Tata Altroz Insurance

​A premium car at the most affordable price! This is the perfect way to describe the Tata Altroz car. It is one of the most attractive cars with stylish design, premium feel and safety features. Though the car has a 5-star safety rating, you can enhance its safety many folds by purchasing Tata Altroz vehicle insurance.

Altroz car insurance is a must-have as it offers financial safety and helps you deal with unforeseen losses and damage to the vehicle. With an insurance plan from Reliance General Insurance, you get protection against own damage and third-party liabilities at the most affordable prices.

How to Buy Tata Altroz Car Insurance - Online & Offline

Tata Altroz Car Insurance Online Buying Process

1. Open our car insurance online page on your browser.

2. Provide the particulars of your car, such as the registration number, email ID, mobile number, etc.

3. Click on the “View Prices” button below and proceed to receive the insurance quote.

4. Go through the different types of plans available and the add-on options that you can opt for.

5. If you are satisfied with the quote, you can proceed to pay the premium using the online methods.

6. After the Tata Altroz yearly insurance payment is successful, we shall send you the policy documents to the email address you provided.

Tata Altroz Car Insurance Offline Buying Process

1. If you want to buy Tata Altroz car insurance offline, you can visit the nearest Reliance General Insurance branch office. Use our branch locator to locate an office near your locality.

2. You must carry all the essential documents, such as a car registration certificate, identity proof, address proof, etc.

3. One of our representatives will assist you with the different Altroz car insurance plans and their benefits.

4. Choose the plan based on your requirements.

5. Fill out the form and submit all the necessary documents.

6. Make the payment using your preferred method. The policy will be issued to you within a few minutes.

Tata Altroz Car Insurance Renewal Online Process

It is essential to renew Tata Altroz's yearly insurance to continue receiving continuous coverage and insurance benefits. You can renew your insurance in a few simple steps, as mentioned below.

1. To renew your car insurance, navigate to the home page of Reliance General Insurance.

2. Locate the Renewal tab at the top of the page and choose “Renew car insurance” from the list of options.

3. On the next page, fill out the policy number and vehicle details, such as the registration number, engine number, or chassis number.

4. Proceed to the next page and review your existing policy and add-ons. At this point, you can add or remove the add-on covers and modify the policy coverage, etc.

5. The Altroz insurance renewal price will depend on the coverage and add-ons you have chosen.

6. Make the payment using the methods available, and your Tata Altroz insurance renewal is complete!

How to Buy Car Insurance for a Second-hand Tata Altroz Car

Every vehicle owner must buy Tata Altroz car insurance, whether the car is new or second-hand. If you have purchased a second-hand Tata Altroz, here is how you can buy insurance from us.

• First, we conduct a thorough inspection of the car, including the engine condition and so on, to ensure it is functioning well. Once the car passes our evaluation, we move on to the next step, which is documentation.

• To buy the insurance policy, you must submit essential documents to us, which include the car’s purchase invoice, address proof, identity proof, RTO forms 29 and 30, the car’s RC, driving licence, etc.

• Visit our car insurance page online to initiate the insurance purchase process. Enter the required details and click on “View Prices.”

• Choose the type of policy, add-ons, etc., and pay the Tata Altroz insurance amount.

Why Do You Need Car Insurance For Tata Altroz Car?

Apart from causing physical injury, road accidents can also be financially devastating. A Tata Altroz car insurance is necessary to protect you from financial losses. Here are some of the top reasons why you need car insurance:

• Car insurance bears the cost of repairs for the vehicle if it gets damaged due to accidents, theft, riots, natural calamities, man-made disasters, etc.

• Tata Altroz insurance may also provide personal injury protection which covers the treatment cost of the injured involved in the accident. In case of the death of the insured, it provides monetary assistance to the family.

• Third-party car insurance is mandatory in India.

• Many popular Tata Altroz insurance plans also cover the legal cost if a case has been filed against you by a third-party.

Features & Benefits of Tata Altroz Car Insurance

At Reliance General Insurance, Altroz car insurance comes with the best features to protect the insured from a wide range of events. Our policy’s distinct features ensure that our customers receive the coverage as per their requirements.

Some of the best features of Tata Altroz vehicle insurance are as follows:

Wide Coverage

Our vehicle insurance offers protection from damages caused by numerous incidents, including accidents, theft, fire and explosions, animal attacks, natural disasters, and man-made disasters. Thus, it protects your Tata Altroz against a plethora of dangers.

Affordable Premium Rates

Our Tata Altroz insurance rates are very affordable, starting at only 238/month*. Thus, it ensures that all vehicle owners can buy an insurance plan. We also offer discounts on premiums of up to 80% when you buy insurance online.

Multiple Choice of Add-Ons

Reliance car insurance for Tata Altroz comes with specially curated add-ons, so you can customise the policy to suit your needs. We offer multiple add-ons, including engine protection cover, EMI cover, etc., at nominal charges.

Hassle Free Claim Procedure

Our claim procedures are simple and time-saving. We offer digital claim options, claim tracking, etc., to enhance the convenience.

24/7 Customer Assistance

We ensure that we do not leave you stranded in times of emergency. Therefore, we have a dedicated support team to provide you with round-the-clock assistance regarding all matters related to Tata Altroz vehicle insurance from Reliance and claims.

Cashless Network Garage Facility

To further enhance the claim settlement experience of Tata Altroz insurance, we have a huge network of 10,000 authorised garages. It allows you to get your vehicle repaired in a cashless manner with minimum hassle.

Pay-As-You Drive Insurance

One of the most outstanding features of our Tata Altroz insurance is the pay-as-you-drive cover. It allows you to pay an insurance premium proportionately to the kilometres you drive. This makes the premium fair and flexible and lets you enjoy some savings.

Types of Tata Altroz Car Insurance Plans

Comprehensive Car Insurance for Tata Altroz

Our comprehensive car insurance offers the widest coverage as it protects the insured against own damages as well as third-party liabilities. You can also enhance your insurance scope by including add-ons as required.

Altroz Third-Party Insurance

A third-party insurance guards you against third-party liabilities. It offers financial and legal assistance if any third party raises a claim against you.

Own Damage Car Insurance

With our own damage cover, you can protect your Tata Altroz against damages caused by theft, accidents, natural calamities, riots, vandalism, animal attacks, etc.

Pay-As-You-Drive Insurance

Under our Pay-as-you-Drive insurance cover, you pay for the estimated kilometres you’ve driven in a year. So, if you drive less, you pay less, allowing you potential savings of up to 90%!

Tata Altroz Car Insurance Policy - Key Inclusions & Exclusion

Tata Altroz Insurance Coverage - Inclusions

1. Damage caused by the following is included:

   • Fire explosion

   • Theft

   • Riot and strike

   • Accidents

   • Terrorist activity

   • Floods, typhoons, hurricanes, cyclones, etc.

   • Transit by road, rail, inland waterways, etc.

   • Landslide, rock slide, etc.
     

2. Third-party liabilities, including damage to third-party property, vehicle, and life.

3. Additional coverage if the insured opts for add-on covers, including nil depreciation, deductibles, engine protection, etc.

4. Insurance of Tata Altroz includes personal accident cover for the owner-driver if the insured opts for it by paying an additional premium.

Tata Altroz Insurance Policy - Exclusions

1. Regular wear and tear loss

2. Any damage or loss caused to the electrical parts of the vehicle

3. Car’s mechanical failure

4. Accident or damage occurring due to driver’s negligence

5. Driving without a driving licence and other necessary documents

6. Driving your Tata Altroz after consuming alcohol or other intoxicating substances

7. Indulging in illegal driving practices such as racing, etc.

8. Accident outside the geographical limits of the policy

9. Depreciation loss is not covered unless one opts for nil depreciation cover.

10. Vehicle loss due to war, invasion by foreign enemies, etc.

11. Damage occurring due to nuclear weapons

Add-on Covers for Tata Altroz Car Insurance Policy

Total Cover

We compensate the insured with the on-road price of the car if the car is stolen or if a total loss is declared.

NCB Retention Cover

By opting for this add-on cover for your Tata Altroz insurance policy, your NCB discount remains intact even if you make one claim in the year.

Emergency Hotel Accommodation

We shall pay for the hotel accommodation of the insured if the car is stolen or meets with an accident and is stranded 200 km away from the registered address.

Nil Depreciation Cover

When you opt for the nil depreciation cover for Tata Altroz car insurance, we shall compensate you the full value of the car without deducting the depreciation amount.

Engine Protector Cover

We shall compensate you for any damage caused to the engine by oil spills, water ingression, etc.

EMI Protection Cover

When your car is under repair for a longer period, this cover assists by covering the car’s EMIs.

RIM Protection

It covers the cost of repair for the car’s rims if they get damaged.

Tyre Protection

It offers protection against the cost of repair to the tyres.1

Consumables Expenses

This add-on covers the expenses related to consumables in the car such as bolts, nuts, grease, etc.

Geo Extension

This Tata Altroz insurance add-on allows you to get additional coverage for your car beyond the geographical limits of the country, allowing you to stay insured on foreign trips.

Non-Electrical Accessories

You get coverage for non-electrical components of the car, such as seat covers, interiors, etc., when buying car insurance for Tata Altroz.

Loss of Personal Belongings

If your personal belongings get stolen from your Tata Altroz, we shall compensate you for its value.

Return-To-Invoice Cover

Under this add-on cover for the Tata Altroz insurance policy, you get compensation equivalent to the original purchase price of the car in case of total loss or theft.

Apart from the add-ons mentioned above, we also have customised add-ons for electric vehicles.

Steps for Tata Altroz Car Insurance Claim Process?

Raising a Tata Altroz insurance claim is simple and hassle-free if you follow the steps correctly.

Tata Altroz Car Insurance Claim: Cashless

1. To raise a claim successfully, you must inform us about the incident within 24 hours of its occurrence. You can inform us using one of the following methods:

   • Use your Reliance Self-i app account.

   • Inform us through the insurance claim page.

   • Call us on (022) 48903009​

2. Take your vehicle to one of our authorised garages. You can locate the nearest garage by using our garage locator.

3. One of our surveyors will be appointed to assess the damage to the vehicle.

4. Next, fill out the claim form and submit the required documents to support your claim.

5. After the survey is completed, your claim shall get approved or rejected.

6. After claim approval, you can take your vehicle for repair at any of our authorised garages.
   

Once the repair is completed, we pay the garage directly. Thus, you are not required to make any payments other than mandatory deductibles and depreciation costs.

Tata Altroz Insurance Claim: Reimbursement

1. Follow the first step, as mentioned above, to register a claim for your Tata Altroz insurance policy.

2. Get your vehicle repaired at any garage of your choice.

3. Gather all the documents, FIR, repair invoices, etc.

4. File a claim with us against insurance for Tata Altroz by submitting the claim form and attaching the necessary documents.

Documents For Tata Altroz Insurance Claim

Documents required for Tata Altroz car insurance claims depend on the type of claim you choose to make. However, here is a general list of documents that you must submit.

1. Duly filled and signed claim form.

2. Accident information, including FIR, if lodged.

3. Bills or invoices of repair (in case of reimbursement claim)

4. Copy of Tata Altroz car insurance

5. Copy of driving licence

6. Vehicle papers such as the registration certificate

Tata Altroz Insurance Claim Cashless Vs Reimbursement

Tata Altroz Car Insurance Premium

Tata Altroz's car insurance premium is determined by taking multiple factors into account. One must be aware of these factors and understand them so that choosing the best insurance for your vehicle becomes easy.

Comprehensive Insurance Premium

Altroz insurance price for comprehensive coverage depends on the following:

Location

Buying Tata Altroz car insurance in a metropolitan city is going to cost you more than other areas, as metro cities are more prone to traffic congestion and accidents.

Car Model and Variant

If you have a luxury car or a sports car, you will have to pay a higher insurance premium as the repair and spare parts of such cars are very costly.

Insured Declared Value

The Insured Declared Value (IDV) is your Tata Altroz’s market value. A higher IDV requires you to pay a higher premium for Tata Altroz car insurance.

Vehicle’s Age

Age is also a crucial determining factor of Tata Altroz insurance cost. An older vehicle has a low IDV which affects the insurance cost. Whereas, a new vehicle has a higher IDV which may result in higher new Tata Altroz insurance costs.

Add-Ons

Altroz 5-seater insurance price is also affected by the choice of add-ons you make. Add-ons come at an additional cost, which may increase the total cost of insurance premiums.

Third-Party Insurance Premium

The premium for third-party insurance is fixed by the Insurance Regulatory and Development Authority of India (IRDAI) and is based on the cubic capacity of Tata Altroz’s engine. Though a third-party insurance premium is lower than a comprehensive insurance premium, it increases with an increase in the engine’s cubic capacity.

How to Calculate Your Tata Altroz Car Insurance Premium

Calculating Altroz car insurance price is essential so you know how much finance is necessary to pay the premium. It allows you to do your financial planning and calculations in advance and also lets you choose a plan according to your capacity and budget.

You can calculate Tata Altroz car insurance premium with the help of our car insurance premium calculator. Follow a few simple steps to get an estimate of your car insurance premium.

• Step 1: Fill in the details of the car, such as the registration number, email, etc.

• Step 2: Click on “Check our prices” to get a quote from us.

• Step 3: Next, choose the type of insurance, add-on covers, etc.

• Step 4: If you want to insure a used car, you must also provide the car’s age, car variant and model, claim history, etc.

• Step 5: After providing all the necessary information, you will get an instant quote.

Tata Altroz Insurance Cost: Third-Party Insurance Premium

While insurance companies decide on comprehensive insurance premium rates, the third-party insurance premium is fixed by the IRDAI. Third-party insurance rates depend on the cubic capacity of the engine or the EV’s battery capacity.

Tata Altroz Insurance Price: Third Party Insurance

Third-Party Insurance Rate for Electric Cars

Tata Altroz- Overview and USPs

The Tata Altroz is the perfect representation of Tata Motors' promise of quality-built cars and high safety. It is one of the excellent cars in the hatchback segment, and it has some outstanding features.

1. The car has a 5-star safety rating from the Global NCAP, which means it is a highly safe vehicle. Some of its safety features include dual front airbags, ABS with EBD and Corner Stability Control, reverse parking sensors, ISOFIX-child seat anchorage points, high-speed alert system, and so on.

2. It is available in 34 variants, including 22 petrol, 6 diesel and 6 CNG.

3. The maintenance cost of the car is also low, which means it won’t be hard on the pocket after purchase.

4. Some of its comfort features include rain-sensing wipers, a voice-command-operated sunroof, a built-in air purifier, phone charging units, etc.

Tata Altroz Car Models & Prices

*Prices mentioned are starting prices that may vary depending on the model, variant, fuel type and city.

Tata Car Insurance for Which Reliance Offers Insurance (Model Names):

Frequently Asked Questions on Tata Altroz Car Insurance

• What does Tata Altroz insurance cover?

  Tata Altroz car insurance covers car damage caused by accidents, collisions, fire and explosions, natural calamities, man-made disasters, animal attacks, third-party liabilities, in-transit damage, theft, etc.

• What is Tata Altroz's car insurance price?

  Our car insurance price for Tata Altroz is very affordable, as you can get up to an 80% discount if the policy is purchased online. Moreover, additional NCB discounts are also applicable to the premium if no claim is raised in the previous year.

• Can I transfer my Tata Altroz insurance?

  Yes, you can transfer your Tata Altroz ins to the new owner if you sell the car. You must provide the necessary documents, such as a car registration certificate, policy documents, NOC, RTO forms 28, 29, and 30, address proof of buyer, etc.

• What factors affect Tata Altroz insurance premiums?

  The following factors play an important role in determining the premium for Tata Altroz insurance:

  1. Place of insurance

  2. Car modifications

  3. IDV of the car

  4. Age of the car

  5. Model and make of the car

  6. The car’s engine capacity

  7. Insurance coverage

  8. Add-ons

  9. Claim history

  10. Deductibles