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Tata 207
Tata 207 insurance is a business automobile insurance coverage that gives criminal and economic safety for the Tata 207 pickup used for goods-carrying commercial enterprise. It covers third-celebration liabilities required by law and also can include own-damage safety for the automobile in opposition to injuries, theft, furnace, or herbal calamities.
Tata 207 Specification & Models
Tata 207 DI RX
| Engine | 3.0 litre (2,956 cc) Tata 497 SP naturally aspirated / direct-injection. |
| Power | ~65 hp @ 2,800 rpm (for some RX versions) |
| Torque | ~185 Nm (depending on sub-variant) |
| Fuel tank | 60 litres |
| Suspension (RX) | Parabolic leaf springs (front + rear) |
| Brakes | Disc (front) + drum (rear) with vacuum-assisted hydraulics Wheelbase: 3,150 mm GVW: 2,950 kg |
| Payload | ~1,010 kg (in some versions) |
What is Included in Tata 207 Insurance?
Third-Party Liability Cover
- Covers legal liability for injury or death of a third party in an accident.
- Also covers damage to third-party property (for example, someone else’s vehicle or their property).
- Includes a Personal Accident (PA) cover for the owner/driver in case of injury or death.
Own-Damage (OD) Cover / Physical Damage
- Covers damage to the Tata 207 itself due to fire, explosion, self-ignition, or lightning.
- Covers theft or burglary of the vehicle.
- Covers damage due to natural calamities: flood, hurricane, storm, cyclone, landslide, rockslide, etc.
- Covers damage due to man-made risks: riots, strike, malicious acts, terrorist activity.
- Covers damage while the vehicle is in transit (road / rail / inland-waterway / air) as per some insurers.
Personal Accident Cover
- Covers bodily injury or death of the owner-driver while driving, getting in or out of the vehicle.
- Optionally, some policies offer PA cover for other occupants (co-drivers or paid drivers), depending on the capacity.
What is not Included in Tata 207 Insurance?
- Goods / Cargo Inside the Vehicle: The insurance typically does not cover the goods or cargo being transported.
- Mechanical / Electrical Breakdown: Damage purely from mechanical failure or electrical faults is generally not covered.
- Depreciation: Wear and tear, depreciation of vehicle parts, etc., are usually excluded.
- Driving Under Influence / Without License: If the driver is under the influence of alcohol or drugs or does not have a valid driving license, claims may be rejected.
- War / Nuclear Risks: Typically excluded by most commercial vehicle policies.
How to get a claim for Tata 207 Insurance?
Inform the Insurance Company Immediately : As soon as the accident, damage, fire, or theft happens
- Call your insurance company’s 24×7 claim helpline
- Or register the claim through their app/website
Provide : Policy number, Vehicle number, Driver name & licence, Location and description of the incident
File an FIR (If Applicable) : You must file an FIR if there is: Theft of your Tata 207, Third-party injury or death, Major accident, Damage to someone else’s property, Keep copies of FIR for the claim file.
Surveyor Inspection : The insurer will assign a surveyor to inspect the vehicle.
You must show/provide : Original RC, Driving licence of the driver, Insurance policy copy, Claim form, Accident photos (if available), The surveyor will estimate repair cost and give approval.
Send the Vehicle for Repairs and You can choose: Cashless Claim (Recommended)
- Take your Tata 207 to an insurer-approved workshop
- Insurer pays the garage directly (you pay only deductibles)
Reimbursement Claim : Repair anywhere you choose, Pay the bill, Submit invoices to insurer for refund
Submit Required Documents and Common documents needed : Filled claim form, RC copy, Driving licence copy, Aadhaar/PAN (sometimes needed), FIR copy (if required), Surveyor’s report, Repair estimate, Final bills & receipts (for reimbursement)
Claim Settlement : Depending on your policy
- Cashless → Garage gets paid directly
- Reimbursement → You get paid after verification
Some deductions may apply : Depreciation (unless zero-dep cover added), Compulsory deductible, Consumables (unless covered)
Frequently Asked Questions
