Tata Altroz Car Insurance

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After years of experimenting with various designs and innovations, Tata finally launched Altroz in January 2020, which can be described as one of their finest creations ever. A subcompact 5-door hatchback, Altroz can be classified as a SuperMini, as per European standards of vehicle sizes. The first glimpse of Tata Altroz appeared during the 89th Geneva International Motor Show in 2019, and very soon, an electric version of Altroz will be launched by 2021.

Key Specifications of Tata Altroz

With Altroz, Tata Motors have extensively focussed on three aspects: build-quality, safety and powerful performance, which has always been Tata Motor’s USP. When it comes to safety, then Altroz has set a new benchmark by becoming the 1st 100% Made in India hatchback car to have a 5-star safety rating from Global NCAP. 

Powered by Tata’s own Revotron engine series (which was first introduced in Zest and Bolt), the Petrol variant of Altroz has an engine capacity of 1199cc and 1497cc for diesel variant which has a Revotorq engine. Both the petrol and diesel engines are now available with turbocharged mode and multi-point fuel injection technology. 

While the normal 1.2L Revotron petrol engine gives max power of 86PS @ 6000RPM and max torque of 13Nm @ 3300 RPM, the 1.2L I-Turbo petrol engine has max power of 110PS @ 5500RPM and max torque of 140Nm@1500-5500RPM. Whereas, 1.5L Turbocharged Revotorq Diesel engine has max power of 90PS@4000RPM and max torque of 200Nm@1250-3000RPM.

Some of the Top-rated Features of Tata Altroz:

  • 5-speed manual transmission with no automatic option as of now
  • Length x Width x Height is 3990 nm x 1755 nm x 1523 nm
  • 165 nm ground clearance with 5.0m minimum turning radius
  • There exist 27 connected car features
  • The platform is based on Alpha Architecture for more safety

What is Covered Under Tata Altroz 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 Tata 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 Altroz 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 Altroz Car Insurance Policy

You can renew your Tata Altroz 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 Altroz Review

Aggressively priced at INR 5.69 lakhs for petrol base variant, and INR 6.99 lakhs for diesel base variant (Ex-showroom, New Delhi), Tata Altroz has been appreciated for its solid build quality, incredible safety features and futuristic technology which gives a whole new dimension to this subcompact hatchback. The Made in India engines (both petrol and diesel) will provide a superb driving experience, and the long rides on the highways can be both punchy and fuel-efficient. 

The vast difference in price points of petrol and diesel variants is a sore point, which Tata Motors failed to gauge. Besides, the 1.2 L petrol engine can feel underpowered in some terrains like hills and especially felt while overtaking on the highway. The absence of automatic variants is also surprising. 

Tata Altroz Car Insurance FAQs

  • 1. I bought a second-hand car. Now, what is the logic behind transferring the car insurance from the old owner to my name? Is it mandatory?

    No, it’s not mandatory for you to transfer the insurance policy, but it’s mandatory to have at least 3rd party insurance. In case you meet with an accident, there will be no coverage for 3rd party or 1st party, if you don’t have the insurance in your name. 

  • 2. What is the most important document for transferring a car insurance policy from the old owner to the new owner?

    The new registration papers are the most important document. Always remember that while claiming insurance money, the name and address on the car registration paper should be the same as that on the insurance policy documents. 

  • 3. How to get a higher No Claim Bonus?

    No Claim Bonus or NCB is a reward from insurance companies to safe drivers, for not claiming any insurance money during a tenure. From 20% to 50% NCB can be availed while renewing the next insurance tenure. To increase your NCB, the only option is to not claim insurance for a longer duration. 

  • 4. Can NCB be transferred from one insurance company to another?

    Yes, definitely. If you are canceling insurance from company A, ask for an NCB certificate, which can be shown to the new insurance company B, and the NCB can be transferred. 

  • 5. My cousin sent me a link to an online car insurance company, which is offering me several discounts. Is this even valid? I always believed in real insurance agents whom you can meet and ask questions!

    Always check if the insurance provider is affiliated with IRDAI or not. If yes, then it doesn’t matter how you buy the insurance: both online and offline modes are acceptable. However, you will get better deals and discounts online, if you compare multiple insurance companies. 

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