Tata Punch Car Insurance

​Tata Punch vehicle ins​urance offers reliable and extensive coverage for your compact SUV, safeguarding the vehicle that prioritises your safety. Our Punch car insurance is designed to meet the specific requirements of the owners, providing financial protection in diverse situations with flexible car insurance options.

Reliance General Insurance offers features like cashless claim settlements, network garage repairs, and roadside assistance, enhancing the overall ownership experience. With us, you can benefit from:

How to Buy Tata Punch Car In​​surance - Online and Offline?

Tata Punch Car Insurance Online Buying Process

1. Visit the Reliance General Insurance website and navigate to the car insurance ​section.
2. Enter your Tata Punch’s details, such as its registration number, along with your mobile number and email address.
3. You will receive an instant insurance quote depending on the make and model of your car.
4. Review the quote to ensure it fits your budget, and select any add-ons you wish to include.
5. Confirm your details and make the payment to complete your purchase.

Tata Punch Car Insurance Offline Buying Process

1. Use the Branch Locator on the Reliance General Insurance website to find the nearest branch.
2. Visit the branch and enquire about Tata Punch car insurance plans.
3. Fill out the required form and provide the necessary documents.
4. Complete the payment through your preferred method.

Steps for Tata Punch Car Insu​​rance Renewal Online

1. Go to the Reliance General Insurance website to initiate the Tata Punch insurance renewal.
2. Click on the “Renewal” tab from the main menu and select “Renew Car Insurance”.
3. Enter your Tata Punch details along with the policy details.
4. Modify the coverage by opting for add-ons if required.
5. Verify the details and complete the payment using your preferred mode.

How to Buy a Second-Hand Tata ​​Punch Car Insurance?

Buying car insurance for a second-hand Tata Punch is the same process as buying a new car, with two new steps added before the actual buying. Here is a guide explaining the process of buying our Tata Punch car insurance:

• A second-hand Tata Punch insurance cost depends on various factors, including the vehicle’s specifications and overall health. This is especially important when buying insurance for a used car. Thus, we first carry out a thorough car inspection to determine its health.
• Once it is completed, you must ensure that you have all the documents required to buy this insurance. For a second-hand car, along with the usual set of documents, you also need forms 29 and 30 signed by the previous owner and a copy of the RC transfer.
• Next, visit our car insurance page and follow the same process as described in the above section.

Why Do You Need Tata Punch Ca​​r Insurance?

Car insurance for Tata Punch is essential for several reasons, they are:

• Legal Mandate in India:It is mandatory to have at least third-party insurance, which covers other vehicles or property in an accident.
• All-Around Protection:This policy protects against various risks, such as accidents, theft, fire, and natural calamities, saving you from substantial out-of-pocket expenses.
• Personal Accident Cover (For Owner-Driver):Provides financial protection for medical expenses up to ₹15 lakhs due to injuries sustained in an accident.
• Stress-Free Road Trips:Ensures that both your vehicle and loved ones are well-protected on the road.

Features and Benefits of Tata Pu​​nch Car Insurance

Types of Tata Punch Car Insu​​rance Plans

Tata Punch Insurance Cove​rage: Key Inclusions & Exclusions

Tata Punch Insurance Policy: Inclusions

• Damage to third-party vehicle or property
• Damage to your own vehicle caused by:
  • Accident
  • Total Loss/Total vehicular theft
  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Natural and man-made disasters
  • Damage during transit
• Personal Accident Cover for the Owner-Driver against injuries, permanent disability and death.
• Coverage based on the chosen add-on, such as Nil Depreciation, Roadside Assistance, etc.

Insurance Of Tata Punch: Exclusions

• Accidental loss outside the geographical area
• Claims arising from contractual liabilities
• Using the vehicle beyond its intended use
• Driving without a valid licence
• Driving under the influence of alcohol or drugs
• Damages from nuclear weapons or war-like operations
• Regular wear and tear
• Damages due to driver negligence.

Tata Punch Insurance Ad​d-On Covers

• Pay-As-You-Drive Insurance: This add-on helps you adjust the premium of your Tata Punch insurance policy based on the kilometres driven.
• No-Claim Bonus Retention Cover: You can secure your no-claim bonus with this add-on even when you claim your insurance.
• Return-to-Invoice Cover: You receive the compensation for the original car price in case of theft, total loss or severe damage.
• EMI Protection Cover: You do not have to worry about paying your EMIs during prolonged repair periods with this add-on.
• Daily Allowance Benefit: This provides you compensation for using alternate modes of transport while your Tata Punch car is undergoing repairs.
• RIM Protection Cover: This covers the aesthetic and structurally important part of your car - the rims in case of damage or theft.
• Consumables Expenses: It covers the expenses of consumables, such as nuts and bolts, oil, grease, etc., during repairs.
• Nil Depreciation Cover: This add-on cover protects the amount deducted from your claim amount as depreciation, giving you the entire amount.
• Engine Protection Cover: This provides coverage for the cost of engine repairs due to damage or malfunction.
• 24x7 Roadside Assistance: This provides assistance during critical circumstances, ensuring you receive all the help you need.
• Tyre Protection Cover: This covers the repair or replacement of costs of tyres due to incurred damage.
• Key Replacement Cover: This provides coverage against the cost of replacing lost or stolen keys and locks (if needed).
• Loss of Personal Belongings: This covers the replacement costs of stolen personal items from the car.
• Geo Extension: You can extend your coverage to a new country with this add-on rider.
• Non-Electrical Accessories: This covers damages sustained to your non-electrical accessories, such as seat covers, due to damage or theft.
• Electrical Accessories: This offers coverage against theft or damage of custom-installed electrical accessories.
• Emergency Hotel Accommodation: This covers the additional expenses incurred for staying in a hotel during a vehicle breakdown.
• Total Cover: This cover provides complete compensation of the purchase price paid in case of total loss or theft of your car.

Tata Punch Car Insurance C​​laim Process

Tata Punch Insurance Claim: Cashless Claim

1. Initiate your Tata Punch car insurance claim within 24 hours. You can do this by:
1. Calling our helpline at +91 22 48903009
2. Logging in to your Reliance Self-i App
3. Visiting our Car Insurance Claim page
2. Take or tow your vehicle to any of the nearby network garages for cashless repairs.
3. Submit the claim form and documents to the surveyor for vehicle inspection.
4. We will approve the claim based on the surveyor’s inspection reports.
5. Get the repairs done, and we settle the claim directly with the garage, minus any deductibles.

*Note that we do not pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.

Tata Punch Car Insurance Claim: Reimbursement Claim

1. Initiate the claim the same way.
2. Collect evidence of the incident, such as photographs.
3. Take your car to any garage for repairs and collect all bills, receipts, and invoices.
4. Fill out the claim form and submit all necessary documents for processing.
5. You must pay for repairs upfront; we will reimburse you based on your policy terms.
6. You can check the status of your claim online on our website in the meantime.

*Note that with reimbursement claims, you have to settle the bills with garages from your own pocket.

Documents for Tata Punch In​​surance Claim

• Policy certificate and number
  
• Insured person’s contact information – Name and Contact number
• Driving licence copy
• Location, Date & time of the accident
• Extent of loss
• Registration certificate copy
• Garage details (if applicable)
• Original repair bills and receipt

Useful Links:

• Complete List of Documents (Case-by-Case List)

Tata Punch Insurance Claims: C​​ashless vs Reimbursement

Tata Punch Car Insurance Pre​​mium

There are several factors that influence the premium price of comprehensive or own-damage car insurance plans. These are the main factors:

Model and Variant

The model, make, and variant of your Tata Punch affect the premium. Higher-end models or variants typically have higher premiums due to the cost of parts and repairs.

Age of the Vehicle:

Your Tata Punch new car insurance price may be higher. This is because older cars generally have lower premiums as they have a lower Insured Declared Value (IDV). However, due to increased wear and tear, they might attract higher premiums for their own damage.

Location

The area where you live or frequently drive can impact your premium. Urban areas with higher traffic and accident rates may lead to higher premiums.

Type of Coverage

Comprehensive insurance, which covers both third-party liabilities and own damages, has a higher premium compared to just third-party insurance. Thus, depending on the coverage you need, your Tata Punch insurance cost will vary.

Voluntary Deductibles

Opting for a higher voluntary deductible can lower your premium as it means you are willing to bear a higher out-of-pocket cost in case of a claim. However, if you wish to have lower out-of-pocket expenses, then your Tata Punch insurance amount will increase.

How to Calculate Tata Punch Car​​ Insurance Premium?

Since there are so many factors influencing car insurance premiums, knowing an estimate beforehand can help you make an informed decision. Thus, we offer a tool to help you calculate the car insurance premiums online and verify whether it fits your budget before buying a plan.

This is how you can use our car insurance premium calculator before buying new Tata Punch insurance:

• Enter your contact details and the car’s registration number.
• If you have an existing policy with us, click on the radio button.
• Based on your input, the tool will instantly calculate an estimate of the premium price.
• If you are looking for insurance options for a used car, you will also need to input additional information, such as claim history.

Using our tool, you can derive an estimate for our comprehensive and own-damage Tata Punch insurance price. The premium calculation for third-party insurance is different.

Tata Punch Insurance Cost: Third-Party Insurance Premium

Reliance car insurance for Tata Punch premium rates are pre-decided and monitored by the IRDAI. The base rates are calculated based on your engine’s capacity or battery capacity (for EV cars) and are the same throughout insurance providers. Here are the current Tata Punch yearly insurance costs:

Punch 5 Seater Insurance Price for Private Cars

Tata Punch New Car Insurance Price for Electric Cars

Tata Punch - Overview and​​ USPs

Competitive Pricing

Positioned as an affordable compact SUV, the Tata Punch offers great value for money with its extensive list of features, robust build quality, and superior safety ratings, making it a popular choice in the compact SUV segment.

Environment Friendly

The Tata Punch complies with the BS6 emission norms, which also reflect the company’s commitment to preserving the environment. Its CNG and EV variants further this commitment, making Punch an “environment-compatible” SUV in India.

Feature-Rich Infotainment System

The Tata Punch comes with a 7-inch touchscreen infotainment system with Apple CarPlay and Android Auto compatibility. The system also includes voice command functionality and a four-speaker Harman sound system for an enhanced audio experience.

Premium Interiors

The Punch’s interiors are designed for comfort and practicality. They feature ample legroom and a high seating position for better visibility. The upholstery has a premium look with a Tri-Arrow design.

Advanced Security Features

Tata Punch is equipped with a comprehensive safety suite, including dual airbags, ABS with EBD, corner stability control, and a reinforced body structure. It also has a 5-star Global NCAP safety rating, making it one of the safest cars in its segment.

Tata Punch - Models ​​and Prices

#These prices will vary with time, your purchase location and model variant.

Tata Car Insurance for Whi​ch Reliance Offers Insurance (Model Names)
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Tata Punch​

Frequently Asked Que​stions

• What does Tata Punch insurance cover?

  Our Tata Punch car insurance offers coverage for various perils. These include third-party liabilities, theft, burglary, fire, accidents and natural calamities. Moreover, you can extend your coverage by choosing from our range of add-ons.

• Can I transfer my existing Tata Punch car insurance policy from another company to Reliance General Insurance?

  Yes, you can easily transfer your policy to Tata Punch vehicle insurance by Reliance General Insurance by providing the necessary details and completing the required formalities during renewal.

• What factors affect Tata Punch insurance premiums?
  • Age of Your Tata car
  • Make and model of Your Tata car
  • Your Driving and Claim history
  • Any External Modifications
    
  • Your Residential Location​
    

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.
The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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.
The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
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.