Tata Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Tata car insurance policy online
Tata cars are known for their reliability and strength. However, owning a car is only half the journey; protecting it with the right car insurance is equally important. With Zurich Kotak, you can buy or renew your Tata car insurance online in just a few clicks—no paperwork, no hassle. Whether you’re buying a new policy or renewing an existing Tata insurance policy, you can get coverage instantly. This ensures your car is protected against accidents, theft, natural disasters, and third-party liabilities, giving you peace of mind every time you drive.
Why Do You Need Tata Car Insurance?
When you drive, your car is exposed to various risks, including accidents, theft, damage from natural events, and even potential legal liabilities. A Tata car insurance policy helps cover these uncertainties, so you’re not left with hefty bills.
● Financial Protection: Covers your own car damage, third-party property damage, and bodily injury claims.
● Peace of Mind: Drive without constant worry about unexpected costs.
● Legal Requirement: Insurance is mandatory under the Motor Vehicles Act.
Zurich Kotak lets you buy or renew your policy online quickly, with the option to customise it to suit your needs.
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Types of Tata car insurance plans
Choosing the right Tata car insurance plan is important to ensure your vehicle stays well-protected. Different types of policies are available, each offering a different level of coverage tailored to your specific needs.
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.
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.
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.
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What is Covered and Not Covered Under the Tata Car Insurance Policy?
Understanding what your Tata car insurance policy covers and excludes is essential for making informed decisions and ensuring proper protection for your vehicle. Here is a clear overview of the inclusions and exclusions in the Tata car insurance policy.
Accidental Damage
Covers repair or replacement costs if your Tata car suffers damage due to collisions or impact-related accidents.
Fire, Explosion & Self-Ignition
Protects your car against damage caused by fire, explosion, or spontaneous ignition.
Theft & Total Loss
Provides compensation up to the Insured Declared Value (IDV) if your vehicle is stolen or declared a total loss.
Natural Calamities
Covers damage caused by natural disasters, including floods, cyclones, storms, and earthquakes.
Third-Party Liabilities
Legally mandated cover for injury, death, or property damage caused to a third party by your insured vehicle.
Personal Accident Cover
Provides compensation for injury or death of the owner-driver up to the specified sum insured.
Mechanical & Electrical Failures
Pure mechanical or electrical breakdowns, as well as regular wear and tear, are not covered.
Consumables & Labour
Routine consumables (oil, nuts, bolts, lubricants) and excessive labour charges are excluded under the base policy.
Driving Without Licence / Under Influence
Claims are invalid if the driver does not hold a valid licence or is under the influence of alcohol or drugs.
Racing or Unauthorised Commercial Use
Damages caused while participating in racing events or using the car for unauthorised commercial purposes (such as ride-sharing or deliveries) are excluded.
War & Nuclear Risks
Losses arising from war, war-like operations, mutiny, or nuclear incidents are not covered (except terrorism, where applicable).
Intentional Damage
Any deliberate or fraudulent damage caused to the vehicle makes the claim void.
Benefits of Buying Tata Car Insurance Online
Buying and renewing Tata car insurance online offers unmatched convenience:
● Instant Tata car insurance renewal without paperwork.
● Transparent comparison of premiums and features.
● Access to policy documents digitally anytime, anywhere.
● Exclusive online discounts on premium rates.
● Easy claim registration and tracking through digital portals.
● Quick customisation with add-ons for enhanced coverage.
With Zurich Kotak, securing Tata car insurance online is faster, simpler, and more cost-effective, ensuring reliable protection and stress-free renewals.
Tata car insurance add-ons
To strengthen your Tata car insurance policy, you can choose from a range of car insurance add-ons that provide extra financial protection and convenience. These covers help you manage unexpected costs that may not be included in a standard policy.
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)
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
Covers repair or replacement costs if the engine or gearbox is damaged due to oil leakage, water entry, or sudden mechanical failure.
Consumables Cover
Covers small but essential items, such as screws, nuts, bolts, filters, and lubricants, during claim-related repairs.
Return to Invoice Cover
Bridges the gap between the Insured Declared Value (IDV) and the original invoice price in the event of total loss or theft. Also covers registration and road tax.
Loss of Personal Belongings
Compensates for stolen or damaged personal items kept in the car, within policy limits.
Tyre Protect Cover
Covers the repair or replacement of tyres and tubes damaged due to potholes, debris, or accidents (excluding normal wear and tear).
Clutch Protect Cover
Covers repair or replacement costs of clutch parts in the event of damage due to excessive use or clutch burn.
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys, including smart keys, ensuring convenience and security.
Why choose Zurich Kotak for your Tata car insurance?
With Zurich Kotak, your Tata car insurance is simple to buy, easy to renew, and supported by a vast garage network whenever you need it.
Zurich Kotak General Insurance stands out for delivering comprehensive protection and unmatched service for Tata car owners. With our Tata car insurance plans, you can expect flexible coverage options customised to suit your needs, whether you prefer comprehensive, OD, or third-party cover.
Extensive Cashless Network
Access over 4,600 garages nationwide for smooth claim processing.
Digital Convenience
From policy issuance to Tata car insurance renewal online, everything is quick and paperless.
Customisable Add-ons
Choose zero depreciation, roadside assistance, and engine protection to maximise your policy’s benefits.
Affordable Premiums
Transparent pricing ensures you manage your Tata car insurance price effectively.
Reliable Claims Process
Simple documentation, dedicated support, and fast settlement.
24/7 Assistance
Always available to support you during emergencies.
How to buy or renew a Tata car insurance Policy?
Purchasing or renewing Tata car insurance with Zurich Kotak is quick and paperless. The process is as follows:
Visit Zurich Kotak’s official website.
Enter your Tata car registration and policy details.
Choose the policy type: comprehensive, own damage, or third-party & Select add-ons like zero depreciation or roadside assistance.
Review premium and coverage details & Make a secure online payment.
Receive your instant digital policy via email/SMS.
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Reviews & Ratings
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Factors Impacting the Premium of Tata Car Insurance
Several factors influence your Tata car insurance price:
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 renew your Tata car insurance for old cars?
Renew your old car with ease, we're here to help
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 –
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
Enter your policy number and mobile number and click on ‘Submit’.
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.
Pay the renewal premium and your policy will be done instantly!
How to file a car insurance claim at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents required for filing a car insurance claim
To file a Tata car insurance claim smoothly, make sure you have all the necessary documents ready:
Having these documents ready ensures a faster and smoother claim process.
Insurance Policy Copy – Keep a digital or printed copy of your policy.
Valid ID Proof – Any government-issued photo ID of the policyholder.
Driver’s Licence – The licence of the person driving at the time of the accident.
Completed Claim Form – Fill in and sign the claim form provided by the insurer.
FIR Copy – Required in case of theft, loss, or any third-party (TP) claim.
Repair Estimate – If your vehicle needs repairs, have an estimate ready (if requested).
Additional Documents – The insurer may ask for further documents after inspecting your vehicle.
How to download your Tata car insurance policy copy
Here is your step-by-step guide to access your 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.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
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.
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Frequently Asked Questions
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.