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Buy/Renew Tata Car Insurance

Tata car Insurance

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Tata Motors, a global automobile manufacturer, is also a leading name in India. With a variety of sedans as well as SUVs in their fleet, Tata cars are a leading choice for adventurous folks as well as people who want performance merged with style.

Whether you are already a proud owner of a Tata Motors car or are planning to buy one, ensure that you cover it with the right insurance plan.   

Benefits of buying Tata car insurance online

Let's explore the advantages of buying car insurance online for your brand-new Tata vehicle:

 

Buy from Anywhere

One of the significant benefits of buying motor insurance online is that it offers flexibility. You can purchase the policy anytime and from anywhere using your mobile phone or computer. By visiting the insurer's website or using their app, you can complete the purchase process in just a few simple steps.

 

Save on your Purchase

When you purchase car insurance online, you get to enjoy the benefit of cost savings. Buying a policy directly from the insurer eliminates the need for intermediaries such as agents, resulting in a lower Tata car insurance price compared to an offline policy.

 

Instant Policy Renewal

In case your motor insurance policy is approaching its expiration date, you can quickly renew it from the insurer's website. By locating the 'Policy Renewal' tab on the website, you can complete the renewal process in just a few simple steps.

Inclusions and Exclusions of Tata car insurance

  • Inclusions

  • Exclusions

Damages caused to a third-party vehicle and their property.

Injuries or death caused to third parties due to an accident.

Damages caused by natural calamities like earthquakes and floods.

Damages caused by man-made calamities such as riots.

Losses or damages to the car due to fire.

Losses or damages to the car due to theft.

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Driving with an expired or invalid license.

Driving under the influence of alcohol or drugs.

Using the car for unlawful activities.

Normal wear and tear caused due to routine use.

Problems caused by electrical or mechanical breakdown.

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Types of car insurance plans for Tata cars

Two options to buy car insurance for your Tata car are available to you:

Third-party Car Insurance

Third-party car insurance is the basic insurance coverage that you must purchase as per the Motor Vehicles Act of 1988. This policy is designed to provide coverage for the damages caused specifically to a third party, including their vehicle and property. It also covers injuries and deaths caused to third parties. A personal accident cover is mandatory to purchase along with this policy to comply with the legal mandate.

Comprehensive Car Insurance

A comprehensive car insurance policy provides coverage for both, own damages and third-party damages, under the same policy. Own damages may include damages caused due to an accident, natural or manmade calamity, fire, and theft. You can also enhance the policy's coverage by including add-ons. However, it is important to note that the cost of this policy is higher when compared to a third-party insurance policy.

Add-ons for Tata car insurance

In addition to providing coverage for damages caused by third-party and natural calamities, Tata comprehensive car insurance allows you to add various add-ons to enhance your policy's coverage. Here are a few add-ons you can choose from:

 

Zero Depreciation Cover

By opting for zero-depreciation add-on , you can receive the maximum value for your claim without any deductions due to depreciation. It ensures that you get the full amount for any part replacement in case of an accident.

 

Emergency Roadside Assistance

This add-on comes in handy in case of a breakdown on the road. You can avail of 24x7 roadside assistance services from your insurer. It includes services like fuel delivery, jump-starting the battery, and towing your car to the nearest garage.

 

Key Replacement

If you accidentally misplace your car key, key replacement add-on ensures that you do not have to worry about the expenses involved in getting a new key. Your insurer will provide you with a temporary key that you can use until you get a new one from your dealer.

 

Engine Protection Cover

With the engine protection add-on , your car's engine is covered against any damage or problems that might affect its proper functioning. This add-on can be particularly useful for those living in areas with harsh weather conditions or facing frequent waterlogging issues.

How to buy Tata car insurance?

Buying Tata car insurance online is a hassle-free process that involves a few easy steps. You can follow these steps to purchase your car insurance policy online:

  1. Go to the official website of the insurance company.
  2. Enter the necessary details such as your car's make and model, your city of residence, and other relevant information.
  3. Choose the policy that best meets your needs.
  4. After selecting the policy, you will receive a quote based on the type of policy you have selected.
  5. If you opt for a comprehensive car insurance policy, you can add customisations with add-ons. However, keep in mind that add-ons will increase the cost of the policy.
  6. You can make payment for the policy online on the insurer's website.

It is recommended to use a car insurance calculator to get an estimated price for your policy before making the purchase. This will help you make an informed decision about the coverage that best suits your needs and budget.

Renew Tata car insurance

To renew your Tata car insurance policy online, you can follow these easy steps:

  • Navigate to your insurer’s website.
  • Provide details about your car and current policy.
  • If you filed any claims during the previous policy term, provide those details as well.
  • Based on the information provided, the insurer will present you with a quote for policy renewal.
  • You can customize the policy further if you want to.
  • After reviewing the refreshed quote, make the payment online to complete the renewal process.

By following these steps, you can renew your policy conveniently from anywhere, without having to visit the insurer's office or agent. It is important to renew your car insurance policy on time to avoid any penalties and ensure uninterrupted coverage.

Claim Procedure for Tata Car Insurance

Car insurance claims can be of two types: cashless claims and reimbursement claims. The process of filing each of these claims is different and here are the steps you need to follow:

 

Cashless claim:

If you want to file a cashless claim, follow these steps:

  • Contact your insurer through their website, app, or helpline number to inform them about the accident as soon as possible.
  • If required, file an FIR at the nearest police station.
  • Submit all the necessary documents and evidence related to the damage caused.
  • A surveyor sent by the insurer will inspect the vehicle to assess the damage.
  • Take your car to a network garage authorized by the insurer, where the cost of repairs will be directly billed to your insurance provider, and you will be able to receive a cashless payment directly to the garage.

 

Reimbursement claim:

The steps for filing a reimbursement claim are similar to those for a cashless claim with a slight difference:

  • Follow steps 1 to 4 for a cashless claim.
  • Choose a garage of your choice and get your car repaired.
  • Pay for the repairs yourself and make sure you keep all the bills and payment receipts.
  • Submit all the required documents to your insurer.
  • Your insurer will verify the documents and reimburse you for the cost of repairs.

Frequently Asked Questions

Is car insurance mandatory?

Yes, car insurance is mandatory for all cars in India. As per the Motor Vehicles Act of 1988, it is mandatory for every car being driven on Indian roads to have at least third-party car insurance. If you are caught driving without valid insurance, you could be penalised by the authorities. Therefore, it is important to have a valid car insurance policy in India to comply with the law and ensure financial protection in case of any unforeseen circumstances.

What are the services provided under roadside assistance?

Under the emergency roadside assistance, you can access various services such as refilling or replacing a flat tyre, providing fuel in case of an empty tank, charging a dead battery, and arranging for free towing of your car to the nearest garage if it cannot be repaired on the spot. These services can be a lifesaver in case of unexpected car breakdowns while driving.

How to reduce your premium?

To reduce your insurance premium, there are several steps you can take. Here are a few:

· Removing unnecessary add-ons: Review your policy and remove any add-ons that you may not need. This will lower the premium amount.

· Adding safety devices: Installing safety devices like anti-theft devices, airbags, and anti-lock braking systems can help lower your premium. These devices make your car safer, reducing the risk of accidents and theft.

· Increasing your voluntary deductible: Increasing your voluntary deductible amount can lower your premium. A deductible is the amount you pay out of your pocket before the insurance kicks in.

· Maintaining a good driving record: Maintaining a good driving record can help lower your premium. If you have a history of safe driving without any accidents or traffic violations, you may qualify for concessions.

· Not filing claims for minor damages: If the damages are minor and can be easily repaired, it's better not to file a claim. This will help you maintain your no-claim bonus, which is a concession offered by insurance companies for not raising a claim. 

By following these steps, you can lower your insurance premium and save money.

What factors affect the price of insurance?

Several factors impact the cost of the insurance premium you pay, including your car's fuel type, cubic capacity, your driving record, and your geographical location.

Does third-party insurance cover own damages?

Third-party car insurance provides coverage for damages or injuries caused to third-party property or individuals, but it does not provide coverage for damages to your own vehicle.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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