Tata Nexon EV Car Insurance Online
Power your Tata Nexon EV journeys with Zurich Kotak Car Insurance – comprehensive coverage, instant online purchase.
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Tata Nexon EV Car Insurance Online
The Tata Nexon EV is one of India’s most popular electric cars, blending innovation with practicality. With its stylish design, advanced safety features, and eco-friendly performance, it has become a preferred choice for drivers making the shift to sustainable mobility.
Whether it’s the standard Nexon EV Prime or the long-range Nexon EV Max, owning this EV means enjoying cutting-edge technology—from regenerative braking to connected car features. But while the EV reduces running costs and carbon footprint, it also introduces unique risks, such as battery-related expenses, charger damage, and specialised repair costs.
That’s where Zurich Kotak Tata Nexon EV Insurance steps in. It ensures your investment remains secure, covering not just the basics like accidents and theft, but also offering EV-specific add-ons to keep you protected against high-cost components and unexpected challenges.
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Benefits of buying Tata Nexon EV car insurance online
Choosing Zurich Kotak for your Nexon EV means more than just meeting legal requirements. Here are the advantages of buying or renewing your EV insurance online:
Types of car insurance plans for Tata Nexon EV
Zurich Kotak offers three policy types, depending on your needs and usage:
● Legally mandatory for all vehicles, including EVs.
● Covers injury, death, or property damage caused to third parties by your Nexon EV.
● Does not cover your own vehicle.
● Protects your Nexon EV from damage due to accidents, theft, fire, and natural/man-made disasters.
● Useful for EV owners who already hold a valid third-party policy.
● Combines third-party liability and own damage in one plan.
● Allows EV-specific add-ons, such as a battery cover, charger cover, and zero depreciation.
● Recommended for full coverage of your Nexon EV, its battery system, and third-party risks.
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Tata Nexon EV Car Insurance Coverage
What’s Covered
With Zurich Kotak’s comprehensive Nexon EV insurance, you are protected against:
● Accidental damage: Costs of repairing your EV after collisions or mishaps.
● Theft: Full IDV reimbursement if your Nexon EV is stolen.
● Fire damage: Coverage for loss due to fire, explosion, or self-ignition.
● Natural calamities: Floods, earthquakes, landslides, storms, and other natural events.
● Man-made disasters: Riots, strikes, or malicious acts.
● Third-party liability: Protection against legal liability for injury, death, or property damage caused to others.
● Personal accident cover: Mandatory cover for the owner-driver.
● Add-ons: EV-specific covers like battery, charger, roadside assistance, and motor protection.
What’s Not Covered
Certain situations are excluded to ensure fair and responsible use:
● Normal wear and tear of the battery or parts.
● Mechanical/electrical breakdowns not caused by accidents.
● Driving without a valid licence or under the influence of drugs/alcohol.
● Use of the EV for illegal racing or unlawful activities.
● Damage outside geographical limits (unless coverage is extended).
● Claims arising due to negligence, such as ignoring manufacturer maintenance guidelines.
By outlining car insurance inclusions and exclusions clearly, Zurich Kotak ensures Nexon EV owners know exactly where protection applies.
Why Nexon EV Owners Need Specialised Insurance
The Nexon EV isn’t just another car—it’s powered by advanced lithium-ion batteries, complex electronics, and dedicated charging equipment. Repair and replacement costs for these components can be much higher than those for regular petrol/diesel cars.
Here’s why a tailored insurance plan is crucial:
● Battery replacement costs: A new EV battery can cost ₹5–7 lakh, depending on capacity.
● Charger expenses: Replacement of a home or portable charger can cost ₹40,000–₹60,000.
● Specialised garages: Repairs often require authorised EV service centres.
● Towing requirements: EV breakdowns may need specialised towing arrangements.
With Zurich Kotak, Nexon EV owners get access to EV-specific add-ons and services, ensuring financial safety against these unique risks.
Average Repair & Maintenance Costs for Tata Nexon EV
Maintaining an EV is usually cheaper in the long run, but repair costs for specialised parts are significant:
Repair/Component | Estimated Cost (₹) |
Battery replacement | 5,00,000 – 7,00,000 |
Portable charger replacement | 40,000 – 60,000 |
Tyre replacement (set of 4) | 25,000 – 40,000 |
Windshield replacement | 8,000 – 12,000 |
Electrical system repairs | 20,000 – 50,000 |
These numbers highlight why EV-focused insurance is essential. Zurich Kotak’s Nexon EV insurance reduces these risks significantly.
Zurich Kotak’s Network Advantage for Nexon EV Owners
Zurich Kotak’s cashless garage network ensures:
● Authorised EV repair centres for specialised diagnostics.
● Genuine parts replacement, including battery modules and electronic systems.
● Direct billing with garages, saving you from upfront costs.
● Nationwide coverage, supporting you even during intercity EV trips.
This makes owning and maintaining your Nexon EV easier, safer, and stress-free.
How to Buy Tata Nexon EV Car Insurance?
Zurich Kotak makes it simple to secure your Nexon EV. Here’s how you can buy your policy online:
Visit Zurich Kotak’s official website.
Enter your car details – registration number, make, model, year, and variant (EV Prime, EV Max, etc.).
Choose the plan – Third-Party Car Insurance, Own Damage Car Insurance, or Comprehensive Car Insurance.
Customise your coverage with EV-specific add-ons, such as battery protection or charger cover.
Review the premium breakdown – check inclusions, exclusions, and add-on costs.
Pay securely online through trusted digital gateways.
Receive instant policy issuance – a soft copy is emailed immediately.
This process is fully paperless and ensures your Nexon EV is covered within minutes.
Add-ons for Tata Nexon EV car insurance
EV ownership comes with unique challenges, and Zurich Kotak offers add-ons designed to cover them:
Battery Cover
Protects against repair or replacement costs of your EV’s lithium-ion battery, which is the most expensive component.
Charger Cover
Covers damage or theft of home and portable chargers.
Zero Depreciation Cover
Ensures you receive the full claim amount for replaced parts, without depreciation deductions.
Roadside Assistance
Includes towing to charging stations, flat tyre replacement, and emergency charging support.
Engine Protect Cover
Covers the electric motor, gearbox, and key electronic components from damage due to leakage, short circuits, or water ingress.
Consumables Cover
Protects small but essential items like coolant, brake fluid, or nuts and bolts, often excluded in standard policies.
Key Replacement Cover
Lost or damaged your car keys? This add-on covers the cost of replacement or reprogramming of keys and locksets due to theft or accidental damage.
Tyre Protection Cover
Covers repair or replacement costs of EV-specific tyres, which are often costlier.
Return to Invoice Cover
In case of total loss or theft, it reimburses the difference between the Insured Declared Value (IDV) and the car’s invoice price.
Personal Belongings Cover
Protects against theft of laptops, phones, or other valuables from your insured car.
Personal Accident Cover
Provides compensation for the owner-driver in case of disability or death due to an accident.
Why choose Zurich Kotak for Tata Nexon EV car insurance
Zurich Kotak brings reliability, expertise, and EV-specific solutions. Here’s why Nexon EV owners prefer it:
With Zurich Kotak, your Nexon EV is insured by a partner who understands the unique needs of electric vehicles.
High claim settlement ratio
Proof of reliability during emergencies.
EV-ready cashless garage network
Authorised centres equipped for battery and motor repairs.
Custom add-ons
EV-focused covers like battery and charger protection.
Instant issuance & renewals
Fully digital, paperless process.
Affordable premiums
Transparent pricing without hidden charges.
24x7 assistance
Support for emergencies, renewals, and claims.
Trusted expertise
Zurich Kotak combines global standards with Indian market knowledge.
Zurich Kotak claim settlement advantage
When it comes to EVs, claim settlement speed and reliability matter most because costs can be significant. Zurich Kotak offers:
High Claim Settlement Ratio (CSR)
A track record of honouring claims, ensuring reliability.
Fast processing
Streamlined claim verification for quicker payouts.
Cashless convenience
Direct settlement with authorised EV-enabled garages.
Dedicated claim support
Assistance throughout the process for a hassle-free experience.
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How is the Tata Nexon EV car insurance premium calculated?
Premiums for EVs differ slightly from petrol/diesel cars due to their components. For the Nexon EV, Zurich Kotak considers:
● Insured Declared Value (IDV): Reflects the market value of your EV. Higher IDV = higher premium but better protection.
● Car Variant & Model: Premiums differ for Nexon EV Prime and EV Max variants.
● Battery System Value: Since the battery is the costliest part, it influences the premium significantly.
● Car Age: Older EVs have lower IDV, reducing premiums.
● Location: Cities with heavy traffic or higher accident/theft rates have higher premiums.
● Add-ons Selected: Battery protect cover, zero depreciation, and roadside assistance cover increase premiums slightly but add more protection.
● Policy Type: Comprehensive policies cost more than third-party-only but provide complete security.
● Driving History & NCB: Claim-free years earn discounts of up to 50%.
Zurich Kotak ensures transparency with a clear premium breakdown, helping Nexon EV owners understand exactly what they are paying for.
Tips to lower your Nexon EV insurance premium
EVs already save on fuel and maintenance. Here’s how to further optimise insurance costs:
Install anti-theft devices approved by ARAI for discounts.
Opt for voluntary deductibles if you’re confident about safe driving.
Maintain a No Claim Bonus (NCB) by avoiding small claims.
Bundle policies (e.g., home + car insurance) for possible multi-policy discounts.
Choose add-ons wisely – focus on EV-specific needs rather than generic covers.
Renew on time to avoid lapses that cancel NCB benefits.
How to renew car insurance for an old car
Renewing your policy is just as important as buying one. Delays can result in lapses, penalties, or loss of No Claim Bonus (NCB). Zurich Kotak makes renewal seamless:
Visit the Zurich Kotak renewal page.
Enter your existing policy number and Nexon EV details.
Check renewal premium and add-ons (you can adjust coverage if needed).
Pay online securely and Download your renewed policy copy from the portal or email.
How to file a claim for car insurance online?
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
What are the documents required to raise claim Tata Nexon EV car insurance India
Keeping documents ready ensures faster settlement:
Submitting complete paperwork avoids delays and ensures quick approvals.
Copy of your Zurich Kotak Nexon EV policy.
Registration Certificate (RC) of the vehicle.
Valid driving licence of the person driving at the time of the incident.
Police FIR (mandatory for theft, third-party damage, or serious accidents).
Repair bills and cost estimates (for reimbursement claims).
Completed claim form provided by Zurich Kotak.
Any further requirements will be conveyed basis inspection
How to download your car insurance policy copy?
Here is your step-by-step guide to access your policy copy
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
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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FAQs on Tata Nexon EV car insurance
Yes, EV insurance premiums can be slightly higher because of the higher cost of components like batteries and motors. However, Zurich Kotak balances this with affordable premiums and EV-specific add-ons.
The battery protection add-on is the most important, as battery replacement is the single most expensive EV repair, often costing ₹5–7 lakh.
Yes. If you switch from a petrol/diesel vehicle to a Nexon EV, you can transfer your accumulated NCB, provided you renew within the stipulated grace period.
No. Charger protection is usually excluded from standard policies. You need to add the Charger Cover add-on for protection against loss or damage.
Yes. Comprehensive policies cover your Nexon EV across India. Roadside Assistance add-on further ensures help is available during long highway trips.
If your policy lapses, you may lose your NCB and be penalised for driving uninsured. Zurich Kotak recommends renewing before expiry for uninterrupted coverage.
You should notify Zurich Kotak immediately. The sooner you file, the quicker the claim is processed. Emergency assistance is available 24x7.
Yes, but only with the Tyre Protection add-on, which covers repair or replacement costs.
Yes. Discounts are available for anti-theft devices, voluntary deductibles, and maintaining a no-claim record.
Yes. From buying and renewing policies to downloading copies and filing claims, the entire process is digital, transparent, and convenient.
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