Tata Curvv EV Car Insurance

• How to Buy:

• You can buy car insurance via our website or mobile app. To make your purchase here, scroll to the top, enter your Tata Curvv EV registration number, and click on "Get Price".

• Provide the required car details and personal information when prompted.

• Choose your car insurance plan, set your IDV, and include your preferred add-ons.

• Review the car insurance quote and, if acceptable, pay the premium using UPI, credit/debit card, net banking, or EMI.

• You will receive your digital policy instantly at your registered email address.

• Important Tip: Dealer insurance is not mandatory. You can refuse it and buy EV insurance online from a trusted provider like TATA AIG.

• How to Renew:

• You can renew your car insurance here or on the mobile app. To renew, click on "Renew your TATA AIG car policy" at the top of this page.

• Enter your Tata Curvv EV registration number or your existing car insurance policy number.

• Review the renewal premium and applicable No Claim Bonus (NCB).

• Upgrade your insurance coverage or include add-ons as required.

• Pay the renewal premium to complete the online renewal process. Make sure to renew within the 90-day grace period from policy expiry to avoid penalties.

• Important Note: You may need a vehicle inspection to renew an expired policy. Inspection may also be required to buy or renew used car insurance.

    Get a specialised plan for your Tata Curvv EV with just a few clicks.   Buy Now

• Third-Party Coverage is a Legal Requirement

  Under the Motor Vehicles Act, third-party insurance coverage is mandatory for every vehicle on public roads. Violations carry fines up to ₹4,000, jail for up to 3 months, or both. If you cause injuries, property damage or fatalities with an uninsured car, you may also have to cover substantial legal compensation on your own.

Third-party insurance coverage covers both small fines and legal liability for a premium as low as ₹2904.

• Keep Repair Costs Predictable on Your Tata Curvv EV

  With an ex-showroom price starting at ₹16.99 lakhs, repair of an upscale electric SUV can be a major cost burden. While an OEM fog lamp can cost ₹6900, expensive parts such as fast chargers can cost ₹31,000-59,000 to replace after a major mishap. A comprehensive Curvv EV insurance plan can cover the repair costs of your premium vehicle, letting you enjoy stress-free driving.

• Cashless Repairs Without Paying Upfront

  Tata Motors has a pan-India network of 1600+ workshops, and most of these are TATA AIG network partners. Buying our car insurance plan provides you access to 6300+ network garages with 24/7 customer support and a dedicated claim handler for seamless cashless repairs.

We also provide quick roadside assistance with a typical response time of 1-3 hours and doorstep pick-up and drop-off services for your convenience

• Covers Fire, Natural & Man-Made Disasters

  Fire, floods, storms and other unforeseen events can cause significant damage to your Tata Curvv EV. Driving through a flooded street can damage critical electrical components, while an EV fire can lead to extensive damage or a total loss.

TATA AIG’s Electric Car Insurance covers your vehicle, EV batteries, and portable chargers from loss or damage. With the Electric Surge Secure add-on, it also covers damage from charging issues and voltage fluctuations.

• Covers Theft & Total Loss

  When you own a premium electric vehicle, theft is one of the biggest financial risks, whether it happens at your home, office or roadside. An accident, fire or flooding can also cause irreparable damage to your Tata Curvv EV, leaving you without personal transport.

Our Curvv EV car insurance provides replacement cover up to the Insured Declared Value (IDV) or the on-road price with the Return to Invoice add-on.

• Car Insurance Policies We Offer

  Choose the right insurance for your Tata Curvv EV based on your vehicle's age, condition, and usage requirements.

What Policy Do I Buy?

• How an EV is Rated

  IRDAI has set fixed third-party premium rates, with a flat 15% discount on premiums for electric vehicles like the Tata Curvv EV. The premium rate is set by the car’s battery capacity in kilowatt-hours (kWh).

The current third-party Curvv EV insurance premium is ₹2904 for 1-year plans and ₹9044 for 3-year plans for all variants. Own damage insurance pricing is set individually by factors such as the vehicle’s value and the insurer’s risk.

• What Actually Needs Covering on an EV

  The battery is often the highest-value component in an EV. TATA AIG’s Electric Surge Secure add-on covers damage to your EV and its charger due to electrical issues such as arcing, self-heating, electricity leakage and water ingress while charging.

The Depreciation Reimbursement add-on covers the depreciation amount normally deducted from part replacement during repairs. It extends to EV components, including the battery and charger and non-electric parts. The Depreciation Allowance- Battery provides depreciation coverage for only battery replacements.

• Your Battery Warranty is Not Your Insurance

  A battery warranty covers manufacturing defects and degradation, while insurance for Tata Curvv EV covers external damage due to accidents, fire, and natural disasters. Neither is a substitute for the other, and having a valid warranty doesn’t mean you don’t require insurance cover.

For the Tata Curvv EV, the brand offers a lifetime original warranty valid for 15 years. This warranty covers only defective parts and excludes any damage due to accidents and collisions. A car insurance policy is required to cover damage from unforeseen situations.

• EV Repairs and the Network

  EV repairs require specialised diagnostic tools, safety gear, facility upgrades, training and certification to safely handle high-voltage work. Since not every garage is equipped to repair EVs, you need to check which network garage will repair your Tata Curvv EV.

TATA AIG offers access to an extensive network of Tata Motor authorised service centres that handle electric vehicles. Check our Garage Locator page to find repairers in your area.

Here are some of our most popular add-on covers for Tata Curvv EV insurance:  

• Electric Surge Secure This specialised add-on is available for Tata Curvv EVs up to 5 years old and is ideal for regular EV users. It helps protect your vehicle and charging equipment against electrical risks such as arcing, self-heating, electricity leakage, charging-related issues, and water damage.
• Depreciation Reimbursement Also known as the Zero Depreciation cover, this add-on reimburses the depreciation amount deducted from your own-damage claim on replaced parts. It is particularly beneficial for EV owners because it helps reduce out-of-pocket expenses on high-value components.
• Roadside Assistance This add-on provides 24x7 emergency support services, including spot repairs, flat tyre assistance, fuel delivery, towing, battery assistance, and more. It is especially useful for EV owners as it offers help in situations such as a discharged battery or an out-of-charge vehicle.
• Return to Invoice The Return to Invoice add-on helps bridge the gap between the vehicle's Insured Declared Value (IDV) and its original invoice price in the event of theft or total loss. It can also cover applicable road tax, registration charges, and insurance charges, subject to policy terms and conditions.
• Depreciation Allowance - Battery EV batteries are among the most expensive components of an electric vehicle. This add-on covers the depreciation amount deducted from your own-damage claim when an insured battery replacement is required, making it particularly useful for EVs up to 5 years old.

  No Claim Bonus Protection

This add-on protects your accumulated No Claim Bonus from a single own damage claim. Highly recommended if you have saved several bonuses over several years and drive your EV in accident-prone areas.  

• Additional Towing Charges This add-on covers towing expenses beyond the limit available under the base policy. It can help pay for transporting your Tata Curvv EV to the nearest authorised garage after an accident, particularly when long-distance towing or specialised EV transportation is required.

Insured Declared Value (IDV) is your car’s current market value after deducting depreciation. This is the maximum amount that your insurer pays for vehicle theft or total loss claims.

While insurance buyers get to choose the IDV when buying Tata Curvv EV insurance online, they often select the wrong value. Learn how to set the right IDV for your car:

The Trade-Off

What's Different on an EV

Unlike a petrol car where the IDV is roughly its market value, an electric car’s IDV is mostly concentrated on one component- the battery pack.

Insurers declare a total constructive loss when the cost of repair reaches 75% of your car’s IDV. Since an EV’s battery makes up most of the IDV, underbody scrapes and water damage can quickly drive up repair costs, crossing the 75% threshold and leading to insufficient payout.

The manufacturer’s warranty does not cover accidental damage and theft. To get sufficient coverage, avoid relying on the warranty and set a sufficiently high IDV on your insurance.

What to Set on a Tata Curvv EV

To set the right IDV for your Tata Curvv EV, find out the selling price of pre-owned cars. Research the price for your exact variant, battery pack and mileage and select a realistic IDV based on market data.

You cannot artificially inflate your insurance payout by setting a higher IDV, as insurers only pay the market value for replacement. Our Return to Invoice add-on lowers the financial gap between the IDV and actual replacement cost and is especially useful if you have financed your Tata Curvv EV purchase.

The Mistake to Avoid

Avoid setting a low IDV just so you shave a fraction off your Curvv EV insurance premium. Unlike older cars and ex-fleet cars, a low IDV on a recently launched EV only decreases your payout and increases the write-off threshold for a total constructive loss.

At TATA AIG, we do not negotiate the IDV at claim time. We pay the exact figure mentioned in your policy documents.

Your Tata Curvv EV insurance price depends on two major components: a fixed third-party premium and a variable own damage premium. Know how the cost is decided:

The Fixed Part: Third-Party Premium

Third-party insurance premium rates are set by the IRDAI and are the same across all insurers. For electric cars like the Tata Curvv EV, the premium rate is decided by the battery capacity:

The Variable Part: Own-Damage Premium

What Can You Do About It?

Preserve Your No Claim Bonus: Avoid filing frequent minor claims and get the NCB protection cover if you face high accident risks.

Research the Selling Price: Instead of setting an arbitrary IDV, research the actual selling price in the pre-owned market.

Maintain a Clean Driving Record: If you already own a car, make sure to maintain a clean record without accidents or traffic violations.

Install Anti-Theft Devices: Find and install ARAI-approved safety devices on your Tata Curvv EV to reduce your premium cost.

Get Third-Party Premium Discount: Currently, IRDAI offers a 15% discount on third-party premium for EV vehicles. A long-term plan lets you lock in the current discounted rates.

What’s Not Covered

Normal Wear and Tear: Depreciation, wear and tear, ageing-related breakdowns and regular servicing expenses are excluded.

Accessories and Modifications After Purchase: Non-factory-fitted accessories and modifications done after policy purchase are not covered automatically. They can be included with a car insurance endorsement.

Mechanical or Electrical Breakdown: Internal mechanical failures and breakdown of electrical and electronic components are excluded.

Consequential Loss: Does not cover indirect damages that occur as a delayed result from an insured event, such as hydrostatic lock from starting a water-filled engine.

Breaches of Law & Policy Violations: Excludes any loss or damage caused by participating in illegal activities and traffic violations.

War and War-Like Events: No coverage offered for wars, rebellions, civil wars, foreign invasion and military operations.

Loss or Damage Outside of India: The policy coverage is restricted to a geographical region, i.e., the borders of India.

Cashless Claim

Step 1: Ensure your safety and gather evidence of damage. Notify us via our customer support (022-6489-8282), email (general.claims@tataaig.com) or WhatsApp (9136160375).

Step 2: Register a claim on our claims page or mobile app. Provide the necessary details, including policy number, Curvv EV registration number, accident details, etc. We will assign you a dedicated claim handler.

Step 3: Find a TATA AIG network garage that services Tata EVs using our Garage Locator. Take your Curvv EV to one of our network garages or use our pick-up and drop-off service.

Step 4: We may send a surveyor to inspect your Tata Curvv EV. Damage to exterior panels, sensors, cameras and ADAS may require extensive assessment. Avoid starting any repairs before the inspection is over.

Step 5: After reviewing your claim and documents, we will settle all approved expenses directly with the garage. You may need to pay the deductible and non-covered expenses.

Reimbursement Claim

Step 1: Ensure your and your passengers’ safety and gather necessary evidence. Then, notify us and register your claim via our helpline, email, WhatsApp, claims page or mobile app.

Step 2: We will appoint a surveyor to inspect the damage and prepare a survey report. Cooperate with the surveyor and do not begin any repairs before we complete the survey.

Step 3: Once you receive repair approval, take your Tata Curvv EV to any authorised garage. Request a detailed repair estimate, pay the repair bills and collect all bills and receipts.

Step 4: Submit the necessary documents, including bills, invoices, repair estimates, and payment receipts. Refer to our list of documents to avoid rejection.

Step 5: We will settle your claim within 7 days of receiving the last necessary document and will pay the approved claim amount directly to your bank account.

Network Garage Widget

• Car Insurance Policy: Copy of your existing TATA AIG policy documents

• Claim Form: Duly filled and signed application form

• Driving Licence: Copy of driving licence held by the driver during the incident

• Registration Certificate: Copy of your Tata Curvv EV’s registration certificate

• Identity and Address Proof: Government-issued identity and proof of residence

• FIR or Police Report: For thefts, major accidents and third-party claims

• No Trace Report: Issued by the police when unable to recover a stolen car

• Photos and Videos: Photographs and videos of your damaged Curvv EV

• Repair Estimates: Provided directly by the network garage

• Bills and receipts: Original invoices, bills and payment receipts

• Car Keys: Original vehicle keys for theft-related claims

• RTO Forms: RTO forms 28, 29 and 30 for theft and total loss claims

• Financier’s NOC: For theft and total loss claims for cars under an active loan

• Medical Bills: Prescriptions and bills for personal accident or third-party injury claims

Important Note: You will be notified on which documents to submit after your register your claim. For additional documents, we will notify you via your registered mobile number, email address or by post.