TATA PUNCH CAR INSURANCE

TATA punch is available in various variants and that can affect the insurance premiums. Having legit car insurance protects your TATA Punch car from financial and legal liabilities in case of an accident. It covers damages to third party liability and damages to your TATA Punch car. Moreover, it makes you secure from penalties from driving without insurance.

 

Types of Car Insurance for TATA Punch

Categories of TATA punch car insurances have been created based on risk coverage. Here are the TATA punch car insurance types-

Third-Party Liability Insurance:

A legal and financial liability benefits under Third-Party insurance type. It also delivers the coverage for property damage to a third-party caused by the insured vehicle. As per the Motor Vehicle Act, it can lead to a penalty for driving a car without Third-Party Insurance. It's an obligatory insurance cover.

Comprehensive Car Insurance:

Comprehensive car Insurance is an ideal policy to get a broad coverage for your TATA punch. It not only benefits the third party liabilities, but also covers damages to insured cars.

It also covers the damage caused due to fire/explosion, accident, or natural/manmade disaster. You can pick out Add-ons too while buying insurance for TATA punch. Zero Depreciation Cover, Engine Protection Cover, Consumable Cover are some popular add-ons for TATA Punch cars.    

 

TATA Punch Variants Insurance Price

The insurance premium cost for TATA punch depends on the car model you purchase. Premiums vary depending on the car's age, engine capacity.  Selected add-ons with the insurance policy may change the numbers in insurance premiums.

Generally, the TATA punch insurance cost per year ranges from Rs. 2000 to Rs. 7,897. Below is the bifurcation of estimated variants insurance price for TATA punch.

Name of Variant	Comprehensive Insurance Premium
TATA Punch Rhythm	Rs. 14, 894
TATA Punch Adventure	Rs. 15,131
TATA Punch Camo Adventure	Rs. 15.131
TATA Punch Adventure Rhythm	Rs. 15,223
TATA Punch Pure 1199 cc, Petrol	Rs. 13,013
TATA Punch Pure Rhythm 1199 cc, Petrol	Rs. 13, 232
TATA Punch Adventure 1199cc, Petrol	Rs. 13,400
TATA Punch Camo Adventure 1199 cc, Petrol	Rs. 17,134
TATA Punch EV Smart	Rs. 18,762
TATA Punch EV Adventure	Rs. 19,498
TATA Punch EV Adventure LR	Rs. 34,231

*These prices are indicative in nature

 

Benefits of Buying Car Insurance for TATA Punch

Below are the benefits of buying TATA Punch Car Insurance.

Financial Safeguard:

Buying insurance for TATA Punch provides monetary protection against the loss to your vehicle. Either it may get damaged in accidents, fire, natural disaster, or get stolen.

Third-Party Liability Coverage:

The coverage for TATA Punch cars provides an amount to the third-party in case of injury.  It also benefits property damage caused by your car.

Own Damage Coverage:

The insurance for TATA Punch cars gives coverage for personal accidents. It offers a benefit for the owner-driver damage in the event of any accident, natural disaster, or man-made events. It is one of the key benefits of TATA punch insurance.

Add-on Covers:

While purchasing TATA Punch car insurance, you have complete freedom to select add-ons. Zero Depreciation, Roadside Assistance, and many other sorts of add-ons exist. It assists to enhance your policy.

Straightforward Claim Process:

Some insurers make the claim process hassle-free. It helps to receive the coverage amount immediately without a long waiting time.

 

Add-ons with TATA Punch Car Insurance

The common Add-on with TATA Punch car insurance is -

Zero Depreciation Add-on:

Zero Depreciation Add-On proves important during the full claim settlement. It issues a complete claim amount without depreciation deductions on car parts. It either can be plastic, rubber, or metal.

Engine Protection Cover:

It’s an Add-on if you opt, can cover the repair costs of the engine. A car engine can be damaged by the water seepage, oil leakage, or any other reason. All the repairs get covered under Engine Protection Cover add-on.

Return To Invoice (RTI) Cover:

It’s an add-on that reimburses the full value of invoice in case of total damage. The add-on also benefits you, if your car gets stolen.

Roadside Assistance Cover:

It is an add-on that helps when your TATA Punch faces an emergency. The service cost of towing, battery jump-start, and emergency fuel delivery gets covered.

Consumable Expenses Cover: 

The cost of consumables gets covered under this add–on. The nuts, bolts, engine oil, coolant, and brake oil that get covered during repairs.

Key Replacement Cover:

It covers the expenses of lost or damaged car keys. It also covers the cost of lock replacement if necessary. It won't ask you for unexpected key issues and expenses.

Tyre Protection Cover:

It's an optional add-on in TATA Punch car insurance. It is beneficial to repair or replace your car’s tires due to accidental damage.

A standard comprehensive car insurance policy doesn't cover every small car damage. So, all these add-ons prove advantageous to improve protection policy.

 

Inclusions of TATA Punch Car Insurance

Let’s understand the inclusions, before buying TATA punch insurance. It is essential to ensure the optimal protection. Here are the details of what is covered in insurance policy for TATA Punch-

• Personal Accident cover in case of injury or death due to an accident or collisions.
• Financial coverage due to natural disasters like floods, earthquakes, cyclones, and storms.
• Financial safeguard against the vehicle theft
• Financial benefit to damage a vehicle resulting from the fire or explosion.
• Monetary protection against loss arising from injury, death, or property damage to third parties.

All these are the comprehensive car insurance policy inclusions for TATA Punch. 

 

Exclusions of TATA Punch Insurance

Before purchasing, let’s understand what is not covered in TATA Punch car insurance. Here are the circumstances when insurance policy does not provide any benefit for TATA Punch car-

• Travel by TATA Punch while under the influence of drugs or alcohol.
• Handling the TATA Punch without having a valid license and insurance certificate.
• Unauthorized usage of TATA Punch in activities like racing.
• If a vehicle gets damaged in a regular wear and tear situation.
• Accidents happened outside the particular geographical area.
• Damages due to mechanical or electrical breakdown.
• Damages that occur from negligent or rash driving.

It’s hard reviewing your policy to understand all exclusions. Because it may fluctuate according to the insurance providers. But knowing these exclusions assist to make sure the appropriate coverage. Also, it encourages you to take precautions to avoid situations where you shouldn’t apply. 

 

How to Buy TATA Punch Car Insurance Online with Quickinsure

Compare car insurance online and then proceed with the right one. Here is a straightforward process of buying TATA Punch car insurance online.

Step 1: Visit https://quickinsure.co.in/ official web site. Navigate to the car insurance page.

Step 2: Input your vehicle’s registration number, model, manufacturing year, and type of fuel.

Step 3: Select a type of policy that suits your requirements. Either comprehensive, or Third-Party. 

Step 4: You can opt for car insurance add-ons to customize your policy.

Step 5: Provide personal information. Put your name, contact number, Email ID, previous policy details etc.

Step 6:  Use credit/debit card, UPI, Net banking to perform payment.

Step 7: Receive a digital copy of policy on your email.

You can compare various plans, and study add-ons to get the best deal. All these easy steps can guide you well. Anyone can conveniently buy car insurance for your TATA Punch online through Quickinsure.

 

Renew TATA Car Insurance Online

Simple steps to renew your insurance policy online for TATA Punch car -

Step 1: Go to the authorized website of your insurance provider.

Step 2: Search for ‘Renew your existing car policy’ on the homepage. Hit the “Proceed” button.

Step 3: Provide policy details. Your existing policy number, vehicle registration number, and customer ID is needed.

Step 4: Choose the coverage type that you want to continue with. Additionally, you can select add-ons that go with your needs.

Step 5: Proceed to the payment section with your preferred payment method.

Step 6: You may receive a soft copy of your renewed policy on your registered email address.

It is recommended to renew policy before it expires. It fosters continuous coverage and avoids penalties. All the steps will assist you in renewing your TATA car insurance online conveniently. 

 

TATA Punch Car Insurance Claim Process

To process filing a TATA punch insurance claim, here are the steps-

Step 1: Report a claim on toll free number or visit the claim support official page of the insurance company's website. The company will receive your claim request. Then a self-inspection form will be sent on your registered contact number.   

Step 2: Collect evidence like photos of damaged vehicles, and the accident site. Keep the identity and address proof handy.

Step 3: Fill the form appropriately. Input details of your damaged TATA punch car. Attach all required documents like invoice and receipts.

Step 4: Take your car to the garage for reimbursement. Or else, find the network garage for the cashless claim process.

Step 5: Once you complete the claim form filling, track its acceptance online. The insurance company will assess the claim and settle it on approval.

For the offline claim process, you need to visit the insurer's office. A particular deadline to fill a claim form must be obeyed. It is often referenced in the policy document. 

 

Cashless Reimbursement

Cashless Reimbursement is a procedure for TATA Punch car insurance claims. In this, a policyholder is not asked to pay out of pocket to get their claim settled. The network garage collects funds directly from the insurer for the repairs. You will be told to take your damaged car to the network garage authorized by the insurer after an accident. Once the inspection and approval ends, the insurer resolves the claim with the garage.

 

TATA Punch Car Insurance - FAQs

- How to Renew TATA Punch Car Insurance?

You can renew TATA Punch Car Insurance through the company’s website or mobile app. You may see a ‘Renewal’ tab over there. Input your TATA punch car details along with the previous policy. Complete the purchase.

- How can I Download TATA Punch Car Insurance?

You can download it from the insurer's official website. Also, you can make use of apps. Input your vehicle registration number. Find the ‘Download’ option.

- Documents Required for TATA Punch Insurance Renewal?

Policy Certificate, policyholder’s driving license, TATA Punch’s registration certificate, Identity proof, Address proof, and recent photographs. All these are the needed documents to renew TATA Punch car insurance.

- Grace Period for TATA Punch Insurance Renewal

The policy has a 90-day grace period to renew TATA Punch car insurance.

- What is Covered Under TATA Punch Car Insurance?

TATA Punch car insurance covers car’s damage and third-party property damage as well. The owner driver injury in the event of an accident gets also covered under TATA Punch.

- What is Not Covered Under TATA Punch Car Insurance?

Damage caused by driving a vehicle while consuming alcohol is not included in the cover. Additionally, wear and tear of the TATA Punch is also excluded.

- What TATA Punch Insurance Cost Per Year?

The TATA Punch Insurance cost per year is different for each model. It is calculated based on fuel type, registration year, and insurance cover. The cost is also calculated based on the add-ons you choose. It also affects the insurance cost.