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Tata Car Insurance
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Tata Sons is a name that needs no introduction in the Indian markets. One of the most sought-after brands from the Indian soil, Tata is the first-ever automaker in the country to have introduced the market to hatchbacks and sedans, with its offerings like Tata Sumo and Indica. Considering the tough run that the automaker had been through, in the past decade, the automaker has made a considerable comeback with its latest line of offerings that include cars with a five-star NCAP rating.
Coming to the latest news around the automaker, Tata’s latest offering for the Indian segment, the iconic Tata Safari was revived to bring it under a rebadged design like the Harrier SUV. In recent stats carried out by Tata Motors, the automaker witnessed a massive surge in the sale of their Harrier by a whopping 190%, giving it a strong end for the year despite the pandemic. To sum it up, the product offerings by Tata are strong, durable, tech-laden, and cost-effective.
Best Known Car Models from Tata
Tata Tiago
The iconic hatch that gives a tough competition to Volkswagen and Honda’s likes in its segment, the Tiago is a car that picks up on aggressive styling. This premium-looking hatchback is engineered with strongly defined lines that run across the body. The starting price of the car stands at INR 4.7 lakhs (ex-showroom, New Delhi), available across eight petrol-based variants.
Tata Nexon
A stylish and elegant-looking compact SUV, the Nexon is Tata’s take on practical vehicles for the city. The car is loaded with features and offers a pleasant, comfortable drive with functionality and more driver-centric features. The automaker has done a great job keeping up with the streamlined appeal, offering the car at a price that starts at INR 7 lakhs (Ex-showroom Delhi).
Tata Altroz
One of the most unique-looking cars in the lineup, the Altroz takes up Tata’s design to a new level from the old-school to the modern marquee. The Altroz marked a new styling concept, apart from the Nexon and Tiago, starting at a base price of INR 5.44 lakhs (Ex-showroom Delhi).
Tata Harrier
One of the latest additions to the Tata lineup, the Harrier is an aggressive SUV that is big by all means. This seven-seater SUV carries some of the best in class features in the lineup and has its USP created around the Land Rover platform. Powered by a 2.0-litre turbo-diesel engine, the car is available in a whopping 25 variants and starts at INR 13.8 lakhs (Ex-showroom Delhi).
Tata Tigor
The Tata Tigor is a compact sedan packed with luxury features and shares similar styling cues as the Altroz. The car presents a solid build style and is powered by a 1.2L petrol engine available across six variants and starts at INR 5.35 lakhs (Ex-showroom Delhi).
What is Covered Under Tata Car Insurance Policy
Third-Party Losses: In the unfortunate event of third-party loss, your policy will take care of the legal and financial liabilities.
Damages Due to Accidents: If your car is damaged due to an accident, nothing to worry about as your car insurance policy got you covered.
Car Thefts: In case your car is stolen, your car insurance policy will look after the same.
Damages Caused in Fire: If your car catches fire, your car policy will pay for the damages.
Damages Due to Natural/Man-made Disaster: When flood, hurricane, hail storm, tornado, riots, etc attack your car, your insurance policy comes in handy.
Personal Accident: In case you meet with an accident that leads to injuries or unfortunately death, your policy will offer compensation of up to INR 15 lakh.
Note: You will have to buy PA Cover separately.
What is Not Covered Under Tata Car Insurance Policy
Drunken Driving: No car insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened.
Unauthorised Driving: Your claim will be rejected if the driver is without a valid Driver’s License.
Deliberate Accident: If the accident has been caused purposely, the claim will be rejected.
Consequential Damages: Consequential damages that are caused after the accident are not covered under insurance.
Negligence: An accident occurs because of your own negligence, you won’t be able to claim the damages.
Depreciation: Damages that are caused because of normal wear and tear, mechanical or electric failure due to travelling.
Expired policy: If the policy has lapsed, your damages will not be covered.
Excluded Add-Ons: You will not be able to claim the benefits that you do not have in your plan.
How to Renew Your Tata Car Insurance Policy
You can renew your Tata car insurance policy in 5 easy and quick steps.
Step 1 - Fill in your Name, Address, Mobile Number, Vehicle’s Make, Model, Variant, Registration Date & the city you drive in.
Step 2- Press ‘Get Quote’ and choose your choice of Plan (third-party liability car insurance, comprehensive add on car insurance, standalone own damage car insurance) or add-ons
Step 3 - Enter details of your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned
Step 4 - You will get a quote for your premium
Step 5- Make the final payment to renew your policy
Tata Car Reviews
Tata cars have made their rightful place in the heart of the Indian audience with their strong build and prices that are budget-friendly. Their strong styling cue and solid materials provide 5-star safety, which most automakers fail to provide on a budget. Further, the engines used in these cars are also very appealing and give out responsive handling to the occupants. Considering the aspects of styling, designing, comfort, and convenience, Tata’s cars are timeless and one of the best products available in the country in recent times.
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Tata Car Insurance FAQs
1. While I purchased my first ever car from Tata motors and went for its insurance, I came across the term IDV. My question is, what is IDV and what are the factors deciding IDV?
The IDV for your car is the Insured’s Declared Value (IDV) of the vehicle that gives out all the details around the ‘Sum Insured’. For the next part of your question, the IDV is based on the selling price of the car that the manufacturer listed and the model of the vehicle proposed for insurance.
2. I own third-party insurance for my Tata Tiago, and now that my car has had an accident, I want to know who decides the claim amount in a situation where a third-party suffered loss?
In such a scenario, a nominal amount is figured out by the damage caused in the accident, and the third-party insurer is liable to pay the amount after the civil court has decided the price in its sessions.
3. I had car insurance for my car that was active. However, the situation is that I have sold my old car. What will happen now?
When you sell your car, your existing insurance policy can be transferred in the buyer’s name by passing an endorsement for him/ her.