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Tata Zest Car Insurance
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Tata Motors is known for producing vehicles that offer fabulous features at affordable prices. Tata Zest is one such model from the Tata Motors stable that has truly taken the automobile market in India by storm. This car delivers a striking 84 Bhp of power along with a massive torque of 140 Nm. Another noticeable feature that vehicle has is the provision for multi-drive modes: Sport, City, and Eco, which can be changed just by clicking a button.
Thus, it is quite evident that the Tata Zest will offer you an unparalleled driving experience, along with absolute comfort. But before you bring home your dream car, make sure you have an insurance plan in place to secure it from any damage. And, who better to trust for insurance than IFFCO-Tokio General Insurance Co. Ltd.
We offer cost-effective Tata Zest car insurance policies custom-designed by us to give holistic coverage. You can opt in for a third-party insurance plan or go for a comprehensive policy. Whatever you choose, we guarantee great coverage and value for money!
We understand that you are a safe and reliable driver who abides by road rules. However, everyone else is not so cautious. Therefore, mishaps may still occur. Our motor insurance plans will come to your rescue by providing coverage for damages during such calamities.
IFFCO-Tokio General Insurance Co. Ltd. offers third-party Tata Zest car insurance plans that save you from third-party financial and legal liabilities in the event of an accident. Opting in for our comprehensive insurance plan too makes for total value as it shields your finances from losses due to accidents as well as man-made calamities and natural disasters.
Finally, it is important to purchase a Tata Zest car insurance policy as having basic motor insurance is mandatory by law in India.
To buy a suitable insurance plan for your car, you can simply visit one of our office branches. There, our customer care executives will be happy to assist you with the process. You may also opt for online purchase. Should you decide to book insurance online, simply follow these 3 easy steps:
After you open up our website, you just need to enter your name, mobile number, and a few details about your Tata Zest. Using this information, we will pull up the relevant Tata Zest car insurance policies for you.
You can choose between third-party and comprehensive car insurance. One you have made your selection, you can also opt in for some add-ons to increase your plan’s efficacy.
Finally, you must pay the premium to complete the process. The documents of the insurance will be sent to your email instantly.
Booking your Tata Zest car insurance plan online is truly:
The process is super easy as it involves just 3 easy steps
You can purchase your policy at any time and from anywhere; we’re open online 24/7
The policy documents are sent to you by email, so you don’t need to worry about misplacing them
Car Insurance provides coverage against:
Damages and losses that may arise out of collisions & accidents.
Coverage against losses incurred when your car is stolen.
Damages and losses caused to due to an accidental fire.
Damages and losses due to acts of nature such as floods, cyclones, etc.
Offers sum assured up to 15 lakh, with a cover against accident leading to death or disability of the owner
Pays for property damages and injuries caused by your car.
Here are some recommended add-ons that can widen the coverage of your Tata Zest car insurance policy.
Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Tata Zest insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
The Tata Zest is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Tata Zest insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
This is another important add-on you can opt for with your Tata Zest car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine.
If you drive safely and do not make a claim against your policy, you are entitled to a discount when you renew your plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Tata Zest car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!
These are some of the standard exclusions of car insurance in India.
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
If you want basic and affordable coverage for your Tata Zest, you can opt for third party insurance. These plans do 3 things for you. Firstly, they serve the basic legal requirement to drive your car on Indian roads. Secondly, they ensure you do not have to pay for third party damages and injuries in an accident you are involved in. And lastly, they will provide a payout of up to 15 lakhs in case an accident leads to your total permanent disability or death.
However, third party insurance does not cover damages or total loss of your own vehicle. So while these plans might be extremely affordable, they do not offer any protection for your Tata Zest.
If you want to give your car complete protection, on and off the road, you should purchase this type of Tata Zest car insurance. This is because, comprehensive plans are made of two components, third party cover, and own damage cover. This means that they provide everything that third party insurance.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increase protection from perils of the road.
You should know these important car insurance terms before you buy a Tata Zest car insurance policy.
Premium is the cost of your Tata Zest car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Tata Zest car insurance policy.
IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer.
No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail of a maximum discount of 50% year after year for not making any claims against your policy.
Simple, just use the car insurance premium calculator. This online tool allows you to check the premium of your Tata Zest car insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Until recently, innovation and insurance were rarely used in the same sentence. However, we have made it our mission to change this. At IFFCO-Tokio, we are bringing in technology to provide you with car insurance that’s quicker and more convenient.
One of the ways we’re doing this is through our QCS app, which puts a host of our services at your fingertips! You can submit claims using your nothing but your phone and get up to Rs. 50,000 in compensation in just 4 hours.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakhs claims (in FY19) with a settlement ratio of 92.65%. This is just one of the reasons why 1,00,000+ individuals entrust us with their car insurance needs.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
For 19 years, we have been servicing our customers with a wide range of insurance policies.
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
Through our QCS App: If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) App. All you have to do is upload the photos, documents, videos, etc., of the damages you want to make a claim for. We will review the documents you upload and approve your claim (we have a claim settlement ratio of 92%). After this, the estimated amount for repairs will be sent to your bank account in just 30 minutes. Note that for claims made through the app the maximum claim amount will be Rs. 50,000.
Online and telephonic claims: You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499.
To make a claim online, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned. If you register a claim over a call, our customer care executives will guide you with the further procedure.
I bought zero depreciation car insurance from IFFCO-Tokio and I am truly relieved to see that I get the entire claim amount without the depreciation of my car being taken into consideration.
Rated by: Pradeep Agarwal
When my car suffered an accident and incurred damages I was glad to have the support of IFFCO-Tokio in paying the bills.
Rated by: Sagar AGARWAL
IFFCO-Tokio has been a great help every time my car has suffered a mishap. I am very satisfied with my car insurance purchase.
Rated by: Rakesh AGARWAL
I want to thank Mr Dipesh for assisting me in the process to buy the exact kind of car insurance I needed. IFFCO-Tokio staff is indeed very reliable.
Rated by: Sachin Agarwal
Good coverage at pocket-friendly rates. What else could one want in a car insurance plan
Rated by: SEKHAR Abbasi