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Tata Xenon Insurance
Xenon is a 4WD based pick-up truck with many premium features on offer at its price point. Policy Legit has the best comprehensive Tata Zenon insurance plan as it gives third party and own damage cover. Policy Legit covers Tata Xenon insurance for all its models.
Tata Xenon 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 Xenon & Related Models – Insurance Price List
Tata Xenon is a powerful pickup-style commercial vehicle, widely used for heavy-duty goods transport, site operations, and long-distance commercial use. Insuring it properly is essential to protect both vehicle and business continuity.
Tata Xenon Insurance Approximate Price List (India)
Model: Tata Xenon Single Cab
Approx. 1st Year Premium: ₹18,000 – ₹24,000
Renewal (with NCB): ₹12,500 – ₹17,500
Model: Tata Xenon Crew Cab
Approx. 1st Year Premium: ₹20,000 – ₹27,000
Renewal (with NCB): ₹14,000 – ₹20,000
Model: Tata Xenon Yodha (Pickup)
Approx. 1st Year Premium: ₹19,500 – ₹26,500
Renewal (with NCB): ₹13,500 – ₹19,500
Model: Related Pickup / SCVs
Approx. 1st Year Premium: ₹18,000 – ₹32,000
Renewal (with NCB): ₹12,000 – ₹24,000
Note: Final premium depends on IDV, city, usage, NCB, add-ons, vehicle age, and insurer.
What Is the Main Reason for Tata Xenon Insurance?
The primary reason to buy Tata Xenon insurance is:
To protect your vehicle, business income, driver, and third parties from financial loss due to accidents, theft, legal liabilities, and unforeseen damages.
Since Tata Xenon vehicles are used in commercial & rugged environments, repair and liability costs can be high without insurance.
Types of Tata Xenon Insurance Policies Available
Third-Party Liability Insurance
- Mandatory as per law
- Covers injury, death, or property damage to third parties
- Does not cover own vehicle damage
Comprehensive Insurance (Recommended)
- Covers third-party liability + own vehicle damag
- Covers accident, fire, theft, floods, earthquakes, riots
- Best option for Tata Xenon owners
Standalone Own-Damage Insurance
- Covers only damage to your Tata Xenon
- Requires active third-party policy
Add-Ons / Riders for Enhanced Protection
- Zero Depreciation Cover
- Consumables Cover
- IMT 23 / IMT 47
- Return to Invoice
Add-ons slightly increase premium but greatly reduce claim-time expenses.
Tata Xenon Insurance Price – Premium & Cost Factors
Key Factors Affecting Insurance Cost
- IDV (Insured Declared Value)
- City / RTO Zone
- Vehicle Age & Variant
- No Claim Bonus (NCB) – Up to 50% discount
- Commercial Usage Type
- Policy Coverage & Add-ons
- Claim History / Driver Profile
Why Buy Tata Xenon Insurance Online from PolicyLegit?
Instant Quote Comparison
Compare premiums from top insurers in one place.
Lower Premiums
Online buying eliminates agent commission costs.
Flexible Add-On Selection
Customize your policy as per vehicle usage.
Renewal Alerts
Avoid policy lapse and NCB loss.
100% Digital Process
Instant policy download & secure payment.
Claim Assistance
Dedicated support throughout the claim process.
Tata Xenon Insurance Renewal – Simple Online Process
Renew your Tata Xenon insurance in 5 easy steps:
- Enter your vehicle number
- Compare renewal quotes instantly
- Choose coverage & add-ons
- Make secure online payment
- Download renewed policy instantly
Renew before expiry to avoid inspection, penalties, and NCB loss.
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 Xenon Yodha 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
What is commercial vehicle insurance in India?
Commercial vehicle insurance is a mandatory insurance policy for vehicles used for business or earning income. It covers third-party liability, vehicle damage, accidents, theft, and legal claims. Trucks, pickups, buses, taxis, cranes, and delivery vehicles all require commercial insurance in India.
Which insurance is best for commercial vehicles?
Comprehensive commercial vehicle insurance is the best option. It covers both third-party liabilities and damage to your own vehicle. For maximum protection, add-ons like zero depreciation are recommended.
Why do commercial vehicle insurance claims get rejected?
Commercial vehicle insurance claims are mostly rejected due to expired fitness certificates, invalid permits, overloading, improper driver licence, or policy expiry. Claims can also be rejected if the vehicle is used outside the permitted route or purpose.
How much does commercial vehicle insurance cost in 2026?
In India, commercial vehicle insurance prices in 2026 start from around ₹12,000 per year for small pickups like Tata Ace. Medium trucks cost between ₹25,000 and ₹45,000, while heavy trucks, buses, and cranes can cost ₹40,000 to ₹90,000 per year, depending on vehicle type and usage.
What documents are required for a commercial vehicle insurance claim?
You need the insurance policy copy, RC, valid commercial driving licence, fitness certificate, permit, PUC, claim form, and repair bills. An FIR is required for theft or major accidents.
What is the difference between private and commercial vehicle insurance?
Private vehicle insurance is for personal use, while commercial vehicle insurance is for business use. Commercial insurance has higher premiums and stricter rules because the risk and third-party liability are higher.
Which insurance is best for Tata Ace, pickup, truck, or crane?
Comprehensive commercial vehicle insurance is best for Tata Ace, pickups, trucks, and cranes. Small vehicles benefit from zero depreciation, while trucks and cranes need special vehicle coverage.
Is commercial vehicle insurance mandatory in India?
Yes, third-party commercial vehicle insurance is mandatory in India under the Motor Vehicles Act. Driving without valid insurance can lead to fines, vehicle seizure, or legal action.
Can I use private car insurance for commercial use?
No. Using private insurance for commercial purposes can result in policy cancellation and claim rejection. Commercial use always requires a commercial vehicle insurance policy.
