Introduction About Tata Zest Car Insurance

From the house of India’s very own Tata Motors, Tata Zest has been a car model that is much admired and desired. While the model is no longer produced it is still extremely popular in the used car market nationwide. This is largely because of the great value for money it offers and the amazing Tata Zest features that we will highlight in forthcoming sections of this article.

 

The last known on-road price of the Tata Zest ranges between Rs. 5.82 Lakh - 9.89 Lakh, depending on the variant chosen. It is available in a Diesel 1248 cc engine and a Petrol version with a 1193 cc engine. It has an admirable four-stars in the Global NCAP crash test, placing it in the above-average category when it comes to safety. Just like the price, the insurance premium too varies based upon the variant. However, the average Tata Zest insurance cost can be around Rs. 14,500 to Rs. 25,500.

Check Insurance Premium for Tata Zest Variants

Car insurance is mandated by the law and is also a financially sound decision as it protects you and your Tata Zest in case of unforeseen events and unplanned liabilities. . The insurance premium for Tata Zest varies depending on the variant among other factors. Here is a table for the different Zest variants and their estimated insurance cost.

Variant Name

Tata Zest Price

(Ex-Showroom*)

Fuel Type

Estimated Third-Party Premium~

FY 2022-23

(effective 1st April, 2022)

Zest Revotron 1.2T XE

Rs. 5.82 lakh

Petrol

Rs. 3,416

Zest Revotron 1.2T XM

Rs. 6.53 lakh

Petrol

Rs. 3,416

Zest Revotron 1.2T XMS

Rs. 6.72 lakh

Petrol

Rs. 3,416

Zest Quadrajet 1.3 XM

Rs. 6.79 lakh

Diesel

Rs. 3,416

Zest Quadrajet 1.3 XMS

Rs. 6.99 lakh

Diesel

Rs. 3,416

Zest Quadrajet 1.3 XT

Rs. 8.55 lakh

Diesel

Rs. 3,416

Zest AMT Quadrajet 1.3 XTA

Rs. 9.89 lakh

Diesel

Rs. 3,416

Disclaimer: The Tata Zest insurance cost and premium rates will depend on the variant, engine type, place and date of registration, Insured Declared Value, and any add-on covers chosen.

How to Buy Tata Zest Insurance Online

While there are several ways of buying Tata Zest insurance, the most convenient way to do so is at BajajMARKETS. Here are the steps that need to be followed:

  • Visit the Bajaj MARKETS website

  • Go to the Car Insurance calculator page, under ‘Motor Insurance’ tab

  • Enter your mobile number and car registration number, to get started

  • Verify using the OTP received

  • Enter rest of the car details in the online application form

  • Compare the available plans and select one

  • Choose your preferred add-ons (optional)

  • Confirm the final amount and proceed to make the payment

Upon the successful processing of your application, your insurance policy will be issued and mailed to you.

 

Read More: Tata Car Insurance

How to Renew Tata Zest Insurance Online

While buying Tata Zest insurance is both simple and convenient, renewing it is even more easy.

 

  • Head to the insurer’s website

  • Login to your insurance account

  • All existing information is already stored on your profile, confirm and modify (if required)

  • Check the Tata Zest insurance renewal price visible there

  • Proceed to make the payment

  • Download your renewed insurance policy, once the payment is confirmed.

 

Read More: Car Insurance Renewal

Why Should You Insure your Tata Zest

  • Non compliance with this rule can lead to fines and / or imprisonment. Moreover, having insurance protects you from the expenses that you may need to incur in case of an accident that results in damages to your car or someone else’s.

Types of Tata Zest Car Insurance

While buying insurance for your Zest, you will come across mainly two types of plans.

  • Third Party Insurance

This third-party insurance plan will help you comply with the law and cover any obligations that arise from damage caused to another person or property. This is the cheapest form of insurance and does not provide any cover for expenses incurred due to damage caused to your own vehicle.

  • Comprehensive Insurance

It is recommended to go for a comprehensive insurance cover, as it has all the features of third party insurance, but it also offers financial and legal cover to your car from a lot of risks both natural and human made.

Inclusions

All the various aspects covered under the terms and conditions of your Tata Zest insurance plan are known as inclusions. Such as:

 

  • Coverage for personal accidents

  • Coverage for accidents to other riders

  • Repairs and replacement expenses in connection with damaged parts in your car

  • All liabilities towards third parties caused due to accidents

  • Damages caused to the car due to accidents or man-made and natural calamities

Exclusions

While car insurance protects you from a wide range of risks, it does not relieve you of being a responsible driver and owner. Exclusions define those actions or circumstances under which expenses incurred are not the insurer’s responsibility. The exclusions of your Tata Zest insurance plan are as:

 

  • Not following the traffic rules

  • Driving without licence or the requisite vehicle documentation

  • Any intentionally caused damage

  • Driving under the influence of alcohol or narcotics

Add-On Covers for Your Tata Zest

Another beneficial aspect of opting for Tata Zest insurance is the option provided to enhance your coverage. This also gives you the opportunity to convert some of the exclusions and inclusions by paying an additional amount. Popular add-on covers include:

 

  • 24 x 7 Roadside Assistance Cover

  • Engine Protection Cover

  • Outstation Emergency Cover

  • Key Replacement Cover

  • Personal Accident Cover for Self and Other Passengers

  • No Claim Bonus

  • Zero Depreciation Cover

 

To explore all add-ons and compare their benefits, visit Bajaj MARKETS right away.

Read More: Add-on covers for car insurance

Tata Zest Insurance Claim Process

When the situation arises wherein you need to file for an insurance claim on your Tata Zest, remember to keep these documents handy.

 

  • Car insurance policy document

  • Car registration certificate

  • Original bills and receipts of repair work

  • FIR copy in case of an accident

  • Your own identity and address proofs

Process To File Cashless Claims

Your insurance company directly settles bills with the network garage if you are going for a cashless claim. For cashless claim:

 

  • Register your claim through the website or the toll-free number.

  • Go to the nearest network garage and get your car repaired.

  • Provide the documents asked for.

  • Your insurer will verify the submitted documents.

  • Once it is verified, all your bills will be directly settled with the network garage.

Process To File Reimbursement Claims

In a reimbursement claim, your insurer will reimburse the costs incurred while repairing your car. For claiming reimbursement:

 

  • Inform your insurer about the incident and the damages sustained immediately.

  • If it is a major accident where a third-party is involved, file an FIR.

  • Repair your vehicle at the garage of your choice and pay for it.

  • Submit the FIR, original receipts, bills and other documents to your insurance company.

  • Once verification is complete, your insurance company will settle your claim and reimburse the costs incurred.

Read More: Car Claim Settlement Process

How to Reduce the Insurance Cost for your Tata Zest

Here is some helpful information that can help you reduce your insurance premium cost.

 

  • Carefully compare insurance plans before buying one

  • Be regular with car servicing and other checks

  • Be punctual with policy payments

  • Enhance your car security by investing in anti-theft devices

  • Retain your No Claim Bonus and pay for smaller expenses from your own pocket

Top Tips to Maintain Your Tata Zest

A well maintained car is less likely to face technical or operational issues. Here are some useful tips to maintain your Tata Zest.

 

  • Never miss a servicing due date

  • Regularly check oil, water and lubricant levels

  • Do not use components like tyres and battery longer than their prescribed duration

  • Drive responsibly and follow the traffic rules

Tata Zest Maintenance Costs

Tata Zest is a well performing car requiring low maintenance. When you buy a used Tata Zest, you should check with the seller regarding the number of servicings it has already gone through. This is because the first 3 services are free of charge. Subsequently you need to pay for them.

Service

Kilometres/ Months

Free / Paid

Total Cost*

 

1st Service

5,000 / 6 months

Free

 

2nd Service

10,000 / 12 months

Free

 

3rd Service

20,000 / 24 months

Free

 

4th Service

30,000 / 36 months

Paid

Rs. 6,000

5th Service

40,000 / 48 months

Paid

Rs. 4,500

*The actual Tata Zest maintenance cost depends on the variant, the wear and tear of parts and the way the car is driven. This is just an indicative list of the petrol version of Tata Zest

Replacement Costs of Parts Changed During Services

As part of regular services, certain parts of your vehicle may need to be changed, which might increase the performance. This will be included in the Tata Zest. The table given below will give you an idea about key vehicle parts that may need changing or replacing and how much these will approximately cost you:

Vehicle Part

Price

Engine Oil

Rs. 1320

Oil Filter

Rs. 230

Air Filter

Rs. 736

Fuel Filter

Rs. 599

Spark Plug

Rs. 320

Engine Guard

Rs. 480

Components To Be Replaced/Serviced At Different Intervals

Apart from regular servicing, there are certain key components that require due attention for efficient performance. These last a long time but should not be used beyond their prescribed duration. A list of various main parts that may have to be changed at intervals are given below.

Vehicle Part

Replacement Frequency

Engine Oil

Replace after every 15,000 kms

Brake Fluid

Replace after every 20,000 kms or every 2 years, whichever is earlier

Spark Plugs

Replace after every 40,000 kms

Drive Belt

Replace after every 40,000 kms or 4 years, whichever is earlier

About Tata Zest

Tata Zest is a sturdy yet comfortable sedan that is known to provide great value for money. While the production has been discontinued, it is available in seven variants in the used car market. It rates high on security and safety features and offers ample legroom for all passengers.

 

Here is a table listing Tata Zest features and variants.

Tata Zest Variant

Fuel Type

Transmission

Zest Revotron 1.2T XE

Petrol

Manual

 

Zest Revotron 1.2T XM

Petrol

Manual

 

Zest Revotron 1.2T XMS

Petrol

Manual

Zest Quadrajet 1.3 XM

Diesel

Manual

Zest Quadrajet 1.3 XMS

Diesel

Manual

Zest Quadrajet 1.3 XT

Diesel

Manual

Zest AMT Quadrajet 1.3 XTA

Diesel

Automatic

Tata Zest Features

The features of the Tata Zest offer stiff competition to other vehicles in similar categories. Here are some key features, based on the variant you buy:

Tata Zest Variant

Fuel Variant

Transmission

Touchscreen

Zest Revotron 1.2T XE

Petrol

Manual

 

No

Zest Revotron 1.2T XM

Petrol

Manual

 

No

Zest Revotron 1.2T XMS

Petrol

Manual

No

Zest Quadrajet 1.3 XM

Diesel

Manual

No

Zest Quadrajet 1.3 XMS

Diesel

Manual

No

Zest Quadrajet 1.3 XT

Diesel

Manual

No

Zest AMT Quadrajet 1.3 XTA

Diesel

Automatic

Yes

Last Known On-Road Price in Top Cities

Tata Zest is available in the used car market at different prices based on the variant, ownership, kilometres driven, year of registration and general condition of the car. The top variant can be bought in the estimated price range of Rs. 7.5 Lakh to 8.5 Lakh for models registered in 2020.

Conclusion

Tata Zest is a stable sedan which is comfortable for both city and highway driving. It is reasonably priced and offers most of the features that one can expect in a car of this class. To ensure your purchase is well protected you are advised to buy a comprehensive car insurance plan. This will cover a variety of expenses that you may incur towards repairs related expenses in case of any unfortunate accidents.

 

Check Out Car Insurance Plans Available at Bajaj MARKETS

FAQs on Tata Zest Insurance

  • ✔️What is IDV in car insurance?

    IDV stands for Insured Declared Value. It is the maximum amount your insurer will pay if your vehicle is stolen or has irreparable damage. 

  • ✔️What is Tata Zest’s mileage?

    The mileage depends on fuel types such as petrol / diesel engine or transmission manual / automatic. However, in general, Tata Zest’s mileage is between 17.5 to 23 kmpl.

  • ✔️What is Tata Zest’s seating capacity?

    Tata Zest can comfortably seat 5 people in all, including the driver.

  • ✔️What is Tata Zest’s ground clearance?

    Tata Zest has a ground clearance of 170 mm which means it is able to provide good riding comfort even on poor roads.

  • ✔️Which is the best insurance type?

    The right insurance plan depends on your own needs and requirements. A comprehensive insurance plan is recommended as it protects your car from a variety of risks and threats.