TATA Tiago EV Insurance
TATA Tiago EV Insurance
Tata Tiago EV is an electric vehicle (EV) made by Indian automaker Tata Motors. It is based on the Tata Tiago hatchback but replaces the internal combustion engine with an electric motor. Key features of the Tata Tiago EV include an electric drivetrain that delivers instant torque, a top speed of 85 km/h, and a range of up to 142 km on a single charge. The vehicle also features a 7-inch touchscreen infotainment system with support for Android Auto and Apple CarPlay.
When you drive a car, you cannot always avoid accidents or collisions. These events can damage your vehicle or cause damage to a third-party person or property. To protect yourself, it is important to buy a comprehensive car insurance policy that offers complete coverage. While it is mandatory to buy a third-party four wheeler insurance plan if you are looking for complete coverage for your Tiago EV, then you need to opt for a comprehensive Tata Tiago EV car insurance policy. These policies offer complete protection against third-party liabilities and damages to your car due to accidents and certain non-collision events.
When you decide to buy car insurance for your Tiago EV, you will have to sift through numerous plans offered by different insurers. It is important to compare providers and plans and use an online calculator to find the most cost-efficient plan for your needs. TATA AIG is known to be a reliable car insurer offering a feature-rich comprehensive Tata Tiago EV insurance plan.
Tata Tiago EV Car Insurance Renewal/Purchase via Tata AIG
Traditionally, buying or renewing a car insurance policy was an offline process where you needed to visit the office of the insurer. In recent years, most insurers have started offering online processes to buy Tata car insurance or opt for Tata Tiago EV car insurance renewal. With TATA AIG, you can buy/renew a car insurance policy in a hassle-free manner. Here is a quick look at the process:
Visit the official website of TATA AIG
Visit the Car Insurance Page by clicking on All Products >> Car Insurance in the top menu
On this page, enter the registration number of your car and click on one of the following options:
Get Price: If you want to purchase a new comprehensive Tata Tiago EV car insurance plan, then click on “Get Price”
Renew: If you have a TATA AIG Tata Tiago EV car insurance policy and want to renew it, then click on “Renew”
On the next page, we will offer a list of IDVs. The Insured Declared Value (IDV) of a car is its current market value that is used by insurers to determine the sum insured and the premium of the policy. Hence, make sure that you choose the IDV carefully.
If you are opting for Tata car insurance renewal, then you will be required to enter details of any claim filed during the previous policy term.
You will have to select add-on covers to customize the policy as per your needs. Choose these covers carefully as they can increase the premium of the policy
Next, choose the voluntary deductible. This will be the amount that you agree to pay at the time of filing a claim. In return, the insurer offers a discount on the premium of the policy
With these details, we will calculate the premium and make an offer
You will be required to pay the premium using a digital payment method
Upon receipt of the payment, we will share the policy documents via email
Tata Tiago EV Insurance Price – Your Premium Amount
When you buy a car insurance policy, you have to pay a premium for the coverage offered. This premium can vary based on the features of the policy and its term. Car insurance plans are available at different prices and hence, to find the most cost-efficient policy, you need to compare plans and use online car insurance calculators. You also need to understand how insurers calculate premiums so that you can tailor policies as per your budget. Here are the factors that determine the premium of a comprehensive car insurance policy:
Driver's age and gender: Young and inexperienced drivers are considered high-risk and hence their insurance premiums are higher compared to older and more experienced drivers. Additionally, statistics show that men have higher accident rates compared to women and this too is taken into account while determining their insurance premium.
Driving history: A driver's past driving history and record, such as traffic violations and accidents, can significantly impact the insurance premium. Safe drivers with a clean record are usually eligible for lower premiums.
Vehicle type and model: The make and model of the vehicle being insured is also a factor that influences the premium. High-end and luxury vehicles are more expensive to insure due to their high replacement costs, while older vehicles are often cheaper to insure.
Location and usage: Where the vehicle is primarily driven and how it is used also impacts the premium. Urban areas with high traffic density tend to have higher accident rates, and hence higher insurance premiums compared to rural areas. If the vehicle is used for commercial purposes, the premium is usually higher compared to personal use.
Mileage: The annual mileage of the vehicle is also taken into account while determining the insurance premium. Higher mileage means a higher chance of an accident and hence, a higher premium.
Claims history: The number and type of claims made by the policyholder in the past can affect the premium. A history of frequent claims may result in higher premiums.
Deductible amount: The deductible amount is the portion of the claim that the policyholder pays out of pocket. A higher deductible amount usually results in a lower premium, and vice versa.
Coverage limits: The amount of coverage selected by the policyholder also impacts the premium. Higher coverage limits result in higher premiums, while lower limits result in lower premiums.
Add-on coverage options: Additional coverage options, such as roadside assistance and rental car coverage, can increase the premium.
Insurance company's policies and underwriting practices: Different insurance companies have different policies and underwriting practices, which can affect the premium. It is important to compare insurance quotes from multiple companies to find the best coverage at the best price.
Things Covered and Not Covered under Tata AIG’s Tata Tiago EV Car Insurance
|Things Covered Under Tata AIG’s Tata Tiago EV Car Insurance||Things Not Covered Under Tata AIG’s Tata Tiago EV Car Insurance|
|Own Damage (OD) Cover: This covers the policyholder's car against damages caused due to accidents, fire, theft, and natural calamities.||Normal wear and tear of the car and its parts: The policy does not cover damages caused due to normal wear and tear of the car and its parts, such as tire wear, battery discharge, and clutch or brake lining wear.|
|Third-Party Liability Cover: This covers the policyholder's legal liability for damages caused to a third party's property or injury/death to a third party.||Mechanical and electrical breakdowns not caused by an accident: The policy does not cover damages caused due to mechanical or electrical breakdowns that are not the result of an accident, such as engine failure, transmission problems, and electrical faults.|
|Personal Accident Cover: This covers the policyholder and co-passengers in the event of death or permanent disability due to an accident.||Damages to the car caused by driving under the influence of alcohol or drugs: The policy does not cover damages caused to the car while the policyholder was driving under the influence of alcohol or drugs.|
|Medical Expenses Cover: This covers medical expenses incurred by the policyholder and co-passengers in case of an accident.||Deliberate damages caused by the policyholder: The policy does not cover damages caused by the policyholder, either deliberately or recklessly.|
|Add-on covers: These include a range of covers like:
||Consequential losses: The policy does not cover consequential losses, such as loss of use, loss of income, and loss of market value, which are losses that are not directly related to the damages to the car.|
|Damages caused by nuclear war, war, mutiny, and civil commotion: The policy does not cover damages caused due to war, civil commotion, mutiny, or nuclear war.|
|Damages caused while participating in racing, speed testing, or any similar activity: The policy does not cover damages caused while participating in racing, speed testing, or any similar activity.|
|Damages caused while carrying hazardous goods: The policy does not cover damages caused while carrying hazardous goods unless covered by an endorsement.|
Why is it Important to Have Tata AIG for Your Tata Tiago EV Car Insurance?
Buying the perfect car insurance policy is important to ensure complete protection of your car. Before you start looking at the features of the policy, it is important to think about the insurers that you find reliable and customer-friendly. TATA AIG has gained popularity as a trusted name in car insurance with its feature-rich policies, high claim settlement ratios, simple processes, and customer-centric approach. Here are some factors that make TATA AIG a go-to name for car insurance.
Financial stability: Tata AIG is a joint venture between the Tata Group, one of India's largest conglomerates, and American International Group (AIG), a global insurance company. This partnership provides policyholders with the financial stability and security of a well-established insurance provider.
Wide range of coverage options: Tata AIG offers a wide range of car insurance coverage options, including comprehensive, third-party liability, and third-party liability with theft coverage. Policyholders can choose the coverage that best suits their needs and budget.
Network of garages: Tata AIG has a wide network of garages across India, making it easy for policyholders to get their cars repaired in the event of an accident.
24/7 assistance: Tata AIG provides 24/7 assistance to policyholders, including road assistance and towing services.
Convenient online services: Tata AIG offers online services, such as policy renewal, claim settlement, and premium payments, making it convenient for policyholders to manage their insurance needs.
Prompt and fair claims settlement: Tata AIG is committed to prompt and fair claims settlement, providing peace of mind to policyholders in the event of an accident.
Overview – Tata Tiago EV Car Model
Tata Tiago EV is a fully electric vehicle manufactured by Tata Motors, an Indian automotive company. It is part of the company's efforts to bring affordable and reliable electric vehicles to the Indian market. Here is a detailed overview of the Tata Tiago EV:**
Powertrain: The Tata Tiago EV is powered by a 30.2 kWh lithium-ion battery pack, which provides a range of up to 142 km on a single charge. The electric motor produces 30 kW (40 horsepower) and 105 Nm of torque, which allows the car to accelerate from 0 to 60 km/h in just 5.6 seconds.
Charging: The Tata Tiago EV can be charged using a standard 15 A household socket, which takes around 8 hours for a full charge. The car also comes with an option for fast charging, which can provide an 80% charge in just 1 hour.
Design: The Tata Tiago EV has a modern and stylish design, with a sporty front grille and LED headlights. The car also features a spacious and comfortable cabin, with room for five passengers.
Features: The Tata Tiago EV comes with several modern features, including a 7-inch infotainment system with touchscreen controls, air conditioning, power windows, and power steering. The car also comes with safety features such as anti-lock brakes, electronic stability control, and dual airbags.
Performance: The Tata Tiago EV offers a smooth and quiet driving experience, with instant acceleration and responsive handling. The car is also highly efficient, with low running costs and reduced emissions compared to traditional gasoline vehicles.
The Tata Tiago EV is a great choice for those looking for an affordable and reliable electric vehicle. With its modern design, comfortable cabin, and efficient powertrain, the car provides a compelling alternative to traditional gasoline vehicles.
Tata Tiago EV Variants and Prices
|Tata Tiago EV Variants||Price of Variants (Ex-Showroom Delhi)|
|Tiago EV XE Base||Rs. 8.49 Lakh|
|Tiago EV XT||Rs. 9.09 Lakh|
|Tiago EV XT Base||Rs. 9.99 Lakh|
|Tiago EV XZ Plus||Rs. 10.79 Lakh|
|Tiago EV XZ Plus Fast Charge||Rs. 11.29 Lakh|
|Tiago EV XZ Plus Tech LUX||Rs. 11.29 Lakh|
|Tiago EV XZ Plus Tech LUX Fast Charge||Rs. 11.79 Lakh|
Unique Selling Points: Tata Tiago EV Car Features
The following are the key USPs (Unique Selling Points) of the Tata Tiago EV:
Zero emissions: The Tata Tiago EV produces zero emissions, making it an environmentally friendly choice for drivers. This is a key advantage over traditional gasoline vehicles, which emit pollutants and contribute to air pollution.
Low running costs: The Tata Tiago EV is highly efficient, with low running costs compared to traditional gasoline vehicles. This is due to the low cost of electricity compared to gasoline, and the reduced maintenance costs associated with electric vehicles.
Instant acceleration: The electric motor in the Tata Tiago EV provides instant acceleration, delivering a smooth and quiet driving experience. The car is also highly responsive, with smooth and predictable handling.
Comfortable cabin: The Tata Tiago EV has a spacious and comfortable cabin, with room for five passengers. The car also features a modern and stylish design, with a sporty front grille and LED headlights.
Convenient charging: The Tata Tiago EV can be charged using a standard 15 A household socket, which takes around 8 hours for a full charge. The car also comes with an option for fast charging, which can provide an 80% charge in just 1 hour.
Government incentives: The Tata Tiago EV is eligible for government incentives, which can reduce the cost of ownership. This makes the car an even more affordable and accessible choice for drivers.
Warranty: The Tata Tiago EV comes with a standard warranty, providing peace of mind to drivers. The warranty covers the battery, electric motor, and other components, ensuring that the car is reliable and safe to drive.
These are some of the key benefits or USPs of the Tata Tiago EV. The car provides a great alternative to traditional gasoline vehicles, offering a more environmentally friendly, efficient, and convenient driving experience.
Rivals of Tata Tiago EV
Tata Xpres-T EV
Hyundai i20 N Line
Maruti Suzuki Ciaz
Honda City 4th Gen
Tata Tigor EV
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Frequently Asked Question
Q1. How to Claim Tata Tiago EV Car Insurance?
One of the best features of a TATA AIG car insurance policy is its customer-centric claims process which explains its high claim settlement ratio. You can file a claim under your TATA AIG Tata Tiago EV car insurance plan in a hassle-free manner from the comfort of your home. Here is a quick look at the process:
Visit www.tataaig.com – the official website of TATA AIG
Go to the Claims Page by clicking on “Claims” on the top menu
Choose from these options:
Initiate Claim: Ensure that you click this button if you are planning to purchase a new TATA AIG Tata Tiago EV car insurance policy
Track Claim: Ensure that you click this button if you have already filed a claim and want to track its status
After clicking on “Initiate Claim”, select the product (“Car” in this case) before proceeding to file the claim
Provide your registered mobile number and various other details requested by the site like the details about your car, insurance policy, the FIR filed with the police, and details of the damage to your car.
We will verify the information and documents provided by you and calculate a claim settlement amount
We will initiate the settlement process and send your car to a network garage for repairs
On being repaired, your car will be sent to you
Q2. How to Renew Tata Tiago EV Car Insurance?
- Here is a quick look at the process for Tata car insurance renewal:
- Go to www.tataaig.com – TATA AIG’s official website
- Visit the Car Insurance Page by clicking on All Products on the top menu and Car Insurance in the dropdown
- Provide the registration number of your Tiago EV and click on “Renew”
- Enter the details of your car, existing insurance policy, and personal information to commence the renewal process
- Tailor the policy to your needs by adding/removing add-on covers as per your needs and selecting a voluntary deductible
- Pay the premium using any of the available digital payment methods
- Receive the documents of the renewed policy via email
Q3. How much does the lowest variant of the Tata Tiago EV cost?
The lowest variant of the Tata Tiago EV is the Tiago EV XE Base, priced at Rs. 8.49 Lakh.
Disclaimer: All the car 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..