The Tata Tiago EV is India’s most affordable electric hatchback, making EVs an accessible option to the Indian market. Unlike the standard Tiago, which runs on a petrol engine, the Tiago EV is powered by an electric motor and battery pack, offering a greener and more cost-efficient drive with instant torque delivery. Its key difference lies in zero tailpipe emissions, lower running costs, and a quieter driving experience compared to the standard Tiago. Given its advanced battery technology and higher repair or replacement costs for EV components, it becomes crucial to invest in comprehensive car insurance for the Tiago EV, ensuring protection not only against accidents and theft but also against expensive electrical and battery-related damages.
Here are the different Tata Tiago EV variants, along with their Insurance prices:
| TATA Tiago EV Variant | Insured Declared Value | Zero Depreciation | Net Premium |
|---|---|---|---|
| XE Medium Range | ₹7,21,098 | ₹2,255 | ₹12,864 |
| XT Medium Range | ₹7,00,245 | ₹2,537 | ₹13,569 |
| XT Long Range | ₹8,54,145 | ₹2,819 | ₹14,274 |
| XZ Plus Long Range | ₹9,01,598 | ₹2,819 | ₹14,274 |
| XZ Plus Tech LUX Long Range | ₹9,65,295 | ₹4,101 | ₹24,552 |
| XZ Plus Long Range Fast Charger | ₹9,22,545 | ₹3,951 | ₹23,981 |
| XZ Plus Tech LUX Long Range Fast Charger | ₹10,08,045 | ₹4,251 | ₹25,122 |
.jpg)
Car insurance is not just a legal document, it ensures financial security of your Tata Tiago EV. Here are the key reasons for buying car insurance for Tata Tiago EV:
The Tiago EV’s battery is its most expensive component, and replacing it can cost you a hefty amount. Comprehensive car insurance ensures financial protection against such high repair or replacement costs.
Being a compact EV used in cities, the Tiago EV is prone to accidents or minor dents. Car insurance covers repair bills, saving you from unexpected out-of-pocket expenses.
Floods, storms, fire, or theft can cause severe damage to an EV. Insurance provides compensation in such situations, safeguarding your investment.
Car insurance is legally mandatory in India and covers injury, death, or property damage caused to third parties, ensuring compliance with the law and financial security.
Unlike petrol cars, EVs face risks like electrical short circuits or charging-related damages. A comprehensive EV insurance plan protects against these unique risks.
A well-insured car with no claim history (NCB benefit) improves resale value, as buyers prefer vehicles with continuous insurance coverage.
This is the minimum car insurance required by law in India. It covers damage or injury caused to another person, vehicle, or property by your Tiago EV. However, it does not cover damages to your own car or its battery.
This policy combines third-party liability with own-damage cover. It protects your Tiago EV against accidents, theft, fire, natural disasters, and even battery-related damages. It’s the most recommended option for EVs due to higher repair and replacement costs.
This plan only covers damages to your Tiago EV caused by accidents, fire, or natural calamities, but does not include third-party cover. It is usually bought as an add-on if you already have a standalone third-party policy.
Here are the key features of Tata Tiago EV:
The specifications of Tata Tiago EV car include:
| Specification | Details |
|---|---|
| Battery Options | 19.2 kWh & 24 kWh |
| Range (MIDC) | 250 km (MR) / 315 km (LR) |
| Electric Motor Power | 61 PS (MR) / 75 PS (LR) |
| Torque | 105 Nm (MR) / 114 Nm (LR) |
| Transmission | Single-speed automatic |
| Top Speed | 120 km/hr |
| Acceleration (0–60 km/hr) | 5.7 seconds (LR) |
| Charging Time (3.3 kW AC) | 8.7 hrs (19.2 kWh) / 9.4 hrs (24 kWh) |
| Charging Time (7.2 kW AC) | 3.6 hrs (24 kWh) |
| DC Fast Charging | 10–80% in ~57 minutes |
In a Tata Tiago EV car insurance, the following instances will be covered:
Exclusions of Tata Tiago EV car insurance are:
Wear and tear due to general ageing: Insurance does not cover wear and tear or damage resulting from the natural ageing of your Tata Tiago EV.
Damage caused by a person driving without a valid licence: No coverage for damages if the Tata Tiago EV is driven by someone without a valid driver’s license.
Mechanical or electrical breakdown: Mechanical or electrical failures are not covered under the insurance policy for the Tata Tiago EV.
Damage while driving under the influence: Damage caused to the Tata Tiago EV while driving under the influence of alcohol or drugs is not covered.
Damage to tyres and tubes (Except during an accident): Damage to the tyres and tubes of the Tata Tiago EV is not covered unless it occurs during an accident.
Consequential Damage: The insurance does not cover any indirect or consequential damage resulting from an initial accident or incident.
The Tata Tiago EV car insurance add-ons include:
Buy/Renew online car insurance of Tata Tiago EV by:
You can also renew your insurance policy through the Coverfox page by:
For renewals, add your previous policy details and follow the same procedure.
File a claim for damages against your car insurance for the Tata Tiago EV by:
Register for the cashless claim by contacting your insurer
After registering, you will receive a claim registration number. Use that for future claims and communications.
Take your damaged Tiago EV to an authorised network garage of your insurance company for repairs.
Submit all the necessary documents to the surveyor.
The car insurance company will confirm its liability and will settle all the bills with the garage directly.
Also, you can apply for reimbursement claim by showing the bill to the insurer after getting your Tata Tiago EV at a non-networked garage.
Yes, just like any other car in India, it is legally mandatory to have at least a third-party liability insurance policy for the Tata Tiago EV before driving on the road.
A comprehensive car insurance policy is best as it covers both third-party liability and own damages, including protection against accidents, theft, natural calamities, and EV-specific risks.
Yes, under a comprehensive car insurance policy, the battery pack is covered against accidental damage, fire, theft, and natural disasters. You can also opt for a battery protection add-on for enhanced coverage, but make sure you read the policy details before making a decision.
Electric cars can have higher comprehensive car insurance due to expensive parts, but lower third-party car insurance than a petrol car due to compensations by the government.
Absolutely. You can easily buy or renew Tata Tiago EV insurance online through Coverfox.
Yes, you can enhance your policy with car insurance add-ons like zero depreciation cover, roadside assistance, battery protection, and return to invoice, which provide better safety and peace of mind.
