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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.
Let's explore the advantages of buying car insurance online for your brand-new Tata vehicle:
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.
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.
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.
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.
Two options to buy car insurance for your Tata car are available to you:
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.
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.
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:
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.
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.
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.
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.
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:
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.
To renew your Tata car insurance policy online, you can follow these easy steps:
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.
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:
If you want to file a cashless claim, follow these steps:
The steps for filing a reimbursement claim are similar to those for a cashless claim with a slight difference:
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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.
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.
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.
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.
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.
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