Motor Insurance

Overview

Overview Car Insurance Two Wheeler Insurance

Motor Insurance

You love your vehicle as more than just a mode of transport - so why not give it the care it deserves? While getting insurance is compulsory, There are various choices available and we are here to help you make the right one.

At Tata Capital, we understand your motor needs and offer Motor Insurance policies that provide the added protection for the vehicle you love. Motor Insurance Policies includes Private Car Insurance and Two-Wheeler Insurance, to give you the all-round protection. At Tata Capital, we don’t just insure, we protect!

Disclaimer: Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company Limited, GO DIGIT Life Insurance Company Limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited, GO DIGIT General Insurance Company Limited, Cholamandalam MS General Insurance Company Limited, Magma HDI General Insurance Company Limited, The Oriental Insurance Company Limited, Star Health and Allied Insurance Company Limited, United India Insurance Co. Ltd, National Insurance Company Limited, and Niva Bupa Health Insurance Company limited.

Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013

What is Motor Insurance?

Motor Insurance is a type of insurance cover which protects your vehicles from any kind of potential risk arising. The cars or two wheelers policyholder gets financial security against damages arising out of accidents and other threats. In exchange for the premium, the insurance company promises to offer financial assistance in case of a list of events mentioned in the terms and conditions of the policy.

Why should one buy motor insurance?

You should buy car insurance in India to ensure you do not face a financial loss in case of an unfortunate circumstance such as a car accident, natural calamity, etc. Also, buying car insurance in India is compulsory. Failing to do so will amount to penalties. Going by the number of vehicles on the road and the rate of accidents, it is imperative to make the right choice when it comes to purchasing car insurance coverage.

Types of Motor Insurance

Do you remember the feeling of happiness when you bought your first car? Let’s keep that smile intact for all your four- wheeler endeavours. A car insurance helps protect against loss arising due to accident, theft or natural calamity. It also helps protect against third party property damage, personal injuries or death.

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Your need for speed maybe big or small; but your bike protection policy must always be extensive. Two-wheeler insurance, also referred as bike insurance or motorcycle insurance, helps protect against loss due to accident, theft or natural calamity. Now speed away responsibly and stress free.

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Types of Motor Insurance coverages

Third Party Coverage

Insurance partners cover the policyholder. It is compulsory to avail a third-party coverage for car or two wheelers under the Motor Vehicles Act, 2019.

Own Damage Coverage

It is an essential type of coverage. This type of coverage is optional

Comprehensive Coverage

It is an all-inclusive coverage that provides you with both the above-mentioned coverages. Apart from this, there are additional add on coverage which include roadside assistance, zero depreciation cover and others.

How to get claims in car insurance

Here’s how the claim process works in car insurance.

Third-party Claims

Here, the third-party will have to file a claim against the policyholder by registering a First Information Report. A case will be lodged and heard in the Motor Claims Tribunal and settled accordingly.

Own Damage Claims

For damages to the insured car, the policyholder will have to contact the insurance company and apply for a claim. Usually, this can be done via call, mobile application or website. Once the claim request is accepted, the insurance company will assign a surveyor and the claim will be settled as per the surveyor’s report.

Why choose TATA Capital

To be based on trusted brand of TATA.

Have tie ups with renowned partners in the insurance industry

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We understand how important your family’s happiness is to you and how hard you work for them.It is equally important to secure your family’s future by taking a life protection cover.

We present to you a broad range of Protection Plans uniquely designed to secure your family at every stage of life.

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Health Insurance

Maintaining a healthy lifestyle is very important to cope with new emerging diseases.

Having said that, even if you are currently fit and do not need any medical help, it’s important to have health insurance coverage that secures your future medical needs.

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Wellness is to illness what prevention is to cure. Wellness Solutions assure you affordable and smart ways to manage health. Provide for yourself and your family’s well being in time by availing value- added health solutions.

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From lost wallets and ATM cards to kitchen appliances and handheld devices; we’ve got you covered at all times. Explore a myriad of relevant protection plans that seamlessly integrate with your daily lives.

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Build a financial cushion today to enjoy a better tomorrow. May it be your post retirement dreams or wishes for your growing child; consider Retirement Solutions and Child Plans as an integral part of your future plan.

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Motor Insurance

Motor Insurance

What is Motor Insurance?

Why should one buy motor insurance?

Types of Motor Insurance