Force Motors Gurkha Insurance
Force Motors Gurkha Insurance
Force Motors launched the all-new Gurkha last year in September. It belongs to the 4×4 segment and is designed to tackle the obstacles of off-road driving.
If you love going out on adventurous road trips and buy this car for that purpose, you will make a great choice. However, off-road trails are challenging for both the car and the driver. Mishaps in hilly or other off-road areas have been common for a long time. Given this, getting a comprehensive car insurance policy from Tata AIG can be a prudent decision.
Having insurance for your four-wheeler means you are protected from all the expenses that you otherwise need to bear due to the damage caused to your car by natural disasters, man-made calamities, fire, theft, and accidents.
Force Motors Gurkha Insurance Renewal/Buy via Tata AIG
Now, you don't have to postpone your road trip owing to your car insurance policy expiration. Tata AIG provides instant coverage for your car with just a few clicks on your smartphone/desktop screen. Here is how to buy insurance online.
Visit Tata AIG's official website and navigate to the car insurance page.
If you are an existing customer, you will first need to provide your vehicle's registration number, then tap on the 'Renew' tab. New customers are required to click on the 'Get Price' after sharing the necessary details.
After that, provide your basic details on the online form to get a quotation for the car insurance policy.
Choose the accurate insured declared value (IDV) of your Force Motors Gurkha car.
In case you have raised a claim in the past, inform the insurer about the same. However, for a claim-free policy year, the insurer will reward you with a no-claim bonus (NCB). You can use this NCB to lower your policy premium.
The premium amount for obtaining coverage for your car will then appear on your desktop screen.
You can also increase the scope of coverage by choosing from a list of twelve add-ons offered by Tata AIG.
In the last step, make an online payment by choosing from various digital payment options available with Tata AIG. Following the payment, you will receive a soft copy of your insurance for the four-wheeler at your email address and on WhatsApp (if you have opted in for).
Tata AIG also allows you to purchase Force Motors Gurkha insurance offline by visiting a local branch or agent's office. Just to add to the above information, opting for add-on covers can significantly increase your Force Motors Gurkha insurance price.
Force Motors Gurkha Insurance Price – Your Premium Amount
Several factors influence the premium of Force Motors car insurance. The most important of these is the insured declared value or IDV, which is determined by your vehicle’s geographical location and age.
The importance of IDV kicks in if your car is irreparably damaged or gets stolen. The insurer will compensate you with the maximum amount equal to IDV. IDV is determined after deducting depreciation from its invoice value. In simple words, it is the current market value of your vehicle.
You can calculate the IDV either manually or by using the free car insurance calculator available on the Tata AIG website. Further, you can add a zero-depreciation add-on cover to your policy to avoid the value depreciation of your car’s components. Tata AIG also offers a Return-to-Invoice add-on cover that ensures you get the ex-showroom price of your vehicle in case of theft or total damage.
Add-ons for Force Motors Gurkha Insurance by Tata AIG
Accidents are common in India due to poor road conditions and the carelessness of riders and pedestrians. Apart from that, there is always the risk of being stranded on the highway with a broken-down vehicle and no nearby garage. In such cases, you will want your insurer to cover most of the unfortunate road events. To help you in this case, Tata AIG motor insurance offers twelve add-ons. These are:
- Zero Depreciation Cover
- No Claim Bonus Protection
- Roadside Assistance Cover
- Daily Allowance Cover
- Rider for Repair of Fibre, Glass, and Plastic Parts
- Return to Invoice Cover
- Rider for Loss of Personal Belongings
- Consumables Expense Cover
- Emergency Transport & Hotel Expense Cover
- Key Replacement Cover
- Engine Secure Cover
- Tyre Secure Cover
Things Covered and Not Covered under Tata AIG’s Force Motors Gurkha Insurance
When purchasing insurance, you should always consider the scenarios the insurer will cover and for which they will not be held liable for reimbursement. The following table will give an insight into Tata AIG's Gurkha insurance inclusion and exclusions.
|What is covered?||What is not covered?|
|Tata AIG safeguards you financially if your car sustains damage in a cyclone, flood, earthquake, landslide, or any other natural disaster.||Tata AIG will not cover your Gurkha car if you utilise it for unlawful activities, adventurous sports activities, stunts, speed testing, or other identical activities.|
|Tata AIG covers the financial loss of your Gurkha car during riots, vandalism, strikes, or any other man-made disasters.||If you are driving the car outside the geographical boundaries mentioned in your insurance document and it sustains damage, the insurer is not accountable for the compensation.|
|The policy covers damage to your vehicle arising from lightning, explosion, or self-ignition.||If you are driving under the influence of drugs or alcohol and an accident occurs, Tata is not liable to pay for the damage.|
|If your car suffers damage in a road mishap, such as a collision, Tata AIG will pay for the repair costs.||Loss of your Gurkha car due to a biological war, nuclear explosion, or any warlike situation falls under the Tata AIG's policy exclusions.|
|If damage or a loss to your car arises during transit, Tata AIG will pay for the loss.||During an accident, if you are found driving with inactive car insurance, Tata AIG won't be held liable for the losses.|
|During an accident involving your Gurkha car, sometimes bodily injury or property damage is suffered by a third party. Tata AIG compensates the third party in such events.||Driving a car with an invalid driver's licence is illegal, and if your car is involved in an accident while you have such a licence, you will not be reimbursed for claims.|
|During an accident, if you or the driver suffers bodily injury, the personal accident cover rider in your policy will pay for the treatment cost.||Loss to your four-wheeler or its spare parts due to normal wear and tear, consequential loss, or electrical or mechanical breakdowns are all subject to Tata AIG's policy exclusions.|
Why is it Important to Have Tata AIG for Your Force Motors Gurkha Insurance?
Even though the Gurkha is a powerful car with off-road driving capabilities, you should still insure it to avoid any negative situations in the future. Here is why securing it with Tata AIG is a wise move.
Tata AIG has an extensive network of over 8700 garages across India. In the event of a road accident, you can have your Gurkha repaired at these garages for free.
Tata AIG is known for its quick claim settlement and has one of the industry's highest claim settlement ratios of 98%.
Tata AIG allows you to reduce your premium by 50%, simply by driving responsibly and avoiding small claims.
With Tata AIG, you can customise your policy by choosing from twelve riders that best suit your driving needs.
Tata AIG has been in the insurance business for about 20 years and has served over 5 crore customers successfully.
Overview - Force Motors Gurkha Car Model
You won't find many options if you are looking for a car for off-road driving. The one that claims to be the best for both on and off-road conditions either lacks safety features or does not provide a comfortable ride. In order to fill this void, the Force added a Gurkha, a 4×4 segment car, in its portfolio. It features 16-inch steel wheels, a sleek roof rack, black ORVMs, and a tow hook.
Force added circular DRLs in the LED headlamps and a vertically positioned tail light to highlight its design. You will find this car in five colour shades and a single variant.
Technical features of Gurkha:
- ARAI mileage of 12.4 kmpl
- Engine displacement of 2596 cc
- Maximum torque of 250 Nm @ 1400-2400 rpm
- Maximum power of 89.84 bhp @ 3200 rpm
- Boot space of 500 litres
Gurkha Car Price in India and its Variants
Force Motors Gurkha is available in a single variant which is powered by a diesel engine. You only have the option to pick from five colours. These are White, Orange, Red, Green, and Grey. The exclusive showroom price of Gurkha starts at ₹14.49 lakh.
Unique Selling Points: Force Motors Gurkha Car Features
The all-new Gurkha is designed to provide a balance between off-road driving thrills and comfort. Force Motors has put this car on the road to provide riders with a commanding driving position, powerful performance, an attractive interior, and superior safety features. If you want to delve into its standout specifications, we have got you covered.
Gurkha comes with an all-wheel drive train and a 5-speed manual gearbox. The powerful 2.6-litre diesel engine allows it to travel 12.4 kilometres on one litre of fuel.
In order to ensure your safety while driving, it provides dual airbags in front, parking sensors, and ABS braking technology with an EBD system.
Gurkha also features a seven-inch infotainment system with Apple CarPlay and Android Auto. You will also find a sound system with a four-speaker in this car's cabin.
Rivals of Force Motors Gurkha
The Force Motors Gurkha is, without a doubt, one of the most powerful and dependable vehicles on the market. However, it still has many competitors, some of whom are named below.
- Mahindra Thar
- Mahindra Scorpio - N
- Mahindra Scorpio Classic
- Tata Safari
- Kia Carens
- Nissan Kicks
- Mahindra Marazzo
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.
Frequently Asked Question
How to Claim Force Motors Gurkha Insurance?
If you have purchased Gurkha car insurance from Tata AIG, raising a claim is just four steps away. Here is what you should do.
Submit your claim request form online using your Force Motors Gurkha policy number. You will be asked to furnish your basic information and the details of an incident's FIR.
After receiving your claim request, Tata AIG will appoint a surveyor to review the extent and nature of the loss.
Following the inspection, you can take your car to the garage for repairs.
After reviewing the inspection report, Tata AIG will start processing your claim request.
Once the claim is approved, you will be given the repaired vehicle, and the claim amount will be credited to your or the garage's account shortly.
How to Renew Force Motors Gurkha Car Insurance?
Renewing your Force Motors Gurkha insurance if purchased from Tata AIG requires a few mobile clicks. Here is how.
Visit Tata AIG's official website and go to the motor insurance section.
Provide your basic information.
Tap on the 'Renew' tab.
Complete the detailed renewal form by providing details like add-ons, your policy number, past claims, etc.
Pay online using one of the many digital payment modes.
What is the price of the Force Motors Gurkha base model?
Force Motors Gurkha is presently available in a single variant but in five distinct colours. The exclusive showroom price of this car starts at ₹14.49 lakh. However, while purchasing the same, you will also need to spend on a registration charge, road tax, etc.
Is the Force Motors Gurkha a good car?
In India, you will find very limited options in the four-seater segment. As such, Gurkha is surely one of the best cars, and if you look at its direct rival, you will find only one name - Mahindra Thar. The powerful engines, safety features, and stylish look surely make Gurkha one of the best cars.
What factors influence my Force Motors Gurkha car insurance?
While deciding on your Gurkha's car insurance premium, Tata AIG considers various aspects. The crucial ones are listed here.
- Car's make and model
- Car's variant
- Age of the vehicle
- Place of registration
- Policy sum-insured amount
- Voluntary deductible amount
- Number of riders chosen
- Fuel type
- Mode of insurance
How can I reduce the cost of my Force Motors Gurkha car insurance premium?
You can easily lower your policy premium if you use any or all of the methods listed below.
Raise the voluntary deductible amount. However, remember that doing so will require you to spend more out-of-pocket during the claim settlement process.
If you have a habit of submitting unnecessary and small claims, stop it immediately and accumulate NCB.
You may look for anti-theft device installation to minimise the chance of theft
Avoid aftermarket modifications; it raises the premium while lowering the performance.