Sport Utility Vehicles or SUVs are growing in popularity in India. In recent years, there has been a surge in the demand for powerful and comfortable SUVs. Popularly called ‘Beasts’, SUVs are known to be the perfect blend of performance and convenience. Tata Harrier is a five-seater crossover SUV that is built on the Land Rover platform. Known as one of the most eye-catching SUVs in India, Tata Harrier has been tastefully designed for style, comfort, and convenience. While Tata cars are known to be sturdy and safe, accidents and disasters can never be predicted. Therefore, you need an insurance plan that offers legal and financial protection during exigencies. Today, we will be talking about Tata Harrier Insurance and look at the reasons why you need one.
One of the most reliable names in cars, Tata Motors has launched a plethora of car models over the last 30 years. In 2019, it launched Tata Harrier – a 1956-cc stylish SUV. With a BS6 engine and six-speed manual transmission, the Harrier is available in 20 variants.
Why You Need Tata Harrier Car Insurance
You can purchase a Tata Harrier in the price range of around ₹14.5-21.2 lakhs. While Tata cars are built to be strong and sturdy, accidents and disasters can cause damage to them. If you don’t have a car insurance policy that covers damage to your vehicle, then managing the cost of repairs can burn a hole in your pocket.
Third-Party or Comprehensive Car Insurance
In India, many car owners opt for the mandatory third-party liability car insurance policy only. However, it is important to remember that such policies do not cover the costs of damage to your Tata Harrier. Hence, buying insurance for Tata Harrier, make sure you buy a comprehensive plan with the required add-ons to protect your car. A comprehensive four-wheeler insurance price might be a bit higher than third-party liability plans, but it will be worth paying Tata Harrier’s insurance price for the protection it offers.
Choosing Add-on Covers for Your Car?
Insurers offer a range of add-on covers to help car owners customise the plan as per their specific needs. For example, if you are planning to go on long drives in your Tata Harrier, then you can opt for an add-on cover that offers breakdown assistance and tyre protection. Here are some covers that you can consider for a Tata Harrier:
- Roadside Assistance – Long road trips are memorable, especially with an SUV like Tata Harrier. However, road trips also come with the added risk of the car breaking down in the middle of nowhere. With a Roadside Assistance cover, the insurer offers a range of emergency services that can help you manage such situations with ease. These include arranging for a mechanic, emergency towing, refuelling, etc.
- Engine Protect – A regular comprehensive car insurance policy does not offer coverage for the cost associated with engine repairs. Based on the expected use of the car, if you think that these costs can be high over time, then you can consider opting for an Engine Protect add-on cover.
- Zero Depreciation – As soon as a car leaves the showroom, its price starts falling. This is called depreciation. When you file a car insurance claim, the insurer deducts depreciation based on the age of the vehicle. When you opt for a zero depreciation cover or bumper to bumper car insurance, you can expect a better claim settlement amount as the insurer will not deduct depreciation.
- Consumables Cover – A comprehensive car insurance policy will not cover the costs associated with various consumables like lubricants, coolant, oil, etc. When you purchase a Consumables add-on cover, you can receive reimbursement for them too.
When you purchase a Tata Harrier, make sure you get it serviced and maintained regularly. This can keep your car running efficiently for a longer time. Also, make sure that you purchase the right car insurance policy to manage any sudden costs due to an accident, mishap, or natural disaster. There are many insurers offering car insurance policies to help you manage such costs with ease. Look for a plan which is designed for Tata Harrier and compare providers before making a decision. Good Luck!