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About Tata Motors Limited
Tata Motors, the homegrown automaker, is known for its affordable and safe cars, ranging from hatchbacks to SUVs (Sport Utility Vehicles). Tata cars are well-built and equipped with the necessary safety equipment to protect you in case of a mishap. Apart from that, the design language of Tata cars has evolved radically, with the automaker producing elegant and sporty-looking cars. Some of the popular Tata cars include the Tata Tiago, Tata Altroz, Tata Punch, Tata Nexon, Tata Harrier, etc.
Premium Rates of Popular Tata Car Models
The following table provides more details on the Tata car insurance price for popular Tata car models. Please note that the insurance premiums are for brand-new car models, and they are region-specific (Bangalore).
Model | Variant | IDV | Comprehensive Plan | Zero Depreciation Plan |
|---|---|---|---|---|
Tata Tiago | XZA Plus (Petrol) | Rs. 5.31 lakhs | Rs. 15,907 | Rs. 18,803 |
Tata Punch | Accomplished AMT (Petrol) | Rs. 7.49 lakhs | Rs. 14,350 | Rs. 16,391 |
Tata Tigor | XZA Plus (Petrol) | Rs. 7.12 lakhs | Rs.14,167 | Rs. 16,107 |
Tata Altroz | XM (Petrol) | Rs. 5.84 lakhs | Rs. 13,532 | Rs. 15,123 |
Tata Nexon | XZ Plus (Petrol) | Rs. 8.12 lakhs | Rs. 14,661 | Rs. 16,872 |
Tata Harrier | XZ (Diesel) | Rs. 15.43 lakhs | Rs. 37,332 | Rs. 44,337 |
Tata Safari | XZ (Diesel) | Rs. 18.19 lakhs | Rs. 84,631 | Rs. 1,17,651 |
Benefits of Tata Car Insurance
Buying Tata car insurance not only makes you comply with the law but also provides financial and legal coverage in case of any mishaps. Following are the benefits of insuring your Tata car.
Third-Party Liability Coverage
Insuring your Tata car makes you comply with the law, and the policy also covers you against third-party liabilities caused by your car. It provides a financial and legal backup if your car damages third-party property or causes injury or death to a third party.
Car Damage Coverage
If you opt for a Comprehensive insurance plan, the policy offers coverage against damage to your Tata car due to accidents, natural disasters, fire, etc. The policy will also cover vehicle theft or total loss. Moreover, you can also opt for add-ons for additional coverage.
Personal Accident Cover
Buying a PA (Personal Accident) cover is mandatory when you insure your Tata car. It provides coverage to you (vehicle owner) against accidental injuries/disability or death. The cover offers coverage up to Rs. 15 lakhs.
Comply with Law
Buying insurance for cars and keeping the policy active at all times is necessary if you want to avoid penalties. By opting out of car insurance, you risk going against the law and exposing yourself to financial expenses due to damage to the car or third-party liabilities.
Tata Car Insurance Coverage
Insurance for Tata cars provides a wide range of coverage benefits, depending on the type of plan you buy. The following sections provide information about the inclusions and exclusions of Tata car insurance.
Inclusions
Exclusions
Here are the coverage benefits of the Comprehensive insurance plan for Tata cars.
Third-party property damage.
Injury, disability or death of the third party.
Damages to your Tata car caused by accidents, fire, natural disasters and man-made disasters.
Theft or total loss of your Tata car.
Personal Accident cover (to be purchased separately)
Any other coverage under add-ons.
The following are the exclusions of the Tata car insurance.
Regular wear and tear.
Loss or damages to the vehicle when driving under the influence of intoxicating substances.
Damages to the vehicle due to improper handling.
Damages caused to the vehicle while driving without a valid Driving Licence.
Electrical or mechanical failure.
Damages to the car due to illegal racing or overspeeding.
Vehicle damages occurred outside geographical limits.
Add-Ons for Tata Car Insurance
Add-ons provide additional coverage for the insured vehicle. You can opt for individual add-on covers when purchasing/renewing a Comprehensive Car Insurance Plan. Here are the available add-ons for Tata cars.
Engine Protection Cover
Zero Depreciation Cover
No Claim Bonus Cover
Personal Accident Cover for Passengers
Roadside Assistance Cover
Return to Invoice Cover
Outstation Emergency Cover
Consumables Cover
Key Replacement Cover
Types of Tata Car Insurance Plans
Here are the types of Tata four-wheeler insurance plans available on ACKO.
Third-party Car Insurance Plan
A Third-party Car Insurance Policy is compulsory in India to meet the legal requirements. The insurance plan provides coverage against third party damage/loss. It is a basic plan for your car, and it does cover damages to your vehicle. Along with the Third-party Insurance Plan, a Personal Accident (PA) cover is also mandatory. You can buy the PA cover along with the insurance plan.
Comprehensive Car Insurance Plan
A Comprehensive Car Insurance Policy provides all-around coverage, including third-party and Own Damage cover. The insurance plan covers financial losses due to damage/loss to third-party property/life and damages to your Tata car. You can also enhance the policy coverage by opting for add-ons.
How to Buy Tata Car Insurance
Here are the steps to buy car insurance for your Tata car.
Step 1: Visit the insurer’s website (like ACKO) or app.
Step 2: Provide your vehicle details.
Step 3: Select the insurance plan and add-ons (if applicable).
Step 4: Pay the premium online to complete the purchase.
Step 5: For the Tata car insurance policy download, you can refer to your online policy card or check your inbox.
How to Renew Tata Car Insurance
Following are the steps for Tata car insurance renewal.
Step 1: Visit the insurer’s website (like ACKO) or app.
Step 2: Log in to the policy account or provide the existing policy number.
Step 3: Select the renewal option and choose the insurance plan for renewal.
Step 4: Pay the premium online to complete the Tata car insurance renewal process.
Claim Procedure for Tata Car Insurance
Filing a claim is one of the most tricky processes. But at ACKO, you can raise a claim online within a few minutes. Here are the steps to file a claim on ACKO:
Step 1: Log in to your account via ACKO’s website or smartphone application.
Step 2: Click on the Claim button on the policy card and answer a few questions.
Step 3: Upload the photos of the damaged vehicle and documents (if required) and submit the claim request.
Frequently Asked Questions about Tata Car Insurance
Here are some of the most commonly asked questions and their answers related to Tata car insurance.
FAQs
Which insurance company tie-up with Tata Motors?
You need not rely on Tata Motors to insure your Tata car. You can go online and buy or renew car insurance from any online insurance provider like ACKO
Does Tata have insurance company?
Yes, Tata has a general insurance company. However, you can opt for any insurance provider to insure your Tata car.
How to claim Tata insurance?
You can visit the insurer’s website, log in to your account or navigate to the “Claims” section to raise a claim against Tata car insurance. You must provide the relevant information and proofs (photo/video) and upload soft copies of the documents to raise a claim online.
What are the documents required to buy Tata car insurance on ACKO?
You need not upload any documents while purchasing a four-wheeler insurance plan on ACKO. Visit the ACKO website/app and enter the vehicle and previous policy details and buy the insurance policy and add-ons of your choice. It’s that simple.
Is online car insurance valid for Tata cars?
Yes. Online or digital car insurance is valid for all cars. When you buy car insurance online on ACKO, you will instantly receive the soft copy of the insurance document at your registered email address. You can either produce the soft copy or hard copy of the document when demanded by the authorities.
How can I file a claim on ACKO?
You can file a claim against Tata car insurance online on ACKO. Login to your account via ACKO’s website/app and select the Claim option on your Policy Card. Answer a few questions and upload the photographs of the damaged car and submit the claim request. The entire process takes only 2-3 minutes.
Should I buy a Personal Accident cover along with the car insurance plan?
Yes, you need to purchase the Personal Accident (PA) cover along with the four-wheeler insurance policy if you don’t have one. PA cover is mandatory as per law, and it provides coverage if the driver/owner suffers disability/accidental death while driving the car. You need to have only one PA cover, even if you own multiple vehicles.
Can I customise the car insurance policy as per my needs?
Yes. If you are purchasing the Comprehensive Insurance Policy, you can customise the plan with additional covers or add-ons. You can choose the add-ons as per your requirement and also adjust the IDV (Insured Declared Value) before purchasing the policy.
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