TATA Venture Car Insurance Renewal Online
TATA Venture
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Venture Car Insurance

The Tata Venture is a minivan from Tata Motors that was introduced to compete with the Omni and Eeco. It was launched in India in 2010. The van is an MPV (multipurpose vehicle) with 5, 7, and 8 seat arrangements. Tata Motors discontinued the production of the Venture in 2017 following poor response from the market.

Key Features of Venture

The Venture is a diesel minivan that has a 1.4-litre turbocharged engine of capacity 1405 cc. It has a 5-speed manual transmission. The car is offered in three variants (LX, EX, and GX). It is available in 13 different colour shades.

The Tata Venture is available with three doors and four doors, depending on the variant and number of seats. It has a boot space of 500 litres. The car's fuel tank capacity is 33 litres. It offers a mileage of 15.42 km/l and has a ground clearance of 160 mm.

Some of the key features included in the Tata Venture are:

  • Power steering
  • Low fuel warning light
  • Bench folding type rear seat
  • Manually adjustable rear-view mirrors
  • R14 tubeless radial tyres
  • Front and side-impact beams
  • Centrally mounted fuel tanks
  • Child safety locks

Premium for Venture Car Insurance

When you buy an insurance policy for your Tata Venture, the premium amount you need to pay depends on several factors including the variant of the car you have, the RTO code (place registered), and the year of registration. The following table has premium rates for some of the variants of the Venture:

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

TATA Venture LX 7-seater Diesel 1405 cc

Rs.4,76,000

Rs.3,18,000

Rs.1,717

Rs.5,257

TATA Venture EX 7-seater Diesel 1405 cc

Rs.5,03,000

Rs.3,44,565

Rs.2,929

Rs.5,971

*The prices are calculated for a 2017 Tata Venture car registered in Mumbai.

Inclusions & Exclusions

Inclusions

  • Any damage caused to your car as a result of an accident is included in the policy, which allows you to claim for the damages.
  • In case property belonging to a third-party is damaged, the insurer would take care of the damages.
  • Injuries to a third-party are included and are indemnified by the insurer.
  • Compulsory personal accident insurance entitles you to receive compensation in case of disablement. Nominated family members can receive compensation in case of death.
  • If the car is stolen, you can claim for the losses incurred since theft is covered by the policy.
  • Any damages caused by natural calamities like floods, cyclones, and earthquakes are included.
  • Damages from fire, explosions, and man-made hazards (riots, vandalism and arson) are included.
  • Damages caused during transit are included under the policy.

Exclusions

  • Claims will not be allowed for any mechanical failure or electrical breakdown of the car, or any failure due to weather conditions.
  • Claims related to general wear and tear of the vehicle are excluded from the policy coverage.
  • Damages to tyres and tubes, as well as damages to the engine or engine parts are excluded.
  • Damages caused by an accident will not be entertained if the driver did not have a valid driving license at the time of an accident or was under the influence of drugs or alcohol.
  • Any damages caused due to driving for an illegal purpose, racing, or driving for commercial use are excluded.
  • Damages caused during war, enemy hostilities, civil disturbances, mutiny, or nuclear incidents are excluded.
  • In case the damages are found to be done deliberately or with the intention of defrauding the insurer, the claim will be denied.
  • Cost of consumables is not included in the policy.

Add-ons Benefits For Venture Car Insurance

Your basic policy has many exclusions. If you want to get these exclusions covered by the policy, then you can buy an add-on cover for your policy. Some of these add-ons are listed for your reference:

  • 24 x 7 road assistance is an add-on that entitles you road assistance in case of towing, battery jump-start, getting fuel, tyre change, etc.
  • Zero depreciation cover is a very useful add-on that would ensure depreciation on parts is considered as zero. This will enable you to get bumper-to-bumper coverage.
  • Personal belongings cover will help you claim for losses due to the theft of luggage, laptop, camera, mobile, and other such personal belongings.
  • Invoice price is an add-on that ensures the invoice price of the car is considered while calculating claims, instead of the IDV (insured declared value).
  • Consumables cover will include the cost of consumables under your policy allowing you to claim for them.

Venture Car Insurance Renewal Process

You need to renew your Venture car insurance policy before the expiry date so that you do not miss a single day of coverage. Renewing is a cinch when you do it through PolicyX.com. This is how you can do it:

  1. Scroll up the page and find the 'Get Instant Quotes' option.
  2. Select 'Get Quotes' after entering your registration number. Alternatively, select 'Proceed without car number', in which case you need to provide details like car model, variant, RTO code, and year of registration. Click on 'Renewal' and 'Continue' to get quotes.
  3. You will see quotes from different insurers, including your present insurer. Compare rates and choose the insurer of your choice.
  4. You will then be redirected to the insurer's website, where you can complete the transaction by making payment.
  5. Once the transaction is complete, you will get a confirmation mail. You will also get a soft copy of the policy through email.

Frequently Asked Questions (FAQs)

1. I lost my car insurance policy. Does it mean that my insurance policy is not valid anymore? What to do in such a situation?

There is nothing to worry about in this situation. You have not lost the policy but only a printed copy of it. Your insurance policy continues to be valid. All you need to do is check your email for a soft copy of the policy. If not available, just call the insurer and ask them to send another copy by email. Take a print, and you are good to go.

2. I enjoy a 50% NCB for my car insurance that allows me a discount on the premium. Is it true that I will lose the entire NCB if I make a claim?

Yes, the bonus is for not making a claim and you will lose it when you make the claim. To avoid this situation, you can buy an NCB protector add-on cover that ensures you retain the NCB even after making a claim.

3. I had fitted a music system in my Tata Venture car. It was damaged during an accident. I made a claim under the policy but it was rejected, why?

A music system is an electrical accessory, which is not installed by the manufacturer and is hence not covered by insurance. You can buy an electrical accessory cover to get it included, so you can make a claim if it is damaged in an accident.

4. I had left my car key in my Venture by mistake and the car was stolen. Can I make an insurance claim?

Leaving the car key inside the car is an act of negligence. This would invalidate the insurance policy. The insurer then has the right to reject the insurance claim and deny payment.

Last updated on 24-09-2020