Download the Policybazaar app
to manage all your insurance needs.
Secure your vehicle with affordable Car insurance
*Standard T&C Apply. UIN/ADV/1368/Banner/August/2022-23
-
Home
-
Car Insurance
- TATA AIG Car Insurance
TATA AIG Car Insurance
A Tata AIG car insurance policy protects your car from any unforeseen damage arising from events such as road accidents, car theft, fire, and more. This motor insurance policy by Tata AIG General Insurance Company can also be enhanced by purchasing additional covers at an extra nominal premium.
About Tata AIG General Insurance Company
Tata AIG General Insurance Company is a joint venture of the American International Group (AIG) and the Tata Group. Tata AIG General Insurance Company offers various insurance products under its motor insurance and other insurance categories. The company is well-known for its higher customer satisfaction rate, quick claim settlement, and fraud detection techniques.
With end–to–end services, the company is fanning out its business through various channels, such as brokers, agents, and banks, to direct servicing channels, such as e-commerce, telemarketing, and website, to ensure that their business is far-reaching.
Key Features of TATA AIG Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Personal Accident Insurance | Up to Rs.15 Lakhs |
| Network Garages | 7,500+ |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | 2 |
| No. of Non-Zero Dep Claims | Unlimited |
Benefits of Tata AIG Car Insurance
Here are some features and benefits of the Tata AIG car insurance policy:
- Personal accident cover is offered to the policyholder under the comprehensive or third party car insurance policy. This cover comes at an additional premium and compensates for death/disability of the owner/driver of the insured car.
- Tata AIG car insurance also offers 24*7 emergency assistance services to its policyholders.
- With 650 claim experts across India, the insurance company ensures a quick claiming process.
- The insurance company also offers coverage against damages to the insured car arising from accidents, manmade disasters, fire, theft and natural disasters.
Types of Tata AIG Car Insurance Policy
Tata AIG General Insurance Company offers three types of car insurance policies. These are:
-
Tata AIG Liability Only Policy
The liability-only policy covers a policyholder against third-party liabilities, such as third-party property damage, injury, or death, arising due to the insured car. The liability with respect to injury/death of the third party is unlimited, while for property damage, it is limited to up to Rs. 7.5 lakh under the policy.
-
Tata AIG Standalone Own Damage Policy
The standalone own-damage policy covers any loss or damage to the insured car due to road accidents, fire, theft, natural calamities, etc. This policy can be purchased if you have an existing third-party insurance and wish to extend coverage to your own car as well.
-
Tata AIG Comprehensive Car Insurance Policy
The comprehensive car insurance policy by Tata AIG General Insurance Company offers coverage to policyholders for own damages incurred by the insured car along with accidental third-party liabilities. Damages arising out of events like road accidents, fire, calamities, and theft are covered under this policy.
Moreover, its coverage may be further enhanced by purchasing add-on covers for an additional premium amount.
Tata AIG Car Insurance Premium Calculator
By using the car insurance premium calculator, you can calculate the insurance premium for your car before purchasing your desired car insurance plan. Thus, it can help you know if your chosen car plan fits within your budget.
Coverage Under Tata AIG Car Insurance
- Natural Disaster: The Tata AIG car plan covers natural disasters like floods, cyclones, earthquakes, etc.
- Theft: Any theft, burglary or housebreaking damages sustained by the insured car is covered.
- Accidental Damages: Any unintentional damages to the insured car is covered by the insurance company.
- Fire: Losses from fire, self-ignition, lightning or explosion.
- Strikes and Riots: Damages caused to the car due to strikes, riots or any other malicious acts
- Terrorist Act: Any terrorist activity resulting in damages to the insured car is covered.
- In-transit Damages: Damages incurred by the insured car during transit are also covered.
- Third-Party Liability: Third-party property damages, bodily injuries and death of third parties are also covered.
- Driving Without a Valid Licence: Damages sustained by the car when the driver is not carrying a valid driving licence are not covered.
- Consequential Loss: No coverage is offered for damages arising out of consequential losses.
- Wear and Tear: Regular wear and tear of the car and damages arising due to depreciation are not covered.
- Commercial Use: If a private car is used for commercial purposes, the damages incurred will not be covered.
- Drunk Driving: Damages sustained by the car due to drunk driving or driving under the influence of drugs are excluded from the policy.
- War & Nuclear Perils: Damage to the car caused by war-like situations, nuclear peril, or civil war in the country are excluded.
- Damages Due to Racing: Damages caused due to speed racing, crash testing, etc., are also excluded from the coverage.
- Consumable Cost: Only 50% of the replacement of consumable costs arising due to wear and tear will be reimbursed.
- Outside Geographical Area: Any damage sustained by the car outside the geographical area specified in policy documents is not covered.
- Mechanical Breakdown: Breakdowns/ failures of the car, whether mechanical or electrical, are excluded.
Tata AIG Car Insurance: Add-Ons
Zero Depreciation Cover
A Tata AIG car insurance policy usually does not cover the depreciation cost of the insured car at the time of claim. The Zero Depreciation cover pays for this depreciation amount deducted from the value of the replaced car parts in case of an own damage claim.
This cover can be availed only if the insured car is repaired at the insurance company's network garage. However, it can be availed only on the first two claims raised by the policyholder during the policy tenure.
Engine Secure Cover
The Engine Secure cover will protect the engine of the insured car against damages caused by water ingression or leakage of lubricating oil.
It will pay for the repair and replacement expenses of the internal engine parts, transmission, gearbox, and differential assembly. Moreover, it will cover the cost of consumables and lubricating oil used in the assembly.
Roadside Assistance Cover
The Roadside Assistance cover will provide on-road assistance or repair services if the insured car stops working in the middle of the road.
It will offer on-the-spot repair services as required by the car to start working again, such as flat tyre service, battery jump start service, etc.
Daily Allowance Cover
The Daily Allowance cover will ensure that the policyholder is paid an allowance to cover the expenses incurred on a hired vehicle if the insured car is getting repaired at a garage.
The insurer will pay an allowance for a maximum of 10-15 days, depending upon the cause of the car insurance claim. However, no allowance will be paid if the car gets repaired within three days.
Return to Invoice Cover
The Return to Invoice cover helps a policyholder get the invoice value of the insured car in case of a theft or total loss claim.
It reimburses the difference between the car's invoice value and its insured declared value (IDV).
No Claim Bonus Protection Cover
The No Claim Bonus Protection cover will enable the policyholder to maintain his/her NCB despite raising a claim during the previous policy year.
It protects the NCB of the car owner and prevents it from restoring to zero when a claim is raised. However, only one own damage claim is allowed in a policy year under this cover.
Tyre Secure Cover
Tyre Secure covers any repair and replacement expenses arising from any loss or damages caused to the tyres and tubes of the insured car in case of an accident.
Under this cover, the insurance company will pay for a maximum of four tyre replacements during a policy year.
Consumables Expenses Cover
The Consumable cover will pay for the cost of consumables that need to be replenished or replaced after an accident involving the insured car.
Consumables include engine oil, brake oil, lubricants, nuts & bolts, AC gas, etc., except for the fuel.
Loss of Personal Belongings Cover
The Loss of Personal Belongings cover will pay for any loss or damage to the car owner's personal belongings, such as clothes, audiotapes, CDS, videotapes, and other items to be worn.
This add-on cover comes with a deductible of Rs. 250 on every claim.
Emergency Transport & Hotel Expenses Cover
The Emergency Transport & Hotel Expenses cover will pay for the cost of a taxi hired by the policyholder to return home or to the nearest city in case the insured vehicle has been involved in an accident.
It will also cover the cost of an overnight stay if the policyholder opts for it.
Key Replacement Cover
The Key Replacement cover will pay to replace the insured car's keys if they are lost or stolen or if someone has broken into the vehicle.
It will also cover the labour cost incurred while replacing the car's keys.
Repair of Glass, Fibre, Plastic & Rubber Parts
This cover will allow the policyholder to get any minor damage on the fibre, glass, rubber and plastic parts of the insured car repaired without affecting the NCB.
However, this add-on cover allows only one claim during the policy tenure without affecting the NCB.
Courtesy/Hire Car
The Courtesy/ Hire Car cover under Tata AIG's car insurance policy will arrange a car on hire for the policyholder within 24 hours in case the insured car is damaged and needs to be repaired at a network garage.
However, this cover is applicable only if the car will take more than 24 hours to get repaired or if there has been a total loss or theft.
How to Renew Tata AIG Car Insurance?
Like buying car insurance is essential, Tata AIG car insurance renewal before its due date is equally important. It ensures that your vehicle is continuously covered from various unexpected risks you may face while driving. To renew your Tata AIG car insurance online, follow these steps:
Step 1: Visit Policybazaar.com and select the 'Car Insurance' tab from the homepage
Step 2: Enter your car number and select 'View Prices'
Step 3: Fill in your details like name, email, mobile number and proceed.
Step 4: Select the expiry date of your policy and whether you previously made a claim or not.
Step 5: Find the Tata AIG vehicle insurance plan from the mentioned plans. You can also view policy details by selecting the 'Policy Details' option.
Step 6: Select add-ons you wish to add at an additional premium and select the plan.
Step 7: Select the No Claim Bonus of your existing policy and proceed.
Step 8: Fill out the proposal form correctly.
Step 9: Select 'Summary and Payment'.
Step 10: Once the premium has been verified, you can pay for Tata AIG car insurance renewal online using your preferred payment mode.
Step 11: Your car insurance policy will be renewed once the payment is made. The renewal documents will be sent to your registered email address.
How to File a Claim Under Tata AIG Car Insurance?
To register a claim under the Tata AIG car insurance policy, follow the steps mentioned below:
1
Report the Incident:
Report the incident or the loss to the insurance company using their helpline number.
2
Register Your Claim:
Register the claim with the insurance company and receive a claim intimation number.
3
Inspection of Damages:
Once the claim has been registered, the insurance company's representative will inspect the damaged vehicle and conduct a loss evaluation within 48 hours.
4
Submit the Documents:
Submit the required documents, such as the claim form, to the claim inspector when requested.
5
Claim Settlement:
After that, the company will inform you about the settlement amount. After this, the claim will be settled with the authorised network garage. In the case of non-network garages, the insurance company will reimburse the amount that you paid for repairs.
Documents Required to Raise Claim Under Tata AIG Car Insurance
To file a Tata AIG car insurance claim, you will be required to submit the following documents during claim registration:
- A copy of the valid driving licence.
- A copy of the car's registration certificate.
- A verified copy of the Police FIR
- Claim intimation number received after filing the claim
- Copy of policy papers
- Bills of repairs done at a garage
- Duly filled and signed claim form.
- Original keys of the vehicle
- Duly signed RTO transfer papers (if applicable)
- No trace report in case of vehicle theft
Car Insurance for Popular Brands in India
FAQs
-
Q1: How is IDV for Tata AIG car insurance policy calculated?
Ans: Tata AIG car insurance calculates Insured Declared Value (IDV) based on age, model, and vehicle brand. The registration and insurance costs are excluded from IDV. As the car grows old, its IDV also depreciates. To calculate IDV, Tata AIG car insurance follows the following depreciation schedule:
Age of the vehicle % depreciation for calculating IDV Not exceeding 6 months 5% Exceeding 6 months but less than 1 year 15% Exceeding 1 year but less than 2 years 20% Exceeding 2 years but less than 3 years 30% Exceeding 3 years but less than 4 years 40% Exceeding 4 years but less than 5 years 50% -
Q2: What is the range of fuel support given under Tata AIG car insurance?
Ans: If the insured vehicle runs out of fuel and is immobilised, Tata AIG car insurance will charge for emergency fuel of up to 5 litres at the location of the breakdown.
-
Q3: Does Tata AIG car insurance offer NCB protection cover?
Ans: Yes, NCB protection coverage is available under a Tata AIG vehicle insurance plan. If you get plastics, rubber or fibre parts repaired at the authorised centre of the insurance company, your NCB will not be affected. However, this coverage is available for up to 1 claim only.
-
Q4: How can I get Tata AIG car insurance policy download online?
Ans: You can download a copy of your Tata AIG car insurance policy online from the insurer's official website. If you have purchased a policy from us, you can simply log in to your Policybazaar account and download your policy copy from your account dashboard.
-
Q5: Does Tata AIG General Insurance offer roadside assistance services?
Ans: The roadside assistance of Tata AIG four-wheeler insurance can be broadly classified under the following heads:-- Repair and Towing Assistance Service for a Flat Tyre- If the insured vehicle is halted due to a flat tyre, the insurer provides emergency assistance to fix/replace the flat tyre.
- Flat Battery Jump Start Service- If the battery runs down, the insurer will send a technician to help you start the car.
- Spare Key Retrieval - If your car keys are locked inside the vehicle or are lost or misplaced, you must arrange another set from your home or office; the insurance company will help you get your spare keys.
- Fuel Support- If your vehicle runs out of fuel, you will get emergency fuel up to 5 litres on a chargeable basis.
-
Q6: Under Tata AIG car insurance policy, what is the maximum limit for add-on cover for personal belongings?
Ans: Rs. 10,000 is the maximum coverage limit for the loss of personal belongings covered under the Tata AIG car policy.
-
Q7: How long will Tata car insurance take to settle my claim?
Ans: The Tata AIG General Insurance Company settles a car insurance claim request within 30 days.
-
Q8: How do I renew my Tata AIG car insurance policy if it has expired?
Ans: If your car insurance policy has lapsed, it can't be renewed without an inspection. Within 90 days from the policy's expiry date, you can place your inspection and renewal request on their toll-free number. Once the inspection is complete, you can renew your car policy online.
Cashless Garages across India
6900+ Cashless Garages in India
Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Car insurance Articles
- Recent Article
- Popular Articles
20 Jun 2024
Top 5 Car Care Tips to Beat The Summer Heat
The extreme heat and constant heat wave warnings have made
Read more
11 Jun 2024
How to Check Car Owner Details By Registration...
Scenarios like hit-and-run accidents or purchasing a second-hand
Read more
21 May 2024
Get Faster Claim Settlement with Policybazaar...
Getting your car insurance claim settled is no longer a hassle
Read more
17 Apr 2024
Understand the Nitty-Gritty of Car Insurance...
Have you recently purchased a car insurance policy for your new
Read more
22 Feb 2024
IDV in Car Insurance
In layman's terms, the IDV full form is the Insured Declared Value
Read more#Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc
*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.