Tata Sumo Car Insurance

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Car Insurance for Tata Sumo

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The Tata Sumo transformed the transportation sector of the country. The Utility Vehicle (UV) is popular as it is spacious, powerful, and priced affordably. For an excellent vehicle such as the Tata Sumo, the UV also requires a well-balanced motor insurance plan. Read ahead to know about Tata Sumo car insurance and the benefits of online insurance.

Benefits of buying online car insurance for Tata Sumo

Following are the reasons why you should buy online car insurance for Tata Sumo over offline insurance.

Paperless experience

When you buy vehicle insurance online, there is no physical paperwork or documentation exercise. All you have to do is provide a few details of the Tata Sumo and previous policy (if available), and you insure the vehicle instantly.

Comparison of plans

The online platform lets you browse through different insurance policies for the Tata Sumo. You can review the features, services, Tata Sumo insurance price, and add-ons. By understanding the terms and conditions, features, services, and add-ons, you are in a better position to buy the right insurance plan.

Super-fast procedure

Whether you want to buy or renew car insurance online, the procedure is faster and hassle-free. Gone are the lengthy and cumbersome procedures through the offline method. Provide a few details of the vehicle to insure it and receive the Tata Sumo insurance price instantly.

Types of Car Insurance Plans for Tata Sumo

Following are the two types of motor insurance for Tata Sumo.

Third-party car insurance policy

To protect yourself against financial loss arising from third-party liabilities and to adhere to The Motor Vehicles Act, 1988, you must insure the Tata Sumo at least with the Third-party Insurance Plan. It covers damages to the property of the third party or injury/death of the third party caused by the insured vehicle. Not insuring the Tata Sumo with this plan will lead to fines, as stated in the Act. While this policy covers third-party liabilities, this plan does not cover damages to the Tata Sumo.

Comprehensive car insurance policy

To protect yourself against financial loss arising from damages to the insured vehicle and third-party liabilities, you need to buy the comprehensive Tata Sumo insurance plan. The plan includes the Third-party Liability Plan and Own Damage insurance. While the former provides coverage against third-party liabilities, the latter provides coverage against damages to the insured vehicle. Additionally, this Tata Sumo insurance plan has the option to include various valuable add-ons to extend the coverage of the primary plan.

Inclusions: What’s covered in Tata Sumo car insurance?

Here are the coverage details of the Comprehensive Insurance Plan for Tata Sumo.

  • Damages to third-party property

  • Damages to the insured Tata Sumo

  • Third-party injury

  • Third-party death

  • Damages to Tata Sumo due to man-made calamities (riots, strikes, etc.)

  • Damages to Tata Sumo due to natural calamities (earthquakes, cyclones, etc.)

  • Theft of Tata Sumo

Note: It is compulsory to buy the Personal Accident (PA) cover as mandated by the Motor Vehicles Act, 1988. You can buy the cover while buying or renewing the car insurance policy. It provides coverage for the policyholder against permanent/temporary disabilities or death caused by accident.

Exclusions: What’s not covered in Tata Sumo car insurance?

Here are the reasons when the Comprehensive Insurance Plan will not provide financial protection.

  • Driving the Sumo in a negligent manner or for illegal racing

  • Driving the Sumo without valid documents (Driving License, Insurance Certificate, etc.)

  • Damages due to mechanical/electrical failure

  • Driving the Sumo under the influence of intoxicating substances

  • Damages due to usual wear and tear of parts

  • Damages incurred outside the specified geographical area

Add-ons for Tata Sumo car insurance

With the Comprehensive Car Insurance Policy, you have the option to include add-ons that extend the scope of the insurance plan. Here are the car insurance add-ons that you can buy.

Why ACKO?

Here are the benefits of ACKO car insurance for Tata Sumo.

Low-cost insurance policies

ACKO follows the direct-to-customer model; hence, there are no agents or middlemen. Additionally, with a digital infrastructure, the operational costs are lower. Thus, we can design low-cost insurance policies.

Pickup and drop services

In case of severe damages to your vehicle caused by an accident, ACKO will pick your vehicle, get it repaired at a garage and deliver it back to you in three working days. The service is available in select cities in the country.

Faster claim procedure

The procedure of raising a claim is faster with ACKO. All you have to do is access your account through the mobile app or website to file your claim without physical documentation. Our claim team will guide you through the necessary steps.

ACKO’s claim process

Here are the steps to submit your claim at ACKO.

  • Step 1: Log in with your mobile number on our website (www.acko.com) or mobile app.

  • Step 2: Select “Claim Now” against the policy card of the Tata Sumo.

  • Step 3: Share a few details of the damages to the vehicle and upload the picture of the damaged car to submit your claim.

ACKO may settle the claim within a few hours if the damages are smaller. The payment will be made through a cash transfer to your bank account. For severe damages, our claims team will help you with the next steps.

Frequently asked questions

Here are some of the commonly asked questions about car insurance for Tata Sumo.

FAQs

Which type of car insurance is suitable for Tata Sumo?

For broader coverage for Tata Sumo, you should consider buying the Comprehensive Insurance Plan since it comes bundled with the Third-party Liability Plan and Own Damage (OD) insurance. You also have the option to buy add-ons that extend the coverage.

How to buy car insurance for Tata Sumo from ACKO?

With no middlemen and a digital platform, you can buy car insurance for the Tata Sumo directly through ACKO’s website or the mobile app. You have to share the vehicle’s details and previous policy (if available) to insure the vehicle instantly.

What is the list of documents required to insure the Tata Sumo at ACKO?

At ACKO, there is no paperwork involved in the online car insurance renewal or while buying the insurance plan. The process is entirely paperless.

How to raise a claim against my Tata Sumo car insurance at ACKO?

The process is simple and easy. Access your ACKO account through the website or the mobile app. Select the policy card against the Tata Sumo car insurance and select “Claim Now”. You have to upload the picture of the damaged vehicle and the required documents to submit your claim.

About car insurance for Tata Sumo

Car insurance for Tata Sumo is crucial since it provides financial protection against third-party liabilities and damages/losses to your insured vehicle. While the government-mandated Third-party Liability Plan covers third-party injury or death or damages to their property, the Own Damage insurance provides coverage against damages or losses to the insured Tata Sumo. Damages to the insured vehicle include accidental damages, fire/explosion, natural or man-made calamities, or losses incurred due to vehicle theft or total loss of the vehicle.

Whether you want to protect yourself against third-party liabilities or damages to your Tata Sumo, it is crucial that you insure the vehicle. It is recommended that you purchase the Comprehensive Tata Car Insurance Plan since it comes bundled with the Third-party Liability Plan and Own Damage insurance.

Why should you buy the Tata Sumo?

The Tata Sumo is one of the best-selling vehicles of Tata Motors. The UV is a workhorse and still one of the most sought-after vehicles in rural areas. The Tata Sumo can easily ride over rugged terrain and absorbs bumps very easily. Apart from being spacious and a capable UV in harsh conditions, the vehicle is also affordable. 

The company has discontinued the Tata Sumo, and you can purchase a used vehicle in the market. If you are looking for a second-hand or used 8 to 9 seater UV at an affordable price, you can consider buying the Tata Sumo.

Specifications of Tata Sumo

Here are the specifications of Tata Sumo.

Details Specifications
Engine (cc) 2956
Power (BHP) 83.1 @3000 rpm
Torque (Nm) 250 @1600-2000 rpm
Gearbox Manual
Fuel Type Diesel
Seating Capacity 8 to 9
Fuel Tank Capacity (litres) 65

Ex-showroom price of Tata Sumo

Here is the Tata Sumo price (Tata Sumo is discontinued, and the price listed below is the last known ex-showroom price of the UV).

Vehicle Ex-Showroom Price
Tata Sumo Rs.5.80 lakhs onwards

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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