Force Motors Car Insurance

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Force Motors Car Insurance

Force Motors is a reputable and distinguished player in the automotive industry. They are well-known for their superior quality vehicles in the commercial segment. Force Gurkha, one of their notable creations, is the robust off-roader and the only vehicle in the private segment.

If you are an adventure enthusiast and prefer off-roading explorations, the Force Gurkha is a fair option. However, while adventure can take you to heights, recognising unforeseen challenges and being prepared for them should be a priority. And that is where a car insurance policy emerges as a financial shield.

It provides a financial safety net against potential damages that can be caused because of accidents, natural or man-made disasters, or thefts. At Tata AIG, we offer car insurance policy options with customisation based on add-on covers to enhance the coverage for a safe driving and exploration experience.

So, here is everything that you need to know about our Force Motors insurance.

Purchase/ Renew Force Motors Insurance with Tata AIG

Process To Buy Force Car Insurance Online

Visit the Tata AIG Car Insurance page.

Provide your car registration number In the space provided against 'Your Car Registration Number,' and click on 'Get Price.'

The car insurance online application form will pop up. Enter your personal details and further information about your car. Ensure that the information you provide is correct and up-to-date.

Upload the documents required, such as proof of identity, bank information, proof of residence, etc., for the KYC verification process.

Next is the step to understand the different add-on covers and include them. Including add-on covers for your Force car insurance is not mandatory. However, it can offer additional coverage.

Verify and submit the application form. The Force Motors Insurance cost will appear on the screen.

Choose a convenient digital payment method and pay the premium online.

Upon verification and approval of your application, we will send the Force Motors Insurance policy document to your registered email address.

Process For Force Motors Insurance Renewal

Visit the Tata AIG Car Insurance page.

Provide your car registration number In the space provided against 'Your Car Registration Number,' and click on 'Renew.'

The Force car Insurance renewal application form will pop up. Enter the required details, such as policy number, claims history(if applicable), expiry date, etc.

Ensure to mention that you have not made any claims, if applicable. It will reduce your premium with the 'No Claim Bonus'.

Include the necessary add-on covers based on your requirements and proceed to pay the applicable Force car insurance price.

Upon payment verification and confirmation, we will send the renewed policy document for your car insurance online to your registered email address.

Note:

Renewing the Force car insurance within 15- 30 days before the actual expiry date is highly recommended. Click here to learn about why you need to renew your car insurance timely and how to renew an expired car insurance.

At Tata AIG, we offer long-term comprehensive car insurance plans for up to 3 years. Click here to learn the benefits of Multi-Year & Long Term Car Insurance.

Force Motors Insurance Cost/Price: What is the Premium for Force Motors Insurance?

The premium for the Force Motors car insurance in India depends on the type of policy purchased.

At Tata AIG, we offer 3 types of car insurance policy options.

Stand-Alone Third-Party Car Insurance Policy - It is the basic car insurance policy that is legally mandatory in India. Third-party car insurance covers third-party liabilities, including damages caused by your insured car to a third-party person or their property.

Stand-Alone Own Damage Car Insurance Policy - It covers damages caused only to your insured car and is applicable to cars purchased after 2018.

Stand-Alone Comprehensive Car Insurance Policy - It is one of the most recommended four-wheeler insurance plans that offer extensive coverage, including own damage and third-party damages.

How Can You Determine Car Insurance Premium?

For Third-Party car insurance - The Insurance Regulatory And Development Authority of India (IRDAI) determines the premium based on the car's engine cubic capacity (cc).

For Stand-Alone Own Damage and Comprehensive car insurance - The premium is based on various factors, such as the Insured Declared Value (IDV), Age, Engine Capacity, Make and Model, Deductibles, Claims History, and Add-Ons(if applicable).

At Tata AIG, we offer a car insurance premium calculator. It is an online tool that can help you calculate the premium for your Force car insurance based on the choice of your car insurance policy and its customised features.

Add-Ons For Force Car Insurance By Tata AIG

Add-on covers enhance the coverage of your comprehensive car insurance plan. It is optional, and there is an additional price, adding to the base premium amount.

At Tata AIG, we offer 12 add-ons for Force Motors insurance. Here is a list of the most commonly used add-ons.

Zero Depreciation

No Claim Bonus (NCB) Protection

Roadside Assistance

Emergency Transport and Hotel Expenses

Engine Secure

Key Replacement

Tyre Secure

Consumable expenses

Repair of Glass Fiber and Plastic Parts

Daily Allowance

Loss of personal belongings

Return to Invoice

Inclusions and Exclusions Under Tata AIG’s Force Motor Insurance

Force Car Insurance Inclusions

Circumstances What Is Covered In Force Motors Insurance?
Natural Disasters Damages incurred due to natural disasters such as cyclones, earthquakes, snowfall, etc., are covered under the Stand-Alone Own Damage and Comprehensive car insurance plans.
Man-made calamities Damages incurred due to man-made calamities, such as riots, strikes, terrorist attacks, etc., are covered under the Stand-Alone Own Damage and Comprehensive car insurance plans.
Fire Damages incurred due to lightning, self-ignition, explosions, etc., are covered under the Stand-Alone Own Damage and Comprehensive car insurance plans.
Total damage or theft The IDV or the total market value will be provided as compensation in case of theft or total damage due to an accident in the comprehensive car insurance plan.
Accident Damages incurred to your insured car due to an accident are covered under the Stand-Alone Own Damage and Comprehensive car insurance plans.
Transition damages The damages incurred to your car while it is moved between two places through any mode of transport, water, air, or road are covered under the comprehensive car insurance plan.
Third-Party damages Bodily damages to third-party, their death, or their property are covered under the Stand-Alone Third-Party and Comprehensive car insurance plans.
Personal Accident Cover Coverage against death and major injuries and permanent total disability to the owner-driver up to 15 lakhs is provided under the comprehensive car insurance plan. Optional liability cover for unnamed passengers can also be added.
Add-On Covers 17 add-on covers for specified scenarios and conditions are applicable to the Comprehensive car insurance plan.

Force Car Insurance Exclusions

Circumstances What Is Not Covered In Force Motors Insurance?
Licence issues Damages incurred to your car due to driving without a valid driving licence
Geographical boundary issues Damages incurred due to driving in a location outside India
Alcohol and drug usage Damages incurred to your car if found due to driving after the consumption of drugs or alcohol
General maintenance Repair charges for general maintenance or ordinary wear and tear
Driver’s negligence Damages incurred due to the driver being negligent or using private vehicles for commercial usage
Speeding and crash testing Damages incurred to your car if it is due to crash testing, speed racing, or similar activities.
War situations Damages caused to your car due to war situations
Add-ons not included Additional coverage for add-on benefits that are purchased with the car insurance policy
Replacement of consumables The cost of up to only 50% for consumables due to wear and tear is applicable.

Reasons To Buy Tata AIG Force Motors Insurance

Car insurance is the best financial shield you can offer to your favourite Force Motors car. It can protect you against damages arising due to an accident, natural disasters, theft, etc.

When you purchase four wheeler insurance, it is important that you choose the most-suited policy for your requirements and ensure it is from a reliable insurance provider. It can ensure the benefits timely and hassle-free when you are in extreme need.

Here is why you can consider Tata AIG for your Force car insurance.

Reliable Brand- With over 20 years of experience, we have ensured to provide the best car insurance services to our customers. We are known for our commitment and transparency while providing financial benefits under the car insurance plan.

Flexibility- We offer Third-Party, Stand-Alone Own Damage, and Comprehensive car insurance plans. In addition, you can customise it by choosing the add-on covers and the policy tenure of up to 3 years.

Add-on optional covers- At Tata AIG, we offer 17 add-on covers for additional coverage that can cover specific scenarios for the related expenses. Based on your driving style and the place wherein you reside, you can decide on including the riders in your car insurance plan.

Hassle-free claim processes- We have standard and streamlined car insurance claim processes that can help you initiate a claim online and get it settled conveniently. The simple and hassle-free approach is user-friendly and less time-consuming.

Claim Settlement Ratio- If the insurer has a high claim settlement ratio, it means we can expect a successful claim settlement to the maximum possibility. At Tata AIG, we have registered a Claim Settlement Ratio of 99% for the FY 2022-2023.

Wide Network of Garages- At Tata AIG, we have tied up with a vast network of garages with more than 7500 garages, to help you benefit from cashless claims.

Force Cars: Overview and Unique Selling Points

Force Motors, headquartered in Pune, is a reputable vehicle manufacturer in the commercial segment. Their majestic and rugged off-roader, Force Gurkha, is the only product in the private vehicle segment. If you are a person seeking adventure in its original space, and if off-roading is your passion, then the Force Gurkha is undoubtedly the right go-ahead.

Unique Selling Points Of The Force Motors Car

Snorkel- The air intake snorkel, with its water-wading ability of up to 70mm, offers an abundant supply of fresh air into the combustion system.

Differential locks on both axles- The Force Gurkha stands out in its segment with the mechanically actuated differential locks found on both axles. In its central console are the 4x4 High and 4x4 Low levers that offer an unmatched terrain capability.

Gradeability- The 4x4x4 Force Gurkha has a gradability of 35% to feature extreme gradients.

Manoeuvrability- The Force Gurkha has the lowest-in-class turning radius, 5.65 metres.

Powertrain- The FM 2.6 CR CD BS VI engine with 2596 cc displacement offers a maximum power of 67 kW @ 3200 rpm and a maximum torque of 250 Nm @ 1400-2400 rpm.

Illumination- The Force LED Pro Edge headlamps have full LED high and low beams. It heightens the complete visibility for real adventures during the night.

Spacious interiors- The four seats with ample legroom and space for your luggage make travel comfortable. The entry and exit through the rear door is all the more easy and quick.

Largest window area- The Force Gurkha offers a panoramic view for second-row passengers with the largest window area.

Force Gurkha: Variants and Prices

Force Gurkha Variants Ex-Showroom Price
Force Gurkha ₹15.10 Lakhs

Top 5 Competitors of the Force Gurkha

Competitor Car Name/Model Ex-Showroom Price 
Mahindra Scorpio N ₹13.26 Lakhs
Mahindra XUV 700 ₹14.02 Lakhs
MG Hector ₹14.99 Lakhs
Tata Harrier ₹15.49 Lakhs
Tata Safari ₹16.19 Lakhs

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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