Buying or renewing Tata car insurance online is quick and convenient. You can compare coverage options, choose a plan that suits your requirements, and complete the process from anywhere.

Some of the benefits of buying your policy online include:

• Convenience: Buy, renew, or manage your policy anytime without visiting a branch.
• Easy Comparison: Compare available coverage options to choose the plan that best suits your needs.
• Customisable Coverage: Enhance your policy with optional add-ons* such as Depreciation Reimbursement or Roadside Assistance (Basic/Additional), available at an additional premium.
• Paperless Process: Complete the purchase online and receive your policy documents digitally.
• 24×7 Customer Support: You may also get round-the-clock assistance for policy-related queries and claims.

Choosing the right Tata car insurance depends on the level of protection you need.

Third-Party Car Insurance

Third-party insurance is mandatory under the Motor Vehicles Act for vehicles driven on public roads in India. It covers your legal liability if your Tata causes injury, death, or property damage to a third party. However, it does not cover damage to your own vehicle.

Comprehensive Car Insurance

A comprehensive car insurance policy offers broader protection by covering both third-party liabilities and damage to your Tata caused by accidents, theft, fire, and certain man-made events, subject to the policy terms and conditions. You can also enhance your policy with optional add-ons* based on your coverage requirements.

Standalone Own Damage Car Insurance

A standalone own damage policy covers damage to your Tata caused by accidents, theft, fire, natural calamities, and other covered risks. It does not include third-party liability and can be purchased only if you already have a valid third-party car insurance policy.

The following are included in a comprehensive Tata Car Insurance policy:

• Damage to Your Vehicle – Covers the repair costs if your car is damaged due to an accident, subject to the policy terms.
• Personal Accident Cover – Offers financial protection in the event of accidental death or permanent disability. Coverage may also be extended to passengers, depending on the policy.
• Third-Party Liability – Covers your legal liability if your vehicle causes injury, death, or property damage to a third party.
• Natural Calamities – Provides coverage for damage caused by events such as floods, cyclones, earthquakes, storms, and other natural disasters.
• Man-Made Incidents – Helps cover losses arising from incidents such as riots, vandalism, strikes, or malicious acts, as specified in the policy.
• Theft or Total Loss – Helps protect you financially if your insured vehicle is stolen or suffers a total loss, as per the policy terms.

While comprehensive insurance offers broad coverage, it also has certain exclusions. These include:

• Damage Caused by an Unauthorised Driver – Claims may not be accepted if the vehicle was being driven by someone not authorised under the policy.
• Driving Without a Valid Driving Licence – Losses occurring while the vehicle is driven by someone without a valid driving licence are generally not covered.
• Driving Under the Influence of Alcohol or Drugs – Claims arising from accidents caused while driving under the influence are typically excluded.
• Normal Wear and Tear – Regular wear and tear, depreciation, and mechanical or electrical breakdowns are not covered under a standard policy.
• Use Outside the Policy Terms – Claims may not be covered if the vehicle is used for purposes not permitted under the policy, such as using a private car for commercial purposes.

Disclaimer: The above list of inclusions & exclusions is illustrative and not exhaustive. For a full list of exclusions, please refer to the policy wordings.

Add-ons* for Tata Car Insurance

You can enhance your Tata car insurance policy with add-ons* for broader protection. Some commonly available options include:

• Depreciation Reimbursement: Covers depreciation on replaced parts during repairs.
• Protection of NCB: Helps retain your No Claim Bonus after an eligible claim.
• Return to Invoice: Covers the financial gap between the claim amount and the original invoice value in case of theft or total loss of the vehicle.
• Key Replacement: Covers the cost of replacing lost or damaged car keys.
• Inconvenience Allowance: Provides a daily cash benefit while your car is under repair.
• Loss of Personal Belongings: Covers loss or damage to belongings kept inside the car.
• Basic Roadside Assistance: Includes towing, battery jump-start, flat tyre assistance, and minor repairs.
• Additional Roadside Assistance: Provides extended roadside support and emergency assistance.
• Engine Guard: Covers engine damage caused by water ingress or oil leakage.
• Cover for Consumables: Covers the cost of consumables used during claim-related repairs.
• EMI Protector: Pays your car loan EMIs for a specified period if your car is under repair after an insured accident.
• Enhanced Personal Accident Cover: Provides higher financial protection in case of accidental death or disability.

Buying Tata car insurance online through SBI General Insurance is simple and convenient. Follow these steps to get your policy:

• Enter Your Details: Visit the SBI General Insurance website or mobile app and provide your vehicle and personal details to receive a quote.
• Choose Your Coverage: Select the type of insurance plan and enhance it with optional add-ons* based on your coverage requirements.
• Review and Make the Payment: Verify your policy details, complete the online payment, and receive your policy document digitally via email.

Tata car insurance renewal online for SBI General Insurance’s motor insurance policy takes just a few minutes.

• Log In: Sign in to the SBI General Insurance website or mobile app using your registered mobile number.
• Select Your Policy: Choose the Tata car insurance policy you want to renew and review the coverage and optional add-ons*.
• Update Your Details: Modify your vehicle or personal information, if required, before proceeding.
• Complete the Payment: Review the renewal premium, make the payment securely online, and receive your renewed policy document via email.

If your Tata car is involved in an accident or any other event covered under your SBI General Insurance policy then, you can raise a claim by following these simple steps:

• Register Your Claim: Intimate SBI General Insurance through the website, mobile app, or customer support and provide the required policy and incident details.
• Submit the Required Documents: Share the necessary documents for claim assessment and vehicle inspection, if applicable.
• Vehicle Inspection: A surveyor may inspect the vehicle to assess the extent of the damage, depending on the nature of the claim.
• Claim Approval: Once the claim is assessed and approved, you will be informed about the next steps.
• Repair and Settlement: After approval, repairs can be carried out. For cashless claims, the claim amount is settled directly with the network garage.

Choosing the right insurer is just as important as choosing the right coverage. SBI General Insurance offers Tata car insurance plans with flexible coverage options, allowing you to choose from third-party, comprehensive, or standalone own damage insurance based on your requirements. You can also enhance your policy with optional add-ons*, available at an additional premium.

• 8,700+ Network Garages: Access a wide cashless garage network across India for convenient vehicle repairs.
• Smooth Claims Process: Benefit from a streamlined claims process designed to make claim settlement easier.
• 24×7 Customer Support: Get assistance with policy-related queries, renewals, and claims whenever you need it.
• Flexible Coverage Options: Choose the plan and optional add-ons* that best match your protection needs.

Choosing the right motor insurance for your Tata helps protect your vehicle against unexpected financial losses. Explore the coverage options offered by SBI General Insurance and choose a policy that best suits your driving needs.