TATA Car Insurance

Know about TATA car insurance plans, their benefits, coverages, and premiums. Check how you can apply for TATA car insurance plans online.
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TATA Car Insurance
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3 mins
30 October 2023

When it comes to buying a new car, one of the most critical aspects is getting it insured. With comprehensive coverage, extensive features, and flexible options, TATA car insurance plans stand out as the ideal choice for protecting your prized possession on the roads of India. You get coverage options ranging from third-party liability insurance to a comprehensive policy that covers both own damages and third-party liability.

Read on to know the features and benefits of car insurance plans for your TATA cars, and why you should consider buying these policies. Also, check the various add-ons and optional covers available with these plans.

Features of TATA car insurance

Here are some of the key features of TATA car insurance plans.

Comprehensive coverage: Car insurance plans for TATA cars offer all-encompassing protection, including coverage for both third-party liability and damage to your vehicle. Whether it is an accident, theft, fire, or natural calamity, your TATA car will be secure with these insurance plans.

Cashless claim settlement: These car insurance plans for TATA cars offer a vast network of cashless garages, making the claim process hassle-free. You can get your car repaired at any of these garages without worrying about the expenses.

Affordable premiums: TATA car insurance offers competitive premium rates, making it a cost-effective choice without compromising on coverage.

Quick and easy renewals: TATA car insurance renewal is a straightforward process. You can renew your policy online in just a few clicks, ensuring that your car remains protected without any interruptions.

Benefits of TATA car insurance

Here are some of the key benefits of TATA car insurance plans.

24x7 assistance: TATA car insurance provides round-the-clock customer support to assist you in case of emergencies or queries.

No Claim Bonus: With TATA car insurance plans, you can avail of the No Claim Bonus (NCB) for every claim-free year. This can lead to significant savings on your premiums.

Personal accident cover: The policy offers personal accident cover for the owner-driver, providing financial security in case of unfortunate accidents.

Hassle-free claim settlement: TATA car insurance plans are known for their efficient and transparent claim settlement process, ensuring you get the support you need when it matters the most.

Calculate your car insurance premium online

Calculating your TATA car insurance premium is easy with the online car insurance premium calculator tool. You simply need to follow the below steps:

  • Visit the preferred insurance company’s website. You can also check your car insurance premium on Bajaj Finance Insurance Mall.
  • You only need to enter your vehicle details, such as the make and model, age etc.
  • Enter the policy period, type of policy, and select the coverage options and add-ons you desire.
  • You also need to provide your personal information.
  • Once you provide all the necessary details, the online premium calculator will generate a quote based on your input.

This simple and quick process allows you to tailor your policy to your specific needs while providing an estimate of your premium.

TATA car insurance price for different models

Here’s a quick look at the TATA car insurance prices for popular TATA car models.

TATA car models

Premiums starting from

TATA Punch

Rs. 3416

TATA Nexon

Rs. 3416

TATA Harrier

Rs. 7987

TATA Altroz

Rs. 3416

TATA Tiago

Rs. 3416

TATA Safari

Rs. 7987

TATA Tigor

Rs. 3416


Note: The insurance prices vary as per the car’s engine CC, and are subject to change.

Reasons to buy TATA car insurance plans

There are several reasons to choose car insurance plans for your TATA cars:

Customisation: TATA car insurance plans offer a variety of coverage options and add-on features, allowing you to customise your policy to fit your unique requirements.

Extensive network: An extensive network of service centres and cashless garages makes it convenient to get repairs and settlements.

Competitive pricing: Get competitive premium rates without compromising on the quality of service and coverage.

Customer-centric approach: TATA car insurance plans are aligned with the customers' needs and satisfaction, making the insurance experience as smooth and convenient as possible.

Inclusions of TATA car insurance

TATA car insurance covers the following conditions:

Own damage coverage: Coverage for damage to your vehicle due to accidents, theft, natural disasters, and more.

Third-party liability: Coverage for damage caused to third parties, including property damage and bodily injury.

Personal accident cover: Financial protection for the owner-driver in the event of an accident.

No Claim Bonus: Get up to 50% of NCB for claim-free years, leading to premium discounts.

Exclusions of TATA car insurance

While TATA car insurance offers comprehensive coverage, there are certain exclusions you must know:

  • Does not cover any damages or liabilities incurred while driving without a valid driver's licence.
  • Does not cover damages or accidents caused while under the influence of alcohol or drugs.
  • Does not cover damages or losses that result from a previous accident that occurred before buying this policy.
  • Does not cover general wear and tear and maintenance-related issues.

TATA car insurance add-on covers

Get a choice of add-on covers to enhance your protection for TATA cars further. Some popular add-ons include:

Zero depreciation cover: This add-on ensures that you receive the full value of the replaced parts during a claim settlement, without considering depreciation.

Engine protection cover: It covers the repair or replacement cost of the engine and its parts in case of damage due to water ingression or oil leakage.

Roadside assistance: This feature provides help in case of breakdowns, flat tires, fuel assistance, and other roadside emergencies.

Consumables cover: It includes the cost of consumable items such as nuts, bolts, and engine oil during repairs.

Return to invoice: This add-on covers the gap between the Insured Declared Value (IDV) and the original invoice price of your vehicle in case of total loss or theft.

Optional covers in TATA car insurance

In addition to the add-on covers, TATA car insurance also offers optional coverage for specific needs. These include:

Daily allowance benefit: It provides a daily allowance to cover the cost of alternative transportation while your car is under repair.

Loss of personal belongings: This cover compensates for the loss of personal belongings in case of theft or damage to the insured vehicle.

Key replacement cover: It covers the cost of replacing lost or stolen keys.

Emergency transport and hotel expenses: In case of an accident or breakdown, this optional cover reimburses your transportation and hotel expenses.

NCB protect: With this option, you can protect your NCB even if you make a claim during the policy period.

A step-by-step guide to buying car insurance online at Bajaj Finance Insurance Mall

Follow the below steps to buy car insurance plans for your TATA car on Bajaj Finance Insurance Mall.

Step 1: Visit Bajaj Finance Insurance Mall and view the car insurance plans offered by leading motor insurance companies.

Step 2: Click on 'Get Quote’ to open the online application form.

Step 3: Enter the vehicle type, two-wheeler registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.

Step 4: Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant policies. You need to update your current policy expiry date here.

Step 5: Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 6: Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.

Step 7: Enter the vehicle owner’s name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as per the RC) and previous policy details.

Step 8: Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, credit/debit card to buy the policy.

In conclusion, TATA car insurance plans offer a comprehensive and customer-centric approach to protecting your vehicle on Indian roads. With a wide range of features, benefits, and customisation options, it ensures that your TATA car remains safe and secure. So, if you are looking for reliable car insurance in India, Tata car insurance is definitely worth considering.

Frequently asked questions

What is covered under TATA car insurance?

TATA car insurance provides comprehensive coverage that covers vehicle damages caused by accidents, theft, natural disasters, and more. It also covers third-party liability, which includes damage to third parties' property and bodily injury. You can also avail of personal accident cover for the owner-driver. Additionally, benefit from the No Claim Bonus (NCB) offered for claim-free years, which leads to discounts on your premiums.

Is third-party car insurance enough for my TATA car?

While third-party car insurance is mandatory by law, it only covers damages and liabilities incurred by third parties. It does not protect your own vehicle from damage or theft. For comprehensive protection, it is advisable to opt for comprehensive car insurance, which covers both third-party liability and damage to your own vehicle. This ensures that your TATA car is safeguarded from a wide range of risks, providing peace of mind on the road.

How can I check the TATA car insurance price?

You can easily check the TATA car insurance price by visiting your preferred insurer’s website. Navigate to the car insurance section and provide your vehicle details, personal information, and the coverage options you desire. The online premium calculator will generate a quote based on your input. This user-friendly tool allows you to customise your policy to meet your specific needs while providing an estimate of your premium.

Which add-on covers can I get on TATA car insurance?

TATA car insurance offers a range of add-on covers to enhance your protection. Some popular add-ons include:

  • Zero depreciation cover
  • Engine protect cover
  • Roadside assistance
  • Consumables cover
  • Return to invoice
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