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Car Insurance For TATA Car Online

Tata Motors Car Insurance

Tata Motors entered the passenger vehicles segment in 1991 with the launch of its SUV, the Sierra. From the fully indigenously developed vehicle, the Indica, Tata motors have played a pivotal role in the Indian automotive industry. After a period of limited success, it has been slowly reviving its fortunes with the launch of next-generation products such as their entry-level hatchback Tiago, sub-compact sedan Tigor, compact-SUV Nexon and their full-sized SUV, the Hexa.

With its acquisition of the prestigious Jaguar – Land Rover brand in 2008, Tata has made sure the British brand’s expertise has trickled down to its recently launched products, making its products competitive in their respective segments.

Top 5 Tata Car Models

Tata Tiago

With Tata Motors new ‘Impact’ design philosophy, the Tiago, with its built quality, spacious interiors, equipment list and its value-for-money proposition, became a favorite with the entry-level hatchback buyer in India.

Tata Tigor

With the Tigor, Tata Motors re-entered the sub-compact sedan segment, which it incidentally started with the Indigo CS sedan. Based on the Tiago hatchback, the Tigor gets a marginally longer wheelbase, added list of equipment and best-in-segment value-for-money proposition.

Tata Nano

Developed to be the world’s cheapest car, Tatat Motors with the Nano, underwent subsequent changes such as the addition of power steering, AMT automatic gearbox and a revamped cabin to keep it in tune with the competition in the entry-level hatchback segment.

Tata Hexa

A heavily re-designed SUV, based on the Aria, the Hexa from Tata Motors, impresses on multiple fronts with its spacious cabin, quality of materials used and an exhaustive list of equipment on offer.

Tata Nexon

Tata Motor’s foray into the compact SUV segment, the Nexon, comes across as a well-designed product with newly developed engines, a spacious cabin, an impressive list of equipment as well asan aggressive price tag.

Reasons to buy HDFC ERGO Tata Motors Car Insurance

Save Up to 70% On Your Tata Motors Car Insurance Premiums!

Bid goodbyes to Tata motors car insurance pricey premiums when you can get upto 70% discounts on your car insurance premium! Why look elsewhere, when amazing quotes are just a click away?

Go Cashless! With 7400+ Cashless Garages

7400+ Network Garages spread all over the country, isn’t that’s a huge number? Not just this, we let you register a claim via IPO app & website & we approve your claims within a snap.

Why Limit your Claims? Go Limitless!

HDFC ERGO opens doors to unlimited claims! Though we believe you've been driving cautiously, however in case of any claim you wish to register, we do not restrict you.

**Overnight Car Repair Service

We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step.

What's Included in Tata Motors Car Insurance?

Accidents

Accidents are uncertain. Did your car get damaged due to an accident? Don’t panic! We cover it!

Fire & Explosion

Boom! Fire may hamper your car partially or totally, whatsoever be the loss due to Incidents of fire and explosion. Do not worry we can handle it

Theft

Car got stolen? Sounds quite unfortunate! Before you fret over it, let us inform you we will secure it!

Calamities

Havoc due to earthquake, landslide, floods, riots, terrorism etc. may take a toll over your favorite car.

Personal Accident

In case of injuries due to car accidents, we cover all your treatments and make sure you are healthy.

Third Party Liability

In case your vehicle accidentally caused injuries or damages to the properties of a third person, we offer complete coverages.

What’s not included in Tata Motors Car Insurance ?

Depreciation

We do not cover depreciation in the value of the car.

Electrical & Mechanical Breakdown

Any electrical or mechanical breakdowns remain uncovered under our car insurance policy.

Illegal Driving

Your car insurance goes out of action if you do not possess a valid driving license. Driving under the influence of drugs/alcohol.

Tata Motors Car Insurance-Add On Covers

Tata Motors Car Insurance-Zero Depreciation Cover

Get the Entire Amount With Zero Depreciation Cover!

Usually, your Tata Motors car insurance policy will only pay you the claim amount after deducting the depreciation amount. Your policy wordings will contain the details of depreciation. So, what can you do to get the entire amount for your car insurance claim? There is a way out! The zero-depreciation cover! With zero depreciation, there are no depreciation cuts, and you get the entire amount in your hands !

How does it Work?If your Tata Motors car is damaged and the claim amount is Rs 15,000, out of which the car insurance company says that you may have to pay 7000 as depreciation amount excluding policy excess/deductible. If you buy this add on cover then, the insurance company will pay the entire assessed amount. However, policy excess/deductible needs to be paid by the customer, which is quite nominal

Tata Motors Car Insurance-No Claim Bonus Protection

There’s a way you could protect your NCB

In case of car insurance claim for damage caused due to external impact, flood, fire etc to a parked vehicle or damage to windshield glass, this add on cover not only protects your No Claim Bonus earned so far, but also takes it to next NCB slab .

How does it work? Consider a situation wherein your parked Tata Motors car gets damaged due to collision or any other calamity, No Claim bonus protection shall keep your NCB of 20% protected for the same year and take it smoothly to the next year slab of 25%. This cover can be availed upto 3 claims during the entire policy duration.

Tata Motors Car Insurance-Emergency Assistance Cover

We’ve got you covered!

We are here to offer you round-the-clock assistance to deal with any technical or mechanical breakdown issues of your Mahindra car! The emergency assistance cover includes minor repairs on site, lost key assistance, duplicate key issue, tyre changes, battery jump starts, fuel tank emptying and towing charges!

How does it work? Under this add on cover there are multiple benefits which can be availed by you. For instance, If you are driving your vehicle and there is damage, it needs to be towed to a garage. With this add on cover, you may call the insurer and they will get your vehicle towed to the nearest possible garage upto 100 kms from your declared registered address.

Tata Motors Car Insurance-Return to Invoice

Offers the differential amount between the IDV and the Invoice value of the vehicle

What could be more devastating than discovering one fine day that your Honda City car has been stolen or faced a total damage? Your car insurance policy will always pay you the IDV (Insured Declared Value) of your vehicle. The IDV is equal to the current market price of the vehicle. But, with a return to invoice add-on, you get the difference between invoice value and IDV as well! You have to ensure that an FIR has been filed and the car was not recovered within 90 days after the incident .

How does it Work? If you have purchased a vehicle in 2007 and the purchase invoice was Rs 7.5 lakhs. After two years, the Insured Declared Value (IDV) would be Rs 5.5 lakhs and is damaged beyond reapir or is stolen then, you will get the original purchase invoice Rs 7.5 lakhs. In addition to this, you will get registration charges & applicable taxes as well. Excess/dectucible as per the policy schedule will have to be borne by you.

Tata Motors Car Insurance-Engine & Gear Box Protector

Protects your car engine damage when water enters the engine during rains or flood

Be it the downpour of rains or the rushing flood waves, your vehicle's gearbox and the engine remains wrapped in the protective coverage of engine and gearbox protection cover! It pays for the replacement or repair of all the child parts or internal parts. Moreover, it further covers the labor costs, cost of compression tests, machine charges and engine cylinder re-boring.

How does it Work? Imagine on a rainy day due to accident, if there is damage to the engine/gear box and chances are that engine oil will start leaking. In such a situation, if you continue to drive the vehicle, engine will get seized. Such damage is a result of a consequential loss which is not covered under the standard motor insurance policy. With this Add-on cover your car’s internal parts of engine and gearbox remains protected.

Tata Motors Car Insurance-Key Replacement cover

Lost/stolen keys? The key replacement cover helps you!

Did your keys get stolen or lost? This add-on will help you get the replacement keys as soon as possible!

How does it work? If you have lost or misplaced your car keys this add-on cover will act as a saviour.

Tata Motors Car Insurance-Cost of Consumable Items

Here is a consumable items coverage that covers all the consumables used in your car! Yes! You need this right now! It pays for all the non reusable consumables such as nuts, bolts ....

How does it work? ? If your car faces an accident and needs repairs, under such a scenario the non-reusable consumables may have to be bought again to fix your car. Parts such as washers, screws, lubricants, other oils, bearings, water, gaskets, sealants, filters, and much more are not covered under the motor insurance cover & the cost is to be borne by the insured. With this add on cover we pay for the cost of such consumables and let you take it easy.

Tata Motors Car Insurance-Loss of Use - Downtime Protection

Paid the Cabs While Your Car Was On Repair? Downtime Protection Is Here! Provides a cash allowance benefit incurred by the customer for use of other means of transport for daily conveyance .

How does it work? So, your vehicle got involved in an accident, and it is given for repair works! Sadly, you are left without a vehicle to travel and end up paying the cabs more! But, did you know that the loss of use-downtime protection can cover all the expenses made on cabs? Yes! It will as mentioned on the policy schedule!.

Other Car Insurance related articles

Why do I need Comprehensive cover for Car Insurance?

Why You Should Not Miss Your Car Insurance Renewal Date?

Various Add-on Covers for Your Car Insurance Policy

Review of HDFC ERGO Car Insurance Plans

How Will Car Modification Affect Your Insurance Policy?

How Does Insurance Policy Change When You Sell Your Car?

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Frequently Asked Questions

1.What does Comprehensive Car Insurance mean?

A comprehensive insurance policy provides protection to your vehicle due to any impact damage, fire, theft, earthquake etc. In addition to this, it provides cover against any third party liability in term of death, bodily injury and third party property damage.

2.Should I buy a comprehensive or third party cover?

As per law, only third party liability only policy is required without which one cannot use the vehicle on road. However, under third party liability only policy, any damage to your vehicle due to fire, theft, earthquake, terrorism etc is not covered and it could result into a huge financial loss. Therefore, it is recommended to buy a comprehensive cover as it provides financial protection along with protection from third party liability.

3.How does emergency assistance program work?

Emergency assistance is an add-on cover and has to be purchased by paying additional premium. It has multiple benefits like assistance in case of breakdown, tyre replacement, towing, fuel replacement etc which can be availed during the policy duration. Customers need to call up the customer care number mentioned on the policy for availing these benefits.

4.What happens when I wish to renew my expired car insurance policy?

You can easily renew your expired policy online. You need to download HDFC ERGO Self Inspection application and upload the documents, once the documents are approved by HDFC ERGO, a payment link would be sent and you may make the payment to renew the policy. Once the payment is made, you will receive the policy copy.

5.How much time will it take to repair minor damages?

With Overnight Repair Facility, repair of minor damages shall be completed overnight. Facility is available only for private cars and taxis. Process for overnight repair facility is mentioned below

1.Claim needs to be intimated through the call center or HDFC ERGO mobile application (IPO).

2.Our team will reach out to the customer and request for vehicle damage photos.

3.Damages limited to 3 panels will be accepted under this service.

4.Vehicle may not be repaired immediately post intimation as the workshop appointment and pick-up is subject to vehicle part and slot availability.

5.Customer saves on the time they have to spend on driving to and back from the garage.

6.Currently this service is available in 13 selected cities which are Delhi, Mumbai, Pune, Nagpur, Surat, Vadodara, Ahmedabad, Gurgaon, Jaipur, Hyderabad, Chennai, Kolkata, and Bangalore