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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:
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.
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 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 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.
Let’s look at the benefits of buying car insurance online for your brand-new Tata Nexon EV:
1. 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.
2. 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.
3. 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.
You can add the following add-ons to your Tata Nexon EV comprehensive car insurance:
With a zero-depreciation add-on, the insurer compensates you with the maximum value for your claim without taking into consideration the depreciated value of your car.
If your car suddenly stops working while driving, you can avail of emergency services from your insurer with the help of 24X7 roadside assistance add-on.
If you misplace your key by accident, under the key replacement add-on, your insurer will provide you with a temporary key for usage until you get a new key from your dealer.
The engine protection add-on covers the engine of your car from problems that might hamper its proper functioning.
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.
Reducing your Tata Nexon insurance cost is possible with a few strategic steps.
1) First, maintain a clean driving record to avoid penalties that can increase premiums.
2) Second, consider installing safety features like anti-theft devices, which can lower the insurance cost.
3) 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.
4) Additionally, bundle your car insurance with other policies from the same insurer for possible discounts.
5) Lastly, regularly compare your tata nexon insurance cost quotes online to find the best deal.
When choosing car insurance for your Tata Nexon EV, consider several factors:
1) 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.
2) 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.
3) Consider the insurer’s customer service and network of cashless garages for convenience.
Buying Tata Nexon EV insurance is crucial for several reasons:
1) It provides financial protection against damages caused by accidents, natural disasters, theft, and other unforeseen events.
2) Insurance ensures compliance with the legal requirement of having at least third-party liability coverage.
3) Comprehensive insurance offers peace of mind, knowing that repairs and replacements will be covered, minimizing out-of-pocket expenses.
4) Specialized EV insurance policies include coverage for the electric battery, a significant and expensive vehicle component.
5) Insurance supports uninterrupted mobility by providing quick and efficient claim settlements and roadside assistance services.
You can purchase your Tata Nexon EV car insurance online by following these steps:
1. Visit the insurer’s website.
2. Enter the details of your car and the city of your residence.
3. Select the plan meeting your requirements.
4. You are presented with a quote based on the type of policy selected.
5. If you select comprehensive car insurance, you can customise it with add-ons. Do note that add-ons increase the price of the policy.
6. Pay for your policy online on the website.
Via these simple steps, you can easily purchase the policy.
Before you purchase the policy, make sure to use a car insurance calculator to get an estimated price for the policy.
You can renew your Tata Nexon EV car insurance online with these steps:
1. Visit the insurer’s website.
2. Enter the details of your car and your existing policy.
3. Mention details of any claims you may file during the previous policy term.
4. You are presented with a quote based on the details you entered.
5. If you wish to customise your policy, you can do so.
6. Once you are presented with a refreshed quote, you can renew your policy by paying online on the website.
Before filing a claim under your Tata Nexon EV insurance, keep these points in mind:
1) Notify your insurer immediately after an accident or damage.
2) If applicable, document the incident with photographs and secure all necessary documents, such as the FIR.
3) Ensure your policy is active and check the coverage details to understand what is covered.
4) Be aware of your policy’s deductible amount, as this is what you’ll need to pay out-of-pocket..
5) Follow the insurer’s claim process meticulously to avoid any delays or rejections.
There are two types of car insurance claims – cashless claims and reimbursement claims.
The steps for filing a cashless claim are:
1. Inform your insurer through their website, app, or helpline number, after the accident has occurred.
2. File an FIR, if required.
3. Submit all the necessary documents and evidence related to the damage caused.
4. Get your vehicle surveyed by a surveyor sent by the insurer.
5. 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.
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.
Damages caused to a third-party vehicle and their property.
Third-party injuries or death caused due to an accident.
Damages caused due to natural calamities such as earthquakes and floods.
Damages caused due to manmade calamities such as riots.
Damages/Loss of car due to fire.
Damages/Loss of car due to theft.
According to the Motor Vehicles Act of 1988, all cars in the country are required to have at least a third-party liability cover.
You don't need to have a comprehensive car insurance cover. However, it could help you have more protection for your vehicle as well as yourself, depending on the add-ons you choose within a comprehensive cover.
Insurance plans can be purchased online for almost all types of cars. Ensure that you purchase the right kind of coverage for your vehicle.
Check for your Tata Nexon EV insurance price with an online calculator before you buy the plan. Also, ensure that you check the claim settlement ratio of the insurance provider.
Yes, you will at least require a third-party insurance cover for your Tata Nexon EV, even if it is old.
IDV stands for Insured Declared Value, the maximum claim amount your insurer will pay if your Tata Nexon EV is stolen or totalled.
The Tata Nexon EV insurance cost varies based on the policy type, coverage, and add-ons. On average, it ranges from INR 10,000 to INR 20,000 annually.
Yes, comprehensive Tata Nexon EV insurance policies typically cover the EV battery against damages and theft, ensuring protection for this crucial component.
To file a Nexon car insurance claim, notify your insurer immediately, document the damage, gather necessary documents, and submit a claim form as per your insurer’s process.
If your car insurance claim gets rejected, review the rejection reason, address any documentation issues, and, if necessary, escalate the matter to your insurer’s grievance cell or the insurance ombudsman.
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