cover for your vehicle, it is recommended to buy a comprehensive car insurance policy.

  • Comprehensive Car Insurance

A comprehensive car insurance plan for Tata cars will cover third-party liability and damage to their own vehicle. The plan has a relatively higher premium as compared to third-party car insurance. However, you can extend the scope of your comprehensive car insurance policy with add-on benefits. Having comprehensive Tata vehicle insurance ensures that your car is protected against unfortunate events at all times.

What is Covered Under Tata Car Insurance

Third-party insurance covers third-party loss, the death of the victim, and bodily injuries sustained due to your insured vehicle. Furthermore, comprehensive Tata insurance covers theft, man-made disasters, third-party liabilities, natural calamities, own damage, etc.

What isn’t Covered Under Tata Car Insurance

The comprehensive Tata insurance does not cover loss caused outside the designated geographical area, contractual liability, damage caused while riding someone else’s bike or under the influence of alcohol, etc.

Add-On Covers for Your Tata Car

When buying comprehensive Tata insurance, you can purchase additional covers that provide extensive protection to your vehicle. Let us take a look at the different add-on covers available:

  • Zero Depreciation

With a zero depreciation cover, depreciation is not factored in during claim settlement. Without this cover, the compensation paid is as per the current market value of the Tata car. Zero depreciation cover allows you to receive the full amount in compensation.

  • Return to Invoice

Return to Invoice will ensure that you receive the invoice value of your Tata car in case it is lost or stolen. The invoice value is the amount you paid at the time of purchasing the car. The insurer will compensate you for the actual value of the vehicle along with the registration charges and road tax.

  • Consumable Cover

Consumables include the items used for the proper functioning of the vehicle’s engine and other parts. These items are engine oil, gearbox oil, nuts and bolts, screws, distilled water, grease, brake oil, oil filter, bearings, washers, AC gas, etc. The consumable cover offers coverage for these items.

  • Roadside Assistance Cover

Be it a tyre change, engine jumpstart, emergency fuel delivery or duplicate keys for your vehicle, roadside assistance ensures a smooth ride. You can easily get help in case of an emergency and continue your journey without any hiccups.

  • Passenger Cover

To make sure your loved ones are always secure no matter what, you can opt for passenger cover with your Tata car insurance. Mishaps, sadly, do not come with a warning but during an unfortunate event, passenger cover offers the necessary financial help.

Raise a Claim Under Tata Insurance

Take a look at the important documents that you need for claiming your Tata insurance:

  • Tata insurance policy document

  • Tata car details

  • Insurer details

  • Details of the Incident

  • FIR copy in case of theft

  • Original bills and receipts of the vehicle repair

There are two types of Tata insurance claims:

  • Cashless Claim Under Car Insurance

Register the claim and inform the insurer at the earliest. You can get a car with accidental damages repaired at the nearest network garage with cashless claims. The insurer will directly pay the garage for incurred expenses.

  • Reimbursement Claim Under Car Insurance

In the case of reimbursement claims, you can get your car fixed at your preferred garage, pay for the expenses, and raise a claim against your policy. Upon claim approval, the settlement amount is transferred to your bank amount (minus the deductible, if applicable).

Read more: Car Insurance Claim Process

How to Reduce Tata Car Insurance Premium Price

To avail an affordable Tata car insurance premium price, here’s what you can do:

  • Compare Plans Online

With numerous insurance providers available in the market, you can find a variety of insurance policies offering unique features and premium rates. So, it is recommended to compare various Tata insurance plans online before finalising the one that best fits your requirements.

  • Opt for Voluntary Deductibles

A voluntary deductible is an amount you agree to pay during an insurance claim while the rest is covered by the insurer. Opting for such a deductible enables you to enjoy cost-effective premiums on your insurance policy. However, it is advised to commit to a deductible amount that you can afford to pay at the time of claim.

  • Accumulate NCB

No Claim Bonus is a reward that you can earn for not making any claims throughout the policy tenor. Such a bonus enables you to get a discounted renewal premium on your Tata insurance policy.

  • Install Anti-Theft Devices

Get anti-theft devices approved by the ARAI for your Tata vehicle and avail a bonus on your comprehensive insurance premium.

  • Maintain Your Vehicle

Make sure to take care of your Tata four-wheeler and follow the scheduled servicing for a hitch-free and smooth ride.

Wrapping it Up!

Though certain Tata car models have been discontinued, you can still opt for car insurance for such models with Bajaj MARKETS. In today’s day and age, car insurance is a necessity with rising road accidents in India! You could be a cautious driver who follows traffic regulations, however, the same cannot be said about other owner-drivers.

With comprehensive insurance, you can rest assured as it protects against most kinds of untoward incidents. By purchasing a car insurance plan with Bajaj MARKETS, you can enjoy a cashless facility, enhanced coverage, lucrative add-on covers and more! To check the car insurance premiums for policies available on Bajaj MARKETS, use the car insurance calculator.

 Check Out Car Insurance Plans Available at Bajaj MARKETS

 

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FAQs On Tata Car Insurance

✔️What is the maximum discount I can avail with a No Claim Bonus on my Tata Motors car insurance plan?

The maximum discount you can avail on premiums after making zero claims throughout the policy term for 5 consecutive years is 50%. The NCB discount begins at 20% and goes up by 5-10% for every claim-free year.

✔️Will passengers get coverage for disablement or death due to an accident under the personal accident cover of a Tata car policy?

No. personal accident cover for Tata car insurance only covers the owner-driver of the vehicle and not passengers. In case you want to safeguard the passengers in your car, you can choose to opt for a passenger add-on cover. 

✔️Can I claim an NCB reward on my Tata Motors car insurance plan after it lapses?

No. You cannot claim an NCB reward if your car insurance plan has lapsed and it has been more than 90 days since the policy expiry. Thus, it is recommended to opt for a timely Tata car insurance renewal to secure your NCB discount.

✔️What are the different ways to raise a claim for my Tata car insurance?

 You can raise a cashless claim for your Tata car insurance or opt for a reimbursement car insurance claim for the same.

✔️Can I get Tata car insurance for less than a year?

No, car insurance plans on Finserv MARKETS provide at least one year of coverage.

✔️What is IDV in Tata car insurance?

IDV stands for Insured Declared Value. It is the market value of the Tata car that is agreed upon by the insurance and the policyholder. IDV is calculated on the basis of the car manufacturer’s selling price and the depreciation value on the parts of the Tata vehicle.