Tata Nexon Electric Car Insurance

Insure Your Tata Nexon EV for Complete Financial Protection

Tata Nexon EV has been one of the major game-changers in the EV market. Since its launch in 2019, it has been a popular choice among buyers. Tata, as a brand, has always been at the forefront of innovation when it comes to cars. And with the launch of the electric Nexon, they have pushed the market by a lot. It comes with amazing features such as:

One-touch start

Trunk light

Rear seat headrest

Front and Rear airbags

Automatic climate control

If you wish to contribute towards lowering your carbon footprint and help in reducing global warming, you can purchase a Tata Nexon EV. However, with advanced battery technology, damages to it can set you back financially. Thus, it is important that you get proper financial coverage for your Tata Nexon EV. You can do this by purchasing electric car insurance for your Tata Nexon EV. With all-round financial coverage, you can enjoy the driving experience of your brand-new Tata Nexon EV without worrying about its repairs.

Benefits of Buying Tata Nexon EV Car Insurance Online

Let’s look at the benefits of buying car insurance online for your brand-new Tata Nexon EV:

Buy it From Anywhere

The great part about buying motor insurance for your car online is that you can purchase it using your mobile or your computer, no matter where you are. All you need to do is either visit the insurer’s website or use their app and purchase it in a few simple steps.

Save Money on Your Purchase

When you purchase car insurance online, you get to enjoy the advantage of savings on your purchase. Buying the policy online ensures you directly deal with the insurance company. As there are no agents involved, your Tata Nexon EV car insurance price will be lesser when compared to an offline purchase, and there will be no additional charges on your purchase.

Renew your Policy Instantly

If your insurance policy is nearing its expiry date, you can renew it easily online from your insurer’s website. Just visit your insurer’s website and get your policy renewed with a few simple steps. And the best of it all, your Tata Nexon EV insurance price remains unchanged during renewal.

Types of Car Insurance Plans for Tata Nexon EV

When you are looking to purchase car insurance for your Tata Nexon EV car, you can select either one of the following:

Third-Party Car Insurance

Third-party car insurance is the most basic insurance coverage that you can buy. It is mandatory under the Motor Vehicles Act of 1988 and the policy is designed to cover the damages caused specifically to a third party (this includes vehicle and property). Additionally, it covers injuries and deaths caused to third parties. As a legal mandate, you are also required to purchase a personal accident cover with the policy.

Comprehensive Car Insurance 

Comprehensive car insurance provides coverage for both, own damages and third-party damages, under the same policy. Own damages include damages caused due to an accident, or a natural or manmade calamity. Damages or losses caused due to fires and theft are also covered by the policy. There is also an option of including add-ons in your policy to enhance its coverage. It is important to note that the cost of this policy is higher when compared to a third-party insurance policy.

Documents Required to Raise Tata Nexon EV Car Insurance Claim

You must have specific documents ready to raise a Tata Nexon EV car insurance claim. These include the vehicle registration certificate, driving license, the insurance policy document, and an FIR (if applicable). You are also required to submit the claim form provided by Bajaj Allianz General Insurance Company detailing the nature of the claim. Photographs of the damaged vehicle and the accident scene can help expedite the process. Keeping these documents handy will ensure a smooth and quick claims process, allowing you to get your Nexon EV back on the road without unnecessary delays.

Tips to Reduce Tata Nexon EV Car Insurance Cost/Premiums

Reducing your Tata Nexon insurance cost is possible with a few strategic steps.

First, maintain a clean driving record to avoid penalties that can increase premiums.

Second, consider installing safety features like anti-theft devices, which can lower the insurance cost.

Third, opt for a higher voluntary deductible; you’ll pay more out-of-pocket in case of a claim, but your annual premium will be lower.

Additionally, bundle your car insurance with other policies from the same insurer for possible discounts.

Lastly, regularly compare your tata nexon insurance cost quotes online to find the best deal.

Factors to Consider When Choosing Car Insurance 

When choosing car insurance for your Tata Nexon EV, consider several factors:

● The coverage options should be evaluated; comprehensive policies offer more protection than third-party liability insurance.

● Check the policy’s inclusions and exclusions to understand what is covered.

● Consider the insurer's reputation, especially its claim settlement ratio.

● Look into add-ons like zero depreciation cover, engine protection, and roadside assistance.

● Also, review the premium costs and see if they fit your budget without compromising on essential coverage.

● Consider the insurer’s customer service and network of cashless garages for convenience.

How to Raise a Claim for a Nexon EV Car Insurance Policy?

There are two types of car insurance claims – cashless claims and reimbursement claims.

Cashless Claim

The steps for filing a cashless claim are:

Inform your insurer through their website, app, or helpline number, after the accident has occurred.

File an FIR, if required.

Submit all the necessary documents and evidence related to the damage caused.

Get your vehicle surveyed by a surveyor sent by the insurer.

Get your car repaired at a network garage, where the insurer would be billed, and a cashless payment would be made directly to the garage.

Reimbursement claim

Steps 1-4 of a cashless claim should be followed as is for a reimbursement claim as well. The only difference is that you can get your car repaired at a garage of your choice. Once the car is repaired and the payment has been made by you, your insurer will reimburse you for the paid amount.

Things to Know Before Filing a Claim Under Your Tata Nexon EV Insurance

Before filing a claim under your Tata Nexon EV insurance, keep these points in mind:

Notify your insurer immediately after an accident or damage.

If applicable, document the incident with photographs and secure all necessary documents, such as the FIR.

Ensure your policy is active and check the coverage details to understand what is covered.

Be aware of your policy’s deductible amount, as this is what you’ll need to pay out-of-pocket..

Follow the insurer’s claim process meticulously to avoid any delays or rejections.

Why is it Important to Buy Tata Nexon EV Insurance?

Buying Tata Nexon EV insurance is crucial for several reasons:

● It provides financial protection against damages caused by accidents, natural disasters, theft, and other unforeseen events.

● Insurance ensures compliance with the legal requirement of having at least third-party liability coverage.

● Comprehensive insurance offers peace of mind, knowing that repairs and replacements will be covered, minimizing out-of-pocket expenses.

● Specialized EV insurance policies include coverage for the electric battery, a significant and expensive vehicle component.

● Insurance supports uninterrupted mobility by providing quick and efficient claim settlements and roadside assistance services.