Tata Car Insurance Online

In India, cars are often a once-in-a-lifetime purchase. Thus, it is crucial to pick the right vehicle the first time around. Tata Motors has managed to captivate a large section of Indian consumers owing to these following features:

• Enhanced Safety - Safety is a big concern when choosing a vehicle, especially if it serves as a family car. Cars from Tata always employ cutting-edge safety technologies. Tata Nexon was the first Indian car to score a 5-star rating in the Global NCAP safety measurement scale. Additionally, the impressive build quality of these vehicles also ensures protection against minor impacts.
• Tata Vehicles Signify Affordability - India is home to several budget-friendly car brands. However, none are as competitively priced as the Tata Nano. The vehicle was launched as the cheapest car available in the country, with prices hovering near the Rs.1 lakh mark. Apart from the Nano, other Tata vehicles are also priced judiciously, ensuring affordability.
• Tata Cars Strive for Optimal Comfort - While budget is a primary concern for car owners, comfort is another characteristic that consumers tend to prioritise when choosing a vehicle. Tata vehicles are equipped to ensure maximum comfort for riders, even on longer journeys.
• If You Want SUVs, Tata is the Brand you should choose - For a long time, Tata dominated the SUV market in India. With Sierra, Sumo, Safari, Hexa and Harrier, Tata is the perfect brand to choose if you are in need of utilitarian cars. Additionally, the brand also offers electric vehicles in its SUV segment, offering an option to consumers looking for an eco-friendly option.

As is evident from the above pointers, Tata vehicles are prized possessions for owners. Therefore, Tata Motors car insurance renewal and purchase is an integral part of owning such a car.

Listed below are some reasons to opt for a Tata car insurance policy, apart from the legal compulsion of covering a motorised vehicle.

Why do Tata Car Owners Need Insurance?

• Financial Protection against Third-party Damages - When your vehicle crashes into another car, it can damage a third-party individual, car or property. In such an event, you are liable to bear the expenses of repair for the third-party property. With a third-party liability policy for your Tata car, you can avoid personal financial loss, instead claiming coverage from your insurer.
• Coverage for Own Damage Expenses - Comprehensive Tata Motors insurance policy includes coverage for damages to your own car, along with the third-party liability features. Therefore, you can freely claim financial assistance to repair any damage suffered by your Tata vehicle due to an accident. Moreover, own damage insurance policies also allow claims for damages sustained during riots, natural calamities, fires and more.
• Insurance can Help you Replace Stolen or ‘Totalled’ Car - Your Tata car insurance plan offers a substantial amount, known as Insured Declared Value (IDV) in certain conditions, such as when you experience theft of the vehicle. Rather than bearing the financial repercussions from such loss, policyholders can claim their insurance plan to replace the cars. Similarly, if an accident damages your Tata vehicle beyond repair, you can also claim this IDV amount from your insurer.
• Personal Accident Cover Availability - Regardless of how careful you are while driving, accidents are unavoidable occurrences. In case of particularly severe accidents, driver-owners may suffer from permanent disability or even death. For such cases, you can claim under a personal accident cover, which is a significant sum that can aid you and your family to recover from such an incident. Availing this particular cover alongside car insurance is mandated by IRDAI.
• Utilising No Claim Bonus - Tata insurance plans provide specialised benefits to policyholders who experience claim-free policy years. Such benefits can earn you a hefty discount on your own-damage premiums during policy renewal.

However, simply knowing that you need car insurance is not enough. You must also pick the perfect insurance provider, based on the products, facilities and service quality they offer.

For instance, Digit, for instance, is a reputed insurer that Tata vehicle owners must consider for your car’s insurance policy. 

But, why must you select Digit?

At Digit, we offer well-rounded Tata car insurance policies suitable for your diverse needs. Additional benefits include –

• Digital Claim Settlement - Are you wary of lining up outside your insurance provider’s offices to submit a claim application? We do away with such lengthy procedures, instead of allowing claim applications over the internet. With no waiting involved, policyholders can claim their vehicular insurance plans in a matter of minutes.
• Reliable Customer Care - Our customer care team is well-equipped to handle all your questions regarding a particular Tata Motors insurance policy. We are available 24 hours a day, and our team members work even on national holidays. Thus, regardless of the time of your call, there is always someone ready to assist you in our offices.
• Seven Practical Add-ons - Our policies are extremely customisable, allowing you to choose additional safeguards in the form of riders. These add-on covers include Roadside Assistance, Engine Protection, Tyre Protection, Passenger Cover and more.
• Network Garages throughout India - If you drive into one of our network garages, you can avail cashless repairs for accidental damages. Thus, you do not need to bear repair costs from your own pocket and then wait for reimbursement from us. We directly cover all repair expenses at these network outlets, minimising financial liability. Did we mention that we have over 1000 network garages in India?
• Fast Claim Settlements - With the speedy settlement of claims, our policyholders do not need to wait long for the funds to be credited into their accounts. Accelerated settlements also ensure minimum hassle in acquiring the funds since you do not need to keep checking the status of your claim.
• Customisation of IDV - Generally, IDV is a fixed amount, based on the current market valuation of your Tata car minus its depreciation. At Digit, we allow our policyholders to alter this IDV as per their wishes. Higher IDVs can result in complete financial protection in the event of car theft or destruction.

You may think that such feature-rich policies would be too expensive, but this is not the case for Digit’s Tata car insurance policies.

Did you know you can reduce policy premiums further?

Policyholders can influence their premiums based on certain choices. Listed below are some ways how you can reduce the premium burden.

• Opt for Voluntary Deductibles - All Tata Motors insurance policies come with a compulsory deductible clause. However, policyholders can reduce premiums by opting for an additional deductible in the form of voluntary deductibles. Nevertheless, keep in mind that increasing deductible for a policy also reduces its coverage amount.
• Compare Various Policies - Choosing a pocket-friendly car insurance plan involves comparing all available products in the market. For example, Digit’s comprehensive Tata car insurance policies are extremely affordable, starting at just Rs.6810 (excluding GST).

Lastly, keep in mind that opting for add-on covers will increase the premium burden for a particular policy. Thus, you should only choose the riders that you require and not more.

Digit offers enough choices to policyholders when it comes to customising their plans. Thus, you can alter available policies in a way that it suits your specific needs. With an entirely digital process, availing and claiming insurance is easier today than ever before.

Stay safe and drive safe!