Secure Your Tata Car, in just 3 minutes!

Quick Quote for your Car Insurance

I hereby authorize HDFC ERGO General Insurance to contact me before 10pm. I agree that this consent will override my NDNC registration.

Need Help? Talk to our experts 022-62426242

Premium starting

at Just ₹2094*

8000+ Cashless

Network Garages^**

Overnight Car

Repair Services¯

4.4

Customer Ratings

Quick Quote for your Car Insurance

I hereby authorize HDFC ERGO General Insurance to contact me before 10pm. I agree that this consent will override my NDNC registration.

Need Help? Talk to our experts 022-62426242

Tata Car Insurance

Current times may have witnessed a spurt in ‘vocal for local’, but the Indian automotive market has always vouched for home-grown brands such as Tata Motors.

Tata Motors, erstwhile Tata Engineering and Locomotive Co Ltd, entered the automobile industry in 1954. Since its inception, it has come a long way from its humble days of a commercial vehicle manufacturer. In 1991, addressing the increased demand from consumers, Tata Motors entered the passenger vehicle segment with its first SUV, Tata Sierra. It quickly followed up with a range of PV vehicles such as Tata Estate, Tata Sumo and Tata Safari.

During its successful years, Tata Motors, on multiple occasions, has given the Indian automotive industry its very firsts. In 2007-2008, the brand unveiled world’s least expensive car, Tata Nano, at various auto expos which received international acclaim. Similarly, in 2011, it achieved another milestone by acquiring business of Jaguar Land Rover (JLR) and manufacturing cars like Range Rover Evoque from the JLR stable.

Even today, Tata Motors never ceases to innovate and continues to put out models after models with updated styling and feature set to stay relevant in the cutthroat automobile business. With the recent 5-star safety ratings offered to both the Tata Altroz and the Tata Nexon, the automaker has marked a complete shift in the way passenger vehicles are viewed by consumers, emphasizing safety over everything else.

And we believe that smooth and sturdy rides from the house of Tata Motors should be insured with an equally sturdy insurance policy to maximize the on-road experience!

Tata Bestselling Models

Tata Tiago

The Tata Tiago is the Indian automaker’s ultra-affordable hatchback car offering. Starting at just around Rs. 4.85 lakhs, the Tiago, with its 4-star safety rating and a host of premium features gives its contemporaries a run for its money. The car is extremely compact, making it the perfect choice for zipping around the narrow city streets of India. Although the car is small, it scores big on safety features with two frontal airbags, rear parking camera, and ABS with EBD and CSC.

Tata Altroz

The Altroz is another hatchback offering from Tata, albeit in the premium segment. Featuring a super stylish design that can turn heads, the Altroz is loaded with features and a 5-star safety rating, making it one of India’s safest cars. The car is ahead of most of its peers not only in terms of safety, but also in terms of performance, comfort, and technology. Steering mounted controls, parking assistance, height adjustable seat belts, 90-degree doors, projector headlamps, and LED Daytime Running Lights, are just a few of the long list of features in the Tata Altroz.

Tata Tigor

The Tata Tigor is the elder sedan sibling of the Tata Tiago. Taking a lot of cues from the Tiago, the Tigor was built as a sedan to offer slightly better comfort and more leg room to consumers. The cutting-edge design, feature-rich infotainment system, and strong engine performance, all make the Tigor a great city cum highway vehicle. For all those music lovers, Tata has bestowed the car with an 8-speaker surround sound system from Harman Kardon for a pure listening experience.

Tata Nexon

The Tata Nexon is India’s first ever 5-star rated car. The mini-SUV from Tata has created a niche for itself with its quirky styling and its capability of handling bad roads and undulations without any hassle. The high ground clearance of the car gives you a commanding driving position and maximum visibility. The Nexon comes with a turbo-charged petrol engine and a diesel engine, that are both peppy enough for city drives and relaxed enough for long highway drives. A three-tone interior finish, an electric sunroof, LED DRLs, stylish central console, and a fully digital instrument cluster are a few of the car’s USPs.

Tata Harrier

A full-fledged SUV from Tata, the Harrier, is a bold-looking car with a strong road presence. When it comes to comfort, very few cars can match up to the Harrier. The robust KRYOTEC diesel engine in the Harrier combined with switchable drive modes makes it the perfect off-roading machine. That’s not to say that the car doesn’t do well on regular roads though. Dedicated cruise control, comfortable suspension, and large 17-inch tyres ensure that your long highway drives are comfortable.

Other Tata Models

Here's a quick look at a few of the other TATA cars currently on-road and the segments they come under.

Tata Car Models	Car Segment
Tata Safari	SUV
Tata Nexon EV (Electric Vehicle)	SUV

Why Does Your Tata Car Needs Car Insurance?

We have no doubt that you’re a safe and cautious driver. But you’ll agree that despite all precautions and care, accidents and unexpected mishaps are unavoidable. They may occur when you least expect them, and leave lasting damages to your car. While such incidents may not be in your control, there is one other thing that is well within your power. You can secure your vehicle with a car insurance plan.

Car insurance is important for your Tata car because it offers an added layer of safety for you and your vehicle. That’s not all. There is one kind of car insurance third-party insurance, to be specific - that is also a legal requirement needed to drive on Indian roads. The Motor Vehicles Act has mandated a minimum third party insurance cover for all vehicles plying in India. So, keeping your Tata car insured is not just an option, but a mandatory part of the car ownership experience.

Here are some other reasons why car insurance is important:

It reduces your liability

If an accident or an unexpected disaster occurs, your Tata car could not only suffer damages, but could also cause damages or losses to a third-party person or property. This will result in liabilities that you owe that third party. And here’s where your third-party insurance proves to be a useful addition. In case of an accident, the claims raised by the other person can be covered under this policy, thus reducing the financial burden you may be facing.

It includes cost of damage

Accidents, natural disasters or even theft of your car may unexpectedly occur. These incidents could result in steep costs that you may not be prepared to meet. A comprehensive car insurance policy proves to be very useful in such scenarios. This kind of holistic cover includes the cost of repairs or replacement of faulty parts, emergency assistance for breakdowns, and even the cost of any alternate commutes, if your Tata car goes in for repairs.

It puts your mind at rest

If you are a new driver who is getting used to the roads in India, it helps to know that you are insured by a Third-Party Cover, at the very least. This will give you the confidence you need to drive on the roads worry-free. And if you are an experienced driver , it’s likely that you’re already quite confident behind the wheel. Knowing that you are protected from any eventuality with an additional layer of insurance will make the whole experience of driving your Tata car all the more pleasant.

Tata Car Insurance Plan

Single Year Comprehensive >

If you’re looking for all-round protection but unsure of where to get started, the Single Year Comprehensive Cover from HDFC ERGO may be just what You're looking for. The plan includes a cover against the damages to your car as well as the damages to a third-party person or property. You can even customize the cover further with your choice of add-ons for additional protection.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

Third-party Cover >

Third-party Cover is a mandatory cover imposed by the Motor Vehicles Act, 1988. Under Third-party Cover, we offer you personal accident coverage coupled with protection against liabilities arising from third-party damage, injury or loss. If you only take your Tata car out for a spin on the roads occasionally, it’s a good idea to opt for this basic cover. This way, you can save yourself the trouble of having to pay any penalty for not being insured.

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

EXPLORE MORE GET A FREE QUOTE NOW!

Stand alone own damage cover >

The Third-party Cover protects you from the liabilities you owe others. But who takes care of your financial losses in an accident? This is where our Standalone Own Damage Cover proves to be the ally you need. It covers the costs to repair damages to your car arising from accidents, natural calamities, fires and theft. If you want to enjoy additional protection, go ahead and choose this optional cover in addition to the mandatory Third-party Cover.

Suitable for those who already have a valid third-party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Cover for brand new cars >

If you've just purchased a brand new Tata car, we're just as excited for you as you are! you're, no doubt, extremely careful about your new set of wheels. Why not enhance its security by opting for our Cover for Brand New Cars? This cover includes 1-year coverage against damages to your car arising due to accidents, natural calamities, and theft. It also gives you 3-year cover against any damages caused by your Tata car to a third-party person or property.

Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Tata Car Insurance Policy Inclusions and Exclusions

What is covered?
What is not covered?

Fire & Explosion

A fire or an explosion may cause burns and damages to your Tata car. But we’ll ensure that your finances are saved from such a catastrophe.

Covered in Car insurance policy - Calamities

Natural Calamities

Natural calamities can cause unexpected damage to your car. But with your Tata car insurance plan, you can rest assured that such an incident won't strain your finances.

Theft

A car theft is a massive financial loss. But with our insurance policy we will ensure that if such a nightmare comes to pass, your finances remain intact.

Accidents

Car accidents can cause immeasurable damages to your car. But no matter the extent of damage, our Tata car insurance policy will take care of it.

Personal Accident

Accidents not only damage your car, but it could injure you as well. The Tata car insurance plan takes care of your injuries as well. In case of injuries, your insurance plan covers any charges for any medical treatments.

Third-Party Liability

An accident involving your car may also cause damages to a third party, be it a person or property. In such cases, you need not worry about paying out-of-pocket to meet those liabilities because our car insurance has you covered.

Depreciation

Depreciation in the value of your Tata car occurring due to general wear and tear is not covered by car insurance.

Electrical & Mechanical Breakdown

Our car insurance policy also does not cover any financial liabilities due to electrical or mechanical breakdowns.

Illegal Driving

Damages occurring on account of illegal driving, such as driving without a valid driving license or driving under the influence of drugs or alcohol, is not covered by car insurance.

Tata Car Insurance Add-ons

You can enhance the protection offered by our car insurance and customize the cover for your Tata car with the following add-ons.

Zero Depreciation Cover

Your car is an asset that depreciates easily. So, in case of a claim arising due to damages to your car, the payout may be subject to depreciation cuts. With our Zero Depreciation Cover, you don’t have to worry about this since it protects your finances in such a scenario.

No Claims Bonus Protection

If you’re a cautious driver with a clean record, you deserve to be rewarded. Our No Claim Bonus Protection add-on ensures that the No Claim Bonus (NCB) you’ve accumulated over the years remains untouched and is carried on to the next slab.

Emergency Assistance Cover

When an emergency comes knocking, the Emergency Assistance add-on is the friend you need. The cover offers 24x7 emergency assistance services like refuelling, tyre changes, towing assistance, lost key assistance and arranging for a mechanic, among others.

Return to Invoice

This optional add-on is just what you need in case your car is stolen or damaged beyond repair. It ensures in case of a total loss; you get the original invoice value of your car, including the road tax and registration fees that you paid while purchasing the insurance policy.

Engine & Gear Box Protector

Taking care of your car’s engine is not just about changing the oil periodically or replacing the fuel filter. You also need to secure it financially, which is just what this add-on helps you do. The Engine and Gearbox Protector safeguards you against the financial burden occurring in case of damages to these vital car parts.

Downtime Protection

In case of accidents or damages to your car, you may face a temporary downtime when you might have to rely on public modes of transit. Depending on your transit requirements, this could turn out to be expensive. The Downtime Protection add-on offers you alternative transport or daily financial assistance to meet your transportation costs till your car is ready to use.

Why HDFC ERGO's Tata Car Insurance Should Be Your First Choice

Overnight Repair Service^¯

We’ve got your back 24x7, we’re always available and at your service!

8000+ Cashless Garages^**

Our vast network of cashless garages across the country ensures that we’re there wherever you need us.

Premium Starting At Just ₹2094^*

With premiums so low, you have no reason to remain uninsured.

Instant Policy & Zero Documentation

Securing your car is quick, easy and comes with no cumbersome paperwork.

Unlimited Claims^°

Need another reason to buy HDFC ERGO car insurance? We offer unlimited claims too!

Know Your Premium: Third-party Premium vs. Own Damage Premium

Third-party (TP) plan: In case of an accident, if your Tata car causes any damages to a third-party, you may find yourself facing unexpected liabilities. A Third-party (TP) plan protects you against such financial and legal liabilities arising out of an accident. By purchasing a Third-party plan for your Tata car, you can avoid penalties and protect your finances against any third-party claims. Above all, it is a reasonably priced policy for everybody. Wondering how? Well, the IRDAI has predefined the premium for Third-party plans based on the cubic capacity of every vehicle. This makes Third-party insurance impartial and affordable for all Tata car owners.

Own Damage (OD) insurance: Own Damage (OD) insurance for your Tata car is optional but highly beneficial. If your Tata car is damaged in case of an accident or on account of natural calamities like earthquakes, fires, or storms, there may be heavy expenses involved in rectifying such damages. Own Damage insurance covers these expenses.

Unlike the third-party premium, the premium for Own Damage insurance for your Tata car varies. Wondering why? Let us explain . The OD insurance premium for your Tata car is usually calculated on the basis of the Insured Declared Value (IDV), the zone, and the cubic capacity. Thus, your premium depends upon your car's specifications and the city in which your car is registered. The premium is also affected by the kind of coverage you choose - whether a bundled cover or a standalone own-damage cover enhanced with add-ons. Also, do keep in mind that any modifications to your Tata car could result in fluctuating premiums.

Calculate your Tata car insurance premium in a breeze

Buying car insurance for your Tata car is easy. All it takes is a few simple and quick steps. Take a look at what you need to do.

STEP 1

Enter your Tata car’s registration number.

STEP 2

Select your policy cover* (in case we are not able
to auto fetch your Tata car details, we will need a
few details of the car such as its make, model, variant,
registration year, and city).

STEP 3

Provide your previous policy
and No Claims Bonus (NCB) status.

STEP 4

Get an instant quote for your Tata car.

How to Buy/Renew Tata car insurance Online

You can buy Tata car insurance online without any hassle from HDFC ERGO website by going through following steps:

1. Visit HDFC ERGO’s website home page and click on car insurance icon.

2.Once you land on car insurance page, fill in the details,including your Tata car’s registration number, your mobile number and email address.

3. Choose a plan from comprehensive cover, standalone own damage cover and third party cover. If you opt for comprehensive or own damage plan, you can enhance the coverage by choosing add-on covers like zero depreciation, emergency roadside assistance, etc.

4. After choosing the plan, you can click on submit button and view quote.

5. Complete the process by paying the premium amount via online payment.

A confirmation mail along with the policy will be mailed to you on your registered email ID.

How to File a Claim Under Tata Car Insurance

Following are the steps you should go through to file a claim under Tata car insurance:

• Compulsorily file an FIR at the nearest police station in case of accidental/property damage, bodily injury, theft and major damages. If damage is a major one, the accident may be reported before the vehicle is removed from the spot so that the insurers can arrange for spot inspection of damage.

• Locate our wide network of 8000+ cashless garages on our website.

• Drive or have your vehicle towed to the nearest network garage.

• Our surveyor will assess all damages / losses.

• Fill in the claim form and provide the related documents as mentioned in the form.

• You will be updated through SMS/Emails on every stage of the claim.

• Once the vehicle is ready, pay your share of the claim consisting of compulsory deductible, depreciation etc to the garage and drive off. The balance would be settled by us directly with the network garage.

• Receive the claims computation sheet with entire break up for your ready records.

Documents Required to File Tata Car Insurance Claim

Accident Claims

1. Copy of Registration Certificate (RC)

2. Driver's license copy of the individual driving the insured vehicle at the time of the accident.

3. Copy of FIR filed at the nearest station. If the accident has risen out of a mutinous act, strikes or riots, then filing an FIR is mandatory.

4. Repair estimates from the garage

5. Know Your Customer (KYC) documents

Theft Claims

1. RC Book copy and the original key of your vehicle.

2. FIR filed at the nearest police station as well as the final police report

3. RTO transfer papers

4. KYC Documents

5. Letter of Indemnity and Subrogation

Find Us Wherever You Go

With HDFC ERGO car insurance, you can focus on conquering more roads and discovering unexplored pathways, because our car insurance coverage will continue to protect your Tata car round the clock. Our insurance plans for your Tata car ensure that you need not worry about any hiccups in your journey, thanks to our wide network of 8000+ exclusive cashless garages. Distributed all across the country, these cashless garages are equipped to offer you expert assistance, no matter where you are. You no longer need to worry about paying in cash for unexpected emergency help or repairs.

With the Cashless Garage facility from HDFC ERGO, you can rest assured that your Tata car always has a reliable friend irrespective of where you are, so any trouble or emergency need is taken care of promptly, anywhere, and at any time.

Top Tips for Your Tata Car

Tips for Cars Used Less Often

• Move your car around at least once a week; it will prevent the formation of flat spots on your tyres.
• Engine oil can degrade even when the car is not in use. So, ensure that you change the oil every 6 months or so.
• Check the health of the engine belt and rubber hoses regularly since they can degrade over time.

Tips for trips

• Check the engine coolant levels before you take the car out for an extended drive. Low levels of coolant can overheat the engine.
• Check the amount of tyre wear. Uneven treads, bulges, and other tyre damage can prove to be very costly when you’re driving at high speeds.
• Keep extra fuses for your car handy. You never know when you’ll need to replace a blown fuse.

Preventive Maintenance

• Rotate the tyres periodically. This will ensure that the tyres wear out evenly.
• Check your transmission regularly. Replacing a worn-out transmission can get quite costly.
• Keep an eye on the health of your brake pads. Using worn-out brake pads can damage your braking system, thereby putting you at risk.

Daily Dos and Don’ts

• If you’re driving a turbocharged engine, idle the car for a while before turning the engine off.
• Refrain from resting your hand on the gear shifter.
• Always ensure that you’re in a gear that matches your current speed.

Latest News on Tata

Tata Curvv EV Now Available With a Waiting Period of Four Weeks

The Tata Curvv EV now comes with a waiting period of upto four weeks, as per dealer sources. With the help of consistent stock arrivals at Tata showrooms, the EV is reaching customers faster. Tata Curvv EV is available in multiple variants with two battery options: a 40.5kWh pack for entry-level trims and a 55kWh pack for premium variants. With a 167-horsepower motor driving the front wheels, the Curvv EV can accelerate from 0 to 100 km/h in 8.6 seconds.

Published on: Nov 14, 2024

Tata Motors Collaborates With Two Firms to Expand Charging Infrastructure

Tata Motors collaborates with Delta Electronics India and Thunderplus Solutions to set up charging infrastructure for its range of electric. As part of the MoU inked between the parties, 250 new fast-charging stations for electric commercial vehicles would be set up across the country. Strategically located in and around over 50 cities, including metro cities., these charging stations will significantly increase the existing network of 540 commercial vehicle charging points.

Published on: Aug 22, 2024

Car Insurance for Popular Brands

Hyundai Car Insurance	Maruti Suzuki Car Insurance	Tata Car Insurance
Mahindra Car Insurance	Honda Car Insurance	Jeep Car Insurance
Volkswagen Car Insurance	Toyota Car Insurance	Datsun Car Insurance
Renault Car Insurance	Skoda Car Insurance	Kia Car Insurance
Bmw Car Insurance	Nissan Car Insurance	Ford Car Insurance
Audi Car Insurance	General Motors Car Insurance	Morris Garages Car Insurance

Car Insurance for Popular Indian Models

Hyundai Creta Car Insurance	Hyundai I20 Car Insurance	Maruti Suzuki Swift Car Insurance
Maruti Suzuki Alto Car Insurance	Maruti Suzuki Wagon R Car Insurance	Hyundai Grand I10 Car Insurance
Hyundai Verna Car Insurance	Honda City Car Insurance	Maruti Suzuki Baleno Car Insurance
Ford Ecosport Car Insurance	Hyundai I10 Car Insurance	Volkswagen Polo Car Insurance
Maruti Suzuki Ertiga Car Insurance	Maruti Suzuki Swift Dzire Car Insurance	Honda Amaze Car Insurance
Toyota Fortuner Car Insurance	Maruti Suzuki Vitara Brezza Car Insurance	Hyundai Venue Car Insurance
Toyota Innova Crysta Car Insurance	Volkswagen Vento Car Insurance	Renault Kwid Car Insurance
Skoda Rapid Car Insurance	Mahindra XUV 500 Car Insurance	Maruti Suzuki CIAZ Car Insurance
Mahindra Scorpio Car Insurance	Mahindra Thar Car Insurance	Maruti Suzuki Celerio Car Insurance
Hyundai Xcent Car Insurance	Renault Duster Car Insurance

8000+

cashless Garagesˇ Across India

Find your Nearest Cashless Garage

Frequently asked questions on Tata car insurance

What are the factors that affect car insurance prices?

The prices of your Tata car insurance are affected by several factors such as:
1. The age of your Tata car
2. The Insurance Declared Value (IDV)
3. The model of your Tata car
4. Your geographical location
5. The type of fuel your Tata car uses
6. The safety features that your car comes with

What types of car insurance plans are available?

To protect your Tata car and to safeguard yourself from the financial liabilities any repairs, damages or other incidents may bring along with them, you can choose from the following types of plans.
a. Third Party Cover
b. Standalone Own Damage Cover
c. Single Year Comprehensive Cover
d. Cover for Brand New Cars
Of these, the Third Party Cover is mandatory, while the others are optional.