Tata Car Insurance Online

Tata Motors is an all-rounder in the field of motor vehicles. The company produces almost all types of motor vehicles, including passenger cars, SUVs, commercial trucks, vans, and buses. If you are planning to buy a Tata car, make sure you account for adequate insurance coverage. A proper car insurance policy helps you stay financially covered from the damages arising from accidents, natural calamities, riots or more.

At Bajaj General Insurance, you can buy Tata car insurance policies for all its vehicle types in India, including commercial vehicles. Bajaj General’s extensive network of garages across the country will make it easy for you to get your car repaired with minimal hassle.

We have discussed below the types of Tata car insurance policies available for you to purchase as per your needs.

Third-party Car Insurance

Third-party car insurance is the basic insurance coverage that you must purchase as per the Motor Vehicles Act of 1988. This policy is designed to provide coverage for damages specifically caused to a third party, including their vehicle and property. It also covers injuries and deaths caused to third parties. A personal accident cover must be purchased along with this policy to comply with the legal mandate.

Comprehensive Car Insurance

A comprehensive Tata car insurance policy offers complete protection by covering third-party liabilities and damages to your own car. It safeguards against accidents, theft, and natural or man-made calamities. Moreover, it includes the No Claim Bonus (NCB) feature and allows you to choose add-on covers for enhanced protection. With NCB benefits, you can enjoy up to 50% discounts on premiums, making the policy both cost-effective and extensive in coverage.

Own Damage Insurance

This is a standalone policy that covers damages to your vehicle only, excluding third-party liabilities. Most comprehensive insurance policies for new cars have a 5-year third-party plan and 1-year standalone coverage. You can purchase a separate Own-damage cover when your current one ends, allowing you to continue enjoying the benefits of the insurance plan.

Commercial Vehicle Insurance

Since Tata Motors produces a range of commercial vehicles, including buses, trucks, and mini trucks, specific commercial vehicle insurance policies are available at Bajaj General Insurance. These policies offer coverage for cargo, passenger liability, and other risks specific to commercial operations.

Let us explore the advantages of buying a Tata car insurance online for your brand-new Tata vehicle:

Buy from Anywhere

One of the significant benefits of buying motor insurance online is that it offers flexibility. You can purchase the policy anytime and from anywhere using your mobile phone or computer. By visiting the insurer's website or using their app, you can complete the purchase process in just a few simple steps.

Save on your Purchase

When you purchase car insurance online, you get to enjoy the benefit of cost savings. Buying a policy directly from the insurer eliminates the need for intermediaries such as agents, resulting in a lower Tata car insurance price compared to an offline policy.

Instant Policy Renewal

In case your motor insurance policy is approaching its expiration date, you can quickly renew it from the insurer's website. By locating the 'Policy Renewal' tab on the website, you can complete the renewal process in just a few simple steps.

Compliance With Law

The Third-party insurance policy and a personal accident cover are mandatory for all car or bike owners in India under the Motor Vehicles Act of 1988. Buying this insurance coverage allows you to drive legally in India and saves you from hefty fines for non-compliance.

Comprehensive Coverage for Your Tata Car

A comprehensive Tata car insurance policy offers all-around protection for your vehicle. It compensates for damages to your own car in case of an accident, no matter who’s at fault. You are also financially protected if your car gets stolen, ensuring you don’t bear the burden of a major loss.

Moreover, it covers damages caused by natural disasters like earthquakes, floods, or landslides. This wide coverage helps safeguard your car and gives you complete peace of mind on the road.

Cashless Repairs

Many insurers like Bajaj General Insurance have a large network of partner garages for cashless and hassle-free repairs. Your insurance company will get your car repaired, and your repair bill will be directly paid for in the network garage up to your claim amount.

Bajaj General Insurance is one of the most prominent insurance companies in India and has a huge network throughout the country. Let’s know why you should choose Bajaj General for your Tata car insurance purchase or renewal.

On-Spot Claim Settlement

You can raise a claim through the Bajaj General app on your mobile phone and get a settlement for your claim within minutes.

24/7 Customer Support

Here at Bajaj General Insurance, we offer 24/7 customer support because accidents can happen anytime. We have a dedicated call centre and chat support system to take care of all your needs.

Widespread Network Garages

Your vehicle insurance company having a dense network of 7,200+ garages throughout the country is a great perk. It provides customers with the convenience of finding trustworthy repair shops near the location of the accident.

Get up to 85% off on Premiums

Bajaj General Insurance offers up to an 85%* discount on premiums, allowing you to enjoy your road trips, commutes, or quick errands in peace.

*The discount may change without prior notice. Please contact us to verify!

Raising a Tata car insurance claim requires submitting several documents, which will ensure the process moves smoothly and efficiently.

Below are key documents that are needed for a Tata car insurance claim:

1. Claim Form: Fill the claim form online or download the claim form from the official website to start your offline insurance claim process.

2. Policy Document: Get a copy of your policy document and submit it for your insurance claim.

3. Driving License: The driving license of the person who was driving the car at the time of the incident is necessary.

4. Registration Certificate (RC): A registration certificate copy to prove that you have ownership of the car you are asking to claim.

5. Copy of FIR: File a first information report (FIR) with the concerned police station and get a copy of it to make your Tata car insurance claim.

6. Repair Bills and Receipts: For reimbursement, you have to provide copies of your bills and receipts in association with repairs.

7. No Objection Certificate (NOC): You need to provide an NOC provided by your financier or issuer of the claim.

8. Medical Reports: Your insurer covers your injuries under the PA cover. Provide your medical bills and reports to get your reimbursement.

9. Bank Details: For direct transfer of the claim amount to your bank.

Why is it Important to Renew Your Car Insurance Policy?

Your Tata car insurance renewal is important for various factors, including:

1. Continuous Coverage: The renewal process gives you financial coverage and stability in case of any damage, theft, or accident to your car.

2. Legal Compliance: Not having car insurance can result in penalties of up to ₹4000 and possible imprisonment. Renewing your Tata car insurance allows you to drive legally and peacefully.

3. No Claim Bonus (NCB): NCB is one of the features of vehicle insurance, where you can receive up to 50% discounts on premiums for not making claims for a period of time.

4. Avoid Financial Loss: Renewing your Tata car insurance policy allows you to receive compensation for damages caused by accidents, theft, vandalism, etc, which can highly mitigate financial losses.

Tata Car insurance claims can be of two types: cashless claims and reimbursement claims. The process of filing each of these claims is different, and here are the steps you need to follow:

Steps to Raise a Cashless Claim

If you want to file a cashless claim, follow these steps:

Step 1: Contact your insurer through their website, app, or helpline number to inform them about the accident as soon as possible.

Step 2: If required, file an FIR at the nearest police station.

Step 3: Submit all the necessary documents along with multiple images and videos as evidence of the damage caused.

 Step 4: A surveyor sent by the insurer will inspect the vehicle to assess the damage.

Step 5: Take your car to a network garage authorised by the insurer. The cost of repairs will be directly billed to your insurance provider, and you will receive a cashless payment directly to the garage.

Tip: Take close-up images of the damaged portion of your car and full-view images of the accident site to illustrate the cause of the accident. Proper evidence can fasten your Tata insurance claim process by strengthening your claim.

Steps to Raise a Reimbursement Claim

The steps for filing a reimbursement claim are slightly different from those for a cashless claim. Here are the steps for a reimbursement claim.

Step 1: Follow steps 1 to 4 mentioned in the cashless claim.

Step 2: Choose a garage and get your Tata car repaired.

Step 3: Pay for the repairs yourself and make sure you keep all the bills and payment receipts.

Step 4: Submit all the required documents to your insurer.

Step 5: Your insurer will verify the documents and reimburse you for the cost of repairs.

Data as on 12/2025