Tata Sierra Car Insurance

Tata Sierra insurance provides protection for your vehicle against various types of damage, including accidents, theft, and flood damage. Not just this, the all-new Tata Sierra insurance plan also keeps you compliant with the traffic laws.

With insurance in place, vehicle owners do not have to worry about the hefty repair costs if their vehicle is damaged. This gives Tata Sierra owners confidence to drive worry-free on the road.

With Tata Sierra car insurance plans, you do not have to worry about unexpected situations happening on the road, as your plan will cover everything. Here are some of the benefits of buying Tata Sierra insurance.

Legally Compliant

Tata Sierra owners need to remain compliant with the Indian Motor Vehicles Act. Driving without a third-party car insurance is a violation of traffic law and can attract hefty fines and penalties. The fines range between ₹2000 to ₹4000, and in some cases, it can also lead to imprisonment for up to 3 months.

Covers Hefty Repair Expenses

Repairing a premium SUV like the Tata Sierra can strain your budget, especially if there is major damage. Comprehensive insurance cushions you from these unexpected costs. It helps pay for repairs to the exterior, mechanical components and electrical systems, making the overall expense far more manageable.

Natural Calamities Coverage

The Tata Sierra has a strong build, but extreme situations such as floods, storms, or landslides can still damage the vehicle. With Tata Sierra insurance, you get protection against these natural disasters.

It covers repair costs if your car gets affected by heavy rain, waterlogging, falling trees or other calamities, so you
don’t have to bear the financial burden on your own.

Theft Coverage

Premium SUVs like the Tata Sierra are always an attractive option for thieves. Due to its premium quality and high resale value, theft is highly probable for this car. However, with the comprehensive car insurance plan with return-to-invoice cover, Sierra owners can recover the vehicle's original price if it is lost or stolen and cannot be found.

Also Read: Benefits of Car Insurance

TATA AIG offers various four-wheeler insurance plans for TATA Sierra, customised to your vehicle's needs. Let us learn in detail about these car insurance plans.

Third-party Car Insurance Plan

TATA AIG offers a third-party car insurance plan for the Tata Sierra, which is mandatory for vehicle owners to remain compliant with the law. With this car insurance plan, Tata Sierra owners can offer financial protection against third-party and property damage caused by their insured vehicles. It also comes with personal accident cover for the owner-driver.

Standalone Own Damage Car Insurance Plan

This type of car insurance plan is ideal for Tata Sierra owners who already have a third-party car insurance plan. With a standalone own-damage car insurance plan, the vehicle's own damage resulting from accidents, collisions, earthquakes, etc., is covered. The plan pairs well with third-party car insurance.

Comprehensive Car Insurance Plan

TATA AIG comprehensive car insurance offers protection for vehicles against damage from accidents, collisions, and other perils. Furthermore, it also covers the third-party and property damage caused by your insured car. Along with this, it also comes with unique add-ons, such as zero depreciation and engine security, to enhance vehicle coverage.

Also Read: 5 Types of Car Insurance Coverage Explained

Let us understand in detail how the Tata Sierra car insurance plan works. Raghav has purchased a comprehensive Tata Sierra insurance from TATA AIG. He was driving his Tata Sierra through a busy road when a biker suddenly swerved in front of him. He applied the brakes in time, but the impact still left a dent on the bumper and some scratches on the side panel.

Because Raghav has a comprehensive car insurance plan, he doesn’t have to stress about the repair bill. His policy covers damage to his own car and protects him from any penalties or liabilities that might arise during such incidents. All he needs to do is take his car to a cashless garage, file a claim, and TATA AIG handles the rest.

Whether you are driving your Tata Sierra on a daily city commute or taking it on long rides, a voluntary add-on to your car insurance plan offers enhanced protection for your vehicle. Here are some of the popular add-ons to include in the Tata Sierra insurance plan.

Zero Depreciation Cover

The zero-depreciation add-on for Tata Sierra ensures you receive full compensation for plastic, rubber, and metal parts, with no depreciation deduction. The add-on provides significant value if the vehicle has been in regular use or is new.

Also Read: Zero Depreciation in Car Insurance

Engine Protection Cover

Including engine protection cover is also a valuable addition to comprehensive car insurance plans. This add-on protects the Tata Sierra engine and gearbox against water ingress, lubricant failure, and other damage.

Also Read: Engine Protection Cover in Car Insurance

Repair of Glass Fibre and Plastic Parts

The repair of glass fibre and plastic parts add-on is especially useful for a vehicle like the Tata Sierra. It lets you repair or replace bumpers, mirrors, trims and other non-metal parts without losing your No Claim Bonus.

Tyre Secure Cover

With this add-on, your Tata Sierra's tyres and tubes get extra protection. If the tyre is cut, punctured, or damaged by an impact, you can claim the cost of repair or even replacement.

Also Read: Tyre Protection Cover in Car Insurance

Consumables Cover

With this add-on, the cost of consumables such as brake fluids, nuts, bolts, etc., is covered and is generally used during repair. These costs are generally excluded from the standard car insurance policy.

Also Read: Consumables Cover in Car Insurance

Daily Allowance

If your Tata Sierra is in the garage after an accident, this add-on helps you manage your daily travel by hiring transport. You get a fixed allowance for a few days to cover cab or travel expenses until your car is ready.

Roadside Assistance Cover

If your Sierra breaks down in the middle of a highway or gets a flat tyre in the city, this cover sends help right away. You get assistance for towing, battery issues, flat tyres, fuel delivery and minor mechanical faults.

Also Read: Roadside Assistance in Car Insurance

Key Replacement Cover

Modern car keys are costly to replace. If your Tata Sierra key gets lost, stolen or damaged, this add-on covers the cost of a new key. Not only this add-on, but also the lock-set replacement will be covered if required.

Emergency Transport and Hotel Expenses Cover

If your Sierra breaks down far from home and can’t be repaired immediately, this add-on covers your hotel stay and travel arrangements. It keeps you comfortable and safe during unexpected situations.

Also Read: Emergency Transport and Hotel Expenses in Car Insurance

Loss of Personal Belongings

If your personal items, such as a laptop, phone, or bag, are stolen from your Tata Sierra, this cover helps you recover the cost. It provides financial support when valuables are stolen or go missing due to a break-in.

Misfuelling Cover

Filling the wrong fuel is a common mistake. If someone accidentally adds the wrong fuel to your Tata Sierra, this add-on covers the cost of flushing the fuel system and repairing any engine damage.

Electric Surge Secure

With this add-on, policyholders can protect the vehicle from electrical surges or short circuits. It covers damages to critical electrical components caused by sudden voltage fluctuations.

Vehicle Loan Protector

If the policyholder passes away or suffers permanent disability, this cover clears the outstanding loan on the Tata Sierra. This add-on helps in reducing the financial burden during challenging times.

Battery Depreciation Allowance

If you are planning the new Tata Sierra booking, the Battery Depreciation Allowance is worth considering. It is ideal for the Sierra EV. This add-on covers the depreciation cost of the vehicle’s battery during a claim.

Along with this, you can also enjoy other add-ons with TATA AIG car insurance, such as NCB protector, Return-to-Invoice cover and so on.

While purchasing a Tata Sierra insurance, vehicle owners need to consider certain factors to make an informed decision. These factors are:

Policy Coverage

When choosing a plan for Tata Sierra, always consider which policy best aligns with your driving needs. If you drive a vehicle occasionally, go with basic third-party car insurance. For enhanced vehicle coverage, choose the comprehensive car insurance plan.

Insured Declared Value

While choosing the Tata Sierra insurance, consider the insured declared value as well. The vehicle's current market value determines the compensation in the event of a total loss or theft.

If the Sierra’s IDV is high, it means high compensation; however, it also leads to higher premiums. Choosing the right IDV is crucial while buying a plan.

Add-ons Availability

Another important factor Tata Sierra owners need to consider when buying a plan is the availability of add-ons. Add-ons are voluntary offerings that offer added security to vehicle owners based on their needs. However, vehicle owners need to pay a marginally higher premium to include an add-on in the plan.

Claims Settlement Process

While buying the Tata Sierra, also considered the claim settlement process. A smooth and easy claim process ensures you get the right support from your car policy when you need it the most. We at TATA AIG offer 750+ claim experts to guide you through the claim process and easy, online claim processes.

Also Read: Car Insurance Claims Process

Premium Amount

Lastly, consider the cost of Tata Sierra insurance while buying a plan. Pick a policy that balances cost and coverage, ensuring you get solid protection without stretching your budget unnecessarily. You can also use the car insurance premium calculator to estimate the plan's premium.

Buying insurance for the iconic Tata Sierra from TATA AIG is easy. Here is how you can buy a car insurance plan in a few steps.

• Step 1: Go to the official TATA AIG website and scroll to the “Personal” tab, and select the “Car Insurance” plan.
• Step 2: For a brand new Tata Sierra, click on the “Insure your Brand New Car” option. Select the vehicle variant, type, etc and then click on the “See Price” option.
• Step 3: Different car insurance plans will be showcased; choose the one that fits your driving needs. Select the adequate IDV and add-ons.
• Step 4: After selecting the plan, complete the CKYC process and pay for Tata Sierra insurance.
• Step 5: Once payment is complete, a car insurance policy will be sent to your registered email address.

Once it is time to renew their car plan with TATA AIG, Tata Sierra owners can renew it in just a few steps. Here’s how the renewal process works:

• Step 1: Visit the TATA AIG website, open the “Renewal” section and select the Car option.
• Step 2: Enter your Tata Sierra’s registration number or use your existing policy number, then click Renew.
• Step 3: Your current policy details will appear on the screen. Review the coverage and make any necessary changes.
• Step 4: Confirm the details, complete the CKYC verification and proceed with the payment using your preferred method.
• Step 5: After payment is processed, the renewed Tata Sierra insurance policy will be emailed to you.

The new Tata Sierra insurance price is calculated based on factors such as vehicle type, age, IDV, and more. All these factors impact the Tata Sierra insurance premium. Let us learn about these factors in detail.

• Vehicle type and variant: One factor that affects Tata Sierra insurance costs is the vehicle type and variant. Generally, the top variant of the Tata Sierra has a higher insurance premium compared to the base variant. Also, Tata Sierra electric cars will have high premiums due to expensive parts.
• Vehicle age: Older cars usually have lower insurance premiums because their market value reduces over time. Newer Tata Sierra models, on the other hand, may have slightly higher premiums since their repair and replacement costs are higher.
• Insured declared value: The insured declared which is the current market value of the vehicle, also affects its premiums. A high IDV for the Tata Sierra will lead to a higher premium. A lower IDV lowers the premium but also reduces the claim amount you receive in the event of a total loss or theft.
• Geographical location: Where you drive and park your Tata Sierra also affects the premium. Cars used in metro cities or accident-prone areas usually have higher premiums because the risk of damage, theft or traffic incidents is greater. Vehicles in smaller towns or low-risk zones generally have lower premiums.
• Add-ons: Including add-ons in the car insurance plan also affects the cost of Tata Sierra insurance. These are voluntary offers to enhance vehicle coverage. But it also increases the car insurance premium. So it is important to consider including the add-ons you genuinely require while purchasing a plan.
• No claim bonus discount: Your accumulated No Claim Bonus also impacts the Tata Sierra insurance premium. If you haven’t raised any claims during the policy period, you earn an NCB, which can be used at renewal to reduce the premium. The higher the NCB, the bigger the discount you receive.
• Deductibles: Deductibles are the amount you agree to pay from your pocket during a claim. If your voluntary deductible is higher, your Tata Sierra insurance premium becomes lower. If the deductible is low, the premium will be slightly higher because the insurer carries more of the risk.

Filing a Tata Sierra insurance claim with TATA AIG is simple and only requires a few steps. Policyholders can either file a cashless claim or go with a reimbursement option. Let us discuss both the plans in detail.

Cashless Claim Procedure for Tata Sierra

• Step 1: Notify us about the Tata Sierra damage by calling the helpline number (02264898282) or by using a self-service portal.
• Step 2: Use a garage locator tool to find the nearest Tata Sierra repair network garage in your area.
• Step 3: Take the vehicle to the network garage and provide the necessary car insurance documents to the professional.
• Step 4: A Surveyor will be assigned to inspect the Tata Sierra damage and also the car insurance document.
• Step 5: Once approved, the professional will begin the repair process, and after that, you can take Tata Sierra home without paying any cash.

Reimbursement Claim Procedure for Tata Sierra

• Step 1: To initiate the reimbursement procedure, you need to inform TATA AIG about the incident using a self-service portal or by calling the helpline number (02264898282).
• Step 2: After notifying, take your vehicle to the nearest authorised garage of your choice for repair.
• Step 3: Get the vehicle damage assessment and repairs done by a professional. Once done, pay the repair fees to the garage owner.
• Step 4: File a reimbursement claim by submitting the claim form and original repair receipts and bills.
• Step 5: We will verify the claim form and documents, and upon approval, we will release the amount directly to your bank account.

To file a Tata Sierra insurance claim, you need to submit the documents mentioned below to the TATA AIG representative.

• Original Tata Sierra car insurance documents
• Duly filled and signed claim form
• Tata Sierra repair estimates
• Original repair invoices and bills
• Vehicle registration certificate
• Copy of driving licence
• Videos and photographs of the Tata Sierra damage
• Copy of FIR if applicable
• Any other documents asked by representatives.

Knowing all about the iconic Tata Sierra insurance is crucial for vehicle owners to protect their investment from damage and loss. New car insurance also ensures your Tata Sierra remains compliant with the law. Driving without a four-wheeler insurance can attract a penalty from traffic authorities.

With this in mind, if you want to buy car insurance online, then TATA AIG offers a customised four-wheeler
insurance plan based on your needs. For example, we offer third-party car insurance for Tata Sierra owners who only want basic protection.

In addition, we offer a comprehensive car insurance plan for vehicle owners seeking enhanced coverage against various perils, including vandalism, flood damage, theft, and more. Not just this, you can also decide the IDV in car insurance at the time of buying a plan.

Our car insurance plan also comes with features such as a wide network of garages, a unique list of add-ons, a no-claim bonus discount, and more. Secure your Tata Sierra with our affordable, customisable car insurance plans.