TATA Motors Insurance

Tata Motors is the automobile section of the renowned Tata Group of India. This company was founded in the year 1945 to manufacture commercial vehicles. However, it was the year 1988, when the company started manufacturing passenger vehicles as well. The company is the largest vehicle manufacturers in India and presently, in the commercial vehicle segment, it dominates the market with approximately 44% of the market share.

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As per Indian Motor Vehicle Act, it is mandatory to insure your commercial vehicles and hence Tata Motors Insurance is offered for all its vehicles. A vehicle insurance policy provides financial protection against loss and damages incurred due to accident, fire, collision, theft, and other natural calamities.

Popular Tata Motors Models with Insurance Price

Tata Motors CV Model (2019 Registration)

Tata Motors Model Variant

Insured Declared Value (IDV)

Tata Motors Insurance Premium (Third-Party Insurance)

Tata Ace

275 IDI – Diesel

Rs. 1,58319

Rs. 17,412

Tata Intra

V10 – Diesel

Rs. 2,14,099

Rs. 17,412

Tata LPK

27WB BS-III

Rs. 2,37,258

Rs. 17,412

Tata LPS

EX2-HIGH-DECK-3400-BS-III-Diesel

Rs. 3,87,478

Rs. 17,412

Tata Prima

GVW-35200-Diesel

Rs.11,54,294

Rs. 46,696

Tata SFC 407

BSIV CNG GVW 5550

Rs. 3,21,636

Rs. 17,482

Tata SK

GVW 16200 – Diesel

Rs. 7,00,000

Rs. 37,192

Tata Ultra 1012/45 WB BS3

GVW 10400 – Diesel

Rs. 8,78,220

Rs. 29,931

Tata Yodha

CREW Cabin 4X2 GVW 2990 – Diesel

Rs. 4,44,480

Rs. 17,400

Disclaimer: The Tata Insurance Price for various Commercial Vehicle models can vary as per the engine capacity, IDV, type of fuel, year of registration, etc.

Reasons to Buy Tata Motors Insurance Policy

Below mentioned are the reasons to buy a Tata Insurance policy:

  • Buying Tata Insurance online is quick and easy.
  • A third-party commercial vehicle insurance policy is mandatory by law. This policy protects against losses or damages incurred to third-party property or persons by the insured vehicle.
  • A comprehensive Tata Insurance policy protects the insured vehicle and third party both against loses and damages incurred due to various unforeseen situations.
  • A cashless claim settlement facility is provided in all the network garages of the insurance provider.
  • The facility of no claim bonus is offered.
  • Personal accident cover for the owner/ driver is also provided.
  • The Tata insurance claim settlement process is simple and quick.

Types of Tata Motors Insurance Policy

Tata Motor Third-Party Insurance: As per the Motor Vehicle Act, it is mandatory to insure vehicles before playing them on Indian roads. Under this type of insurance policy, the policyholder gets insurance coverage for third-party property and person against losses or damages. However, one does not get any coverage for own vehicle damage or loss.

Tata Comprehensive Insurance: A comprehensive vehicle insurance policy is not mandatory by law but due to its vast coverage insurance experts suggest purchasing it. Under this policy, the policyholder gets insurance coverage for their vehicle as well as for third-party. Any loss or damage to own vehicle and third party incurred due to various unforeseen situations like accident, riot, fire, and other manmade or natural calamities.

Inclusions of Tata Motors Insurance Policy

The inclusions of this policy are:

  • A Tata Insurance policy provides insurance coverage in case of common damages that occur due to an accident or collision.
  • If the insured Tata commercial vehicle gets stolen, the policy provides coverage.
  • All the common damages that incur because of fire in the insured Tata commercial vehicle.
  • Damages or losses incurred due to natural disasters are also covered.
  • Personal accident covers in case of death or disability to the vehicle owner because of an accident are also offered.
  • All the third-party losses and damages caused by the insured car are covered under this policy.

Additional Covers in Tata Motors Insurance Policy

An additional or add-on cover is a type of rider benefit that one can add to his/her basic vehicle insurance policy to enhance its coverage. There are various types of add-ons or additional covers that are offered by various insurance providers. Here we are discussing some of the common types of additional coverages:

  • Personal accident coverage for the paid driver is an additional cover.
  • Protection of ‘No Claim Bonus’ is a type of additional cover that one can buy to protect his/her no claim bonus.
  • Return of invoice is another type of add-on.
  • Coverage for mechanical and electrical accessories is also an additional cover.

Exclusions of Tata Motors Insurance Policy

The major exclusions of a Tata Motors Insurance policy are:

  • Any loss or damage incurred due to the accident or collision by a driving who is driving a Tata Motors commercial vehicle without a valid driving license.
  • Any loss or damage incurred due to the accident or collision by a driving who is driving a Tata Motors commercial vehicle under the influence of alcohol.
  • Any loss or damage incurred to Tata's commercial vehicle due to contributory negligence is not covered.
  • Losses or damages that are incurred due to consequential damages are not covered.
  • Damages and losses incurred due to electrical and/ or mechanical breakdown are not covered.
  • The depreciation in the value of Tata commercial vehicle with time is not covered.

How to Buy Tata Motors Insurance Online

Nowadays, when almost everything is available online, one can buy even commercial vehicle insurance for his/her Tata commercial vehicle online very easily by following the below-mentioned steps:

  • Go to the website of commercial vehicle insurance and click purchase commercial vehicle insurance.
  • Mention all the details like make and model of the Tata Motors commercial vehicle, its RTO information, insurance type like comprehensive/third-party insurance, manufacturing details, details of the claim, etc.
  • After filling in all the information, one can choose the quote from the list of insurance providers for Tata Motors commercial vehicles.
  • Now, one has to choose a policy that meets his/her needs and then make the payment.
  • The policy is then e-mailed to the registered email id of the insured or one can download it.

How to Renew Tata Motors Insurance Online

The steps to renew the Tata Motors Insurance policy online are as follows:

One has to provide the renewal form of Tata Motors Insurance with the following information and a representative of the insurance company will get in touch:

  • Name of the policyholder
  • His/her email-id
  • His/her mobile number
  • His/her landline number (if any)
  • Tata Motors vehicle model
  • Registration city of Tata Motors commercial vehicle
  • Registration year
  • Whether the previous Tata Insurance policy was expired or not

Tata Commercial Vehicle Insurance Policy Type

  • Buy an insurance policy for a brand new Tata commercial vehicle
  • Renew an existing Tata Motors Insurance policy
  • Renew an existing Tata Insurance policy from a different insurer

Tata Motors Insurance Policy Claim Procedure

  • When one files a commercial vehicle claim, the very first step he/she should follow is to inform the insurance provider at his/her toll-free number.
  • For Tata Motors insurance cashless claim settlement, one has to fix an appointment with the surveyor of the insurer. After the survey, the damaged commercial vehicle is taken to any of the network workshops of the insurance provider for repair.
  • After this, the policyholder must have to give all the needed documents to the surveyor.
  • The insurer can confirm the liability only after this.
  • If one opts for the cashless service of the insurer, the Tata Motors insurance provider will settle the claim directly with the network garage.
  • However, if one avails the reimbursement facility, he/she has to settle the cost of the claim first by self. Later, he/she should give all the original bills with the claim form to the insurer to settle the claim.

Documents Required for Tata Motors Insurance Claims

  • Claim form that is signed and filled.
  • Registration certificate’s copy
  • Driving license’s copy
  • Copy of FIR
  • Repair estimate
  • Load challan (for commercial vehicle)
  • Permit of the commercial vehicle

Tata Motors Insurance Policy FAQs

Q1. When I purchase a Tata commercial vehicle, will I be able to transfer my 'No Claim Bonus' from my previous vehicle while purchasing insurance?

Ans. Yes, it is possible to transfer your previous commercial vehicle’s ‘No Claim Bonus’ to your new Tata Insurance policy.

Q2. The engine of my Tata commercial vehicle was flooded due to a flood on the streets of my city. Is it possible to claim insurance?

Ans. No, there is no engine cover provided with a basic commercial vehicle insurance policy. However, if you have taken the engine protector additional cover, then it is possible to claim for the engine damages.

Q3. The keys of my Tata Commercial Vehicle were broken. Will I be able to get the replacement of the key if I have a key protection cover?

Ans. Yes, the replacement of commercial vehicle keys is possible if the keys are broken or damaged. The replacement cost of the keys can easily be replaced if you have bought this add-on.

Q4.  I had parked my Tata Commercial Vehicle on street and a vandal damaged it. Will I be able to claim the damage?

Ans. Yes, you can claim the damages incurred due to the act of vandal. Any act of vandal is considered a malicious activity and you can easily get the reimbursement for all the damages caused due to this, by making a claim.

Written By: PolicyBazaar

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