Motor InsuranceCar InsuranceTata Car Insurance

Tata Car Insurance

Car insurance price starting at just ₹2,094*

Tata Car Insurance
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Types of Tata car insurance plans

Comprehensive Car Insurance Policy (Extensive Protection)

A comprehensive car insurance policy provides the highest level of cover. It not only takes care of third-party liabilities but also protects your own vehicle against accidents, theft, fire, natural disasters, and man-made incidents. This policy provides comprehensive financial protection in unexpected situations. You can also enhance coverage with add-ons such as zero depreciation , engine protection , or roadside assistance , making it a wise choice for new or high-value Tata cars.

Third-Party Car Insurance Policy (Mandatory Coverage)

A third-party car insurance policy is the minimum legal requirement for driving in India. Also called a liability-only cover, it provides financial protection if your vehicle causes injury, disability, death, or property damage to a third party. While it does not cover damages to your own car, it ensures you remain legally compliant and safe from heavy third-party expenses.

Stand-Alone Own Damage Car Insurance Policy

A stand-alone own damage (OD) car insurance policy focuses on protecting your own car. It covers damages caused by accidents, theft, natural calamities, fire, and other unforeseen incidents. However, to buy this policy, you must already hold a valid third-party liability cover. This option is ideal for Tata car owners who want to strengthen their protection beyond the basic legal requirement.

Tata car insurance add-ons

Depreciation Cover

Depreciation Cover

Ensures full claim settlement for replaced car parts without depreciation deductions. Especially useful for new or high-value Tata cars.

Roadside Assistance (RSA)

Roadside Assistance (RSA)

Provides 24/7 emergency support across the country, including towing, fuel delivery, battery jump-starts, flat-tyre replacement, and minor on-spot repairs.

Engine Protect

Engine Protect

Covers repair or replacement costs if the engine or gearbox is damaged due to oil leakage, water entry, or sudden mechanical failure.

Consumables Cover

Consumables Cover

Covers small but essential items, such as screws, nuts, bolts, filters, and lubricants, during claim-related repairs.

Factors Impacting the Premium of Tata Car Insurance

Insured Declared Value (IDV): A higher IDV means a higher premium.
Car Age & Model: Older cars usually attract lower premiums.
Location: Urban, high-traffic areas increase the risk, leading to higher premiums.
Add-ons: Adding more add-ons increases the total cost.
Claim History: A history of frequent past claims may result in higher renewal premiums.
No Claim Bonus (NCB): Lowers the premium for claim-free years.
Engine Capacity & Fuel Type: Larger engines may attract higher premiums.

How to download your Tata car insurance policy copy

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
1

Click on the link

2

Enter your policy number

3

Enter your registered mobile number Or your registered email Id

4

Click on Get OTP

5

Type the OTP and click on download car insurance policy document

How to file a car insurance claim at Zurich Kotak General Insurance

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

How to renew your Tata car insurance for old cars?

With Zurich Kotak General Insurance, you can renew car insurance policy by just entering your existing policy number or customer ID on the page. Once your policy number/customer ID is verified, you can make the payment to renew your insurance instantly. Want to renew your car insurance policy? Zurich Kotak makes your job easy! Zurich Kotak Car Insurance can be done online in a few simple steps. Read on how –
1
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
2
Enter your policy number and mobile number and click on ‘Submit’.
3
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.
4
Pay the renewal premium and your policy will be done instantly!

Frequently Asked Questions

Questions you may have about Zurich Kotak General Insurance

The Tata car insurance price depends on various factors, including model, age, IDV, location, and selected add-ons. Premiums start from around ₹2,094* for basic third-party cover. Opting for comprehensive policies or add-ons, such as zero depreciation and RSA, will increase costs but provide better protection. Comparing policies online helps Tata car owners find the right balance between affordability and coverage.

Yes, Zurich Kotak allows customisation of your Tata insurance policy with add-ons such as roadside assistance, engine protection, and zero depreciation. You can also adjust deductibles and coverage types depending on your car’s usage, age, and budget. Customising ensures you only pay for the coverage that matters, making your online Tata car insurance purchase cost-effective.

Discounts include No Claim Bonus (NCB) for claim-free years, voluntary deductibles, and benefits for installing ARAI-approved anti-theft devices. Policyholders with membership in recognised automobile associations may also enjoy special concessions. Together, these discounts make online Tata car insurance renewal more affordable while keeping your vehicle financially protected.

The Roadside Assistance (RSA) add-on provides towing services, fuel delivery, flat tyre replacement, battery jump-start, and minor on-site repairs. It ensures you’re never stranded in emergencies, especially during long drives. Including RSA in your Tata car insurance policy offers convenience, safety, and peace of mind for both daily commuting and outstation trips.

Yes, comprehensive Tata car insurance covers own damage and third-party liabilities. It covers theft, fire, natural disasters, and accidents. While it costs more than third-party insurance, comprehensive plans are strongly recommended for new, expensive, or frequently used Tata cars. The wider coverage ensures complete financial protection and peace of mind.

Zero depreciation cover ensures full claim settlement without deductions on parts like plastic or glass. It is ideal for new or luxury Tata cars, helping you avoid out-of-pocket repair costs and preserve your car’s value.

The Insured Declared Value (IDV) reflects the market value of your Tata car and acts as the maximum sum assured in case of total loss or theft. IDV directly impacts both the premium and the claim amount. Choosing the correct IDV during the purchase of your Tata insurance policy ensures a fair settlement and a balanced Tata car insurance price.

The premium for Tata car insurance online is calculated based on IDV, age, model, location, fuel type, engine capacity, add-ons, and claim history. Zurich Kotak’s online premium calculator helps estimate costs instantly. By adjusting add-ons and deductibles, you can optimise the Tata car insurance price to suit your budget while ensuring adequate coverage.

Yes, third-party liability insurance is mandatory under the Motor Vehicles Act, 1988. Driving without a valid Tata car insurance attracts penalties and legal issues. Most Tata owners prefer comprehensive cover for broader protection against damage, theft, and calamities, especially when purchasing new cars.

Yes, every Tata insurance policy includes third-party liability cover. It compensates for injury, death, or property damage caused to third parties in an accident. This coverage is mandatory and ensures legal compliance while shielding you from unexpected financial liabilities. Comprehensive policies additionally cover your own car’s damages.

Yes, comprehensive Tata car insurance covers damages from natural calamities, such as floods, earthquakes, and storms, as well as man-made disasters like theft, riots, and vandalism, including add-on options.

Tata car insurance offers a No Claim Bonus (NCB) on renewal, starting at 20% after the first claim-free year and increasing up to 50% after five consecutive claim-free years, applied to the Own Damage premium. This rewards safe driving and claim-free years with significant premium discounts.