Tata Tiago Car Insurance

Engine Specifications of Tata Tiago:

The Tata Tiago is available in both Petrol and Diesel variants. Both the variants are available in six sub-variants, namely: XE, XM, XT, XZ, XTA, and XZA. The following table contains the technical specifications of the Tiago.

The Revotron engines come packed with an advanced A.M.T. gearbox which offers three different driving modes according to your driving style.

Safety Features On The Tata Tiago:

Tata Motors have concentrated a lot on the safety guidelines as well and thus the Tiago comes with some of the best safety features that make it a worthy player in its segment market. The car comes with Advanced ABS with EBD and Corner Stability Control, dual front airbags, and rear parking sensors with display on the infotainment system. The car is built around a sturdy chassis which holds an energy-absorbing body structure to provide extra protection in case of crashes. The other safety features on the Tiago are as follows:

1. Immobiliser
2. Speed dependent automatic door locks
3. Follow-me-home headlamps
4. Day and night IRVM
5. Front fog lamps
6. Rear defogger
7. Seat belt with pretensioners and load limiters
8. Rear smart wipers with wash

* The above mentioned features and specifications are present in the top-end model of the car; the lower variants might not be equipped with all of them.

Tata Tiago Price List:

The ex-showroom price of the Tata Tiago in some of the major cities in India are listed below. The price range is based on the sub-variants of the vehicle.

Tata Tiago Car Insurance Price:

The following factors are to be considered to ascertain the cost of insuring your Tata Tiago:

1. Insurance policy coverage: It is mandatory to have at least a third-party insurance coverage for your vehicle in India. But, you can choose from a third-party coverage and a comprehensive coverage, depending on the extent of coverage you want for your Tata Tiago car. You can also choose to enhance your car insurance coverage by buying extra rider plans from the insurance provider. The final premium amount will be based on the type of coverage you choose.
2. Vehicle make and model: The insurance premium amount also depends on the make and model of the car. The third-party motor insurance premiums also consist of a fixed value that is based on the displacement of the vehicle's engine. The petrol variant of Tata Tiago has an engine capacity of 1,199 cc whereas the diesel variant has a capacity of 1,047 cc. Both the variants fall under the 1,000 cc to 1,500 cc range. The third-party liability for this range is Rs.2,863, as per the standard rates published by the IRDA for the financial year 2017-18. This amount might be revised for financial year 2018-19. Own-damage cover is also dependent on the model and make of the vehicles.
3. Driving history of the driver: The No Claim Bonus is received in case no claims are made for the insured vehicle in the preceding policy period. The insurance premium can be lowered at the time of renewal by availing the No Claim Bonus. If claims are not raised it basically indicates to the fact that the driver has a good driving record.
4. Installation of safety equipments: While approving an insurance policy, the insurance company will consider all the probable risk factors because of which a loss might arise. Thus, addition of safety equipments like anti-theft device, ABS, EBD, etc., make the car safer. As the risk of physical damage or total loss is toned down by the addition of such equipments, the insurance premium for the vehicle becomes lower.
5. Voluntary deductible: You can opt for a voluntary deductible, while buying a car insurance that helps you to save money on your premium payment. But that would also mean that you would be bearing a part of the claim, in case your vehicle suffers damages after being involved in an accident. The insurance company will be liable to pay off only the remaining claim amount.
6. Registration area: If a vehicle is registered in an area which is prone to theft and/or accidents, the insurance company is likely to charge more premium for the policy. This is because the risk of loss is more in such cases.
7. Loyalty of customer: Being registered with a specific car insurance company for a long period of time or having multiple insurance policies with the same insurer, might make you eligible for Customer Loyalty bonus. The Customer Loyalty Bonus can be availed as discounts on your premium amount at the time of renewal.

How to Buy a Car Insurance Policy For Your Tata Tiago:

As per the Motor Vehicle Act, 1988, buying at least a third-party liability insurance cover is compulsory in India. There are two methods which you can consider while buying an insurance policy for your Tata Tiago car. The coverage you want for your car is the primary factor that is to be decided by you. Once you have decided the type of coverage you need, you can either visit the office of an insurance company and buy a policy according to your need or you can just visit a third-party website and buy a policy through them.

• Buying a policy directly from an insurance company: You can visit the nearest branch office of an insurance company and directly buy a policy that suits your needs. You can choose between a third-party liability cover and a comprehensive cover policy. In case you buy a comprehensive cover for your car, you can also opt for other rider plans offered by the insurer to increase the coverage limit.
• Visiting a third-party website to buy a policy: You can also consider buying a policy for your Tata Tiago from a third-party website. Buying online policies is a hassle-free process and provides additional options from all the registered insurance companies. The wide range of options will help you ascertain your insurance coverage needs and at the same time help you compare the premium amounts and coverage areas provided by the different plans. The entire process does not require any paperwork or waiting period and insurance can be bought (or renewed) immediately.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017