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About Tata

Tata Motors Limited is an esteemed, global automobile manufacturing company which was established in the year 1868. The company is one of the largest automobile manufacturing company in India and boasts of a glorious legacy of competent leadership concering customer-centricity and technology. Tata Motors made its debut in the passenger vehicle segment in 1991 with the launch of its SUV, Sierra. By launching Tata indica, the fully indigenously developed vehicle , Tata Motors become the pioneer of the Indian automotive industry. Additionally, the new generation passenger cars launched by the group are crafted for superior convenience , connectivity, and performance. Furthermore, by accquiring the prestigous Jaguar- Land Rover brand in 2008, Tata Motors has made a mark in the global automobile industry

Most Popular Tata Car Models

  • Tata Tiago

The Tata Tiago was the first car to be launched post Tata’s new ‘Impact’ design philosophy. Tiago boasts supreme built quality combined with spacious interiors and presents a great value-for-money proposition. No wonder it is one of the favourites among entry-level hatchback buyers in India. Protect your vehicle with our Tata Tiago Insurance

  • Tata Indica

The Tata Indica is a hatchback car available in both petrol and diesel variants. Indica boasts of incredible cabin space, impressive mileage and is available at a competitive price which has made it a huge hit in the taxi and fleet market. Moreover, being an indigenous model, it can be conveniently repaired at any local workshop/garage. This factor has further added to Indica’s reputation amongst the Indian customers.

  • Tata Tigor

Tigor is a sub-compact sedan and is the next generation model of the Indigo CS sedan. Tigor boasts of a marginally longer wheelbase, latest equipment and offers the best-in-segment value-for-money proposition.

  • Tata Hexa

The Tata Hexa is a heavily re-designed SUV, based on the earlier model Tata Aria. The Hexa offers an impressively spacious cabin, high-quality build and an exhaustive list of equipment on board.

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 Tata car insurance plan protects your vehicle against such risks and compensates you for the loss incurred.

Besides, having third-party car insurance for your Tata car is mandatory by law in India. So, to enjoy joyous and lawful long drives in your Tata car, it’s essential to get an appropriate Tata insurance policy.

Types of Tata Car Insurance Plans

Tata Motors insurance plans are of two types:

  • Third-Party Tata Car Insurance Plan

Third party car insurance is mandatory by law under the Motor Vehicles Act, 1988. The policy is known to cover third-party liability only. Hence, the premium charges are cheap 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 Tata Car Insurance Plan

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 Motors insurance ensures that your vehicle is protected against unfortunate events at all times.

Tata Car Insurance Price for Popular Tata Car Models

Tata Insurance Cost

Sr No.

Tata Car Model

Engine cc

TP Rates

1

Tata Tiago

1,199

 

2

Tata Indica

1,396

 

3

Tata Tigor

1,199

 

4

Tata Nexon

1,199

 

5

Tata Hexa

2,179

 

Why Choose Finserv MARKETS for Tata Car Insurance?

Besides offering monetary compensation for the damages caused to your car, a tata car insurance policy from Finserv MARKETS offers you the following benefits

  • Cashless Settlement - Get cashless repairs done for your car across network garages.
  • Fast and Reliable Repairs - Get your car back on the roads with 24x7 roadside assistance car service.
  • 24/7 Claims Assistance - With one of the swiftest car insurance claim process be rest assured while filing an insurance claim in case of any mishap.
  • Roadside Assistance - Get 24/7 roadside assistance which includes services such as emergency repairs, towing facilities, storage facilities etc.
  • Car Hire - Hire a temporary within your Tata vehicle insurance claim in the event of a theft or a major car accident.
  • Online Insurance Renewal - At Finserv MARKETS, car insurance Renewal can be done online within a few minutes.

To check the car insurance premiums for policies available on Finserv MARKETS, use the car insurance calculator. The tool helps you determine the premiums and compare the prices of car insurance plans offered by other insurers as well. That way, you will be able to make an informed decision. 

Inclusions in the Tata Car Insurance Policy

  • Damage due to fire explosion self-ignition or lightning.
  • Damage due to burglary housebreaking or theft.
  • Damage due to Riot and Strike.
  • Damage due to Earthquake (Fire and Shock Damage).
  • Damage due to Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone, Hailstorm, frost.
  • Damage caused by accidental external means.
  • Damage due to malicious acts.
  • Damage due to terrorist activity.
  • Damage whilst in transit by road, rail, inland, waterway, lift, elevator or air.
  • Damage due to Landslide/Rockslide.

Exclusions in the Tata Car Insurance Policy

  • Damage or loss caused outside the designated geographical area in the insurance policy.
  • Claims arising out of any Contractual Liability.
  • The accidental losses incurred if the vehicle was being used otherwise than in accordance with the law such as speeding, riding someone else’s bike, under the influence of alcohol etc.
  • Any damages caused directly or indirectly by ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste.
  • Any accidental loss or damage caused by or contributed due to nuclear weapons.
  • Any accidental loss or damage arising out of or in connection with the Invasion by foreign enemies, hostilities or Warlike operations (whether before or after the declaration of war), Civil War, Mutiny Rebellion, Military or usurped power.

Add-On Covers for Your Tata Car

When buying comprehensive Tata car insurance, you can purchase additional covers that provide extensive protection to your vehicle. These add-ons are optional, and you can choose the ones that are most relevant to you.

Let us take a look at the different add-on covers available for comprehensive Tata vehicle insurance:

  • Zero Depreciation

With a zero depreciation car insurance add-on 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/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.

  • No-Claim Bonus Protection Cover

Every time you make a claim, you lose the no-claim bonus (NCB) earned on your insurance plan. However, with the NCB protection cover, the NCB earned remains even after making a claim.

  • Consumable Expenses

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.

  • Engine and Tyre Secure

With this cover, you are adding safety to your engine and tyres. So, in case of replacement/repair, the insurer will compensate you for the expenses incurred. Also, any damage to the internal parts such as the engine, gearbox, and transmission is covered.

How to Apply for Tata Car Insurance Online?

Just follow the steps given below to apply for Tata vehicle insurance online:

  1. Visit the Car Insurance plans section on our website.

  2. Fill the application with the relevant details.

  3. Choose the Tata car insurance plan you want.

  4. Make an online payment.

  5. The policy will be issued in no time.

How to Renew Tata Car Insurance?

To continue reaping the benefits of your Tata Motor car insurance, renew the policy with us on Finserv MARKETS. Just follow the steps given below:

  • Visit the ‘Car Insurance’ section on our website.

  • Enter your registration number and contact details.

  • Check your Tata Motors insurance renewal premium.

  • Make the payment online.

  • Download the policy copy.

Do not forget to avail the No-Claim Bonus (NCB) discount at the time of Tata car insurance renewal.

Tata Car Insurance Claim Process

Tata car insurance ensures all-around protection in case of unfortunate accidents or car theft. While getting Tata Motors insurance is the first step to financial security, the second step is understanding how claims are registered.

Typically, there are two types of Tata car insurance claims:

  • Claim Cashless Car Insurance for Tata Cars

With cashless claims, you can get a car with accidental damages repaired at the nearest network garage. The insurer will directly pay the garage for incurred expenses.

  • Claim Reimbursement for Tata Car Insurance

In 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).

Steps to Claim Tata Car Insurance Online

The claim settlement process for Tata cars at Finserv MARKETS is easy. Just follow the steps below:

Process for Filing Cashless Claims for Tata Cars

  1. Register the claim & inform the insurer. You may do so by calling their toll-free number or by visiting their website.

  2. Get your car repaired at the nearest network garage.

  3. Submit all the required documents.

  4. Once the documents are verified, your insurer will settle the claim directly with the network garage.

Process for Filing Reimbursement Claims for Tata Cars

  1. Inform the insurer about the damage.

  2. File an FIR in case of vehicle damage due to third-party or theft and submit its copy along with other documents.

  3. Get the car repaired at a garage of your choice at your expense.

  4. Submit the original bills and payment receipt to the insurer.

  5. Once the documents are verified, the insurer will reimburse you for the claim amount.

Documents Required for Tata Car Insurance Claim

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

  • Tata car 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 repard.

 

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs On Tata Car Insurance

  • ✔️Is it compulsory to buy car insurance for my Tata car?

    Yes. A car insurance policy is mandatory by law to legally drive on Indian roads.

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

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

  • ✔️What will happen if I do not have Tata car insurance for my new car?

    Failing to present an active Tata car insurance plan when asked for by the traffic police, you will be charged with a traffic challan.

  • ✔️What is the fine for driving without a valid car insurance policy?

    The penalty for driving your Tata car without valid Tata car insurance is ₹2,000 and/or imprisonment up to three months for the first offence. For subsequent offences, the penalty is ₹4,000 and/or imprisonment for up to three months.  

  • ✔️Is Tata car insurance expensive?

    No, Tata car insurance is not expensive. However, you can use the car insurance premium calculator to determine the cost of the policy based on the coverage and add-on covers you want.  

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