Tata Altroz Car Insurance in India

Tata Altroz, which was launched in early 2020, has quickly become one of the favourites in the automobile markets. The car has a decently powerful 1,199cc engine and a stellar 5-star safety score in NCAP making it an excellent choice for families who prioritise safety first. The on-road price of Tata Altroz starts at ₹8.06 lakh and goes up to ₹10.55 lakh for the most expensive model. However, to keep your precious car safe against damage and accidents, you are going to need a good insurance plan.

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Check Insurance Premiums for Tata Altroz Variants

Let’s take a look at the various Tata Altroz variants and the insurance premiums you will have to pay for each model:

Tata Altroz Variants

Ex-Showroom Price*

Fuel Type

Estimated Third-party Premium**

Tata Altroz XE

₹5.29 Lakh

Petrol

₹3383

Tata Altroz XE Plus

₹6.40 Lakh

Petrol

₹3383

Tata Altroz XM Plus

₹6.60 Lakh

Petrol

₹3383

Tata Altroz XE Diesel

₹6.99 Lakh

Diesel

₹3383

Tata Altroz XT

₹6.84 Lakh

Petrol

₹3383

Tata Altroz XE Plus Diesel

₹7.60 Lakh

Diesel

₹3383

Tata Altroz XZ

₹7.99 Lakh

Petrol

₹3383

Tata Altroz XM Plus Diesel

₹7.75 Lakh

Diesel

₹3383

Tata Altroz XZ Option

₹9.29 Lakh

Petrol

₹3383

Tata Altroz XT Turbo

₹7.74 Lakh

Petrol

₹3383

Tata Altroz XZ Plus

₹8.50 Lakh

Petrol

₹3383

Tata Altroz XT Diesel

₹8.44 Lakh

Diesel

₹3383

Tata Altroz XZ Plus Dark Edition

₹8.80 Lakh

Petrol

₹3383

Tata Altroz XZ Opt Turbo

₹8.75 Lakh

Petrol

₹3383

Tata Altroz XZ Turbo

₹8.49 Lakh

Petrol

₹3383

Tata Altroz XZ Diesel

₹9.04 Lakh

Diesel

₹3383

Tata Altroz XZ Plus Turbo

₹9.10 Lakh

Petrol

₹3383

Tata Altroz XZ Option Diesel

₹9.31 Lakh

Diesel

₹3383

Tata Altroz XZ Plus Turbo Dark Edition

₹9.40 Lakh

Petrol

₹3383

Tata Altroz XZ Plus Diesel

₹9.70 Lakh

Petrol

₹3383

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.

Easy Steps to Buy Tata Altroz Insurance Online

In case you are looking for a car insurance plan for your Tata Altroz, here are the steps you can follow to buy one on Finserv MARKETS:

  1. On the website, navigate to the ‘Car Insurance’ section.

  2. Input all the important information about your vehicle on the website.

  3. You will have the option to choose and customise your car insurance plan on the site.

  4. Upload all the necessary documents needed.

  5. Choose a plan that suits your needs and pay the insurance premiums/fee.

  6. Once the process is complete, your car insurance will be activated and the insurance policy will be sent to you through email.

Know How to Renew Tata Altroz Insurance Online

Here are the steps you need to know to renew your car insurance plan:

  1. Visit the website and go to the car insurance renewal page.

  2. Input all your information about the car and existing/expiring insurance policy.

  3. Select your preferred plan from the options available on the renewal page.

  4. Finish the payment for your selected car insurance renewal plan.

  5. Once all the above steps are finished, your car insurance plan will be renewed.

Read More: Car Insurance Renewal

Why You Need Insurance for Your Tata Altroz

Buying a car is a big investment, and if you want to make sure your car runs smoothly for many years, you need to take proper care of it. Getting the right insurance plan is also an important part of maintaining your car. In case your Tata Altroz gets damaged due to various causes like accidents or natural calamities and you don’t have insurance, you may have to pay anywhere from 1 lakh to 3 lakh or more. However, you can save yourself from financial loss by getting a good insurance plan at a fraction of the potential repair costs. A comprehensive insurance plan will cover expenses for all damages and repairs saving you a large amount of money in the process.

Third-Party and Comprehensive Car Insurance: Know the Difference

There are mainly two types of car insurance plans you can choose from for your car:

Third-Party Insurance

Third-party insurance is a basic form of car insurance that only provides financial cover to the third party involved in an accident. It is important to note that this type of insurance does not provide any protection to you, the policyholder. It is usually cheaper than comprehensive car insurance.

Comprehensive Car Insurance

The second, comprehensive car insurance is a more rounded policy that provides protection to the policyholder and their vehicle as well as providing the third-party cover benefit. As a result, comprehensive insurance is generally much more expensive than third-party insurance. You can also choose to buy add-on covers on top of your comprehensive plan for added protection.

What’s Included in Your Car Insurance Plan

Third-party insurance covers the cost of damages to the third party involved in an accident, including the cost of damage to the vehicle and injuries to the third party. Comprehensive insurance, on the other hand, also covers the cost of damages to your own vehicle as well as the medical treatment cost of your injuries. Comprehensive insurance also protects against natural calamities, theft etc.

What’s Not Included in Your Car Insurance Plan

The exclusions under most car insurance plans cover situations like normal wear and tear, consumables like oil or coolant, damage to the car due to drunk driving, providing incorrect details, expired insurance policy, etc.

Add-On Covers for Your Tata Altroz Car

Here are some of the main add-on covers you can use to get extra protection for your vehicle:

  • Zero Depreciation Cover

Zero depreciation cover is an important add-on that ensures that your insurance claim amount will be given at the full price of your car, without counting for depreciation.

  • Consumables Cover

Usually, replacement or refilling of consumables like engine oil, coolant, brake oil, lubricants, etc is not covered under insurance. The consumables cover allows for the coverage of these as part of the insurance.

  • Roadside Assistance Cover

With this cover, you can make sure that you get on the spot help from mechanics if your car breaks down in the middle of the road. Roadside Assistance can be very useful if you’re travelling in an area that does not have many garages around.

  • Return to Invoice Cover

In case your car gets stolen or damaged beyond repair, the insurance company can refund you the full amount that you paid at the time of buying the car in the form of an insurance claim.

Read more: Add-on Covers in Car Insurance

Making an Insurance Claim for Your Tata Altroz

Here is a list of important documents that you will need in order to make an insurance claim:

  1. Car insurance policy papers.

  2. FIR of the incident/accident.

  3. Detailed information about the incident with eyewitness accounts.

  4. Original RC papers of the vehicle.

  5. Full set of bills and receipts (in case of reimbursement claim).

When making an insurance claim, there are two types:

Cashless Claims

Under cashless claims, you can directly take your vehicle to the network garages affiliated with the insurance companies. The garage will repair your vehicle and directly settle the damages with the insurance company. You do not have to pay money out of your pocket unless you’ve chosen deductibles.

Reimbursement Claims

Under reimbursement claims, you have to get your vehicle repaired at a garage and pay for the expenses yourself. Then you can submit the bills and receipts of the repairs to the insurance company and get the expenses reimbursed.

Read more: Car Insurance Claim Process

Reduce Your Car Insurance Premiums: Tips to Note

Here are some tips you can use to lower the price of your insurance premiums:

  • Do Not Use Insurance for Small Claims

In case your car has small damages that can be repaired for a small cost, you should get them repaired without claiming insurance for them. Claiming insurance multiple times can result in your premiums being raised.

  • Compare Plans Online

At the time of buying a new car insurance plan for your Tata Altroz, make sure you compare all the insurance plans offered by different companies. You can easily find this information online and it can help you pick out a plan that fits your budget while providing the coverage you need.

  • Do Not Opt for Unnecessary Add-Ons

There are a ton of add-ons you can choose from when buying insurance, but make sure you carefully select only the add-ons you might really need. Choosing many add-ons can raise the cost of premiums by a lot.

  • Claim the NCB

When a policyholder goes a full policy term without making any insurance claim, they can take advantage of the No Claim Bonus or NCB to get lower premiums when renewing their insurance plan.

  • Install Anti-Theft Devices

If you have ARAI-approved anti-theft devices installed on your car, you can benefit from a small reduction in the insurance premiums.

Beneficial Tips to Maintain Your Tata Altroz

Here are some important tips you can follow so that your Tata Altroz remains good as new for a long time:

  • Regularly Refill the Oils and Fluids on Time

There are various types of oils and fluids you need to keep replacing in your car at regular intervals. Engine oil, coolant, AC fluids, lubricants, etc. are important for the car to function and need to be replaced from time to time.

  • Keep Your Car Regularly Serviced

It is a good idea to get your car professionally serviced at a garage so that your vehicle remains in the best shape for years on end. Regularly servicing will increase the longevity of your vehicle.

  • Do Not Overload Your Car

Make sure you do not overload your car with passengers or vehicles as it can put too much stress on the car and cause damage to the internal components.

  • Take Care of the Engine Properly

The engine is the most important component of the car, so make sure you keep it running smoothly and do not put stress on it by driving rashly. Keep your engine clean and properly oiled.

Maintenance Costs for Tata Altroz

As per leading automobile websites, the Tata Altroz service cost is somewhere around ₹16,000- ₹20,000 for a period of 5 years. When you buy your new Tata Altroz, you may get the first few services free from the dealership/company. Here is a break-up of the service cost of Tata Altroz:

Service

Distance/Time

Free/Paid

Tata Altroz Maintenance Cost (approximate)

1st Service

15000 kms/12 months

Paid

₹3,300

2nd Service

30000 kms/24 months

Paid

₹3,500

3rd Service

45000 kms/36 months

Paid

₹5,100

4th Service

60000 kms/48 months

Paid

₹3,500

5th Service

75000 kms/60 months

Paid

₹3,600

Note: These costs are approximate and actual costs may differ depending upon the garage’s prices and the condition of your car.

About Tata Altroz

Tata Altroz is a classy hatchback that looks gorgeous, boasts a more modern interior, is integrated with improved technology, and has an ample amount of safety features. With design being its most striking aspect, the Tata Altroz imposes its image and style on every road you drive it on. The sharp, bold and strong lines around the sides combined with the addition of curves and pillars at the back give the Altroz a spirited look. The Tata Altroz on-road price is very competitive making it one of the most affordable hatchbacks with top-end features.

Tata Altroz Specifications

Here are some important Tata Altroz specifications:

ARAI Mileage

19-25 kmpl

Engine Displacement (cc)

1199 cc

Max Power

86bhp@6000 rpm

Tata Altroz Seating Capacity

5

Body Type

Hatchback

Fuel Type

Petrol, Diesel

Max Torque

113nm@3300 rpm

Transmission Type

Automatic and Manual

Tata Altroz Features

Here are some of the main Tata Altroz features:

Power Steering

Air Conditioner

ABS System

Airbags

Climate Control

Front Fog Lights

Alloy Wheels

Tata Altroz On Road Price in Different Cities

Let’s take a look at Tata Altroz price on road (base model) in different cities:

Mumbai

₹6.79 Lakh onwards

Bangalore

₹7.00 Lakh onwards

Delhi

₹6.28 Lakh onwards

Ahmedabad

₹6.40 Lakh onwards

Kolkata

₹6.38 Lakh onwards

Conclusion

As per the Indian Motor Vehicles Act, 1988, it is mandatory for all car owners to have a basic third party car insurance policy to drive their vehicles on Indian roads. Car insurance policies, available on Finserv MARKETS, cover your vehicle against accidents, loss and damage, theft and other unforeseen circumstances. All kinds of natural calamities and man-made calamities are also covered. Comprehensive car insurance policies also offer complete protection to you and your vehicle. It covers not only the costs incurred on damages to a third party but also the damages to your car.

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs on Tata Altroz Insurance

  • ✔️What is the Tata Altroz insurance cost per year?

    You can take a look at the Tata Altroz insurance price on the Car Insurance Premium Calculator.

  • ✔️How is the Tata Altroz Tata Altroz insurance price calculated?

    The Tata Altroz insurance amount is calculated on the basis of various factors such as the price of the variant, type of insurance plan, add-on covers etc. 

  • ✔️What is the Tata Altroz car insurance renewal price?

    There are many different Tata Altroz car insurance renewals you can choose from, all of which will have differing prices. 

  • ✔️What is the mileage of the Tata Altroz?

    As per ARAI, Tata Altroz has a mileage of around 19-25 kmpl. 

  • ✔️What is the Tata Altroz on road price?

    The Altroz on road price is ₹6.79 lakh.

  • ✔️What is the Tata Altroz ground clearance?

    Tata Altroz has a ground clearance of 165 mm.

  • ✔️What is the Altroz XT Turbo Petrol on road price?

    The Tata Altroz XT Turbo Petrol on road price in Delhi starts at ₹7.73 Lakh. It includes the ex-showroom price along with the cost of road tax, RTO registration and insurance.

  • ✔️What is the Tata Altroz fuel tank capacity?

    The Tata Altroz fuel tank capacity is 37 litres. 

  • ✔️ Can I lower the IDV of my Tata Altroz?

    It is not advisable to reduce the IDV of your car as you may get lower compensation in the form of insurance claims. 

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