Tata Safari Storme Car Insurance

With Tata Safari Storme insurance, you can avoid hefty repair expenses. Here is how you can buy and renew car insurance online with TATA AIG. Second-hand vehicle owners need to undergo an inspection before buying a plan.

How to Buy

• Step 1: Go to the top of the page or mobile app to check available insurance options for your Safari Storme.
• Step 2: Enter your Tata Safari Storme's registration number to get an estimated premium.
• Step 3: Add the requested SUV and policyholder information to proceed with the quote.
• Step 4: Compare the available car insurance options and select the one that suits your requirements.
• Step 5: Pay online to complete the purchase and receive your policy documents.

How to Renew

• Step 1: For car insurance renewal, go to the top of page or use the TATA AIG mobile app.
• Step 2: Enter your Safari Storme’s registration number or details of your existing policy to retrieve the renewal information.
• Step 3: Check the available renewal quote and verify your vehicle and policy details.
• Step 4: Select the coverage you want to continue with or make changes based on your current requirements.
• Step 5: Pay the renewal premium online to complete your online car insurance policy renewal and download the updated policy document.

Important tip: If the car insurance policy has lapsed and crossed a 90-day grace period, you may need to undergo a vehicle inspection.

Purchase Tata Safari Storme car insurance online with TATA AIG Now!

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Third-Party Coverage is a Legal Requirement

Safari Storme may be an older model, but an accident involving it can still result in costly third-party claims. For example, if the Storme causes damage to a third party or their property, you are responsible for paying eligible compensation to the affected third party.

A third-party insurance plan can save you from these expenses. Also, Tata Safari Storme third-party insurance is mandatory before you get on the road. Failing to maintain the required cover can attract a fine of ₹2,000 for a first offence and ₹4,000 for subsequent offences, or imprisonment of up to three months.

Cashless Repairs Without Paying Upfront

Tata Safari Storme is known for its dimensions, which can make tight parking spaces, narrow lanes and busy roads harder to navigate. A small scrape or collision can damage its bumper, doors, fenders or other exterior parts.

To make the repairs easy for your Storme, TATA AIG has an extensive network of 6,300+ authorised garages in the country, including Tata service centres. We also offer a dedicated claim handler, pick-up and drop-off service, and roadside assistance with a response time of 1 hour in the city, 2 hours on the highway, and 3 hours on difficult or remote terrain.

Covers Fire, Natural & Man-Made Disasters

Tata Safari Storme insurance can protect your Storme against eligible damage caused by floods, storms, earthquakes, fire and other covered natural or man-made hazards. During extreme monsoons or street flooding, parked vehicles frequently suffer extensive damage.

Repairing this kind of damage out of pocket can lead to hefty bills. But with a comprehensive insurance plan, you can cover the repair expenses without any financial burden.

Covers Theft & Total Loss

Imagine your Safari Storme is parked near a railway station while you are travelling, and you return to find it missing. In another situation, a severe collision during a highway trip could leave the SUV beyond economical repair. Comprehensive insurance can protect you financially against eligible theft and total-loss claims.

For a discontinued SUV like the Safari Storme, replacing the vehicle can be costly. In an eligible total-loss or theft claim, the applicable Insured Declared Value (IDV) helps determine the claim payout under the policy.

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No IDV Negotiations

Get the agreed IDV with zero haggling

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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

It is an ideal choice for Tata Safari Storme owners who want broader protection for their vehicles. Along with third-party liability, it protects the vehicle against accidental damage, theft, fire and natural and man-made disaster damage . You can also include add-ons to enhance the vehicle coverage.

Buy Comprehensive Car Insurance

Third Party Car Insurance

This cover suits Tata Safari Storme owners who want to meet the mandatory insurance requirement for driving on Indian roads. It covers your legal liability if the SUV causes injury, death or property damage to a third party. However, it does not cover damage to your own Safari Storme.

Buy Third-party Car Insurance

Own Damage Car Insurance

This option suits Safari Storme owners who already have a valid third-party policy but want protection for their own vehicle. It covers eligible damage to the SUV caused by events such as accidents, theft, fire, floods and other covered natural or man-made events.

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 third-party coverage or choose a comprehensive plan. Ask yourself: If your Tata Safari Storme were totaled or stolen 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.

Tata Safari Storme is a discontinued model, but you can still buy some add-ons online with your Safari Storme insurance until they reach their applicable age limits. Here are some add-ons worth considering

Depreciation Reimbursement (Zero Depreciation)

This add-on can be useful for Tata Safari Storme models up to 10 years old. With this zero reimbursement, you can reduce depreciation deductions on eligible parts. It helps you in receiving higher claim payout.

Engine Secure

The engine secure add-on can cover eligible engine damage caused by water ingression or oil leakage, including repair costs and applicable consumables, subject to the policy terms. This can be useful for Safari Storme owners driving through waterlogged roads.

NCB Protection

This add-on allows you to protect your accumulated no-claim bonus discount even after making a claim. This NCB discount helps lower your premium at renewal. TATA AIG offers NCB protection cover for vehicles up to 10 years old.

Roadside Assistance

This add-on is useful for Tata Safari Storme owners who take their vehicles to difficult or uneven terrain. With RSA cover, if your vehicle breaks down, has a puncture, battery issues, etc., in a remote location, we will provide the necessary assistance.

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

Whether you buy car insurance for new cars or older models like the Safari Storme, the insured declared value is what you should focus on. It is the vehicle’s current market value and the maximum payout you receive if the car is stolen or damaged beyond repair.

For discontinued models like Tata Safari Storme, the IDV is not calculated based on the standard age-based depreciation table. It is decided by mutual agreement between vehicle owners and TATA AIG.

The Trade Off

The Part Owners of Older Cars Miss

When renewing insurance for a discontinued SUV like the Safari Storme, don't treat the IDV as just a number that affects your premium. It represents the maximum amount considered for an eligible total-loss or theft claim. Choosing a lower IDV may lower the premium, but it can also reduce the claim amount if the SUV is stolen or cannot be repaired economically.

The IDV can also influence whether a vehicle is considered a constructive total loss. If the estimated repair cost reaches 75% of the IDV, the insurer may treat the vehicle as a total loss, subject to the policy terms.

What IDV to set on a Tata Safari Storme

Start with the current resale prices of Safari Storme models similar to yours. Consider the SUV’s age, variant, fuel type, mileage and condition when comparing prices. This can help you arrive at an IDV that reasonably reflects its present value.

The Mistake to Avoid

Do not choose the lowest possible IDV, as it leaves you with a lower payout after theft or total loss. Since Return to Invoice generally doesn't apply to older vehicles, IDV becomes even more important when determining the claim amount.

The Tata Safari Storme car insurance price has two main components. Third-party insurance is priced based on the SUV's engine capacity and follows rates set by the regulator. The own-damage premium, on the other hand, can change based on factors such as the Safari Storme's IDV, age, registration location, claims history and selected add-ons.

The Fixed Part: Third-party Premium

The Safari Storme was available with diesel engines, including variants with engine capacities above 1,500 cc.

The Variable Part: Own-damage Premium

The own-damage component of your Safari Storme car insurance price can vary depending on several factors:

What You Can Do

• Choose an IDV that reflects your Safari Storme's current value instead of selecting the lowest option only to reduce the premium.
• When checking a Tata Safari Storme insurance quote, look at the IDV, deductibles, coverage and add-ons along with the premium.
• Consider add-ons based on how and where you use the SUV, and check their eligibility for your vehicle.

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What’s Covered

What’s Not Covered

• Mechanical or Electrical Breakdown: Repairs arising from mechanical, electrical or component failures are not covered unless the damage results from an insured event .
• Wear and Tear: Routine maintenance, servicing, ageing, depreciation and normal wear and tear of the Safari Storme are excluded from coverage .
• Undeclared Modifications: Accessories or modifications that were not declared when taking the policy may not be covered. Eligible additions should be disclosed and included in the policy .
• Consequential Damage: Any further damage to Safari Storm caused by continuing to use the vehicle after an incident may not be covered .
• Violation of Law: Loss or damage resulting from unlawful use of the Safari Storme or a breach of applicable laws and policy conditions is not covered.
• War and Related Events: Damage caused by war, invasion, mutiny, rebellion or similar events is excluded.
• Damage Outside India: The policy does not cover loss or damage occurring outside India unless the geographical area has been extended through the applicable endorsement.

Cashless Claims

• File Your Claim: Notify a TATA AIG representative by calling 022-6489-8282 or emailing general.claims@tataaig.com or visit the branch office. You can also WhatsApp at 9136160375 or visit the online claim portal or mobile app.
• Choose Network Garage: Take your Safari Storme to a TATA AIG authorised network garage. We have 6,300+ garages spread across the country with vehicle pick-up and drop-off facilities for seamless cashless repairs.
• Carry Out Vehicle Inspection: After that, our assigned surveyor will assess the Storme for damage. It is advisable not to start the repair process before the survey is completed.
• Complete Repair Process: Once the survey is done, the mechanic will start the vehicle repair process. If the mechanic finds additional damage, they will send a revised repair estimate to TATA AIG for assessment.
• Final Bill Settlement: After a successful repair, TATA AIG will pay the eligible repair bills directly to the garage owner. You only need to pay for depreciation, deductibles, and other non-covered expenses.

Reimbursement Claims

• Intimate About Claim: Notify TATA AIG about damage through 022-6489-8282 or by emailing general.claims@tataaig.com or WhatsApp at 9136160375. You can also visit the branch or submit a claim via the claim portal or mobile app.
• Complete the Vehicle Survey: After that, TATA AIG will ask you to undergo a digital or physical inspection. Do not take the vehicle for repairs unless the inspection is done.
• Pay for Repair Expenses: After the vehicle inspection, take the vehicle to any garage of your choice. Get the repairs done and pay the money yourself. Collect all the original receipts.
• Submit Documentation: Submit the necessary documents and repairs bills to TATA AIG. Ensure all the documents are correct to avoid delay.
• Receive Reimbursement: TATA AIG will settle the claim within 7 days after receiving all the documents. The payment will be made through NEFT.

Note: Since the Safari Storme is no longer in production, some parts may be harder to source. If repairs are not feasible after severe damage, the vehicle may be treated as a total loss, making the selected IDV important for the claim payout.

• Completed and signed car insurance claim form.
• Copy of car insurance policy schedule or certificate.
• Copy of driving licence or vehicle registration certificate.
• Identify proof such as Aadhaar card, PAN card, voter ID, etc
• Repair estimate issued by the authorised or network garage.
• Videos or photographs of the damaged Safari Storme.
• Original repairs bills or invoices for reimbursement claim.
• Medical or third-party bills for injury-related claims.
• FIR or police report for theft or major accidents.
• Original vehicle keys for theft claims.
• Financier’s NOC for eligible theft or total-loss claims with an active loan.
• No Trace Report for unrecovered theft cases.
• RTO Forms 28, 29 and 30 for eligible theft or total-loss claims.
• Court summons or legal notice for third-party legal proceedings.

Note: The list of documents may vary by claim type. TATA AIG representatives may ask for additional documents if required during claim assessment or document verification.