Tata Nexon insurance starting from just at ₹238/month
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Up to 90% Discount
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11,000+ Network Garages
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Quick Claim Settlement
Tata Nexon Car Insurance
The Tata Nexon has established itself as a leader in India's compact SUV segment, known for its bold design, multiple engine and transmission options and a commitment to safety that has earned it a 5-star safety rating. Whether it is the daily commute through city traffic or weekend escapes to the countryside, the Nexon’s strong build and technology make it an ideal choice for modern drivers, families and adventure-seekers across India. But even a vehicle built with class-leading safety cannot always fend off unforeseen incidents.
A sudden change in traffic, a pothole or a blind spot can lead to unexpected damage. Imagine driving your Nexon through a busy market when another vehicle brushes against your car, leaving a cracked tail lamp. Such incidents can quickly turn a premium driving experience into an expensive hassle. That is where IndusInd Tata Nexon insurance (formerly known as Reliance Tata Nexon insurance) provides crucial protection, covering your repair costs.
Offering quick breakdown assistance* and access to 11,000+ network garages*, our car insurance ensures that help is never far away. Plus, with the Instant Claim feature of the IndusInd Insurance app, filing a claim has never been easier. Using live video streaming, you can report the damage in real-time and get back on the road faster.
IndusInd General Insurance (previously Reliance General Insurance) offers affordable premiums, 24/7 customer support and a variety of customisable add-ons, ensuring that no matter what happens, you have reliable support and financial protection at every turn.
15+ Add-On Covers Available
Customise your Tata Nexon insurance.
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature Available
File claims via the IndusInd Insurance app
24/7 Customer Assistance
Get support from anywhere in India
Why Do You Need Tata Nexon Insurance?
Legal Requirement
In India, having at least a third-party car insurance policy is a legal requirement under the Motor Vehicles Act, 1988. So, if you are caught driving your Tata Nexon without valid insurance, you will be liable to pay fines starting from ₹2,000 and may also face imprisonment for up to 3 months. Repeated offences incur higher penalties, including fines up to ₹4,000.
Covers Car Repairs
The Tata Nexon’s strong SUV build and high ground clearance make it perfect for city traffic and uneven roads. But frequent drives on challenging terrains can expose it to risks. For example, while navigating a narrow, hilly road, an oncoming vehicle might swerve too close, causing your Nexon to scrape against the rocky edge. With car insurance, these repair costs are taken care of, saving you from heavy expenses.
Covers Theft
The Tata Nexon’s widespread popularity and a price tag of up to ₹16.99 lakhs* make it a potential target for theft or attempted theft, whether parked on busy streets or left unattended in public areas. With car insurance, you are safeguarded against such risks as it provides compensation for stolen vehicles or parts based on the car’s IDV, ensuring you do not have to bear the financial burden alone.
Covers Natural Disasters
Natural disasters like floods, storms, earthquakes, etc, can cause severe damage to your Tata Nexon. For example, rising floodwaters can submerge your SUV, damaging the engine, electrical systems and interiors. Mudslides or falling debris in hilly areas may cause structural harm. Car insurance covers these unpredictable damages, saving you from costly repairs and keeping your SUV road-ready.
Covers Fire Damage
While fire damage may seem rare, it is a very real risk that can happen for several reasons. For instance, an electrical short circuit due to faulty wiring can spark a fire, causing catastrophic damage to your Tata Nexon. Having car insurance ensures that you are financially protected from these fire-related damages, allowing for a smoother recovery from an unpredictable and devastating event.
Vast Garage Network
The Tata Nexon’s versatility makes it perfect for both short and long journeys. However, a mishap far from home can leave you relying on a local garage that uses non-genuine spare parts, compromising your Nexon's performance. Our vast network of 11,000+ garages* solves this problem, ensuring you can access quality, cashless repairs using only original Tata Nexon parts, whether you are in a metro city or a remote town.
Types of Tata Nexon Car Insurance Plans
Comprehensive Car Insurance
This plan safeguards your car and covers damage you may cause to others. For instance, if you accidentally hit another car, the policy would cover the repair costs for your vehicle and the other car, protecting you from hefty repair bills. You can further tailor this broad coverage with our range of add-ons, shaping your policy in a way that fits your lifestyle and driving habits.
Pay As You Drive Car Insurance
In this usage-based policy, your premium is calculated based on how much you drive, rather than a fixed rate. It is ideal for Nexon owners who do not use their car frequently, work from home or have multiple vehicles. You can opt for coverage between 2,500–10,500 km*, with an additional 125 km grace buffer*, ensuring protection while keeping your insurance costs efficient.
Third Party Car Insurance
A third-party plan is a legal mandate for all cars in India. It covers damage caused to third parties in an accident. For example, if your Nexon accidentally scratches a neighbour’s parked car, the policy pays for their repair costs. It is the most affordable type of insurance and can be purchased for up to 3 years, providing long-term protection and ensuring legal compliance.
Own Damage Car Insurance
This type of insurance specifically covers damages to your car from accidents, theft, fire or natural disasters. For example, if your Nexon sustains damage in a hailstorm or suffers dents from a wild animal encounter, this insurance will cover the repair expenses. It can be purchased as a standalone plan or paired with third-party insurance for complete protection.
What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.
Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your Tata Nexon except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
Buy your Tata Nexon car insurance from IndusInd today!
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Tata Nexon Insurance Add-On Covers
IndusInd General Insurance offers a wide selection of over 13+ add-ons that can be added to your policy. These allow you to protect your Tata Nexon from specific risks, turning a standard policy into a powerful financial shield tailored to your unique driving needs. Below is a list of add-ons that you can choose from to enhance your coverage and receive tailored protection for diverse situations.
Nil Depreciation Cover
Money Saver
You can recover full replacement costs for plastic, rubber and fibre parts, which often sustain damage and depreciate quickly. Offering significant savings, it is a wise choice for every Nexon owner.
Pay As You Drive
Money Saver
Lets you pay a premium according to the kilometres you drive, delivering meaningful savings. An ideal choice for Tata Nexon owners who use their car occasionally, as it lets you pay only for the coverage you use.
Return to Invoice
Money Saver
This guarantees that in case of total loss or theft, you receive the full original invoice value of your Nexon, ensuring you can replace your vehicle without incurring financial loss due to depreciation.
Engine Protection
Extra Car Protection
Covers damages to your car’s engine caused by issues like engine malfunction, lubricating oil leakage and water entering the engine, providing crucial financial relief, especially in flood-prone areas or heavy rain seasons.
Car Tyre Protection Cover
Extra Car Protection
Takes care of repair or replacement costs of your tyres if they burst, bulge or get cut due to impact or road conditions, such as potholes, sharp objects or rough terrain, saving you from out-of-pocket expenses.
Key & Lock Replacement
Extra Car Protection
Protects you if your keys are lost, stolen or damaged by covering the cost of replacing keys, repairing the lock and reprogramming smart keys. Ideal for those who own Nexon variants equipped with advanced keys.
Consumable Expenses
Money Saver
Provides coverage for the costs associated with consumables like engine oil, nuts and brake fluid so you are not hit with extra expenses for small but essential items every time your car undergoes repairs.
RIM Protection
Extra Car Protection
Covers repair or replacement costs for up to 4 rims if they are damaged by accidents or bad road conditions like potholes or uneven surfaces. Valuable for those who frequently drive on poorly maintained roads.
24/7 Roadside Assistance
Extra Car Protection
Ensures you get timely help, including towing services, battery jumpstarts and on-site repairs, if your car breaks down. To get support, call our helpline at 022 48903009 or get in touch via the IndusInd Insurance app.
Personal Belongings
Extra Car Protection
Compensates you if valuable items worth over ₹5,000* are stolen from your insured car or damaged in an accident. A must-have for anyone who frequently carries expensive gadgets, laptops or luggage in their car.
Daily Allowance Benefit
Money Saver
Gives you a daily cash allowance if your car is in the garage for more than 3 days* after an accident, helping you cover transportation costs until your car is back, easing your commute without financial stress.
EMI Protection Cover
Money Saver
Pays your EMIs (for chosen tenure) if your car is under repair for over 21, 42 or 63 days*. It is a practical way to protect your budget from the double burden of having a broken-down car and a loan to repay.
No Claim Bonus (NCB) Retention Cover
Money Saver
Lets you keep your No Claim Bonus (NCB) even if you raise a claim during the policy year. It protects your earned discount up to 2 claims per year*, helping you save on premiums at renewal despite making claims and ensuring long-term savings.
Electrical Accessories Cover
Extra Car Protection
Covers loss or damage to valuable aftermarket electrical fittings installed in your car. Best for those who have personalised their Tata Nexon and seek extra insurance coverage.
Non-Electrical Accessories Cover
Extra Car Protection
Protects non-electrical car accessories against damage or theft. Ideal for Tata Nexon owners with stylish or functional non-electrical upgrades, ensuring these additions stay protected without out-of-pocket expenses.
EV Battery Protection
EV Car Protection
Protects the expensive battery of your electric Tata Nexon against damage from accidents, power surges, water, etc. With replacement costs going up to half the car's value, it is a smart investment for all Tata Nexon EV owners.
Electric Motor Protect
EV Car Protection
Financially protects you if your Tata Nexon EV’s motor is damaged due to water ingression, short circuits, etc., offering essential coverage for one of the most important and expensive parts of your vehicle.
EV Charger Cover
EV Car Protection
Protects your EV’s home charging unit, including the fixed unit and adaptor, against damage from accidents, theft, natural disasters or even rodent bites, ensuring your charger is always secure and functional.
Up to 90% discount*
Over 11,000 network garages*
Video self-claim with the App
Factors Affecting Tata Nexon Car Insurance Premium
Planning to buy insurance for your Tata Nexon? Understanding the factors that affect your premium is the first step to choosing the best coverage and saving money. Here are the key elements that determine your Tata Nexon insurance cost -
Nexon’s IDV
The IDV is your Tata Nexon’s market value, and it is the maximum amount the insurer will pay in case of a total loss or theft. A higher IDV provides a better payout but increases your premium. A lower IDV lowers your premium but may not give you adequate coverage. Choose an IDV that balances protection and Tata Nexon insurance cost to ensure adequate claims without overspending.
Coverage Type
A basic third-party liability policy for your Nexon is mandatory and the most affordable, but it only covers damages to others. It covers damages to third parties and their property, but does not protect your own vehicle. On the other hand, a comprehensive policy costs more but offers extensive coverage, including protection for your car against accidents, theft, natural disasters and more.
Add-Ons
Add-ons enhance your Tata Nexon insurance by covering specific risks not included in the base policy. Options like engine protection or key replacement increase your Tata Nexon insurance cost slightly but provide significant benefits and minimise out-of-pocket expenses during claims. So, choose add-ons based on your needs and budget. It will help you customise coverage without overspending on unwanted features.
Car’s Make and Model
The make and model of your Tata Nexon significantly influence your insurance premium. Premiums vary based on its safety features, engine type, cost of parts and repair expenses. A well-known, safer model with lower maintenance costs usually attracts lower premiums, while high-performance variants may demand higher premiums due to increased repair and replacement expenses.
Claim History
If you have made multiple claims previously, insurers may see you as a higher risk, leading to increased Tata Nexon insurance costs. Conversely, a history of no claims earns you a "No Claim Bonus" (NCB), which significantly discounts your premium. Maintaining a clean claim record helps you save money while securing better policy terms.
Anti-Theft Devices
Installing an ARAI-approved anti-theft device on your Tata Nexon can lower your insurance premium. Insurers view these devices as a way to reduce the risk of theft, which in turn decreases the likelihood of a claim. This reduction in risk often leads to a discount on your premium, making your coverage more affordable while enhancing vehicle security.
Maruti Suzuki Baleno Key USPs
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Step 1: Inform Us
You must inform us within 24 hours and and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.
Step 2: Claim Verification
Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.
Step 4: Claim Approval
Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.
Step 5: Bill Settlement
After we approve, we pay the bill directly to the garage and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.
Step 2: Visit Garage
Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
Step 3: Register Claim
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
Step 4: Upload Documents
As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate
Step 5: Money Transfer
Upon approval, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Tata Nexon - Variants and Prices
The Tata Nexon offers an extensive lineup with multiple variants, fuel types (petrol, diesel, CNG) and transmissions. From the budget-friendly Smart to the feature-packed Fearless, there is a Nexon tailored to meet every customer's specific needs, preferences and budget.
Tata Nexon Variants | Price (as of September 2025)# |
|---|---|
Nexon Smart (Manual | Petrol) | ₹8 Lakh |
Nexon Smart + AMT (Automatic | Petrol) | ₹9.60 Lakh |
Nexon Pure + (Manual | Petrol) | ₹9.70 Lakh |
Nexon Pure + CNG (Manual | CNG) | ₹10.70 Lakh |
Nexon Pure + Diesel (Manual | Diesel) | ₹11 Lakh |
Nexon Creative (Manual | Petrol) | ₹11 Lakh |
Nexon Creative + S AMT (Automatic | Petrol) | ₹12 Lakh |
Nexon.ev Creative + MR (Automatic | Electric) | ₹12.49 Lakh |
Nexon Fearless + PS DT (Automatic | Petrol) | ₹13.30 Lakh |
Nexon.ev Empowered MR (Automatic | Electric) | ₹14.79 Lakh |
Nexon.ev Empowered + 45 (Automatic | Electric) | ₹16.99 Lakh |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
Crowned India’s largest-selling SUV for three consecutive years from 2021 to 2023, the Tata Nexon is loved by millions of Indian drivers, combining bold design, premium interiors and cutting-edge features that make every drive memorable. Its 5-star Global NCAP safety rating adds unmatched protection, keeping you and your loved ones safe on every journey. But just as the Nexon is built to protect you, it is equally important that you protect your Nexon with IndusInd Tata Nexon Insurance (formerly known as Reliance Tata Nexon Insurance).
Providing all-around at just ₹238 per month*, our car insurance protects your Nexon against accidents, weather damage, theft and more, ensuring your SUV continues to serve you for years to come without additional expenses. You can buy your policy online in just 2 minutes* and raise claims instantly via our easy-to-use IndusInd Insurance app. To make your journey even smoother, we offer breakdown assistance within 15 minutes* and 24/7 support*, making sure you are never stranded and always have support when you need it most.
Insure your Nexon the smart way with fast, affordable and dependable coverage from IndusInd General Insurance. Buy your policy online now and enjoy discounts of up to 90%* on your premium!
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Get all-around protection for your Tata Nexon with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.
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