Tata Nexon Car Insurance

Buy car insurance policy for your Tata Nexon car online. Check Tata Nexon insurance plans, coverage details, and steps to buy online.
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Buy/Renew Tata Nexon Car Insurance
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3 min
25-April-2024

The Tata Nexon is a popular compact SUV known for its stylish design, robust build quality, and feature-packed interior. Launched by Tata Motors, the Nexon offers a blend of performance, comfort, and safety features. Car insurance is essential for Tata Nexon owners as it provides financial protection against accidents, theft, and damage. It ensures coverage for repairs, replacements, and liability in case of unforeseen events, offering peace of mind and legal compliance.

Tata Nexon car models and insurance price

For an estimated third-party premium cost on your Tata Nexon car insurance, consult the table below:

Tata Nexon Variant

Third-Party Premium Rates (FY 23-24)

 

Tata Nexon Smart

Rs. 3,416*

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Tata Nexon Smart+

Rs. 3,416*

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Tata Nexon Smart+ S

Rs. 3,416*

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Tata Nexon Pure

Rs. 3,416*

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Tata Nexon Pure S

Rs. 3,416*

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Tata Nexon Creative

Rs. 3,416*

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Tata Nexon Creative+

Rs. 3,416*

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Tata Nexon Creative+ S

Rs. 3,416*

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Tata Nexon Fearless

Rs. 3,416*

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Tata Nexon Fearless S

Rs. 3,416*

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Tata Nexon Fearless+ S

Rs. 3,416*

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Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key inclusions of car insurance

Accidents: While accidents are unpredictable, having car insurance ensures coverage for any damages sustained by your Tata Nexon vehicle.

Theft: If your car is stolen, your insurance coverage extends up to the insured declared value specified in the policy.

Natural and man-made calamities: Car insurance provides protection against various natural calamities like fire and earthquake, as well as man-made incidents such as vandalism or terrorist acts.

Personal accident: In the unfortunate event of the owner-driver's death or disability resulting from an accident, insurance coverage of up to Rs. 15 lakh is provided.

Third-party liabilities: Car insurance also offers protection for third parties in case of injury, disability, or death caused by your vehicle.

Key exclusions of car insurance

Some of the key exclusions of car insurance policies are:

  • Normal wear and tear and depreciation of the vehicle
  • Damage due to mechanical or electrical breakdown
  • Damages due to driving under the influence of drugs/alcohol
  • Damages while driving without a valid driving licence
  • Damages to the vehicle outside the geographical limits mentioned in the policy

Car insurance add-ons you can consider

Add-ons, or additional coverage options, enhance your comprehensive car insurance policy for your Tata Nexon. Here are some add-ons available for your Tata Nexon car insurance policy:

  • Zero depreciation cover: Provides full reimbursement without factoring in depreciation during claim settlements.
  • Engine protection cover: Covers repair or replacement of the engine due to damages from accidents or water ingression.
  • Roadside assistance: Offers help in emergencies like breakdowns, flat tyres, or fuel shortages.
  • Return to invoice: Ensures reimbursement of the invoice value of your car in case of theft or total loss.
  • Personal accident cover: Extends coverage to passengers for accidents resulting in death or disability.
  • No-Claim Bonus protection: Safeguards your accumulated no-claim bonus in case of a claim, retaining the discount on your premium.
  • Consumables cover: Covers the cost of consumable items during repairs.
  • Key replacement cover: Provides coverage for the replacement cost of lost or stolen car keys.
  • Daily allowance benefit: Offers a daily allowance for alternate transportation expenses during repairs.
  • Invoice price cover: Ensures reimbursement of the invoice price of your car in case of total loss or theft, including registration and road tax.

How to buy/renew Tata Nexon car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Tata Nexon. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

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

Step 4

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 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Tata Nexon with a car insurance policy.

Car insurance claim process

Cashless claim process:

  • Notification: Inform your insurer about the incident through phone, website, or app.
  • Documentation: Provide relevant details to the authorities and capture photos of damages for documentation purposes.
  • Garage visit: Take your car to a network garage for assessment by a surveyor appointed by your insurer.
  • Assessment: The surveyor evaluates the damages and prepares a report to submit to the insurer.
  • Approval: Upon approval from the insurer, the network garage proceeds with the repairs.
  • Direct settlement: The insurer settles the repair bills directly with the garage, eliminating the need for upfront payment.

Reimbursement claim process:

  • Inform your insurer and register your claim.
  • Choose a garage for repairs and have a surveyor assess damages.
  • Pay for repairs and submit original bills and claim form to your insurer.
  • Your insurer reviews and reimburses your repair costs.

 

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy

Note: Check with your insurer in case you require more documents depending on the nature of the claim.

 

Frequently asked questions

What factors affect the Tata Nexon car insurance premium amount?

Factors affecting Tata Nexon car insurance premium are Car make, model, age, and variant, Insured Declared Value (IDV), Location, Policy add-ons, No Claim Bonus (NCB) discount.

How can I reduce my Tata Nexon insurance premium?

To reduce Tata Nexon insurance costs, retain NCB by paying for minor repairs, install ARAI anti-theft devices, compare premiums, maintain the car, read owner's manual, and check tyre pressure and brake fluid levels. Consider add-ons like key replacement, NCB protection, personal accident, consumables, zero depreciation, and engine protection covers to enhance coverage.

Will the insurer inspect my Tata Nexon car before renewal?

Whether your insurer conducts an inspection before renewal depends on their policies, your claim history, and the age of your car. While some may require an inspection, others offer hassle-free renewals.Top of Form

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler up to 1,500 CC. Premium may vary based on the specification of the vehicle.