Indigo eCS Car Insurance Renewal Online
TATA Indigo eCS
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Indigo eCS Car Insurance

The Tata Indigo eCS is an enhanced version of the Tata Indigo CS from Tata Motors. It was launched in 2010 and underwent feature enhancements in 2013. A CNG variant Indigo eCS e-Max was also launched. The car is a compact sedan with four doors, which could seat five passengers. The Indigo eCS was discontinued from April 2018.

Key Features of Indigo eCS

The Tata Indigo eCS is one of the smallest sedans being under four metres in length. It is available in both petrol and diesel variants. The diesel car has a 1.4-litre CR4 engine of 1405 cc capacity. The petrol car has a 1.2 litre SOHC engine of 1193 cc capacity.

The Indigo eCS has a fuel tank capacity of 42 litres. The petrol variant has a fuel efficiency of 15.64 km/l and the diesel variant's fuel efficiency is 25 km/l. It has a boot space of 380 litres. Its ground clearance is 165mm.

The key features of the Indigo eCS include:

  • Power steering and power windows
  • Remote fuel lid opener
  • Low fuel warning light
  • Keyless entry
  • Electronic trip meter
  • Chrome grille
  • Front and side-impact beams
  • Central locking

Premium for Indigo eCS Car Insurance

When you buy insurance for your Indigo eCS, the premium to be paid depends on factors like the car model and variant, year of registration, IDV, place of registration, among others. Some of the common variants of the Indigo eCS and the insurance premium rates are presented below:

Car VariantPrice of the CarIDV*Zero Depreciation (Add on)*Premium (Basic)*
Tata Indigo eCSGLS Petrol 1193 ccRs.5,10,158Rs.3,64,000Rs.1,802Rs.5,834
Tata Indigo eCS GVX Petrol 1193 ccRs.5,46,652Rs.3,57,000Rs.1,767Rs.5,783
Tata Indigo eCSLX TDI Diesel 1405 ccRs.6,19,950Rs.3,94,800Rs.1,954Rs.6,055

*The prices are calculated for 2018 (Till March) Indigo eCS car registered in Chandigarh.

Indigo eCS Car Insurance: Inclusions & Exclusions

Inclusions:

  • Injury liability is covered, which ensures that injuries to any third party will be compensated under the policy.
  • Property damage liability is included, whereby damage caused to property belonging to a third party would be taken care of by the insurer.
  • Damages to your car due to an accident or due to man-made hazards like arson, vandalism, riots, terror attacks, etc. are covered by the policy.
  • Natural calamities like earthquakes, floods, etc. are included allowing you to claim for damages.
  • Theft is included and in case of theft, you can claim for losses incurred.

Exclusions:

  • Any damages that occur when the policy is not in force are excluded.
  • War, nuclear attack, radiation, enemy hostilities are excluded from the scope of the policy.
  • Driving under the influence of alcohol or drugs is excluded and claims will not be entertained.
  • Driving by an underage driver, driving illegally, or using the car for commercial purposes invalidates the policy.
  • Any deliberate damages caused to the car are not covered.
  • Consequential damage to the car is excluded.
  • Mechanical and electrical breakdown is excluded.
  • General wear and tear are not covered in the policy.
  • Cost of consumables, damages to tyres and tyre parts, and engine damages are excluded.

Indigo eCS Car Insurance: Add-ons Features

When you buy an add-on cover, you are getting the advantage of enhancing the scope of your Indigo eCS car insurance policy. This allows you to claim many things excluded in the policy. Some of the add-ons you can consider buying are:

  • Return to invoice cover is an extremely useful add-on to buy. It allows you to claim the invoice price of the cover instead of the IDV (insured declared value). You can thus get a higher amount in the event of theft/accident.
  • 24 x 7 road assistance cover helps you get reimbursed for the cost of towing your car for repair or for assistance like changing a flat tyre, fuel delivery, and battery jump-start.
  • Engine protector is an add-on that extends the coverage of the insurance to the engine and engine parts.
  • Personal belongings cover is an add-on that ensures you can claim for the cost of personal belongings kept in the car when it is stolen (eg: baggage, laptop, mobile).
  • Consumables cover is an add-on that ensures the cost of consumables can be claimed (coolant, engine oil, gear oil, etc).

Steps To Renew Indigo eCS Car Insurance Policy

Once you get your car insurance, you need to renew it well before time to ensure your coverage is not stopped for any reason. Renewing your car insurance policy is easy and convenient when you do it on PolicyX.com. The following explains how to do it:

  • Scroll to the top of this page and find the 'Get Instant quotes' option.
  • You need to enter your car number and select 'Get quotes' or you can even go ahead without entering your car number by choosing 'Proceed without car number'. Provide details of your car like model, variant, registration date, and RTO code. Select 'Renewal' and click on 'Continue'.
  • You will see quotes from various insurers, including the insurer with whom you have the current policy. Review the quotes and choose the plan of your choice.
  • You will now be taken to the website of the insurer where you can make the premium payment online.
  • You will get an email with the confirmation of payment along with a copy of the policy.

TATA Indigo eCS Car Insurance: FAQs

1. Children were playing in the parking lot and the cricket ball hit my car windshield and broke it. Can I get it replaced under insurance?

Yes, you can if you have a comprehensive insurance policy. The act of a cricket ball hitting the car is considered a man-made hazard and you can get the car windshield repaired or changed and claim for the expenses incurred.

2. My car was parked in the basement and was flooded due to heavy rainfall. I tried to take it out of the basement but the engine failed. My insurance claim was rejected, why?

When you started your car, it caused engine flooding leading to a breakdown. This is consequential damage caused as a result of your action and is not a man-made hazard or natural disaster. It is specifically excluded from your policy coverage.

3. My car met with an accident and I made a claim. The insurance company told me that I was driving on the wrong side and hence my claim is rejected. Are they justified in doing this?

When you drive on the wrong side of the road, you are carrying out an action against the laws of the land. It is considered illegal. Accidents caused due to illegal actions of the driver are not included in the policy and you cannot make a claim.

4. I was travelling with my pet dog when I met an accident. Can I claim the expenses for the treatment of my pet?

Sorry, it is not possible. You can claim for the medical expenses you incurred due to injury in an accident, provided you have the personal accident insurance (as mandated by law). The scope of the insurance does not include any animal being carried in the car.

Last updated on 07-10-2020