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Tata Winger
The Tata Winger is a multipurpose vehicle created by Tata Motors, the fourth-largest bus manufacturer in the world, which offers a variety of transit vehicles necessary to fulfill our daily demands.
Tata Winger Specification and models
| Winger's Variants | Tata Winger School 13D; Tata Winger Tourist/Staff 9D; Tata Winger Tourist/Staff 12S; Tata Winger Ambulance 3200; Tata Winger Staff 12D/13D; Tata Winger Ambulance 3488; Tata Winger Tourist/Staff 15D; Tata Winger Skool 2800 13D; Tata Winger Skool 3200 18D. |
| Engine Description | 2.2l DICOR |
| Engine Displacement | 2200cc |
| Maximum Power | 100 bhp @ 4000 rpm |
| Maximum Torque | 190 Nm @ 1250-3500 rpm |
| Length x Width x Height | 4,920x 1,950x2,665 mm |
| Wheelbase | 3,200 mm |
| Fuel Type | Diesel |
| Seating Capacity | 13+D |
| Fuel Tank | 60 L |
| Suspension | Front-Mcpherson Strut with Coil Spring, Rear-Parabolic Leaf Spring |
| Brake System | Front-Disc, Rear-Drum |
What is Included in Tata Winger Insurance?
Liability of Third Parties
- Covers harm or damage to a third party (other persons, their property, or their vehicle).
- Indian law requires this (Motor Vehicles Act).
- Includes personal harm, property damage, and third-party fatalities.
Own Damage (Own-Damage/First-Party Coverage)
- Protect your own car from harm.
- Includes harm caused by crashes and accidents.
- Damage by fire, explosion, or self-ignition.
- The car was stolen.
- Comprehensive or own-damage policies cover natural disasters like floods, earthquakes, tornadoes, etc.
- Depending on the policy, damage may occur when the car is being transported by road, rail, or sea.
Personal Accident Cover
- For the owner-driver: if there is an accident, this cover gives financial support in case of death or permanent disability.
- Some policies / add-ons might extend PA cover to other passengers (depending on what your insurer / policy wording says).
What is not Included in Tata Winger Insurance?
- Normal wear and tear are not included in Tata Winger Insurance.
- Driving without a valid license or while under the influence of alcohol / drugs.
- Use of the vehicle for unauthorized purposes (e.g. commercial use if policy is for private use) may be excluded.
- Damage outside the geographical scope of the policy (for policies that restrict to India).
- Depreciation of parts (unless zero depreciation add-on is opted).
How to get a claim for Tata Winger 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 incident details : Policy number, Vehicle info, Time, date, and place, Description of damage, FIR details (if any)
File FIR (if required) : Theft, Major accidents, Third-party injury/damage, Vandalism
Surveyor inspection : Insurer sends a surveyor, Damage is assessed, Repair approval given, Do NOT repair before survey
Submit documents : Policy copy, RC, Driving licence, FIR (if applicable), Claim form, Photos/videos of damage, Repair estimate
Repair the vehicle : Cashless at network garage (insurer pays garage), Reimbursement at any garage (you pay first, insurer pays later)
Claim settlement : Insurer settles approved amount, Deducts deductible, depreciation, and non-covered items, Pays garage (cashless) or you (reimbursement)
For theft claims : File FIR immediately, Submit police final report, Provide keys & documents, Receive payment equals IDV after approval
Frequently Asked Questions
