The Tata Punch EV was launched in January 2024 as Tata’s first electric SUV built on the advanced Acti.ev pure EV platform, and is also an affordable EV option. It offers multiple range options (Standard and Long Range), giving buyers flexibility based on their driving needs. Like every electric car, it requires car insurance not just for legal compliance but also to safeguard against risks like battery damage, accidents, theft, and third-party liabilities, ensuring peace of mind for Tata Punch EV owners.
The Tata Punch EV has many variants, and is distinguished by the range each variant provides. Here are variants of Tata Punch EV along with their prices:
| Variant of Tata Punch EV | Insured Declared Value | Zero Depreciation | Net Premium |
|---|---|---|---|
| Smart | ₹9,34,150 | ₹3,102 | ₹14,980 |
| Smart+ | ₹9,76,650 | ₹3,243 | ₹15,333 |
| Adventure (Std) | ₹10,67,895 | ₹3,525 | ₹16,038 |
| Adventure (Long Range) | ₹11,10,645 | ₹3,666 | ₹16,391 |
| Empowered (Std) | ₹11,29,650 | ₹3,751 | ₹16,603 |
| Empowered (Long Range) | ₹11,96,145 | ₹3,948 | ₹17,096 |
| Empowered+ (Std) | ₹11,72,150 | ₹3,892 | ₹16,956 |
| Empowered+ (Long Range) | ₹12,31,650 | ₹4,089 | ₹17,449 |
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Buying a car insurance policy for Tata Punch EV is not only a legal requirement but a financial safety net. Here’s why buying Tata Punch EV car insurance is important:
Car insurance is mandatory under the Motor Vehicles Act 1988 in India. Driving your Tata Punch EV without car insurance can lead to penalties and legal issues.
Insurance covers repair costs for damages caused to your car in case of road accidents, reducing the financial burden of unexpected mishaps.
Since the Punch EV runs on advanced battery technology, comprehensive car insurance can protect against risks like battery damage or replacement costs, which can be expensive.
If your vehicle accidentally causes injury, death, or property damage to others, car insurance ensures you are financially protected against such liabilities.
From theft to damages due to floods, storms, or fire, car insurance ensures that your investment in the Punch EV remains safeguarded.
With car insurance, you can enjoy your EV ownership experience without worrying about financial losses, focusing instead on the joy of driving green and smart.
There are 3 most common type of car insurance available for Tata Punch EV:
Third party car insurance the most basic and legally mandatory four wheeler insurance in India. It covers financial liabilities if your Tata Punch EV causes injury, death, or property damage to a third party. However, it does not provide any protection for damage to your own vehicle.
Comprehensive Car Insurance is an all-round policy that combines third-party liability with own-damage coverage. It protects your Tata Punch EV against accidents, theft, fire, natural disasters, and even man-made incidents like vandalism. Importantly, it also covers critical EV components such as the battery, making it the most suitable choice for EV owners.
Own damage car insurance covers only the damages to your own Tata Punch EV—whether caused by an accident, natural calamity, or theft. It can be purchased along with a third-party policy to create a balanced coverage option.
Tata Punch EV key features are:
Based on Tata’s advanced Acti.ev pure EV platform.
Offers two battery options with a range of up to 421 km.
Fast charging support: 10–80% in under 60 minutes.
10.25-inch touchscreen infotainment with connected tech.
360-degree camera with blind spot monitoring.
Equipped with six airbags and ESC for safety.
Premium cabin with ventilated seats and modern design.
Specifications of Tata Punch EV car are:
| Specification | Details |
|---|---|
| Battery Options | 25 kWh (Standard Range) / 35 kWh (Long Range) |
| Certified Range | Up to 315 km (Standard) / Up to 421 km (Long Range) |
| Power Output | 82 PS (Standard) / 122 PS (Long Range) |
| Torque | 114 Nm (Standard) / 190 Nm (Long Range) |
| Charging Time (Fast) | 10–80% in ~56 minutes (DC fast charger) |
| Charging Time (AC) | 3.6 kW AC charger: ~9.4 hours (Standard) / ~13.5 hours (Long Range) |
| Transmission | Automatic (single-speed) |
| Top Speed | ~140 km/hr |
| Safety Features | 6 airbags, ESC, hill-hold assist, 360-degree camera, blind spot monitoring |
| Seating Capacity | 5 |
| Boot Space | 366 litres |
In a Tata Punch EV car insurance, the following will be covered:
Covers repair or replacement costs for accidental damage to your Tata Punch EV, ensuring your electric vehicle stays protected after a mishap.
Protection against losses due to floods, earthquakes, storms, and other natural disasters that may damage your Tata Punch EV.
Includes coverage for riots, theft, vandalism, fire, and other human-induced incidents that could harm your Tata Punch EV.
Liability cover for injury, death, or property damage caused to a third party due to an accident involving your Tata Punch EV.
Financial protection for the owner-driver in case of accidental injury or death while driving the insured Tata Punch EV.
Exclusions of Tata Punch EV car insurance are:
Regular ageing and natural wear of Tata Punch EV parts are not covered under the policy.
Insurance will not apply if your Tata Punch EV is driven by someone without a valid driving licence.
The policy excludes coverage for mechanical or electrical failures in the Tata Punch EV not caused by accidents.
Any damage caused while driving the Tata Punch EV under the influence of alcohol or drugs is not covered.
Tyre and tube damage on the Tata Punch EV is excluded unless it occurs during an accident.
Indirect or resulting damages not directly caused by an insured event are not covered for the Tata Punch EV.
The Tata Punch EV car insurance add-ons are:
Loss of Personal Belongings Cover
Key and Lock Replacement Cover
Passenger Cover
Consumables Cover
Personal Accident Cover
Engine Protection Cover
24x7 Roadside Assistance Cover
Zero-Depreciation Cover
Repair of Glass
Emergency Transport and Hotel Expenses
Driver Cover
Accessories Cover
Invoice Cover
Tyre Secure Cover
Buy/Renew online car insurance of Tata Punch EV by:
Head over to the Coverfox website, then to Insurance > Car Insurance tab
Write down your registration number of the vehicle or
Click on “Bought a new vehicle?”
Select Tata, then Punch EV
Choose your variant
Click on Get Quotes
Compare prices and select appropriate Add-ons
Make an online payment through a secure gateway
Your policy will be emailed to you after verification
You can also renew your insurance policy through the Coverfox page by:
Head over to the Coverfox Car Insurance page.
Enter your registration number for the vehicle
If your insurance has expired, fill in the necessary details
or
Click on “Renew here” if you have already bought the insurance from Coverfox.
Log in via mobile number or renew your policy through the previous policy number.
Select the existing policy or the new policy as per your needs
Make the online payment through a secure payment gateway
Your renewed policy will be emailed to you after verification.
For renewals, add your previous policy details and follow the same procedure.
You can lower your premium by opting for a higher voluntary deductible, installing approved anti-theft devices, maintaining a clean driving record, and comparing policies online before buying.
Yes, under a comprehensive insurance policy, the battery is covered against risks like damage from accidents, fire, natural disasters, and theft.
Yes, at least a Third-Party Liability insurance policy is legally mandatory under the Motor Vehicles Act to drive your Tata Punch EV in India.
You can file a claim by notifying your insurer immediately, submitting the claim form, providing required documents (RC, DL, FIR if needed), and sending the car for inspection/repair at an authorised workshop.
Yes, car insurance can be transferred to the new owner at the time of resale, along with the No Claim Bonus (NCB) benefits if applicable.
Absolutely. You can enhance coverage with add-ons such as Zero Depreciation Cover, Battery Protection, Roadside Assistance, or Return to Invoice.
EV insurance may be slightly costlier than regular petrol cars due to high-value components like the battery and advanced technology, but it ensures complete protection and peace of mind.
