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Tata Ace Gold Insurance
Tata Ace Insurance is a must-have for every commercial vehicle owner operating Tata Ace (Chota Hathi) and its related models such as Tata Super Ace, Super Ace Mint, Ace Zip, Ace HT, Tata Magic, Tata Mega, and Mega XL.
Launched by Tata Motors in 2005, the Tata Ace revolutionised last-mile transport by offering a dependable four-wheeler alternative to three-wheelers. Today, it remains one of India’s most widely used mini trucks for logistics, deliveries, and small business operations.
Tata Ace Gold Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
What is Commercial Vehicle Insurance?
A Commercial Vehicle Insurance is a motor insurance policy to cover for damage and loss caused to and by a commercial vehicle. Owner of the vehicle and driver who drives the vehicle. This could include damage and losses in situations as accident, collisions, fires, theft, natural calamities, etc. it is mainly for all type of business to buy a commercial vehicle insurance for their vehicles, such as for auto rickshaws, cabs, pickups, trucks, tractors, school buses, commercial vans, jcb, harvester and amongst other.
Tata Ace Gold & Related Models – Insurance Price List
PolicyLegit offers insurance coverage for all Tata Ace Gold commercial variants, including:
Tata Ace Gold (Diesel / Petrol / CNG)
1st Year (New Vehicle): ₹13,500 – ₹17,500
Renewal (with NCB): ₹8,500 – ₹12,000
Tata Super Ace
1st Year: ₹16,000 – ₹21,000
Renewal: ₹10,500 – ₹15,000
Tata Super Ace Mint
1st Year: ₹14,500 – ₹19,000
Renewal: ₹9,500 – ₹13,500
Tata Ace Zip
1st Year: ₹11,000 – ₹14,500
Renewal: ₹7,000 – ₹10,000
Tata Ace HT / Ace Gold / Ace Plus
1st Year: ₹14,000 – ₹18,500
Renewal: ₹9,000 – ₹13,000
Tata Magic (Passenger / Cargo)
1st Year: ₹16,500 – ₹22,000
Renewal: ₹11,000 – ₹16,000
Tata Mega
1st Year: ₹18,000 – ₹24,000
Renewal: ₹12,500 – ₹18,000
Tata Mega XL
1st Year: ₹19,500 – ₹26,000
Renewal: ₹13,500 – ₹20,000
Tempo / Other Small Commercial Vehicles
1st Year: ₹15,000 – ₹30,000
Renewal: ₹10,000 – ₹22,000
What is the main reason for Tata Ace Gold insurance?
1. It’s Legally Mandatory
Under Indian Motor Vehicles Act, commercial vehicles must have at least third-party insurance. Without it:
- You can face fines
- Your vehicle can be impounded
- You’re personally liable for damage claims
2. Protection Against Financial Loss
Accidents and theft can be expensive. With a comprehensive policy you get:
Damage repair cost coverage
Theft protection
Natural calamity & man-made damage coverage
Without insurance, all costs come from your pocket.
3. Coverage for Third-Party Liability
If your Tata Ace Gold causes:
- Injury to someone else
- Damage to property
- Third-party claims
The insurer pays the legal and compensation costs — up to policy limits.
4. Rewards for Safe Driving (No Claim Bonus)
With every claim-free year you earn a No Claim Bonus (NCB) — which can reduce your premium by 20–50% over time — saving serious money in renewals.
5. Customizable Add-Ons for Better Protection
You can enhance your policy with:
- Zero Depreciation Cover
- Engine & Gearbox Protection
- Roadside Assistance
- Passenger Liability
- Consumables Cover
Add-ons help protect against costs that basic insurance doesn’t cover.
Types of Tata Ace Gold Insurance Policies Available
Third-Party Tata Ace Gold Insurance (Mandatory)
Third-party insurance is compulsory under Indian law for all commercial vehicles.
What it Covers:
Injury or death of third parties
Damage to third-party property
Legal liability protection
What it Doesn’t Cover:
Damage to your own Tata Ace
Theft or fire losses
Ideal for owners looking for basic legal compliance at a lower cost.
You can check third-party Tata Ace Gold insurance prices online, including:
- 1-year third-party insurance premium
- Tata ace Gold third-part insurance price
- Tata ace HT & Zip third-party rates
- Commercial four-wheeler third-party insurance cost
Comprehensive (First-Party) Tata Ace Gold Insurance
A comprehensive Tata Ace Gold insurance policy provides maximum protection by combining own-damage cover with third-party liability.
Coverage Includes:
Accident-related damages
Fire and explosion losses
Theft protection
Natural calamities (floods, earthquakes, etc.)
Man-made risks (riots, vandalism)
This option is best for business owners who want complete financial safety.
You can compare:
- First-party insurance price
- Total coverage amount
- Renewal cost
- Model-wise commercial price list
Tata Ace Gold Insurance Price – Premium & Cost Factors
The cost of Tata Ace Gold insurance depends on multiple factors, such as:
- Vehicle model (Zip, HT, Mega, XL, Mint)
- Year of manufacture (2011–2026)
- RTO registration location
- Claim history and No Claim Bonus
- IDV (Insured Declared Value)
- Policy type (Third-Party or Comprehensive)
Indicative Third-Party Premium (Goods Vehicle up to 7.5 Tons)
As per IRDA guidelines:
₹16,049 + GST (1-year third-party policy)
Premiums may vary based on model and RTO location. Please check PolicyLegit for exact pricing.
You can view:
- Model-wise price list
- Tata Ace Gold renewal cost
- Tata Ace Zip, HT, Mega & XL premiums
- Commercial vehicle insurance rates
Why Buy Tata Ace Gold Insurance Online from PolicyLegit?
One of India’s best platforms for commercial vehicle insurance
Transparent premium comparison & rate list
Trusted insurer partnerships
Easy online calculator, policy download & renewal
Fast coverage for Tata Ace, Super Ace, Zip & HT model.
Tata Ace Gold Insurance Renewal – Simple Online Process
Renewing your Tata Ace Gold insurance with PolicyLegit is quick and hassle-free:
Upload your RC copy
Share your previous policy details
Use the online premium calculator
Make secure online payment
Download your policy instantly
We support commercial vehicle insurance renewal, new policies, and expired policy renewals with transparent pricing and instant issuance.
Final Tip
Whether you want to check Tata Ace Gold third-party price, renew gold policy online, compare commercial vehicle insurance costs, or buy a new policy—PolicyLegit helps you do it all in one place.
Check Tata Ace Gold Insurance Price Online at PolicyLegit.com.
What is comprehensive and third-party policy in terms of commercial vehicle?
In commercial vehicle insurance a third-party insurance covers any damage to a third party that is except your vehicle, and the driver. On the other hand, a comprehensive policy covers the insured vehicle itself (including damage or loss due to accidents, fire, theft, natural events, etc.) as well as third-party liabilities.
What is a passenger carrying vehicle?
A passenger carrying vehicle is a commercial vehicle which charges passengers for the privilege of driving them - often in the form of buses or coaches. Examples are buses, vans, taxis and the like.
What is meant by Goods carriage vehicle?
A goods vehicle is a commercial road vehicle used for transporting goods. These may include trucks, lorries, pick-up vans, tempos and so forth.
What is a miscellaneous and special vehicle type?
Vehicles, which can not be easily placed into the groups of "passenger taking" or "goods taking" vehicles are classified as miscellaneous and special vehicles. Considering a case of the same, such vehicles may comprise ambulances, cinema vans, special purpose vehicles (SPVs), construction site vehicles and/or similar types.
My commercial truck has been in an accident, what should I do?
If your commercial vehicle gets into an accident:
- Engine off (if safe) and make sure all persons are well guarded.
- Assess for injuries and call medical help if required.
- Photograph/videotape the accident scene: vehicle damage, road conditions, skid marks, etc.
- Inform the police (Log an FIR if necessary – in particular where there is injury to a third-party or damage to property).
- Contact your insurance company promptly (you may only have 24-72 hours to report) and go through their claim procedure.
- Have all relevant documents in place: Vehicle registration, policy papers, driving licence, FIR/incident report and photos.
How to get the mobile van repaired in case of damage for my commercial vehicle?
You can have the vehicle serviced at a workshop at any of your insurer’s authorised or network garages (which typically tie-up for cashless claims). If the car is not drivable, have it towed in accordance with your policy. It is a good idea to check with your auto insurer before you start major repairs, to prevent the denial of a claim.
Commercial Vehicle Insurance
Types of Vehicles insured in Commercial Vehicle Insurance Policy
Commercial vehicles are an essential mode of transportation and are heavy-duty vehicles used daily to carry out tasks. Some of the most common commercial vehicles are:
- Trucks
- Vans
- Trailers
- Buses
- Taxies
- Coaches
- Carriers
- Shovels
- Tractors
- Cranes
- Mobile rigs
- Bulldozers
These commercial vehicles transport goods within the city/cities and from one state to another, as well as for intercity passenger tours and travel.
Coverage Under Commercial Vehicle Insurance
- Losses due to riots, strikes, natural calamities such as earthquakes, hurricanes, cyclones, etc, are covered
- Damages to the vehicle arising out of fire, self-ignition and explosion
- Partial or total loss to the insured vehicle due to theft, housebreaking, and burglary
- Loss or damage caused to the third-party property, vehicle, bodily injuries and death of the third person.
- Damages arising out of road accidents or collisions are also covered.
- Wear and tear/depreciation of the commercial vehicle.
- Losses incurred during a civil war, nuclear perils.
- Contractual liabilities of the owner/driver of the insured commercial vehicle are also not covered.
- The occurrence of an accident while driving with an invalid driving license or under the consumption of alcohol.
- Using a vehicle in accordance with 'limitations as to use', for instance, a private car is used as a taxi.
- Electrical and mechanical breakdown, breakage or failure of the insured vehicle.
List of Tata Ace Gold Commercial Vehicle Insurance Companies in India 2026
Following is the list of general insurance companies that offer commercial vehicle insurance:
| Insurer Name | Passenger Carrying Vehicle Insurance | Goods Carrying Vehicle Insurance | Miscellaneous Vehicle Insurance |
| Bajaj Allianz Commercial Vehicle Insurance | No | Yes | No |
| Godigit Commercial Vehicle Insurance | Yes | Yes | Yes |
| New India Assurance Commercial Vehicle Insurance | Yes | Yes | No |
| Reliance General Commercial Vehicle Insurance | Yes | Yes | Yes |
| SBI General Commercial Vehicle Insurance | Yes | Yes | Yes |
| Shriram General Commercial Vehicle Insurance | Yes | Yes | No |
| United India Commercial Vehicle Insurance | Yes | Yes | No |
| Zuno Commercial Vehicle Insurance | Yes | Yes | No |
*Disclaimer: The table mentioned above is according to the alphabetical order of the insurance company. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Explore More Under Commercial Vehicle Insurance
- Commercial Vehicle Third Party Insurance
- Commercial Vehicle Insurance Companies
- Tractor Insurance
- Truck Insurance
- Pick Up Van Insurance
- School Bus Insurance
- Goods Carrying Vehicle Insurance
- Passenger Carrying Insurance
- Auto-Rickshaw Insurance
- E-rickshaw Insurance
- Bus Insurance
- Tempo Traveller Insurance
- Trailer Insurance
- Tipper Insurance
- Heavy Truck Insurance
- Tanker Insurance
- Bulker Insurance
- Taxi Insurance
