Tata Motors Car Insurance
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About TATA Motors
Tata Motors Limited started producing locomotives in 1945, however it began producing passenger vehicles only in 1991. Their headquarters is in Mumbai. Earlier the company was known as Tata Engineering and Locomotive Company (TELCO). Tata has manufacturing facilities in Jamshedpur, Lucknow, Sanand, Dharwad, Pune and Pantnagar in India. They also have a number of other manufacturing facilities abroad and also purchased the English carmaker Jaguar Land Rover. Tata Motors is now among one of the top four-vehicle brands for passenger cars in India. They specialise in midsize cars that are compact and well suited for everyday use.
Tata Motors Car Insurance
When you purchase a Tata car you should also purchase the car insurance. Insurance provides a layer of protection for your car in case of a mishap by compensating for the losses. The insurance will cover the cost of the damage and hence provide financial stability for the policyholder in case of a mishap. Purchasing a car is a major expense for every person moreover, it has become an essential part of our daily lives. Hence safeguarding the car from uncertainties such as road accidents, vandalism, natural and manmade calamities is extremely important. Having an own damage cover either standalone or as a part of a comprehensive plan will take care of such concern.
Furthermore, it is compulsory for your Tata car to have at least a third party insurance to legally drive on Indian roads. The cover will take care of third party liabilities including bodily injuries, death and property damage. The limit for property damage compensation is Rs 7.5 lakh. If caught without it you can be punished with a fine of Rs. 2,000 and/or be imprisoned for up to 3 months. The insurance premium of your Tata car is majorly dependent on the Insured Declared Value of the car. The IDV is calculated by deducting the depreciation rate of the car from the manufacturer’s selling price. It is the maximum compensation the insurance provider is willing to provide in case of a mishap. The depreciation rate of the car is decided according to the age of the car.
To strengthen your Tata Car Insurance you can purchase add-on covers. They are elective covers that will further increase the coverage of your car. Add-ons are optional and give your car insurance policy the flexibility to fit individual needs. Here are some add-on covers that may be a good addition to your Tata car insurance:
- Zero Depreciation Cover: This cover negates the depreciation rate when the insurance provider calculates the settlement amount. However, the add-on is only available for cars that are less than five years old and can be used only a limited number of times within a year.
- Consumables Cover: The consumables cover provides coverage for the consumable aspects of the Tata car such as grease, air conditioner gas and bearings etc.
- Roadside Assistance Cover: In the event that your Tata car breaks down the insurance add-on will take care of taking it to the nearest garage or bring in a technician for on-site repairs and even fuel delivery.
Car Insurance Renewal Process for Tata Cars
Tata car insurance renewal is a quick, easy & hassle-free process when it is done online. The car insurance renewal process for Tata cars is mandatory to allow them to continue to avail the benefits of a car insurance policy without any break. Therefore, you should renew your car insurance policy before its date of expiry and keep it secured and insured. Here are the steps for Tata car insurance policy renewal online at the InsuranceDekho portal:
Step 1: Visit the website of the InsuranceDekho and select on the ‘Car’ tab.
Step 2: Enter your Tata car’s Registration Number and click on the ‘Proceed’ tab. Select your Tata car’s variant and fuel type to continue. If you do not know your Tata car’s registration number, in such a case, you should select ‘Don't know your car number?’ tab and choose the brand, model, fuel type, variant, registration year and city, and RTO of your Tata car to move further.
Step 3: Enter the expiry date of your previous car insurance policy and the name of your last car insurance organisation. Besides this, you should tell if you have made any car insurance claim during the last policy year and click on ‘Continue’ tab to proceed.
Step 4: Enter your personal details such as name, mobile number and the time for which you want your car to be insured under a car insurance plan and click on ‘Submit and Get Quotes’ tab.
Step 5: You will get car insurance policy premium quotes from various insurance firms before you. Select a car insurance policy quote after comparing them based on your requirements and budget. You can also include some add-ons of your choice at this stage.
Step 6: Click on the ‘Buy Now’ button and check all the entered data before initiating the payment for your Tata car insurance policy renewal. There are many payment gateways with which you can make payment such as debit card, credit card, online wallets and net banking options. After making the payment for the car insurance renewal process, the car insurance policy document will be instantly issued and sent to you directly to the inbox of your registered Email ID.
Claim Cashless Car Insurance For Tata Cars
The cashless car insurance is a facility under which you can get your Tata car repaired at the network garage of your insurance company. To avail this cashless option, you need to convey your insurer immediately after an accident to initiate the process. It allows you to get your Tata car repaired at a network car workshop after a mishap without making any payment for the repair work as under this procedure the insurance company will be paying the repair bill on your behalf after examining the repair invoice and relevant documents.
The cashless car insurance extricates you from making a sudden payment for repair after an accident or mishap. The cashless car insurance process requires a lesser amount of documents to be submitted and is framed with fewer formalities in comparison to the reimbursement claim process. It is a quicker process as under it a surveyor is sent by the insurance company immediately after the collision which speeds up the procedure as the repair task begins only after the approval of the insurer based on the report of the surveyor. The network garages of the insurance companies provide the best repair services as only those workshops are authorised that fulfil the quality standards of the company, with which you get the best services for free.
Renew Expired Policy for Tata Cars
The expiration of a car insurance policy can make policyholders lose several benefits such as legal violation, loss of insurance coverage, and termination of No Claim Bonus. Losing these facilities could enhance your troubles where you may be caught and penalised for driving without an active insurance policy, damages and losses sustained by your car may not be compensated and your accumulated NCB benefit could become null and void, which again could increase your policy premium. When your insurance policy expires, you must avoid driving the car, get in touch with your insurance company or agent, and keep the required documents with you.
When it comes to the renewal of expired car insurance policy for Tata cars, the insurance company will send an authorized representative to review the condition of the car. The documents which you need to be ready with while renewing your policy comprise vehicle registration certificate, expired car insurance policy copy, RTO address, documents stating car details, and so on. However, you can renew your car insurance policy within the grace period of 90 days online as well as offline. But, the online renewal process comes with several benefits like less documentation, easy access to your insurance company, safe and secured payment gateways, and so on.
Car Insurance Premium for Tata Car Variants
|Car Model||Variant of the Car||IDV*||Zero Depreciation Price* (INR)||Premium* (INR)|
|Tata Safari||DICOR 2.2 EX 4x2||749454||4122||23910|
|Tata Indigo||VS BSIII||383645||2110||11046|
|Tata Manza||Aqua Quadrajet||475290||2614||12777|
|Tata Sumo||Gold CX||597402||3286||20948|
|Tata Zest||Quadrajet 1.3||516079||2838||13548|
|Tata Tiago NRG||Petrol||396000||2178||10052|
|Tata Sumo Victa||SE Plus BSII||440000||1760||26385|
|Tata Winger||Deluxe - Flat Roof (AC)||604800||3326||21092|
|Tata Bolt||Revotron XT||462822||2546||11109|
|Tata Aria||Pleasure 4x2||1084353||5964||30434|
|Tata Safari Storme||LX||867399||4771||26207|
|Tata Tiago JTP||Petrol||466560||2435||11012|
|Tata Tigor JTP||Petrol||514400||3344||14123|
|Tata Xenon XT||EX 4X2||737595||4057||23678|
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Tata Car Insurance User Reviews
Online services very good and quick policy created.. i am satisfied with this service. Without policy never dr...Read More
Classic Safari storme insurance very smoothly renewed. A very useful as po. Modern approach to the issue. I wi...Read More
- Excellent service
Very good service, strongly recommended. They've called and provide a good service,.................. ..........
Quick & seamless experience. Did not have any issues throughout the process while doing the online policy deta...Read More
This is a very excellent and very most valuable Insurance Company this is a very good service in Universal sha...Read More
The InsuranceDekho website is very informative. While buying the Digit car insurance plan for my TATA Nexon, I...Read More
Lot of companies to choose and the interface is simple to complete the transaction faster. The description mus...Read More
The InsuraceDekho website provides a variety of plans to choose from. I chose the Digit car insurance plan. Th...Read More
InsuranceDekho’s website has got all the information about claim settlement ratios of different insurance comp...Read More
I recently purchased a Digit car insurance plan for my TATA Nexon from the InsuranceDekho website. The plan co...Read More
TATA Motors Car Insurance FAQ's
How long does it take to renew a Tata car insurance?
You can get your Tata car insurance renewed in just 5 minutes with InsuranceDekho.
Which all insurance add-ons should be bought with Tata cars
For Tata Insurance, The popular car insurance add-ons opted with Tata cars include zero depreciation add-on, engine cover, NCB (No Claim Bonus) cover and RSA (Road Side Assistance) cover among others.
From where can I purchase insurance for my Tata car
You can visit our website insurancedekho.com, compare all available premium quotes for Tata cars and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.
Which insurer has the best claim settlement ratio for Tata cars?
Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the car insurers who have registered impressive claim settlement ratio for Tata cars.
I recently met with an accident while driving my TATA Sedan. Which documents do I have to submit to file a car insurance claim?You must submit the following documents to ensure hassle-free claim. These include:
- Claim form signed by the policyholder.
- A copy of the Registration Certificate (RC) of your car
- A copy of your driving license
- A copy of your insurance policy
- A copy of the FIR lodged with the nearest police station
- Original bill of repair and cash receipt from the garage
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