Car Insurance For Tata Car

There's nothing better than driving and exploring new destinations in your Tata car. However, to ensure your drive is always secure, a Tata car insurance policy is not just important but essential!

Reliance General Insurance offers a wide range of Tata car insurance plans with flexible features catering to the diverse needs of car owners.

If you have been looking for a Tata car insurance plan with extensive coverage at an affordable rate, you have found it here! Explore our Tata Motors insurance options and secure your every drive with a perfect financial shield.

Why do you Need a Tata Cars Insurance Policy?

• Third-Party Insurance is a Legal Requirement

  To comply with the Motor Vehicles Act of 1988, car owners in India are required to have third-party liability car insurance, regardless of their vehicle's make and model.

  With this insurance, you are protected against third-party legal liabilities incurred due to your insured Tata car, including third-party injuries, death and property damage.

• Coverage Against Damages to Your Insured Vehicle

  With an own damage cover in your Tata car insurance policy, you can financially secure your Tata car against unforeseen accidents, natural disasters, such as floods, earthquakes and hailstorms, and man-made calamities like acts of terrorism and riots. It also covers inundation, thefts, self-ignition, fires, explosions and other unfortunate incidents.

• Saves Money Later​

  When your Tata car suffers losses/damages due to unpredictable events, the consequential repair/replacement costs can put a dent in your finances. You can save yourself and your family from such hefty expenses in the future by directing a small amount towards Tata car insurance premiums.

• Time-Saving and Offers Peace of Mind

  In the aftermath of an accident, you must complete various tedious and time-consuming processes like getting the insured car repaired and resolving the matter with the third party involved. Simply file an insurance claim, and we will assist you with essential tasks, reducing the financial burden and offering peace of mind.
  

Reliance General Insurance - Features and Benefits of Tata Car Insurance

• ​Affordable Premiums

  At Reliance General Insurance, you can buy Tata car insurance with premiums starting at just ₹238/month*. You can utilise our Car Insurance Calculator to compare the different options and determine the most suitable and affordable car insurance plan.

• Discounts

  We offer discounts for installing anti-theft devices, Automobile Association Membership and voluntary deductibles. By buying online, you can get a discount of up to 90%* on premiums.

• Comprehensive Car Insurance Plan

  With a Tata car insurance policy, you can secure your car against a wide range of potential risks, including accidents, theft, fire and third-party liabilities.

• Third-P​​​arty Liability Coverage

  Our third-party liability insurance covers legal and financial implications related to injuries or damages caused to a third-party person or property by your insured car.

• Flexibil​​​ity

  You can personalise your Tata car insurance policy by deciding the type of car insurance plan required, IDV, optional add-ons, and policy duration. Check out our long-term car insurance policy online.

• Various ​​Add-ons and Additional Covers

  To enhance the coverage of your car insurance policy based on your specific requirements, our Tata car insurance features a wide range of optional add-ons, such as Nil Depreciation and Roadside Assistance.

• Pay-As-Y​​ou Drive Car Insurance

  With our Pay-As-You-Drive cover, you can pay for coverage based only on the extent of distance you would drive in a year.

• Personal Accident​​ Cover

  With a Tata car insurance plan, you can also ensure financial protection to the owner-driver in the event of accidental death or permanent disability of up to ₹15 lakhs.

• Cashless Re​​pairs

  We have established a network of over 10,000 cashless garages nationwide to ensure convenient and quality repair services.

• Seamless Claim​ Processes

  We facilitate a quick and hassle-free claim process online with transparent video claims and real-time tracking.

• High Claim S​ettlement Ratio

  For FY 2023 -24, we have achieved a high claim settlement ratio of 100%.

• Round the Clock​ Assistance

  Our customer support team provides 24/7 support and is dedicated to addressing your queries promptly.
  

Types of Tata Car Insurance Plans

• Third-Party Car Insurance P​​olicy

  A third-party policy, also known as an act-only or liability-only policy, is a legal mandate for car owners in India to drive their four-wheelers.  It covers the legal and financial liabilities when the third party seeks compensation for any injury or damage to their property in an accident due to your insured car.

• Standalone Own Dam​​age Car Insurance Policy

  A standalone, own-damage car insurance policy is exclusively designed to cover the damages incurred to your own Tata car due to various reasons, such as accidents, fire, theft and natural and man-made calamities. It offers extensive coverage and can be customised with the different types of optional add-ons.

• Comprehensive Car Insu​rance Policy

  A comprehensive car insurance policy offers holistic financial protection that includes coverage for third-party liabilities and own damages. In addition, you can enhance the coverage of the comprehensive car insurance plan by including optional add-ons and additional covers.

• Pay As You Drive Insu​​rance
  

  This is a usage-based car insurance policy that lets you pay for the kilometres you've opted to drive for rather than a flat rate. So, if you drive less, you pay less!​

  You start with a minimum limit of 2,500 km and increase in multiples of 1,000 km with grace kilometres of 125 km. You can also carry forward any unused kilometres.

How to Buy Tata ​​Car Insurance Online and Offline?

Tata Car Insurance Onl​ine Process

• Step 1: Visit our official Car Insurance Online page. Type in the required details, such as your Tata car's registration number, mobile number and Email ID.

• Step 2: Click on 'View Prices' and check your Tata car details.

• Step 3: Select the preferred type of car insurance policy and pick the add-on covers of your choice (total cover, zero depreciation cover, engine protection cover, NCB retention cover, etc).

• Step 4: Decide on the IDV and choose a suitable Tata Motors car insurance policy. Click on 'Buy Now', enter other essential personal details, and upload all the supporting documents.

• Step 5: Pay the insurance premium and applicable service tax using a debit/credit card, internet banking or any other online payment mode.

Offline Process

• Step 1: Locate and visit any of our nearest branch offices using our Branch Locator.

• Step 2: Approach one of our on-site representatives and provide details of your Tata car. They will explain the various types of car insurance policies, add-ons, additional covers and available discounts.

• Step 3: Compare the options based on their features and benefits to choose a suitable Tata car insurance plan.

• Step 4: Complete the application form, pay the applicable premium and receive your Tata Motors insurance policy almost instantly.

How to Renew Tata Car Insurance ​Online?

• Step 1: Visit our official Car Insurance Online page.

• Step 2: Choose 'Renew Car Insurance' under the 'Renewal' tab for Tata car insurance renewal.

• Step 3: Provide your policy number, car registration number, and other details requested on the website and click on 'Go.'

• Step 4: Review the policy details and modify them if necessary by choosing add-ons, optional covers or available discounts.

• Step 5: To renew your Tata Motors car insurance, pay the premium via internet banking, debit/credit card or any other online payment method as applicable.

How to Buy Insurance for a Second-Hand Tata Motors Car?

• Vehicle Ins​​p​ection
  

  Carefully assess the car's condition by examining various parts and factoring in their depreciation to determine the appropriate Insured Declared Value (IDV).

• Gather the Esse​​ntial Documents

  Gather the essential documents, such as the registration certificate, and ensure they are transferred to your name from the previous owner.

• Purchase Car Insur​​ance

  Move on to buy the car insurance policy online or offline. We might also conduct a thorough examination of the vehicle's condition, taking into account its different components to approve coverage and suggest suitable options.

You can compare the options and decide on the best second-hand car insurance policy for your Tata car.

Also Read: How to Transfer Car Insurance while Buying A Second-Hand Car​

Tata Car Insurance - Inclusions and Exclusio​​ns

Tata Car Insurance Incl​​usions

Tata Car Insurance Exclus​​ions

Add-Ons for Tata Car Insu​​rance

At Reliance General Insurance, we offer different types of optional add-ons to enhance the coverage of your Tata car insurance policy.

Here is a list of the optional add-on covers applicable to own damage and comprehensive car insurance policies:

• Pay-As-You-Drive Car Ins​urance

  This cover adjusts your premium amount based on usage statistics, i.e., the distance travelled.

• Nil Depreciation or Bu​​mper-to-Bumper Insurance

  Covers the depreciation cost during claims.

• 24x7 Roadside Ass​istance

  Offer emergency roadside assistance in the event of vehicular breakdowns.

• Engine Protection ​​Cover

  Offer coverage for damaged engine parts and replacement of the engine as well.

• Return-to-Invoi​​ce Cover

  Reimburses the total invoice amount in case of total loss due to accidents or theft.

• Total C​​over
  

  Offers full on-road price of your Tata car, including road tax, premiums paid and registration charges in case of total loss.

• EMI Protecti​​on Cover

  Cover EMI loan payments if car repairs exceed 21 days.

• NCB Retent​​ion Cover

  Allows you to retain accrued NCB discount for up to two claims.

• Daily Allowance Be​​nefit

  Offer allowance for daily transport when your car is under repair for a specific number of days.

• RIM Prote​​ction

  Offer coverage for damage and loss to the car's rim.

• Tyre Protecti​​on Cover

  Offers coverage for the repair and replacement of car tyres due to accidental damage and wear and tear.

• Consumabl​​es Expenses

  Cover replacement cost of consumables like nuts, bolts, grease, lubricant, etc.

• Loss of Pers​​onal Belongings

  Offers compensation for valuables like laptops and smartphones up to a specific amount in case of theft.

• Geo Ex​tension

  Extends Tata car insurance coverage to additional countries like Pakistan, Nepal, etc., for those who drive their car outside India's geographical borders.

• Electrical Acc​essories​

  Covers damage or theft of custom-installed electrical components like audio systems and navigation units.

• Non-E​​lectrical Accessories

  Covers damage or theft of non-electrical fittings like seat covers, alloy wheels, etc.

• Key Replacemen​t Cover

Covers the costs associated with replacing lost or stolen keys. It will also cover lock replacement costs if needed.

• Emergency Hotel A​​ccommodation​

  Offer financial support for hotel accommodations in case your car is unusable and stranded more than 200km from your home.
  

At Reliance, we also offer EV-specific add-ons, such as battery protection, Vehicle Charger cover, etc., for electric cars.

Steps to Claim Tata Car Insuranc​e Policy

Tata Car Insurance Claim Process for Cas​hless Claims

• Step 1 - Inform us about the accident by calling our paid helpline number - +91 22 48903009 or using the Reliance Self-i app to start your cashless car insurance process.

• Step 2 - Collect information about the third party involved in the accident, including their vehicle number and contact details.

• Step 3 - Go to the nearest police station to register a First Information Report (FIR) about the accident, if applicable. Keep a copy of the FIR with you.

• Step 4 - Move the car to a network garage for repair. At the garage, the vehicle undergoes an inspection.

• Step 5 - Submit the claim form and the supporting documents to the surveyor. The garage then gives us an estimate of the repair work. Upon our approval, the repair work starts.

• Step 6 - The garage will send the repair bills and we will settle the applicable amount directly with them. You only have to cover the depreciation and deductible.

Tata Motors Insurance Claim Pro​cess for Reimbursement Claims

• Step 1 - Follow steps 1 to 3 mentioned earlier to start your reimbursement car insurance process.

• Step 2 - Shift the damaged car to a garage of your choice for repair.

• Step 3 - Clear the repair bills with the garage.

• Step 4 - Inform us about the repairs, submit the claim form, and send the original bills and receipts for reimbursement. We will reimburse you for the applicable expenses after evaluating them.
  

You can also check the status of your claim by providing the claim or policy number online.

Please Note: Payments for repairs on uninsured parts, depreciation and deductibles, unless included by an add-on cover, will not be covered under the claim.

Documents Required for Tata Car In​surance Claim

• Duly filled and signed claim form.

• Your Tata car insurance policy

• Copy of Registration Certificate

• Proof of Identity and Address

• An FIR copy, if applicable

• Medical receipts for Personal Accident Cover

• A copy of the driving licence of the person operating the car at the time of the accident

• The original repair invoice and payment receipt (the former suffices if it's a cashless claim)

• The original tax receipt

• Repair estimates and bills

• A garage-issued Claims Discharge Cum Satisfaction Voucher that has your signature across a revenue stamp (if the insurer must directly pay the garage)
  

Here is the full list of car insurance claim documents and requirements.

Tata Car Insurance: Cashless vs. Reimbursement Claim Pro​​​cess

Car Insurance Premium for Tata Car ​​Models

Third-party car insurance premium is based on the engine's cubic capacity and determined by the Insurance Regulatory and Development Authority of India (IRDAI).

The Tata car insurance premium for own damage and comprehensive car insurance is unique for every car and is based on several factors. Here are some of the most important factors:

• Insured Declared Val​​ue (IDV)

  The IDV refers to the compensation that you will receive in the case of a total loss of your Tata car. It is determined by subtracting the applicable from your Tata car's current market value. If your car is new, the IDV is comparatively higher, leading to a higher premium for your Tata car insurance policy.

• ​Add-ons and Additio​​nal Covers

  Optional add-on covers enhance the coverage of your Tata car insurance plan at an additional cost. The type and the number of add-ons chosen will significantly impact your Tata auto insurance premium.

• Specifications and Acces​​sories

  Your car's specifications, including make and model, type of fuel, engine cubic capacity, and the additional accessories installed, such as anti-theft devices, affect the Tata car insurance premium.  

• No Claim Bonus (N​​CB)

  NCB refers to a discount applicable to the premium rate for every claim-free year. The No Claim Bonus can be accumulated for up to 5 years to receive a maximum discount of 50%.

• Other Fa​​ctors​

  Other factors, such as your age, driving record, frequency and extent of usage and voluntary deductibles, can also impact the Tata car insurance price, which is specific to individual circumstances.

How to Calculate Tata Car In​​surance Premiums?

The best and simplest way to calculate the premium for your Tata car insurance is to use our online Car Insurance Calculator.

Here are a few simple steps that you need to follow:

• Provide your car's registration number with your mobile number and Email address

• Review your car details and make the necessary modifications if applicable.

• Decide the plan option, add-ons, and additional covers required, and avail yourself of applicable discounts.

• The final premium quote applicable to your choice of requirements will be calculated and displayed on the screen.

Third-Party Car Insurance Pre​​mium

The IRDAI decides the premium for third-party car insurance plans based on the vehicle's engine cubic capacity and declares them annually. It increases with the increase in the cubic capacity.

Here is a detail about the current premium rates for standard and electric cars:

For Standard Cars

For Electric ​Cars

Tata Motors - Overview and U​​SPs

Tata Motors is India's ​​leading vehicle manufacturer, with a presence in 125 countries worldwide.

Here's why Tata Motors le​ads the way:

• Drive sustainable mobility solutions.

• Understand emerging trends and next-generation technologies to engineer solutions.

• Create unique and human-centric designs.

• Transform multiple technology trends and evolving landscapes to gain a competitive advantage.

• Beyond vehicles and services, Quality is simply the way of life at Tata Motors.

• Exclusive variants in the passenger vehicles segment include compact sedans, hatchbacks, compact SUVs and SUVs.

• Remarkable products under the electric and luxury vehicle segment.

Tata Motors Car ​​Models and Prices

**Prices are indicative, may vary by city, and are subject to change.

Tata Car Models for Which Reliance General Insurance Offers Car Insurance

Frequently Asked Question​s (FAQs)

• Which insurance i​​s best for Tata cars?

  The best insurance policy for your Tata car depends on various specific factors related to your car, such as usage, extent of financial protection needed and affordability. Some of the common factors include the location, type of car insurance policy, IDV, add-ons chosen and car specifications.

  If you seek basic coverage as you drive less, third-party car insurance would suffice. On the other hand, if you are a long-distance traveller, you can consider buying comprehensive car insurance with add-ons such as roadside assistance and pay-as-you-drive insurance.

• Which company is b​​est for car insurance?

  The company best for your car insurance policy should be decided based on your specific requirements and how well they meet them with their range of plan options, flexible features, benefits and add-ons. In addition, you can check their reliability by considering their claim settlement ratio, ease of claim process and customer support.

• What are the benefi​​ts of purchasing​​ car insurance online?

  The advantages of purchasing car insurance online are:

  1. Time-saving
  2. Zero to minimal paperwork required
  3. Easy comparison of insurance policies
  4. No involvement of an agent
  5. Genuine insurance policies
  6. The customer immediately receives a soft copy of the policy document.
  7. Best deals and discounts
  8. Convenient
     

Disclaimer: *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
​ Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.