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Buying insurance for your car is mandatory in India. You have to purchase at least a Third-party Insurance Policy for your vehicle to comply with the rules and regulations. A car insurance policy provides coverage against costs incurred due to damage to the third-party or your vehicle. This article will throw light on all the aspects of Tata Nexon Insurance.
Buying motor insurance is mandatory to drive your car on Indian roads. Driving a vehicle without a valid insurance policy is an offence, and it can attract hefty penalties. So, be it Tata Nexon or any other vehicle, buying a car insurance policy is a must. Below are the benefits of purchasing car insurance for Tata Nexon:
A Comprehensive and Third-party Car Insurance Policy will cover damages caused to third-party property or life. In case your vehicle is involved in an accident and ends up damaging third-party property or injuring a third party, the car insurance will cover such damages.
A Comprehensive Car Insurance Plan comes with an Own Damage cover, which covers the damage caused to you or your vehicle. The insurance plan covers injury/accidental death of the driver and also accidental/fire damages to the vehicle and damages to the vehicle due to natural/man-made disasters.
The Comprehensive Car Insurance Plan also covers the theft or total loss of the insured vehicle. In case your Tata Nexon is totalled in an accident or stolen, the insurance policy will cover such losses.
A Comprehensive Car Insurance Policy also allows you to expand the scope of coverage through add-ons. You can buy individual add-ons as per your requirement and depending on the make and model. There are a host of car insurance add-ons available for Tata Nexon Car Insurance.
You can opt for two types of car insurance plans for your Tata Nexon: Third-Party car insurance and Comprehensive car insurance. Below are the details of both the car insurance plans:
Third Party Car Insurance Policy provides coverage against costs/legal implications incurred due to damage to the third-party property or life. Moreover, buying at least third-party liability coverage for your vehicle is compulsory to comply with the Motor Vehicles Act. But on the downside, the third-party insurance plan does not provide Own Damage coverage.
Comprehensive Car Insurance Policy provides extensive coverage as it offers both third-party and Own Damage cover. Apart from third-party liability coverage, Comprehensive car insurance plans also provide coverage against damage to your vehicle and injury/accidental death of the driver. Another advantage of a Comprehensive Car Insurance Policy is the ability to purchase add-ons to expand the scope of coverage of motor insurance policy.
The Tata Nexon Comprehensive Insurance Policy will provide coverage against the following:
Loss/Damage to the vehicle due to an accident.
Loss/Damage to third-party property or life.
Loss/Damage to the vehicle due to natural calamities such as floods, cyclones, earthquakes, etc.
Total loss or theft of the insured vehicle.
Loss/Damage to the vehicle due to man-made disasters such as vandalism, etc.
Loss/Damage to the vehicle due to a fire outbreak or explosion.
Tata Nexon car insurance will not provide coverage against the following circumstances:
Loss/Damage to the vehicle due to improper handling.
Loss/Damage to the vehicle due to rash/reckless driving.
Loss/Damage to the vehicle due to regular wear and tear.
Loss/Damage to the vehicle due to mechanical or electrical failure.
Loss/Damage to the vehicle when driving under the influence of alcohol/intoxicating substances.
Loss/Damage to the vehicle when driving without a valid driving licence.
Any add-ons which are not bought.
A Comprehensive Car Insurance Plan gives you the option to purchase add-ons. Below are the available add-ons for Tata Nexon:
Roadside Assistance Cover
Passenger Cover
Engine Protection Cover
Invoice Cover
Consumables Cover
Key Protect Cover
Below are the advantages of purchasing ACKO Car Insurance Policy for your Tata Nexon SUV:
At ACKO, you can buy car insurance online, and there is zero paperwork. Similarly, car insurance renewal can also be completed online without any paperwork. Digital payment modes and zero paperwork save you a lot of time.
You can file a car insurance claim online at ACKO. For minor damages, the claims will be settled instantly, and there is no need to wait! Claims for major damages will be settled in a few hours/days, depending on the severity of the damage.
ACKO’s website provides all the information related to car insurance and extensive blogs about various insurance plans will clear all your queries. Further, the car insurance experts at ACKO will assist you in purchasing the right insurance policy for your Tata Nexon.
ACKO provides car insurance plans based on the optimal value (Insured Declared Value) of your car. You can compare different insurance plans and add-ons online before making the purchase decision.
At ACKO, you can apply for a car insurance claim online. Below are the steps to file a car insurance claim:
Step 1 - Visit the website www.acko.com or download the mobile app.
Step 2 - Login to ACKO account to access the car insurance features.
Step 3 - Select the Car Insurance option and then choose your insurance plan (Third-Party/Comprehensive).
Step 4 - Next, select the Car Insurance Claim option.
Step 5. Enter the details about the damage and upload pictures of the damaged car.
Step 6. In case of minor damages, you will receive an instant claim settlement.
Step 7. Major repairs will be carried out at garage of your choice .
Step 8 - For major repairs, your vehicle will be picked* from your doorstep, and the repaired vehicle will be delivered within three days.
*Note: Vehicle pickup/drop facility is available in select cities.
Below are the most commonly asked questions related to Tata Nexon Car Insurance:
You can buy a car insurance policy online or offline from any of the insurers in the country. But it is better to opt for a digital-first insurer as you can buy car insurance online without any paperwork.
Third-party car insurance for Tata Nexon will provide coverage against damage/loss to third-party property or life. Whereas, a Comprehensive Insurance Plan for Nexon will provide Own Damage cover and third-party liability coverage.
There are a host of add-ons available for Tata Nexon Comprehensive Car Insurance. But you can consider buying the following add-ons for your Nexon:
Engine Protection Cover
No Claim Bonus Cover
Passenger Cover
Depreciation Cover
Roadside Assistance Cover
Consumables Cover
You will need the previous insurance certificate, vehicle registration certificate and identity proof to renew a car insurance policy. But for online insurance renewal, you need not submit the hardcopy of the documents.
The cost of car insurance depends on the condition and value of the vehicle. The cost also depends on the insurance plan and add-ons you choose.
Yes, the Comprehensive Car Insurance Plan will cover damages to your vehicle caused by natural disasters such as floods, earthquakes, cyclones, etc.
Yes, you can apply for a car insurance claim for minor damages. But it’s better to avoid making claims for minor damages as you will lose out on No Claim Bonus unless you have purchased the NCB cover.
No. You cannot buy add-on covers for a Third-Party Car Insurance Policy as it does not offer an Own Damage cover. Only a Comprehensive Car Insurance Policy will allow you to purchase add-ons.