BYD Atto 3 Insurance

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BYD Atto 3 Insurance

The world today is becoming increasingly dependent on technology while focussing on environment-friendly initiatives. It is especially becoming common among automakers worldwide, and Build Your Dreams(BYD) is one such successful Chinese automobile brand. The BYD Atto 3 is an electric SUV with exceptional on-road specifications and the best safety features encapsulated in the most elegant interior and exterior design. So if you have chosen to get a BYD Atto 3 or already have one, you are certainly contributing to the environmental initiatives. However, to secure and maintain your car to the finest standards, a car insurance plan is a necessity!

At Tata AIG, we offer three motor insurance plans. Third-party liability insurance is mandatory according to the Indian Motor Laws and covers the expenses incurred towards repairing third parties or properties. Stand-alone own-damage four-wheeler insurance covers the expenses incurred towards repairing your insured car. And the comprehensive car insurance plan covers expenses incurred towards your insured car and the third-party liabilities.

In addition, there are customisable add-on options to enhance the car insurance policy coverage. They provide assistance and financial support in the event of specific scenarios that can affect your car. Therefore, you need to compare car insurance policies and their optional covers to determine a suitable car insurance plan for all your financial needs.

We offer online solutions that help you access all our products to analyse and evaluate their benefits to decide on the right car insurance policy for your BYD Atto 3 car.

BYD Atto 3 Insurance Renewal or Purchase via Tata AIG

Purchasing or renewing car insurance online has become a recent trend. It has been providing various benefits to the user, such as comparing four-wheeler insurance plans, purchasing it at a convenient time and space, and cost-effectiveness. In addition, you can avail of discounts and customise your BYD Atto 3 insurance based on your requirements. At Tata AIG, we have a well-established online system that helps you easily navigate product options and features online to decide on a suitable product.

Here are the steps to purchase BYD Atto 3 car insurance online with Tata AIG.

  • Visit our Tata AIG official website. Open the Car Insurance page by navigating the "All Products" tab.

  • Provide the details of your BYD Atto 3 car as prompted by the system, such as your vehicle registration number.

  • If the car is new and you purchase the car insurance for the first time, click "Get Price". And if you intend to renew your previously purchased Atto 3 insurance, click "Renew".

  • As you proceed, provide your car and personal details to complete the application online.

  • Compare the motor insurance plans and choose an appropriate option between third-party liability insurance, stand-alone own-damage insurance or comprehensive car insurance plans.

  • Check the Insured Declared Value(IDV) for your BYD Atto 3 car to have sufficient financial coverage during a complete loss or damage to your car. And if it is a BYD car insurance renewal, incorporate the No Claim Bonus to reduce the premium.

  • The system will further display the Atto 3 insurance price after verifying all the car and personal details you provided.

  • You can pay the premium using any of the digital payment methods you are comfortable with and complete the purchase process.

  • Online procedures are simple, cost-effective and less time-consuming. You can also use our Tata AIG car insurance premium calculator to determine the BYD car insurance for your financial requirements at an affordable rate.

BYD Atto 3 Car Insurance Cost - Your Premium Amount

Purchasing BYD car insurance in India at an affordable rate is important. It will help you stay insured and ensure the BYD car insurance claim benefits when in extreme need. Also, it will provide the necessary coverage without affecting your current financial condition. However, several factors affect the premium for your BYD car insurance. Understanding these factors provides an idea about how the BYD car insurance premium has been calculated and how you can revise it per your needs.

Here are some of the most common factors that affect your BYD Atto 3 insurance price:

Insured Declared Value (IDV)- IDV is the primary and the most important factor that affects your Atto 3 insurance price. IDV is the current market value of your car, accounting for the depreciation considering its age and usage. It refers to the maximum reimbursement amount that applies to you in the scenario where your car is completely damaged or stolen.

The higher the IDV, the greater the coverage benefits. However, increased IDV can raise your premium rate. On the other hand, a lower IDV will have a reduced premium but may not provide the necessary coverage. Therefore, verifying the IDV for your Atto 3 insurance is primary to purchasing the car insurance for your life.

Type of policy coverage- The three car insurance plans: third-party liability, stand-alone own damage, and comprehensive four-wheeler insurance policies have different premium rates based on the features and benefits offered in the policy.

Add-on covers- Add-on covers enhance the policy coverage by providing additional assistance or financial support. For example, roadside assistance provides the necessary support to help you manage a scenario such as a flat tyre, dead battery, etc., affecting your car. Add-on covers are available to the basic four-wheeler insurance policy at an additional cost. The prices vary based on the individual add-on options. Therefore, compare and choose the most required ones.

Engine cubic capacity- The premium for your car is significantly affected by your engine's cubic capacity. The higher the cubic capacity, the higher the premium for your car.

Make and model of the car- Your BYD Atto 3 car's age, make, and model are significant factors affecting the car insurance premium.

No-claim bonus (NCB)- No Claim Bonus is a discount on your car insurance policy premium for the current year. It is provided to you if you have not made any car insurance claims in the previous year.

In addition to these factors, other aspects, such as the location where you are driving your car, the driver's gender, driving style and history, and age, can also affect the BYD Atto 3 car insurance price.

Add - Ons for BYD Atto 3 Insurance by Tata AIG

Including specific add-on covers can enhance your financial coverage. Additional preferences are specific to individual requirements. It will vary based on the geographical location where the car is used and the driving quality of the owner-driver. For example, if you regularly drive your car in an accident-prone zone, the emergency transport and hotel allowance will be highly beneficial. Therefore, considering your driving environment and purpose, choose add-ons that will add to your coverage for maximum benefits.

At Tata AIG, we offer the following add-on coverage options.

  • Zero Depreciation

  • Return to Invoice

  • Engine Secure

  • Roadside Assistance

  • No Claim Bonus Protection

  • Key Replacement

  • Tyre Secure

  • Loss of Personal Belongings

  • Repair of Glass Fiber and Plastic Parts

  • Daily Allowance

  • Emergency Transport and Hotel Expenses

  • Consumable Expenses

Things Covered and Not Covered under Tata AIG's BYD Atto 3 Car Insurance

If you intend to have a smooth process for your BYD car insurance claim, you should be aware of what is covered and what is not covered under your car insurance policy. It will help you make valid claims and ascertain the claim settlement processes timely. For example, if you claim an expense not covered under your four-wheeler insurance plan, you might face rejections on your claim requests.

Here is a detail about the Tata AIG BYD car insurance inclusions and exclusions.

What is covered under Tata AIG BYD Atto 3 Insurance? What is not covered under Tata AIG BYD Atto 3 Insurance?
The Insured Declared Value is the maximum reimbursement benefit you will receive for total damage or theft of your BYD Atto 3 car.  Expenses incurred towards damages to your car due to the driver not having a valid licence.
In the comprehensive and stand-alone own-damage car insurance plan, expenses incurred towards damages to your car due to natural disasters such as cyclones, floods, earthquakes, etc., etc. Expenses incurred towards damages incurred to your car for driving it outside the Indian geographical borders. 
Expenses incurred towards damages or losses to your car caused due to man-made activities such as terrorist attacks or riots in the comprehensive and stand-alone own-damage car insurance plan. Expenses incurred towards damages incurred to your car when the driver is found to be driving it under the influence of drugs or alcohol. 
Expenses incurred towards damages incurred to your car during an accident in the stand-alone own damage and comprehensive four-wheeler insurance plan. Expenses incurred towards natural wear and tear of your car due to reasons such as regular usage.
Expenses incurred towards damages or losses incurred to your car due to fire accidents due to reasons such as lightning, explosions, etc., in the comprehensive and stand-alone own-damage car insurance plan. Expenses incurred towards damages to your car when it is a private vehicle used for commercial purposes.
Expenses incurred towards damages or losses to your car while in transit using a means of transport such as railways, waterways, etc., in the comprehensive car insurance policy. Expenses incurred towards damages or losses to your car due to activities such as crash testing or speed racing, etc.
Third-party liabilities incurred due to your insured car Expenses incurred due to damages to your car due to a war-like situation.
Expenses incurred due to medical treatment for the owner-driver due to an accident in the comprehensive car insurance plan. Expenses incurred towards the replacement of consumables due to general wear and tear can be reimbursed only up to 50%.
Specific coverage is based on the add-on cover options included in the car insurance policy. Coverage stated under an add-on when it is not included in the car insurance plan.

Why is it important to have Tata AIG for your Atto 3 Insurance?

In the event of an unexpected accident, the first and most important aspect you prefer is prompt customer service and a simple process for your BYD car insurance claim. At Tata AIG, we ensure a customer-friendly experience to ensure the benefits in a smooth and less time-consuming process. We consider it a moral responsibility to have a customer-centric approach to every aspect of our car insurance products and processes.

Here are a few reasons to consider purchasing Tata AIG BYD car insurance.

Online experience- At Tata AIG, we have a well-established online system that provides an environment for accessing, analysing, comparing and choosing the best products for your car insurance financial needs. You can purchase and renew your BYD car insurance in a simple and hassle-free online process. Moreover, you can make a BYD car insurance claim online and complete the process and settlement payment in less time.

Claim Settlement Ratio- The claim settlement ratio is a measure of the total claims settled against the total number registered. We have proudly registered a claim settlement ratio of 98% for the FY 2020 - 2021.

Network of garages- We concentrate on quality customer service and valuable insurance benefits. Therefore, we have partnered with more than 7500 garages across India. You can get the repairs done in any of these garages and get the costs reimbursed in less time.

Customisable options- There are 12 add-on cover options that enhance your coverage benefits. You can customise your four-wheeler insurance plan by including any of these add-on covers and ensure the benefits specific to the scenario.

Experience- We have more than 20 years of experience in the industry and have a large customer base of nearly five crore customers since inception. Our commitment towards transparency and integrity is a driving force forward.

Overview - BYD Atto 3 Car

Build Your Dreams(BYD) is a reputable automobile manufacturer known for its commitment towards green technology. They have introduced motor vehicles with zero emission features to be more environmentally responsible. BYD Atto 3 is an electric SUV introduced to the Indian market.

Some of the key specifications are:

Battery capacity 60.48 kWh
Maximum power 201.15 bhp
Maximum torque 310 Nm
Seating capacity 5
Charging time 9.5 - 10 Hours(AC)
Range 521 kilometres
Charging time  50 Mins(DC)
Transmission type Automatic
Boot space 440 litres

In addition, it has the MacPherson strut front suspension and multi-link rear suspension. The kerb weight is 1750kg. For comfort and convenience, it has power steering, automatic climate control, adjustable steering, cruise control, etc.

BYD Atto 3 Variants and Price

There are 2 variants in BYD Atto 3. The variants and prices are as follows:

Model Price(Ex-showroom Delhi*)
Atto 3 Extended Range ₹33.99 lakhs
Atto 3 Special Edition ₹₹34.49 lakhs 

The prices may vary depending on the city and dealership where it is purchased.

Unique Selling Points: BYD Atto 3 Cars

BYD Atto 3 is unique in style and features. It is a compact vehicle at a competitive price in the electric vehicle segment. Here are some of its Unique Selling Points(USPs).

Design and style- BYD Atto 3 outlook is based on the BYD brand's 'Dragon Face 3.0' design philosophy. The car features a unique design in the interior and exterior. It has a majestic chrome grille with elegant LED headlamps. The styling with silver and aluminium accents, wrap-around LED tail lamps and funky alloys give it an appealing outlook.

Engaging interior- The interior is stylish, giving you a glimpse of a combination of gym and music. For example, the AC vents are dumbbell-shaped, and doors have guitar-like strings. The entire cabin looks elegant in style and unique in appearance. The edges are smooth with soft materials and have a good combination of white-blue-black leather. The car also has a rotating 12.8-inch touchscreen with simple controls for smooth operations. In addition, there are several small spaces for storage.

Comfortable driving experience- The Atto 3 has easy-to-drive properties such as clutchless gear shifts, seamless e-transmission, etc., The drive modes such as Eco, Normal, Sport, and Snow provide customisable options for a comfortable driving experience. In addition, the blade battery, as against the Li-ion batteries, has better features and is exceptionally ultra-safe, providing an environment for a peaceful drive experience. It is important to note that the blade battery is the only battery to have passed the nail penetration test.

Safety features- The BYD Atto 3 car features the L2 Advanced Driving Assistance System(ADAS). The car has the electric parking brake system, automatic emergency braking system, stop and go full speed adaptive cruise control, front and rear collision warning, rear cross-traffic alert, etc.

Vehicle-to-load function- With the unique vehicle-to-load option, the car can charge external appliances.

Rivals of BYD Atto 3 Cars

BYD Atto 3 cars, although new to the market, have introduced tough competition to some of the well-established brands in India.

  • The top rivals of the BYD Atto 3 are:

  • Hyundai Kona

  • MG ZS EV

  • Tata Nexon EV Max

  • Mahindra XUV400 EV

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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BYD Car Insurance And Model FAQs

BYD is What is the actual range for BYD E6?


The mileage for BYD E6 is 415 km for one full charge.

Does the BYD Atto 3 have a petrol variant?


No, the BYD Atto 3 is not available as a petrol variant.

Do electric cars need insurance?


Yes, as per Indian Motor laws, all the different types of vehicles, including electric, CNG, petrol, and diesel, should have car insurance. Third-party liability insurance is mandatory. However, the owners have the option to compare and purchase between the third-party liability, stand-alone own damage, and the comprehensive car insurance policy.

Why is the premium of car insurance for electric cars higher?


Electric cars are expensive in comparison to fuel-powered cars. Therefore, their Insured Declared Value(IDV) is higher, increasing the premium.

Disclaimer: All the prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.

What are the available colours for BYD Atto 3?


BYD Atto 3 is available in 5 colours: Forest Green, Parkour Red, Ski White, Surf Blue, and Boulder Grey.

What is the top speed of BYD Atto?


The top speed of BYD Atto is limited to 160kmph

What kind of car insurance coverage is required for my EV?


Like any other car, third-party liability insurance is mandatory for an electric car. However, for enhanced coverage options to secure your EV, you can purchase the stand-alone own damage cover or the comprehensive car insurance that includes third-party liability and stand-alone own damages.

Are there any additional documents required to purchase a car insurance policy for electric cars in India?


The additional documents required to purchase car insurance for your electric car, such as BYD Atto 3, are specific to the insurer providing the car insurance policy. However, in general, you might have to produce the battery's warranty and invoice copy in addition to the regular documents.

Disclaimer: All the prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.