Tata Tigor Car Insurance

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

The Tata Tigor is a popular compact sedan from Tata Motors that boasts stylish design, spacious interiors, and advanced safety features. As an owner of Tata Tigor, ensuring its protection with car insurance is essential. Car insurance policies provide coverage for your Tata Tigor against various risks such as accidents, theft, natural calamities, and third-party liabilities, offering peace of mind to drivers on the road.

Tata Tigor car models and insurance price

Car insurance premiums vary based on different factors. 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. or an estimated third-party premium cost on your Tata Tigor car insurance, consult the table below.

Tata Tigor Variant

Third-Party Premium Rates (FY 23-24)

 

Tigor XE

Rs. 3,416*

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Tigor SM

Rs. 3,416*

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Tigor XZ

Rs. 3,416*

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Tigor XMA AMT

Rs. 3,416*

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Tigor XM CNG

Rs. 3,416*

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Tigor XZ Plus

Rs. 3,416*

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Tigor XZ CNG

Rs. 3,416*

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Tigor XZA Plus AMT

Rs. 3,416*

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Tigor XZA AMT CNG

Rs. 3,416*

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Tigor XZ Plus CNG

Rs. 3,416*

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Tigor XZA Plus AMT CNG

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: Despite unforeseen accidents, your Tata Tigor car is protected against damages with car insurance coverage.

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

Natural and man-made calamities: Your car insurance provides protection against a range of occurrences, including natural calamities like fire and earthquake, as well as man-made incidents such as vandalism or acts of terrorism.

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

Third-party liabilities: Your insurance policy 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

Additional coverage options, known as add-ons, can be purchased alongside a comprehensive car insurance policy for your Tata Tigor. 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.

How to buy/renew Tata Tigor 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 Tigor. 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 Tigor with a car insurance policy.

Car insurance claim process

Cashless claim process:

A cashless car insurance process allows for the repair of your Honda Amaze car without upfront payment at a network garage. Here's a step-by-step guide to the cashless car insurance claim process:

  • Gather information: Collect details about the accident, including the other driver's information, witness contact information, and photos of the damage.
  • Contact your insurance company: Notify your insurance company as soon as possible, ideally within 24 hours of the accident.
  • Speak with a claims specialist: Your insurance company will assign a claims specialist to your case who will guide you through the process and answer any questions you have.
  • Obtain a repair estimate: After your claims specialist has determined that your car is not totaled, you will receive an estimate for repairing your vehicle.
  • Schedule an inspection: An insurance adjuster will inspect your vehicle and determine if it can be repaired or if it is a total loss.
  • Check for rental car coverage: If you need a rental car while your car is being repaired, check if your policy includes rental reimbursement coverage.
  • Review your policy: Understand how your coverage will come into play and what your policy covers.
  • Keep track of paperwork: Hold on to all paperwork related to the accident, including receipts for towing or immediate services.
  • File a claim with your car insurance company: Contact your insurer as soon as possible and provide all necessary information.
  • Be prepared to wait: The claims process can take time, especially if there are injuries or property damage. Be patient and follow up with your insurer as needed.

Reimbursement claim process

You must first pay the repair fees and then go through the reimbursement claim process to get your insurance company to repay you.  Here's a step-by-step guide to the cashless car insurance claim process:

  • File a claim and notify your insurance provider of the incident.
  • If your car needs repairs, take it to the workshop or garage of your choosing.
  • Your insurer will send a surveyor to the garage to evaluate the damages.
  • A claim report will be written by the surveyor and sent to your insurance.
  • After fixing your automobile, the garage will give you a charge that you must pay.
  • Send a claim form and the original repair invoices to your insurance provider.
  • After reviewing the claim form and repair bills, your insurer will adjust the amount it pays for the repairs.

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 Tigor car insurance premium amount?

Several factors affect the insurance premium for your Tata Tigor car. These include car model, age, cubic capacity, fuel type, RTO location, Insured Declared Value (IDV), and claim history.

How can I reduce my Tata Tigor insurance premium?

To reduce Tata Tigor 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 Tigor car before renewal?

This depends on insurer policies, claim history, and car age. Some may require inspection, while others offer hassle-free renewals.

*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.

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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.