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Overview on Tata Punch Car Insurance

Being a good driver and taking the necessary safety measures on the road can go a long way in safeguarding you. However, it does not mitigate the unfortunate perils that might affect you.

 

Risks such as theft, accident, loss resulting from natural or man-made calamities, malicious acts, vandalism, etc., are some things that cannot be controlled. Thus, having sufficient backup in the event of a mishap to compensate for the loss is crucial. So, let’s look at the Tata Punch car variants and understand the car insurance prices.

Tata Punch Variants

There are 14 Tata Punch car variants to choose from with varying models based on fuel and transmission types. So, let’s look at the Tata Punch ex-showroom price and the premium quotes:

Tata Punch

Ex-Showroom Price

Car Insurance Premium

Tata Punch Pure MT

₹5.49 Lakhs

 

Tata Punch Pure Rhythm Pack MT

₹5.84 Lakhs

 

Tata Punch Adventure MT

₹6.39 Lakhs

 

Tata Punch Adventure Rhythm Pack MT

₹6.74 Lakhs

 

Tata Punch Adventure AMT

₹6.99 Lakhs

 

Tata Punch Accomplish MT

₹7.29 Lakhs

 

Tata Punch Adventure Rhythm Pack AMT

₹7.34 Lakhs

 

Tata Punch Accomplish Dazzle Pack MT

₹7.74 Lakhs

 

Tata Punch Accomplish AMT

₹7.89 Lakhs

 

Tata Punch Accomplish Dazzle Pack AMT

₹8.34 Lakhs

 

Tata Punch Creative MT

₹8.49 Lakhs

 

Tata Punch Creative iRA Pack MT

₹8.79 Lakhs

 

Tata Punch Creative AMT

₹9.09 Lakhs

 

Tata Punch Creative iRA Pack AMT

₹9.39 Lakhs

 

Note: The actual prices for different Tata Punch variants are subject to change and can vary from time to time.

Types of Tata Punch Car Insurance Plans

There are two types of Tata Punch car insurance plans available:

1. Third-Party Car Insurance

Third-party car insurance is mandatory under the Motor Vehicles Act, 1988. So, you must have a valid third-party cover to drive legally on Indian roads. In the event of a mishap, your insurance plan shall compensate for any third-party damage or loss, bodily injuries or even death of the victim. However, the coverage fails to safeguard the damages incurred by your own four-wheeler.

2. Comprehensive Car Insurance

Comprehensive car insurance offers coverage against third-party liabilities, own damage, theft, calamities, and man-made disasters. Thus, you can rest assured when it comes to your precious vehicle. Though the premiums are slightly higher in comparison to third-party insurance, you can avail extensive protection, making it worth your money!

Inclusions of Tata Punch Car Insurance

●        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 floods, typhoons, hurricanes, storms, tempest, inundation, cyclones, hailstorms, frost, etc.

●        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 of Tata Punch Car Insurance

●        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 Punch Car Insurance

You can combine your comprehensive Tata Punch car insurance plan with add-on covers for enhanced protection. Here’s a list of add-on covers that you can buy with your Tata Punch car insurance policy:

●        Zero Depreciation Cover

With zero depreciation cover, the insurer will not take the depreciation rate of your vehicle into account while processing your claim. So, you can enjoy a higher claim amount to service your car.

●        Return to Invoice Cover

With such an add-on cover, you shall receive the invoice value of your Tata Punch car in case of theft or total loss. Here, the invoice value is the amount you had paid while buying your brand new Tata Punch car.

●        Consumables Expenses

Usually, the repair and replacement costs of consumables are not covered under your policy. However, with consumables cover, you can ensure that such expenses are covered by the insurer.

●        NCB Protection Cover

No Claim Bonus is a discount you can avail on your car insurance renewal premium but even a single claim can set you back to zero discounts. The NCB protection cover enables you to make a claim and maintain the NCB reward without any hassles!

●        Personal Accident Cover

Any accidental injury, disability or even death of the owner-driver is covered under the personal accident cover.

How to Apply for Tata Punch Car Insurance Online?

You can apply for Tata Punch insurance at affordable prices on Finserv MARKETS in the following way:

 

Step 1: Visit the ‘Car Insurance’ section on our website.

Step 2: Choose the coverage for your Tata Car Insurance.

Step 3: Fill the online form and submit your car’s details.

Step 4: Get your car details assessed by our insurance executive.

Step 5: Complete the payment of your Tata Punch Car Insurance.

How to Renew Tata Punch Car Insurance?

You can continue your Tata Punch car insurance coverage and renew the plan in the following method:

 

Step 1: Visit Finserv MARKETS online.

Step 2: Go to the ‘Car Insurance’ section on our website.

Step 3: Enter your registration number and contact details.

Step 4: Check your Tata Punch car insurance online renewal amount.

Step 5: Make the payment online.

Step 6: Download the insurance policy copy.

Tata Punch Car Insurance Claim Process

Tata Punch car insurance safeguards your vehicle in case of unfortunate mishaps or car theft. Though buying insurance is crucial, so is understanding how claims are registered.

There are two types of Tata Punch car insurance claims:

●        Claim Cashless Car Insurance for Tata Punch Cars

With cashless claims, you can get your Tata Punch car repaired at the nearest network garage without having to pay for it. The insurer will directly settle the bill with the garage for incurred expenses.

●        Claim Reimbursement for Tata Punch Car Insurance

For reimbursement claims, you can get your vehicle serviced at a preferred garage, pay for the expenses, and file a claim against your policy. Upon claim approval, the claim amount shall be transferred to your account.

Steps to Claim Tata Punch Car Insurance Online

Process for Filing Cashless Claims for Tata Punch Cars

Step 1: Inform the insurer by calling their toll-free number or by visiting their website and register the claim.

Step 2: Get your four-wheeler repaired at the nearest network garage.

Step 3: Submit all the necessary documents.

Step 4: Once the submitted documents are verified, your insurance provider will settle the claim directly with the network garage.

Process for Filing Reimbursement Claims for Tata Punch Cars

Step 1: Inform the insurer regarding the loss incurred.

Step 2: File an FIR in case of major damage caused due to a third party or in the event of theft and submit its copy to the insurer.

Step 3: Get the car repaired at a garage of your choice and pay for the expenses.

Step 4: Submit the original invoice and payment receipts to the insurer provider.

Step 5: Once the submitted documents are verified, the insurer will reimburse the claim amount.

Documents Required for Tata Punch Car Insurance Claim

●        Tata Punch car insurance policy document

●        Tata Punch car details

●        Insurer details

●        Registration Certificate

●        Details of the Incident

●        FIR copy in case of theft

●        Original bills and receipts of the vehicle repair

Parting Thoughts

Mishaps never come knocking on doors and thus, it is important to opt for comprehensive Tata Punch car insurance without putting it off. In the event of an unforeseen peril, the last thing you would want to worry about is the financial aspect of the accident. By purchasing the right car insurance plan on Finserv MARKETS, you can gain protection against numerous risks at an affordable price. So, head over to our platform now and estimate the premium with our car insurance premium calculator!

Check Out Car Insurance Plans Available at Finserv MARKETS

FAQs on Tata Punch Car Insurance

  • ✔️Which car insurance plan is mandatory in India?

    It is mandatory to buy third-party car insurance under the Motor Vehicles Act, 1988. In case you are found without a valid insurance plan, you will have to pay a hefty penalty.

  • ✔️Do I need to carry my Tata Punch car insurance document when driving the vehicle?

    Yes. It is important to carry your Tata Punch car insurance policy document while driving. Apart from this, you can also keep the Registration Certificate, PUC certificate, and adriving licence in your vehicle.

  • ✔️Can I get a discount on my Tata Punch insurance price?

    You can get a discounted Tata Punch insurance price by installing anti-theft devices approved by the ARAI and by accumulating the NCB reward.

  • ✔️Is comprehensive Tata Punch car insurance compulsory?

    No. Comprehensive car insurance isn’t compulsory but it is recommended to opt for it to avail extensive coverage against mishaps.

  • ✔️Which factors affect my Tata Punch car insurance price?

    The factors that affect your Tata Punch car insurance premium are the age of the car, fuel type, area of residence, NCB discount, etc. 

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