Tata Tiago NRG Car Insurance

Secure comprehensive car insurance for your Tata Tiago NRG. Compare quotes, choose the right plan, and enjoy peace of mind. Get instant online insurance quotes and policies.
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3 min
09-August-2024
The Tata Tiago NRG is a rugged, urban crossover variant of the popular Tata Tiago hatchback. Known for its sporty design and enhanced ground clearance, the Tiago NRG is designed to tackle both city streets and rougher terrains. Given its unique features and capabilities, securing the right car insurance for your Tata Tiago NRG is essential to protect against unforeseen damages and liabilities.

What is Tata Tiago NRG car insurance?

Tata Tiago NRG car insurance is a policy designed specifically to cover the risks associated with owning and operating a Tata Tiago NRG. This insurance provides financial protection against damages due to accidents, theft, natural disasters, and third-party liabilities. By purchasing Tata Tiago NRG car insurance, you ensure that any unexpected expenses are covered, keeping your vehicle and finances secure.

Why choose Tata Tiago NRG car insurance?

Choosing Tata Tiago NRG car insurance offers several advantages. It provides extensive coverage tailored to the specific needs of your vehicle, ensuring maximum protection. With the right insurance, you can benefit from:

  • Financial protection: Covers repair or replacement costs in case of accidents, theft, or damage.
  • Legal liability: Protects you from third-party claims arising from accidents.
  • Comprehensive coverage: Offers protection against a wide range of risks.
  • Peace of mind: Provides financial security and reduces worries.

Types of Tata Tiago NRG car insurance policies

There are different types of car insurance policies available for the Tata Tiago NRG:

Insurance typeCoverage details
Third-party liabilityMandatory by law, this policy covers damages to third-party property and injuries to third parties.
Own damage insuranceCovers damages to your own vehicle due to accidents.
Comprehensive insuranceCovers third-party liabilities and damages to your own vehicle due to accidents, theft, fire, and natural disasters.
Personal accident coverProvides coverage for the driver/owner in case of accidents.


Tata Tiago NRG car models and insurance price

For an estimated third-party premium cost on your Tata Tiago NRG car insurance, consult the table below. Premiums differ based on the chosen variant of the vehicle. The own damage insurance premium is determined by the insurer, considering factors like cubic capacity (CC), make, model, variant, fuel type, RTO location, claim history, and various other factors.

Tata Tiago NRG VariantThird-Party Premium Rates (FY 23-24)
Tiago NRG XTRs. 3,416*Get Quote
Tiago NRG XZRs. 3,416*Get Quote
Tiago NRG XT CNGRs. 3,416*Get Quote
Tiago NRG XZA AMTRs. 3,416*Get Quote
Tiago NRG XZ CNGRs. 3,416*Get Quote
Tiago NRG XZA AMT CNGRs. 3,416*Get Quote


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 features and benefits of Tata Tiago NRG car insurance

Tata Tiago NRG car insurance policies come with numerous features and benefits:

  • Cashless repairs: Avail of cashless repair services at network garages.
  • No Claim Bonus (NCB): Enjoy discounts on premiums for claim-free years.
  • Roadside assistance: Get help during breakdowns, flat tires, or battery issues.
  • Personal accident cover: Provides financial support for injuries to the driver/owner.
  • Third-party liability cover: Protects against legal liabilities to third parties.
  • Add-on covers: Customise your policy with add-ons like zero depreciation, engine protection, and more.

Car insurance add-ons you can consider

Additional coverage options, known as add-ons, can be purchased alongside a comprehensive car insurance policy for your Tata Tiago NRG. Here are some of the add-ons available for purchase:

  • Zero depreciation cover: Ensures full reimbursement for repairs without factoring in depreciation during claim settlements.
  • Engine protection cover: Provides coverage for the repair or replacement of the engine in the event of damages caused by accidents or water ingression.
  • Roadside assistance: Offers aid in emergencies such as breakdowns, flat tires, fuel shortages, or towing services.
  • Return to invoice: Guarantees reimbursement of the invoice value of your car in case of theft or total loss.
  • Personal accident cover: Extends coverage to passengers in the vehicle, providing financial protection in case of accidents resulting in death or disability.
  • No-Claim Bonus protection: Safeguards your accumulated no-claim bonus in the event of a claim, allowing you to retain the discount on your premium.
  • Consumables cover: Covers the cost of consumable items such as engine oil, coolant, nuts, bolts, etc., during repairs.
  • Key replacement cover: Provides coverage for the replacement cost of lost or stolen car keys, including locksmith charges.
  • Daily allowance benefit: Offers a daily allowance for alternate transportation expenses while your car is undergoing 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.

Car insurance claim process

Cashless claim process:

A cashless car insurance process simplifies the repair of your Tata Tiago NRG car by eliminating the need for upfront payment at a network garage. Here's a step-by-step guide to the cashless car insurance claim process:

  • Inform your insurance company about the accident or incident through phone, website, or mobile app.
  • Provide all relevant details of the incident to the authorities, particularly if it involves accidents, theft, or fire. File an FIR if required.
  • Take photographs of the damages to your insured car and any bodily injuries sustained immediately after the incident to serve as evidence during the claim process.
  • Find the nearest network garage and take your car there for cashless repairs. If your vehicle is stalled due to damage, contact your insurer for towing assistance.
  • Once at the garage, a surveyor from your insurance company will assess the damage. Ensure you have all necessary documents such as your car registration certificate, driving license, and FIR available for inspection.
  • The surveyor will evaluate the claim amount and prepare a report to submit to your insurer. Your insurer will then either approve or reject the claim based on the surveyor's findings.
  • Upon approval, the network garage will proceed with the repairs. Once the repairs are completed, your insurer will settle the bills directly with the garage.

Reimbursement claim process

The reimbursement claim process requires you to initially pay for the repair bills and later seek reimbursement from your insurer. Below is the reimbursement car insurance claim process for your car:

  • Inform your insurance company about the incident and register your claim.
  • Take your car to a workshop or garage of your choice for repairs.
  • A surveyor appointed by your insurer will assess the damages at the garage.
  • The surveyor will prepare and submit a claim report to your insurer.
  • The garage will repair your car and provide you with a bill, which you will need to pay.
  • Submit the original repair bills along with a claim form to your insurance company.
  • Your insurer will review the repair bills and claim form and reimburse your repair costs accordingly.Top of Form

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.

Choosing the right car insurance for your Tata Tiago NRG is crucial for protecting yourself and your vehicle against unforeseen risks. This guide provides a comprehensive overview of the available policies, their benefits, and how to buy and renew them. Ensure you select a policy that best fits your needs to enjoy a hassle-free driving experience.

Frequently asked questions

What does comprehensive car insurance cover for Tata Tiago NRG?
Comprehensive car insurance covers damages to your Tata Tiago NRG due to accidents, theft, fire, natural calamities, and third-party liabilities.

What is a No Claim Bonus (NCB)?
A No Claim Bonus (NCB) is a discount on the insurance premium awarded for each claim-free year, incentivising safe driving and fewer claims.

Is roadside assistance included in the policy for Tata Tiago NRG?
Yes, many Tata Tiago NRG car insurance policies include roadside assistance, offering support during breakdowns, flat tires, or other emergencies.

How do I make a claim if my car is stolen for Tata Tiago NRG?
To make a claim for a stolen Tata Tiago NRG, file an FIR, notify your insurer, submit necessary documents, and follow the insurer’s claim process for theft.

How is the premium for car insurance calculated?
The premium is calculated based on factors like the car’s make and model, age, location, type of coverage, and any add-ons chosen.

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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 above 1,500 CC. Premium may vary based on the specification of the vehicle.

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