Tata Manza Car Insurance

Whether you own a second-hand or used Tata Manza, buying and renewing car insurance online is important to avoid any unexpected repair expenses. Furthermore, you may also need to undergo an inspection before buying a plan.

How to Buy

• Step 1: Go to the top of the page or download the TATA AIG mobile app to purchase Tata Manza car insurance.

• Step 2: Provide the Manza’s registration details and click on the “Get Price” button.

• Step 3: Fill out the necessary details about the car and the vehicle owner.

• Step 4: Choose a new car insurance plan for your Tata Manza and review the premium.

• Step 5: Pay the chosen premium and receive your policy instantly.

How to Renew

• Step 1: Scroll to the top of page or open the TATA AIG mobile app to renew car insurance online.

• Step 2: Enter your Tata Manza’s vehicle registration number or existing policy number.

• Step 3: Review the renewal premium for your Tata Manza insurance.

• Step 4: Choose or upgrade your car insurance coverage based on your requirements.

• Step 5: Pay the premium online and download your renewed Tata Manza insurance policy.

Note: TATA AIG provides a 90-day grace period before the policy expires to retain the NCB discount benefit. However, if a policy lapses, you need to undergo a vehicle inspection before buying a plan.

Purchase Tata Manza insurance online with us in just a few simple steps!

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Third-Party Coverage is a Legal Requirement

Having an older car like the Tata Manza does not mean your insurance liability is lower in the event of an accident. For instance, while driving, if your Manza causes damage to roadside property, then in that case you may have to bear the compensation costs yourself..

Furthermore, having a third-party insurance coverage is mandatory on Indian roads. Driving without valid coverage can lead to fines ranging between ₹2000 and ₹4000 or up to 3 months' imprisonment.

Cashless Repairs Without Paying Upfront

While navigating busy roads or congested streets, even a minor collision can damage your Tata Manza. Cashless garage support can make repairs easier, as you may not have to pay the full repair bill upfront.

TATA AIG has a network of 6,300+ cashless garages across India, giving Manza owners access to repair facilities in different cities and towns. With our insurance, you will also get benefits like a dedicated claim handler, roadside assistance in remote areas and pick-up and drop-off for doorstep cashless repairs.

Covers Fire, and Natural & Man-Made Disasters

Even when your Tata Manza is parked safely, natural events like heavy downpours, severe storms, or fire can still cause unexpected damage. For example, a falling tree branch can crack the windshield, or rising floodwaters can submerge the vehicle

Repairing this kind of damage out of pocket can be expensive. A standard comprehensive car insurance policy keeps you protected by covering damage from natural disasters—including floods, earthquakes, storms, and fire—so you don't have to bear hefty repair costs alone.

Covers Theft & Total Loss

Whether it is a new car or an older model like the Tata Manza, you cannot overlook the risk of theft. Your Manza could be stolen while parked outside your home, at the office, in a shopping area or during a trip.

With the TATA AIG car insurance plan, you receive the full agreed IDV payout1 if your car suffers a total loss or is stolen, subject to the policy terms. This can be especially useful for discontinued models as replacing the car or sourcing specific parts after a major loss can be difficult.

6300+ Cashless Garages

With authorised Tata service centres

All-in-One TATA AIG App

Buy, renew & claim from your phone!

Customisable Add-Ons Covers

With Pre-Set bundles & EV-specific add-ons

Quick Roadside Support

Within 60 minutes in cities!

Pick-up & Drop-off Service

For Doorstep Cashless Repairs

24/7 Customer Support

Call-back within 2-3 minutes & regional language support

Car Insurance Policies We Offer

Comprehensive Car Insurance

Comprehensive car insurance can be a suitable option for Tata Manza owners who use their car regularly and want protection beyond third-party liabilities. It covers third-party liabilities and damage to your own car from covered events such as accidents, theft, fire and natural disasters, subject to the policy terms. You can also choose eligible add-ons2 to enhance your coverage based on your needs and vehicle eligibility.

Buy Comprehensive Car Insurance

Third Party Car Insurance

Third-party car insurance is mandatory for driving your Tata Manza on Indian roads. It covers your legal liability towards third parties for injury, death or property damage caused by your car, subject to the applicable terms and limits. It can be a practical choice if you mainly need the legally required coverage for an older Manza.

Buy Third-party Car Insurance

Own Damage Car Insurance

For Tata Manza owners who already have a third-party policy but want protection for their own vehicle, standalone own-damage insurance can be an option, subject to eligibility. It covers the Manza against risks such as accidents, theft and fire and covers natural or man-made disasters.

Buy Own-Damage Car Insurance

What Policy Do I Buy?

Note: Third-party cover is legally mandatory, so the real decision is whether to stick with basic coverage or upgrade to a comprehensive plan. Ask yourself: If your Tata Manza were stolen or totaled tomorrow, could you easily replace it out of pocket? If yes, third-party is enough. If not, choose comprehensive coverage with an honest IDV that will actually fund your replacement.

Choosing the right add-ons with a Tata Manza car insurance online plan is crucial, as their availability depends on the car's age and policy type. For older vehicles like the Tata Manza, focus on add-ons that offer practical protection for your usage, and avoid paying for covers that may not be relevant.

Roadside Assistance (RSA)

It can be useful for Tata Manza owners who regularly commute or take long drives. If the car breaks down, the RSA cover can provide services such as tire change, battery jump-start, minor repairs, fuel delivery and towing, subject to policy terms and eligibility.

Loss of Personal Belongings

If you often use your Tata Manza for family outings or daily travel, you may carry bags and other personal items in the car. With this add-on, you can cover eligible loss or damage to these items after an insured event.

Repair of Glass, Fibre, Plastic and Rubber Parts

Minor accidents while driving or parking your Tata Manza can damage its glass, plastic, fibre or rubber components. This add-on can help you get eligible repairs covered without losing your No Claim Bonus, provided you repair the parts at an authorised garage and meet other policy conditions.

Emergency Medical Expenses

If your Tata Manza is involved in an accident, the driver or passengers may need immediate medical care. With this add-on in place, you can cover eligible medical and ambulance expenses arising from the accident. It also supports aids such as wheelchairs, crutches, etc., up to ₹5000 or 5% of the sum insured (whichever is lower).

Disclaimer: Add-ons are subject to specific eligibility criteria and terms and conditions. Please check whether the add-on is applicable to your car before purchasing car insurance.

The Insured Declared Value, or IDV, represents the vehicle's current market value and is the maximum amount payable for a total loss or theft, subject to the policy terms.

Since the Tata Manza is a discontinued model and well over five years old, its IDV isn't calculated using the standard age-based depreciation table. It is determined through an understanding between the TATA AIG and the vehicle owner.

The Trade Off

The Part Owners of Older Cars Miss

For an older, discontinued car like the Tata Manza, IDV becomes an important decision when renewing car insurance. Many owners choose a lower IDV to save on premium, but this can reduce the amount they receive if the car is stolen or written off.

The IDV also affects when the car may be treated as a constructive total loss. If repair costs reach 75% of the IDV, the insurer can declare the car a total loss.

For example, if your Manza has an IDV of ₹50,000, repairs costing ₹37,500 reach the 75% mark. So, choosing a very low IDV can work against you in two ways: you may receive a lower payout, and the car could be written off instead of repaired after a major accident.

What IDV to set on a Tata Manza

To choose the right IDV for Tata Manza, start by checking what similar models are selling for today. Look at cars with a similar year, fuel type, variant, mileage and condition. Use this as a guide to set your IDV, rather than choosing the lowest amount just to save on premium.

However, you cannot simply set a very high IDV to get a bigger payout. The IDV should be close to the car’s actual market value, and the insurer may not accept an inflated amount. If your Manza is financed, also check your IDV against the remaining loan amount.

The Mistake to Avoid

For an older Tata Manza, choosing the lowest possible IDV just to reduce the premium can be a costly mistake. If you keep comprehensive insurance, set the IDV close to the car’s current value so the cover remains useful when you need it.

Return to Invoice isn't an option for an older Manza, as it is meant for eligible newer cars. This means the IDV becomes especially important, as it determines the maximum amount payable in case of theft or total loss, subject to the policy terms. At TATA AIG, we avoid IDV negotiation at claim time to ensure you receive fair compensation.

Tata Manza insurance price depends on two main parts. The third-party premium is fixed based on the car's engine capacity, while the own-damage premium can vary based on factors such as the car's IDV, age, location and claim history.

**The Fixed Part: Third-party Premium **

The Tata Manza was offered with petrol and diesel engines within the 1,000–1,500 cc range. This means its third-party premium falls under the same engine-capacity band, regardless of the car's current market value. IRDAI fixes the third-party rate, and it does not vary between insurers.

The Variable Part: Own-damage Premium

The own-damage portion of your Tata Manza insurance premium depends on various factors such as:

What You Can Do

• Choose a realistic IDV: Set the IDV close to your Manza's current market value instead of choosing the lowest figure just to save on premium.

• Check add-on eligibility: Since the Manza is discontinued, check whether an add-on is actually available for your car before including it.

• Keep vehicle details correct: Make sure the variant, fuel type and other details match your RC and policy.

• Compare the full policy: Look beyond the premium while checking Tata Manza insurance quote and compare the IDV, deductibles, coverage and eligible add-ons.

Protect your Tata Manza against theft, accidental damage, flood damage and more with our plan

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What’s Covered

What’s Not Covered

• Normal Wear and Tear: Normal ageing, depreciation, wear and tear, regular servicing and maintenance costs5 of your Tata Manza are not covered.

• Accessories and Modification After Purchase: Undeclared accessories or modifications to the Manza, such as interiors, wheels or tyres, may not be covered. Eligible accessories need to be declared and included in the policy.

• Mechanical or Electrical Breakdown: Mechanical or electrical failures, component faults or breakdowns that are not caused by an insured accident are not covered.

• Consequential Loss: Any further damage caused by continuing to drive the Manza after an incident is not covered. For example, driving through water and causing additional engine damage may be excluded.

• Breaches of Law or Policy Violations: Any damage or loss to the Tata Manza due to a violation of law is not covered.

• War or War-like Events: Damage or loss caused by war, invasion, mutiny or similar events is not covered.

• Loss or Damage Outside India: Damage to your Tata Manza outside India is not covered unless the policy's geographical area is extended through the applicable endorsement.

Cashless Claims

• Register Your Claim: Inform TATA AIG via 022-6489-8282, email (general.claims@tataaig.com), WhatsApp (9136160375), website, app or by visiting the branch.

• Select Network Garage: Take your Manza to a TATA AIG network garage. The 6,300+ cashless network includes Tata Motors authorised service centres, with pick-up and drop-off support also available.

• Complete Vehicle Inspection: A surveyor will inspect the car. Do not start repairs before the inspection or approval.

• Get Repairs Done: Once approved, the network garage will initiate the vehicle repair process. If a garage owner finds additional damage during repairs, they will send us an updated repair bill for assessment and approval.

• Final Bill Settlement: TATA AIG settles the approved amount with the garage. You pay applicable deductibles, depreciation and non-covered expenses.

Reimbursement Claims

• Register Your Claim: Inform TATA AIG through 022-6489-8282, email at general.claims@tataaig.com, WhatsApp at 9136160375. You can also explore the online claims page, mobile app or branch office.

• Complete the Survey: TATA AIG may arrange a physical or digital survey. Do not start repairs before the inspection unless instructed to do so.

• Pay and Repair: After approval, get your Tata Manza repaired at an authorised garage and pay the bill yourself. Keep the original bills, invoices and receipts.

• Submit Documents: Send the required documents and repair bills after the repairs. Missing documents can delay reimbursement.

• Receive Reimbursement: Claims are generally settled within 7 days after receiving all required documents, with payment through NEFT.

Note: Since Tata Manza is discontinued, some genuine parts may be unavailable. In such cases, the claim may move towards a total-loss settlement, which makes choosing the right IDV important for the applicable payout.

• Claim Form: Duly completed and signed form by the policyholder.

• Car Insurance Policy: Copy of the valid policy schedule or certificate.

• RC and Driving Licence: Copies of the vehicle Registration Certificate and driver's licence.

• Identity and Address Proof: Aadhaar, PAN, Passport or Voter ID, as applicable.

• Garage Repair Estimate: Repair estimate issued by the network or authorised garage.

• Damage Photos or Videos: Photographs or videos showing the damage to the Tata Manza.

• Original Repair Bills and Payment Receipts: Required for reimbursement claims.

• Medical or Third-Party Bills: Required for claims involving injuries or personal accident expenses.

• FIR or Police Report: May be required for theft, major accidents or legal disputes.

• Original Vehicle Keys: All available key sets for theft claims.

• NOC from Financier: Required for theft or total-loss claims if the Manza is under an active loan.

• No Trace Report: Required for theft claims when the police close the investigation without recovering the vehicle.

• RTO Forms 28, 29 and 30: Required for eligible theft and total-loss claims to facilitate transfer of the vehicle or salvage. These are not required for repair claims.

• Court Summons or Legal Notice: Required if third-party legal proceedings are initiated.

Note: The documents required may vary depending on the type of claim. TATA AIG will inform you about the required documents when you register your claim. We will communicate any additional documents through your registered mobile number, email or post.