Tata Car Insurance

So you own a Tata Car? Hats off just to that!

Planning to renew the insurance of your good old Tata Indica or looking for the best car insurance for your brand new Tata Aria – you’ve landed in just the right place.

Let’s dive into the car insurance basics for your Tata car.

Understanding Tata Car Insurance

Must-know Coverage for Your Tata Car

You can get following kinds of insurance policies for your Tata Car:

Third-Party Car InsuranceComprehensive Car Insurance
Only covers third-party injuries and damages, and not those to your own vehicle.Gives third-party policy + coverage for losses and damages to your own car
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Tata car?
Additional coverage like bumper-to-bumper cover, engine protector is NOT available.Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.

Why You Should Insure Your Tata Car?

Most Tata cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:

  • Be sure that you’re rightfully compensated if your Tata car was stolen or damaged beyond repairs.
  • Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
  • Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
  • Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!

Good-to-Have Insurance Add-ons for Tata Cars

  • Zero Depreciation Cover:

Irrespective of the model of Tata you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

  • Return to Invoice Cover:

So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.

  • Engine Protector Cover:

A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover you could claim for those damages too. Whether you own a high-end car like Tata Xenon or Tata Safari Storme or regular hatchback like Tata Bolt or Tata Nano, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.

  • No-claim Bonus Protector Cover:

If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Tata cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.

  • Passenger Cover:

This personal accident cover for passenger is a must-buy for any Tata car owner. A lower end model of Tata may not come with safety features like airbags or child safety locks. If you use your Tata car to drive your family on a daily basis, it makes sense to buy this add-on.

A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Tata you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things a Car Insurance Covers For Any Tata Car

  • Personal accident coverage for owner-driver
  • Accident-related damages to your car
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen car

Things a Car Insurance Does Not Cover For Any Tata Car

  • Wear and tear caused over the years [including flat tyres]
  • Losses caused when the car was driven without a driving license
  • Damages caused when the car was being driven under the influence of alcohol
  • Driving outside the geographical limits
  • If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Tata Insurance

How can I renew my Tata Insurance online?

Your Tata Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered

The car insurance of my Tata Xenon has already expired. Is vehicle inspection mandatory?

Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.

Is an online insurance policy valid for car?

Of course it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

How do I get no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.

At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.

All vehicle Type NCB Grid% of discount on own damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive car insurance?

The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Tata car.

Models Manufactured by Tata: Which One Do You Drive?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Tata TiagoXZ Revotron119923.84841012499,000 to 534,000
Tata TiagoXB Revotron119923.84841020324,000 to 346,000
Tata TiagoXE Revotron119923.84841025380,000 to 406,000
Tata TiagoXE Revotron (O)119923.84841020398,000 to 425,000
Tata TiagoXB Revotorq104727.28841020399,000 to 426,000
Tata TiagoXM Revotron119923.84841025411,000 to 439,000
Tata TiagoXM Revotron (O)119923.84841012429,000 to 459,000
Tata TiagoXT Revotron119923.84841012442,000 to 472,000
Tata TiagoXE Revotorq104727.28841020450,000 to 480,000
Tata TiagoXT Revotron (O)119923.84841012460,000 to 495,000
Tata TiagoXE Revotorq (O)104727.28841020468,000 to 505,000
Tata Tiago1.2 Revotron XZ WO Alloy119923.84841020482,000 to 520,000
Tata TiagoXM Revotorq104727.28841050491,000 to 530,000
Tata TiagoXM Revotorq (O)104727.28841050509,000 to 545,000
Tata TiagoXT Revotorq104727.28841075522,000 to 560,000
Tata Tiago1.2 Revotron XZA119923.84841110540,000 to 578,000
Tata TiagoXT Revotorq (O)104727.28841015540,000 to 578,000
Tata Tiago1.05 Revotorq XZ WO Alloy104727.28841015561,000 to 605,000
Tata TiagoXZ Revotorq104727.28841015578,000 to 618,000
Tata NanoXT62423.0937.5735281,000 to 305,000
Tata NanoXE62423.0937.5695225,000 to 241,000
Tata NanoXM62423.0937.5725261,000 to 279,000
Tata NanoCNG XM6243632.5745284,000 to 305,000
Tata NanoXMA62421.0937.5755302,000 to 330,000
Tata NanoXTA62421.0937.5765322,000 to 350,000
Tata BoltXMS Petrol119317.5788.71115567,000 to 610,000
Tata BoltXE Petrol119317.5788.71095473,000 to 510,000
Tata BoltXM Petrol119317.5788.71105544,000 to 585,000
Tata BoltXE Diesel124822.95741132589,000 to 650,000
Tata BoltXT Petrol119317.5788.71125627,000 to 680,000
Tata BoltXM Diesel124822.95741132635,000 to 690,000
Tata BoltXMS Diesel124822.95741152671,000 to 720,000
Tata BoltXT Diesel124822.95741160738,000 to 790,000
Tata IndicaeV2 DLS BSIII140517.8848.211080478,000 to 515,000
Tata IndicaLS (D)139625691080508,000 to 550,000
Tata IndicaDLX BSIII140517.8848.211080516,000 to 570,000
Tata IndicaLX (D)139625691080556,000 to 610,000
Tata ZestXM Petrol119317.5788.71115590,000 to 650,000
Tata ZestXE Petrol119317.5788.71115524,000 to 570,000
Tata ZestXMS Petrol119317.5788.71115610,000 to 660,000
Tata ZestXE 75 PS Diesel124822.95741152627,000 to 690,000
Tata ZestXT Petrol119317.5788.71115669,000 to 725,000
Tata ZestQuadrajet 1.3 75PS XM124822.95741155701,000 to 780,000
Tata ZestQuadrajet 1.3 75PS XMS124822.95741155728,000 to 799,000
Tata ZestXMA Diesel124821.5888.71170748,000 to 810,000
Tata ZestXT Diesel124820.6588.71155788,000 to 850,000
Tata ZestXTA Quadrajet 90PS Diesel124821.5888.71155868,000 to 925,000
Tata IndigoeCS LX CR4 BS4139625691105626,000 to 690,000
Tata IndigoEmax CNG GLS119324.655.231105506,000 to 550,000
Tata IndigoeGLS BS IV119315.6464.11070506,000 to 550,000
Tata IndigoLS TDI BS3140519.0969.011095582,000 to 630,000
Tata IndigoLS CR4 BS413962569.011110607,000 to 660,000
Tata IndigoLX TDI BS3140519.0969.011095617,000 to 685,000
Tata IndigoVX CR4 BS413962569.011110625,000 to 690,000
Tata HexaXM217917.6153.8621501,385,000 to 1,481,000
Tata HexaXE217917.614721501,199,000 to 1,282,000
Tata HexaXMA217917.6153.8622801,505,000 to 1,610,000
Tata HexaXT217917.6153.8622801,620,000 to 1,755,000
Tata HexaXTA217917.6153.8622801,740,000 to 1,861,000
Tata HexaXT 4X4217917.6153.8622801,749,000 to 1,881,000
Tata Safari StormeVX 4x2 Varicor 400217914.0115420001,411,000 to 1,550,000
Tata Safari StormeLX 4x2217914.0114820001,064,000 to 1,140,000
Tata Safari StormeEX 4x2217914.0114820001,252,000 to 1,345,000
Tata Safari StormeVX 4x4 Varicor 400217914.0115420501,563,000 to 1,672,000
Tata SafariDICOR 2.2 EX 4x2 BS IV217913.9313819201,102,000 to 1,205,000
Tata SumoGold EX295615.383.81800795,000 to 850,000
Tata XenonXT EX 4X2217913.49138.031900996,000 to 1,065,000
Tata XenonEX 4X4217913.4138.0319001,099,000 to 1,175,000
Tata AriaPure LX219714.514027201,232,000 to 1,318,000
Tata AriaPleasure 4x2217915.05147.927201,452,000 to 1,550,000
Tata AriaPride Leather217915.05147.927201,757,000 to 1,880,000
Tata Tigor1.2 Revotron XE119920.03841035470,000 to 510,000
Tata Tigor1.2 Revotron XT119920.03841045541,000 to 605,000
Tata Tigor1.05 Revotorq XE104724.7691100560,000 to 625,000
Tata Tigor1.2 Revotron XZ119920.03841052590,000 to 650,000
Tata Tigor1.2 Revotron XZ Option119920.03841062619,000 to 678,000
Tata Tigor1.05 Revotorq XT104724.7691110631,000 to 695,000
Tata Tigor1.05 Revotorq XZ104724.7691120680,000 to 727,000
Tata Tigor1.05 Revotorq XZ Option104724.7691130709,000 to 758,000