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.
100% Claims Settlement*
|
10,000+
Network Garages* |
5 crore+ Happy Customers* |
₹238/month Starting premiums* |
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-Party 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.
Flexibility
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-You 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 Repairs
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 Settlement 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 Policy
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 Damage 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 Insurance 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 Insurance
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 Online 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 Inspection
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 Essential Documents
Gather the essential documents, such as the registration certificate, and ensure they are transferred to your name from the previous owner.
Purchase Car Insurance
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 Exclusions
Tata Car Insurance Inclusions
Inclusions |
Details |
Third-Party Liability Coverage | We cover legal implications and financial losses related to third-party injuries, including death and property damages up to ₹7.5 lakhs. |
Accidents | We bear the cost of repairing or replacing parts of the insured car damaged in an accident. |
Natural Disasters | Losses or damages due to unforeseen natural disasters, such as earthquakes, storms, lightning, floods, landslides and cyclones, are covered. |
Man-Made Calamities | Damages/losses caused to the insured four-wheeler by strikes, riots, acts of terrorism, and the like. |
Theft | If your Tata car gets stolen, we will reimburse you with a sum equivalent to the IDV stated in the policy document. |
Fire | Damages/losses due to fires, self-ignition, explosions, and the like are also covered. |
Damage Caused While Shifting The Car | We bear the cost of repairing or replacing car components damaged while the vehicle is in transit by road, air, rail or elevator. |
Animal Attacks | The coverage also includes protection against damages caused by animal attacks, such as rat bites. |
Tata Car Insurance Exclusions
Exclusions |
Details |
Driving Without a Valid Licence | Damages incurred due to driving without a valid licence will not be covered. |
Damage Due to Drunk Driving | Accidents caused by driving under the influence of alcohol or other intoxicating substances are a punishable offence and are not covered. |
Normal Wear and Tear and Depreciation | Depreciation or routine wear and tear that naturally occurs with regular vehicle use is not covered. |
Damage Due to War | Damages due to war, biochemical attacks, civil wars, nuclear explosions, invasions, mutiny and the like are not covered. |
Consequential Loss/Damage | Losses/damages affecting the insured four-wheeler due to actions, such as attempting to start the engine in a flooded area or driving on the wrong side. |
Contractual Liability | Damage/loss caused by your contractual obligations, such as loaning the car to someone who then damages it. |
Violation of Policy Terms and Conditions | Damages/losses caused to the insured vehicle because of actions that violate the policy terms are not covered. |
Expired Policy | Damages/losses claimed after the policy lapses are not covered. |
Add-Ons for Tata Car Insurance
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 Insurance
This cover adjusts your premium amount based on usage statistics, i.e., the distance travelled.
Nil Depreciation or Bumper-to-Bumper Insurance
Covers the depreciation cost during claims.
24x7 Roadside Assistance
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-Invoice Cover
Reimburses the total invoice amount in case of total loss due to accidents or theft.
Total Cover
Offers full on-road price of your Tata car, including road tax, premiums paid and registration charges in case of total loss.
EMI Protection Cover
Cover EMI loan payments if car repairs exceed 21 days.
NCB Retention Cover
Allows you to retain accrued NCB discount for up to two claims.
Daily Allowance Benefit
Offer allowance for daily transport when your car is under repair for a specific number of days.
RIM Protection
Offer coverage for damage and loss to the car's rim.
Tyre Protection Cover
Offers coverage for the repair and replacement of car tyres due to accidental damage and wear and tear.
Consumables Expenses
Cover replacement cost of consumables like nuts, bolts, grease, lubricant, etc.
Loss of Personal Belongings
Offers compensation for valuables like laptops and smartphones up to a specific amount in case of theft.
Geo Extension
Extends Tata car insurance coverage to additional countries like Pakistan, Nepal, etc., for those who drive their car outside India's geographical borders.
Electrical Accessories
Covers damage or theft of custom-installed electrical components like audio systems and navigation units.
Non-Electrical Accessories
Covers damage or theft of non-electrical fittings like seat covers, alloy wheels, etc.
Key Replacement Cover
Covers the costs associated with replacing lost or stolen keys. It will also cover lock replacement costs if needed.
Emergency Hotel Accommodation
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 Insurance Policy
Tata Car Insurance Claim Process for Cashless 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 Process 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 Insurance 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 Process
Differentiating Factors |
Cashless Car Insurance Claim Process |
Reimbursement Car Insurance Claim Process |
Claim Settlement | We directly settle the bills with the garage for cashless claims. | Initially, you need to pay for the expenses and then submit the receipts to us. We will examine the documents and reimburse for the applicable expenses. |
Choice of Garage | You can take your Tata car to any of our network garages nearer to your location. | You can take your car to any authorised garage based on your preference. |
Documentation | Minimal documentation as the dealing is directly with the garage. | Detailed documentation with original bills and receipts is required. |
Claim Process | Direct, simple and convenient. | Slightly detailed and involves more steps. |
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 Value (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 Additional 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 Accessories
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 (NCB)
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 Factors
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 Insurance 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 Premium
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
Engine Cubic Capacity |
Annual Premium ( ₹) |
Within 1000 cc | ₹2,094 |
Between 1000 cc and 1500 cc | ₹3,416 |
Greater than 1500 cc | v7,897 |
For Electric Cars
Battery Capacity |
Annual Premium (₹) |
Within 30 kW | ₹1,780 |
Between 30 kW and 65 kW | ₹2,904 |
Greater than 65 kW | ₹6,712 |
Tata Motors - Overview and USPs
Tata Motors is India's leading vehicle manufacturer, with a presence in 125 countries worldwide.
Here's why Tata Motors leads 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
Tata Cars |
Ex-Showroom
Price
(Delhi)** |
Tata Tiago | ₹5.65 - ₹8.90 Lakh |
Tata Tigor | ₹6.30 - ₹9.55 Lakh |
Tata Punch | ₹6 - ₹10.20 Lakh |
Tata Altroz | ₹6.65 - ₹11.35 Lakh |
Tata Nexon | ₹8 - ₹15.80 Lakh |
Tata Tiago EV | ₹7.99 - ₹11.89 Lakh |
Tata Punch EV | ₹10.99 - ₹15.49 Lakh |
Tata Tigor EV | ₹12.49 - ₹13.75 Lakh |
Tata Nexon EV | ₹14.49 - ₹19.49 Lakh |
Tata Harrier | ₹15.49 - ₹26.44 Lakh |
Tata Safari | ₹.16.19 - ₹27.34 Lakh |
Tata Curvv EV | ₹17.49 - ₹21.99 Lakh |
**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 Questions (FAQs)
Which insurance is 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 best 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 benefits of purchasing car insurance online?
The advantages of purchasing car insurance online are:
- Time-saving
- Zero to minimal paperwork required
- Easy comparison of insurance policies
- No involvement of an agent
- Genuine insurance policies
- The customer immediately receives a soft copy of the policy document.
- Best deals and discounts
- 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.