Key Features of Commercial Vehicle Insurance

A commercial vehicle insurance plan comes loaded with some salient features. The following are the salient features offered under commercial vehicle insurance:

• Comprehensive coverage is provided to both public and private carriers including special types of goods carrying vehicles.
• The commercial vehicle insurance plan provides cover for the liabilities in case of any injury or an accident.
• Do not worry about the unwanted expense as having a commercial vehicle insurance plan will provide monetary compensation.
• Remain stress-free from monetary setbacks incurred due to liabilities.
• Third-party person/vehicle/ property damage cover.
• A personal accident covers the driver and the owner.

  Tata Xenon Insurance Save Upto 80%

  Tata xenon Insurance provides coverage against the losses to or from the insured vehicle in case of any accident. It also covers your Tata xenon from theft, fire and all natural calamities. Third Party Insurance & Comprehensive Insurance are the two types of Tata xenon insurance. Third Party Tata xenon Insurance covers the damages to other vehicle and injury or deaths of other persons in an accident but does not cover damages to your own Tata xenon so its always best to buy comprehensive insurance policy for Tata xenon which also covers the damages of your own vehicle as well covers any losses in case of theft, fire or any natural calamity.

  Types of Tata xenon Insurance

  • Third Party Tata xenon Insurance – In case of any accident third party insurance provide coverage against the losses occurred to insured due to third party property damage or any injury or death to third party person. Third party insurance does not covers the damages to Tata xenon and one can not claim for the loss of the vehicle with third party policy.
  • Comprehensive Tata xenon Insurance – Apart from covering all things as mentioned above in third party insurance, comprehensive insurance for Tata xenon will also cover the damages to own vehicle in case of any accident, theft or fire or damage to the vehicle by any external means.

  Since third party insurance cover is limited and does not cover your own vehicle it is always advisable to buy comprehensive insurance for Tata xenon.

  How to Renew Tata xenon Insurance Online

  1. Share your rc copy.

  2. Share your insurance copy if your current insurance is not expired or your NCB is valid.

  3. Get quote from our executive.

  4. Make Payment and Download you Tata xenon insurance policy.

  Tata xenon Insurance Price 2021

  Variation in Tata xenon Insurance Price Online from insurer to insurer differs as each insurer charges different premium depending upon few factors such as RTO location of your Tata xenon registration, manufacturing year, IDV value, driving conditions and previous claim history for the vehicle. But policylegit offers Tata xenon Insurance Online and also, Tata xenon Insurance is priced at a very competitive rate. The table below can help get an idea of the approximate Tata xenon Insurance price in 2021 of various Tata xenon variants available in India.

  Tata xenon Third party Insurance price for Tata xenon carrying private goods is 9510 INR inclusive taxes. For more competitive Tata xenon insurance prices online request a call back from our experts.

  *All Tata xenon insurance prices are only given for an idea for Tata xenon Insurance Price List 2021. Please get in touch with our experts to get the exact premium for your Tata xenon as per your registration certificate and Tata xenon insurance policy

  Tata xenon Insurance Price 2021

  TATA XENON VARIANT	SUM INSURED	INSURANCE PRICE
  Tata xenon	200000	15990
  Tata xenon yodha	250000	15990
  Tata xenon bs6	300000	15990

  Steps to Renew Tata xenon insurance online

  ADD ON COVERS FOR Tata xenon INSURANCE ONLINE

  Following are the add ons you can choose for your Tata xenon insurance online –

  1. Zero Depreciation Cover – It means that in case your insured vehicle gets damaged in the accident, the insurance provider would compensate you with the entire cost.

  2. IMT23 Coverage – This is used to cover excluded items like- bumper, headlights, fender, bonnet parts, tyre tubes, painting, etc.

  3. Engine Protector – Engine protection cover provides coverage for any damages to the car’s engine or/and its parts arising out of incidents of water ingression, leakage of lubricant oil, damage to the hydrostatic lock, damages to the engine parts, such as the gearbox, crankshaft, cylinder, connecting rods, pistons, etc.

  4. Personal Accidents cover – It provides cover to conductor/cleaner/coolie and/or owner-driver as per what you choose according to terms and conditions of the policy.

  5. Key replacement cover – It covers the cost arising out of the replacement of the insured vehicle’s key. This can be if the key is lost, damaged or stolen, or the cost to repair the lock-set if the lock or the key are damaged.

  6. Loss of Belongings cover – It covers losses arising due to damage or theft of your personal belongings from the insured car as per the terms and conditions of the policy.

  *To get the claim settlement without any depreciation at the time of claim it is advisable to opt for Zero Depreciation cover for your Tata xenon insurance which covers the depreciation done by insurers at the time of claim and can help you save a lot of amount payable to the dealer in case you raise any claims. Zero depreciation cover is available upto 5 years mostly but some insurers such as Tata AIG general insurance company and Iffco Tokio general insurance company also offer zero depreciation plans upto 7 years.

  Tata xenon Online Claim Procedure

  If you want to register an insurance claim for you Tata xenon you should immediately inform the insurer in case of any accident or damage that has occurred to the vehicle. You can inform the insurer by reaching out to them via a toll-free number which is usually mentioned on all policy copies or you can also reach them via email. The process to register a claim for a Tata xenon insurance is to fill the claim form which is available on all insurer websites. The following things are required to file a claim for Tata xenon insurance –

  1. Information of Time & Date of the accident

  2. Policy number for the reference

  3. Description of the incident

  4. Name & Contact number of the person who is filing the claim

  5. Location where the incident occurred

  Documents Required to file Insurance Claim

  If you want to register an insurance claim for you Tata xenon you should immediately inform the insurer in case of any accident or damage that has occurred to the vehicle. You can inform the insurer by reaching out to them via a toll-free number which is usually mentioned on all policy copies or you can also reach them via email. The process to register a claim for a Tata xenon insurance is to fill the claim form which is available on all insurer websites. The following things are required to file a claim for Tata xenon insurance –

  Following is the list of documents you should keep handy while filing the claim for you Tata xenon commercial vehicle

  1. Filled claim form

  2. Vehicle Registration certificate and Driving license

  3. Fitness certificate

  4. Load Challan

  5. Tax Slips

  6. Original Insurance copy. (Print of soft copy is also valid)

  7. Route Permit

  8. Aadhar Card

  9. First Information Report copy

  Variants of Tata xenon covered in Insurance

  We cover following model insurance for Tata xenon vehicle

  1. Tata xenon INSURANCE

  2. Tata xenon yodha INSURANCE

  3. Tata xenon bs6 INSURANCE

  Factors which determine Tata xenon Insurance Price

  THIRD PARTY Tata xenon INSURANCE AMOUNT DETAILS

  1. GROSS WEIGHT OF VEHICLE – Third party price for Tata xenon insurance is fixed as IRDA decides Goods Carrying Vehicles third party insurance price on the basis of their GWV which means Gross Weight of Vehicle. For all vehicles upto 7.5 ton the price is 15990 plus GST for private goods carrier and 15990 plus GST for public goods carrier. All Tata xenon variants has gross weight under 7.5 ton so the price is fixed as mentioned above in 2021.

  Comprehensive Tata xenon Insurance Amount Details

  Comprehensive insurance is inclusion of own damage coverage with third party coverage in a policy. So apart from GWV which is crucial to determine Tata xenon insurance price following are the factors which determine how much price one needs to pay to buy comprehensive Tata xenon insurance or first party Tata xenon insurance.

  1. IDV VALUE – IDV refers to Insured Declared Value and is the maximum sum assured fixed by the insurer that is offered in case of theft or total loss of a vehicle. In short, IDV is the current market value of your vehicle.

  2. NO CLAIM BONUS DISCOUNT – No Claim Bonus or NCB is a reward given by an insurance company to an insured for not raising any claim requests during a policy year. The NCB discount is offered on the premium amount during renewal.

  3. OWN DAMAGE DISCOUNT FROM INSURER – It reimburses your expenditure in case your car is damaged due to any natural events such as earthquakes, fires, storms, etc. or due to an accident. The deal is – higher the Insurance Declared Value or IDV, higher the premium.