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Tata Car Insurance
Offering high-end SUVs, Tata Motors is well known for its safety and economical pricing. If you are looking to purchase any of Tata car models, make sure to also insure it with the mandatory Tata car insurance. This policy aims at protecting your Tata car from unforeseen incidents such as accidents, fire, theft, collision, etc.
Why do you Need Insurance for Tata Cars?
A car insurance policy for your Tata car helps protect you financially and legally from various unforeseen risks on the road. These include collisions or accidents, vehicle theft, fire, etc. When buying or renewing insurance for your Tata vehicle, it is important to pick the right insurer that can ensure timely settlements of your claim when needed. Also, you should review the terms & conditions of the policy, its benefits, and inclusions & exclusions, and then make a decision regarding your Tata car insurance.
Major Benefits of Tata Car Insurance
Here are the key advantages offered by a Tata car insurance policy:
- Legally Required: Insuring your Tata car with at least third party insurance is mandatory as per the Indian Motor Vehicles Act, 1988.
- Financial Protection: A Tata car insurance policy covers your out of pocket expenses in case of accidental damages or third party liabilities.
- Worry-Free Drive: With Tata insurance coverage, you can drive with peace of mind knowing that you are protected from these unforeseen events.
How many Types of Insurance for Tata Cars?
Majorly, there are three types of car insurance policies that Tata car owners can choose from:
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Third Party Car Insurance
Third party insurance includes coverage for damages or losses caused to a third person in an accident involving your Tata car. Its inclusions are:
- Injury or death of the third party person
- Damages to 3rd person's vehicle or belongings
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Standalone Own Damage Coverage
An own damage car insurance policy financially saves you in case of your own Tata car sustains damage or loss from:
- Accidents or collisions
- Natural/man-made calamities
- Fire, theft, burglary, etc.
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Comprehensive Car Insurance
Comprehensive car insurance offers the ultimate protection by covering both 3rd party liabilities and damages to your own Tata car, such as:
- 3rd person Injury/death and property damages
- Road accidents
- Natural/man-made calamities
- Fire, Vehicle Theft, etc.
Tata Car Insurance Prices (2025)
Here are some of the popular Tata cars and their insurance premiums as of October 2025:
| Tata Car Models (2025 Registration) | Ex-Showroom Price | Insured Declared Value (IDV) | Zero Depreciation (ZD) Cover | Tata Car Insurance Premium (3+1 year bundled policy, without ZD) |
| Tata Altroz Smart Petrol | ₹ 6,30,000 | ₹ 5,98,500 | ₹1,965 | ₹12,605 onwards |
| Tata Tiago XE Petrol | ₹ 4,57,000 | ₹ 4,34,150 | ₹ 1,860 | ₹ 12,066 onwards |
| Tata Harrier Smart Diesel | ₹ 14,00,000 | ₹ 14,43,905 | ₹ 4,637 | ₹ 29,223 onwards |
| Tata Tigor XM Petrol | ₹ 5,49,900 | ₹ 6,32,353 | ₹ 1,711 | ₹ 12,351 onwards |
| Tata Nexon Smart Petrol | ₹ 7,32,000 | ₹6,95,400 | ₹ 2,282 | ₹ 12,922 onwards |
Disclaimer: The Tata car insurance price for various car models may differ as per the car model variant, fuel type, year of registration, insurance coverage, etc. The quotes mentioned above are for brand-new Tata cars (manual transmission) registered under DL1 RTO.
Tata Car Insurance Premium Calculator
With the help of the Tata car insurance premium calculator, you can calculate the estimated premium of your car before purchasing a policy. Here are the details that you will need to use this calculator:
- Tata car model
- Tata car variant
- Fuel type
- Ex-Showroom Price
- Registration and RTO city of your car
- Car purchase year
- Previous claim detail
You can also view and compare Tata motor insurance plans using this calculator.
TATA Car Insurance Coverage
- Third party liabilities such as third-party death, injury and property damages
- Damages sustained by the insured vehicle due to manmade acts like strikes, riots, etc.
- Damages to the insured car due to natural calamities like cyclones, earthquakes, hurricanes, etc
- In-transit damages sustained by the insured car
- Partial or total loss arising out of theft or burglary
- Losses sustained by the insured vehicle due to fire or explosion
- Damages sustained by the insured vehicle as a result of drunk driving
- Losses to the insured car when the driver was not carrying a valid license
- Damages arising outside the geographical location, as mentioned in the policy wordings,
- Any consequential loss or damage is not covered under the Tata vehicle insurance policy
- General wear and tear, depreciation sustained by the insured car
- Accidental damages to the insured vehicle if being used for commercial purposes
TATA Car Insurance Add-on Covers
To enjoy complete protection on your TATA insurance policy, it is always better to upgrade your comprehensive car insurance with these additional covers.
- Zero Depreciation Cover
- NCB Protect Cover
- Engine and Gearbox Protection
- Key Replacement Cover
- Cost of Consumables Cover
- Return to Invoice Cover
- Roadside Assistance Cover
How to Buy/Renew Tata Car Insurance Online?
A policyholder can buy or renew a Tata motor insurance policy online on Policybazaar.com in just a few easy steps mentioned below:
- Visit Policybazaar.com and click on the “Car Insurance” tab from the homepage
- On the given form on the next page, enter your car number for Tata car insurance renewal
- If it is a brand-new Tata car, select the other option
- Select the RTO, make, model, variant, and fuel type of your car
- Select the previous policy expiry date and claim details
- Now, from the given four-wheeler insurance plans, select the Tata car insurance plan you desire
- Select any additional cover you wish to add to your policy
- Pay the final premium via the online payment mode
- Once you have paid the premium, your Tata motor insurance policy papers will be mailed to you.
How to Raise a Claim Under Tata Car Insurance?
A Tata vehicle insurance claim can be easily made by following the steps mentioned below:
- Inform the Insurer: First and foremost, intimate the insurance provider about the accident within the next 48 hours
- Damage Assessment: Upon intimation, the insurer will send a surveyor to examine the damages sustained by your car
- Documents Verification: The surveyor, after assessment, will verify the required documents. Make sure to keep these documents handy with you.
- Claim Settlement: The insurer will send the insured car to the network garage for repairs. Once the repairs are done, the insurer will settle the claim with the network garage.
- Reimbursement Claim: If the car was repaired in a non-network garage, the insurer will pay you the claim amount after the repairs.
Documents Required to Raise Tata Car Insurance Claim
A policyholder will require the following documents to raise a Tata motor insurance claim:
- Car insurance papers
- Copy of vehicle registration certificate
- Copy of car's driving license
- Duly filled and signed claim form
- KYC
Tata Car Insurance: FAQs
-
Q1. Is Tata car insurance costly?
Ans: Car insurance for Tata cars starts at just ₹2,094 yearly premium. You can easily compare multiple policies, their features, and benefits on Policybazaar.com and choose the right coverage with Tata car insurance. -
Q2. Which car insurance is best for Tata?
Ans: The best insurance plan for a Tata car is the comprehensive coverage. It provides extensive coverage for incidents like accidents, natural disasters, fire, theft, etc. -
Q3. How much does it cost to insure a Tata car?
Ans: The price of Tata car insurance varies by the vehicle model, age, variant, area of registration, and the type of policy coverage. -
Q4. What documents are needed to renew Tata car insurance?
Ans: You only need the registration number of your Tata car and/or the previous policy number for Tata car insurance renewal online. -
Q5. How to download my Tata vehicle insurance policy?
Ans: You can download your Tata car insurance from your insurer's website. Alternatively, if you have purchased your Tata vehicle insurance from Policybazaar.com, simply log in to your account dashboard from the homepage using your credentials. Here, you will find the Tata car policy download option through which you can save your policy copy. -
Q6. How can I check Tata insurance status?
Ans: You can check your Tata car insurance status through via Parivahan website, the mParivahan App, or your insurer's website. You can also know your Tata insurance details instantly from the check car insurance status online page on Policybazaar.com. -
Q7. Is Tata car insurance paid monthly or yearly?
Ans: Your Tata car insurance premium can be paid either monthly or yearly. It totally depends on the type of policy you opt for and the terms and conditions of the insurance company. You also have an option to set up EMIs as per your convenience and preference when buying or renewing Tata car insurance through Policybazaar.com. -
Q8. How to compare Tata car insurance plans online?
Ans: You can easily compare car insurance online for Tata cars on Policybazaar.com and understand policy features and pricing to pick a plan that matched your requirements and budget. -
Q9. Does Tata car insurance cover personal belongings?
Ans: No. Coverage for the loss of personal belongings is not included in Tata car insurance under a standard policy. But you can opt for the personal belongings add on cover with your Tata insurance to cover the items that are lost or destroyed in an accident. Remember that only the items that were locked inside the car (in an authorised parking space) during the incident are covered under this add on and that too up to a certain limit. -
Q10. How to reduce Tata car insurance price?
Ans: You can reduce your Tata car insurance premium by:
- Installing an ARAI-approved anti-theft device in your Tata car
- Accumulating No Claim Bonus by not making any claim
- Avoid opting for add-ons that are not required
- Becoming a member of the AAI (Automobile Association of India)
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Q11. What are the factors that affect Tata car insurance prices?
Ans: Here are the factors that affect the insurance premium of a Tata car:
- Tata car model
- Age of the vehicle
- IDV (Insured Declared Value)
- Area of vehicle registration
- Fuel type
- Anti-theft devices installed
- Any modifications to the Tata car
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#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
