Tata Tiago EV Car Insurance

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”

1.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.

2.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.

3.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

4.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

5.With these details, we will calculate the premium and make an offer

6.You will be required to pay the premium using a digital payment method

7.Upon receipt of the payment, we will share the policy documents via email

When it comes to insuring your Tata Tiago EV, the premium amount isn’t fixed—it depends on a mix of factors related to the car, your driving habits, and the type of cover you choose. Here’s what goes into determining the insurance price for your Tiago EV:

Insured Declared Value (IDV)

This is the market value of your Tiago EV at the time of buying insurance. A higher IDV offers more coverage but also means a higher premium. Since EV components can be costly to replace, IDV plays a key role in your policy cost.

Driving History

If you’ve had no claims or violations in the past, insurers may offer a lower premium. On the other hand, a history of frequent claims or traffic violations could increase the amount you pay.

Car Variant and Features

Premiums can vary depending on the specific variant of the Tata Tiago EV. Higher-end trims with more features may have higher repair or replacement costs, leading to slightly higher insurance premiums.

Safety Equipment

Cars fitted with safety features like ABS, airbags, and anti-theft devices are often affordable to insure. These features reduce the risk of damage or theft, which insurers factor in when calculating your premium.

Type of Cover and Add-ons

Choosing comprehensive insurance instead of just third-party cover will naturally increase your premium—but it also gives you wider protection. Add-ons like Zero Depreciation, Roadside Assistance, or Battery Cover provide more security but come at an additional cost.

Claim History

Frequent past claims may increase your premium due to a higher risk profile. However, if you haven’t made any claims during your previous policy term, you may be eligible for a No Claim Bonus (NCB), which can reduce your renewal premium significantly.

Car Usage and Parking

If your vehicle is used daily and parked in open areas, insurers may view it as a higher risk. Limited use and secure parking can sometimes result in a lower premium.

TATA AIG offers an online platform where you can check premiums, compare plans, and choose add-ons based on your needs. With features like digital claims, optional coverage add-ons, and over 5900+ cashless garages across India, ensuring your Tiago EV can be a smooth experience from start to finish.

When you insure your Tata Tiago EV with TATA AIG, you get a policy that covers many common risks—along with clear exclusions so you know exactly what’s protected.

What’s Covered?

TATA AIG’s car insurance for the Tata Tiago EV includes:

• Own Damage Cover for accidents, fire, theft, natural disasters, and man-made incidents.
• Third-party liability protects you against legal claims if your car injures someone or damages their property.
• Personal Accident Cover for the owner-driver, with an option to include co-passengers.
• Medical Expenses Cover in case of accidental injuries.
• A wide range of add-on options, such as zero depreciation, engine protection, roadside assistance, and key replacement.

These features help provide broader protection beyond basic cover.

What’s Not Covered?

The policy doesn’t cover:

• Normal wear and tear, battery drainage, or brake/clutch wear.
• Mechanical or electrical failures not linked to an accident.
• Damage caused while driving under the influence or without a valid licence.
• Intentional damage or reckless driving.
• Losses from war, nuclear risks, or illegal use.
• Consequential losses like loss of use or market value.
• Damages from racing or carrying hazardous goods, unless specifically endorsed.

Understanding what your policy includes and excludes helps avoid surprises later and ensures you pick suitable add-ons for your needs.

Every car and every driver is different. With TATA AIG, you can choose from a range of useful add-ons to tailor your TATA Tiago EV car insurance policy to your needs—whether it’s for better repair coverage, extra safety on the road, or added peace of mind during emergencies.

1. No Claim Bonus (NCB) Protection

No Claim Bonus (NCB) Protection lets you keep your accumulated discount on renewal, even after one approved claim during the policy year.

2. Zero Depreciation Cover (Depreciation Reimbursement)

With Zero Depreciation (Depreciation Reimbursement), you get the full value of replaced car parts without deductions for wear and tear.

3. Return to Invoice Cover

The Return to Invoice Cover pays the car’s invoice price, including registration and road tax, if your Tiago EV is stolen or totaled.

4. Engine Protection Cover

Engine Protection Cover helps you handle repair costs for engine damage caused by waterlogging, oil leaks, or non-accidental incidents.

5. Repair of Glass Fibre and Plastic Parts

The Repair of Glass Fibre and Plastic Parts add-on covers common components like bumpers and mirrors without affecting your No Claim Bonus (NCB) Protection.

6. Key Replacement Cover

If your keys are lost or stolen, the Key Replacement Cover reimburses the cost of replacement and reprogramming.

7. Tyre Secure Cover

The Tyre Secure Cover takes care of the repair or replacement cost of damaged tyres and tubes—even if the damage isn’t accident-related.

8. Roadside Assistance Cover

Roadside Assistance Cover provides round-the-clock help for flat tyres, breakdowns, towing, battery jump-starts, or emergency fuel.

9. Consumables Cover

Consumables Cover includes smaller items like engine oil, brake fluid, or washers that are usually not covered under basic policies.

10. Personal Accident Cover for Passengers

Personal Accident Cover for Passengers ensures that co-passengers also get financial protection if injured or deceased in an accident.

11. Daily Allowance

Daily Allowance covers your daily transport cost when your Tiago EV is being repaired at an authorised garage.

12. Emergency Transport and Hotel Expenses

In case of a breakdown far from home, Emergency Transport and Hotel Expenses cover your stay and travel costs.

13. Loss of Personal Belongings

If items like your laptop, phone, or wallet are stolen from your car, the Loss of Personal Belongings cover reimburses the loss.

14. Emergency Medical Expenses

Emergency Medical Expenses take care of ambulance and hospital charges after a covered accident.

15. Additional Third-Party Property Damage

This add-on increases the payout limit for third-party property damage, offering broader financial protection.

16. Additional Towing Charges

If your Tiago EV needs to be towed over a long distance, Additional Towing Charges cover the extra expense.

17. Misfuelling Cover

Misfuelling Cover helps cover the costs of draining and repairing your vehicle if incorrect fuel is added.

18. Daily Allowance Plus

Daily Allowance Plus gives longer transport support or temporary car rental if your repairs take more than a few days.

19. Vehicle Loan Protector

Vehicle Loan Protector supports unpaid EMIs if the policyholder passes away or is permanently disabled.

20. Reinstate Cover

Reinstate Cover allows repeat claims if the same part is damaged again after being repaired.

Why Choose TATA AIG for Your TATA Tiago EV Car Insurance?

Picking the right insurer matters just as much as choosing the right insurance plan. For your TATA Tiago EV, you need a company that not only offers solid protection but is also dependable when you need support the most. That’s where TATA AIG stands out.

Known for its simple processes, customer-first approach, and reliable service, it’s a trusted choice among EV owners in India. Here's why:

Strong financial backing

TATA AIG is a joint venture between the Tata Group—one of India’s most respected business names—and American International Group (AIG), a global insurance giant. This partnership brings long-term financial stability and global experience to your car insurance plan.

Flexible coverage options

Whether you're looking for comprehensive protection, basic third-party liability, or theft coverage, TATA AIG offers plans to suit various needs and budgets. You can also customize your plan with add-ons built for electric vehicles.

Wide network of cashless garages

With access to over 5,900 + cashless garages across India, you can get your TATA Tiago EV repaired without hassle after an accident or breakdown.

24/7 customer and roadside assistance

TATA AIG offers round-the-clock help, including roadside assistance, towing, and support in case of emergencies—giving you peace of mind no matter where you drive.

Easy digital access

From buying and renewing your policy to tracking claims, everything can be done online. The user-friendly platform helps you manage your policy without any paperwork or long wait times.

Quick and fair claims process

TATA AIG is known for its transparent and efficient claims handling. With a high claim settlement ratio, you can be confident that your valid claims will be resolved without unnecessary delays.

Choosing the right insurance plan for your Tata Tiago EV is essential to protect both your car and your finances. TATA AIG offers different types of car insurance policies to suit varying needs.

Each plan provides a base level of coverage and can be customised with useful add-ons like Zero Depreciation (Depreciation Reimbursement), Engine Protection Cover, Roadside Assistance Cover, and others to give you wider protection.

Comprehensive Car Insurance Policy

A Comprehensive Car Insurance Policy provides complete protection. It not only meets the legal requirement of third-party liability but also covers your Tata Tiago EV against damage from accidents, natural disasters, theft, or fire. For EV owners who prefer full coverage, this policy is a practical choice. You can further enhance it with add-ons like Return to Invoice Cover, Engine Protection Cover, or Zero Depreciation Cover for better claims.

Stand-Alone Own Damage Car Insurance Policy

If you already have third-party insurance, the Stand-Alone Own Damage Policy gives your Tiago EV the extra protection it needs. It covers damage caused to your vehicle due to incidents like fire, theft, floods, or collisions. Since it doesn’t include third-party coverage, it’s meant to work alongside an existing liability policy. Add-ons such as Consumables Cover, Tyre Secure Cover, and Repair of Glass Fibre and Plastic Parts are available to increase your protection.

Stand-Alone Third-Party Car Insurance Policy

A Stand-Alone Third-Party Policy is the most basic and is legally mandatory under the Motor Vehicles Act, 1988. It covers you for any damage or injury your Tata Tiago EV may cause to others. While it doesn't protect your own car, it’s essential for legal compliance.

You can also include covers like Personal Accident Cover for Passengers and more to extend protection for people inside the vehicle.