TATA AIG GI Company which is one of the most trusted general insurance providers. The company works in collaboration between TATA, India and AIG, America. TATA AIG offers a wide range of general insurance products.
TATA AIG Car Insurance renewal is quite easy and is mandatory for every car owner in India. Amid the increasing number of card and road accidents, car insurance has become essential for every car owner. With this car insurance policy, it is easier to secure yourself against any hassle arising from a road accident causing any legal or financial liability. You can browse through this page to know more about TATA AIG Car Insurance policy in detail.
|Features||Coverage and Benefits|
|Third Party Coverage||Up to 7.5 Lacs|
|Incurred Claim Ratio (ICR)||79.31%|
|Personal Accident Insurance||Yes|
|Network Workshops||3000+ across India|
|No Claim Discount||Yes|
TATA AIG Car Insurance includes both comprehensive and third-party coverage.
TATA AIG Car Insurance has numerous benefits to offer to its customers. Let’s take a look at some of the benefits offered:
TATA AIG Car Insurance sum insured is fixed by the insurer and is payable to the policyholder for claims arising due to theft, loss or total loss of the vehicle. Simply put, IDV is the present market value of the insured vehicle.
The depreciation computed on the car for constructive total loss claims will be as follows:
|Car Age||Depreciation Value|
|Up to 6 months||10%|
|1 to 2 yrs.||20%|
|2 to 3 yrs.||30%|
|3 to 4 yrs.||40%|
|4 to 5 yrs.||50%|
For cars older than 5 years or obsolete models, IDV can be decided between the policyholder and the insurer
The plan also offers add-on coverage under which the policy takes care of the eventualities that are not covered under the basic policy. Let’s take a look at the add-on covers offered by the policy to enhance the basic coverage:
Under the option of NCB protection, the insured can make claim for losses like total vehicle theft, replacement or repair of windshield glass, accessories and also for the total loss of the vehicle. The NCB protection coverage takes care of the first two claims made by the insured. However, this option is not applicable to the vehicles that are older than 3 years.
|Add-On Bundles||Benefits of the Plans|
|Gold Add-On Plan||
|Pearl Add-On Plan||
|Pearl Plus Add-On Plan||
|Titanium Add-On Plan||
|Platinum Add-On Plan||
TATA AIG Third Party Liability Insurance Policy protects the vehicle owner from the risk and the damage arising due to third-party damages in case of an accident resulting in third-party injury, death and 3rd party property damage.
There are certain conditions or situations where the payment will not be made under any TATA AIG car insurance plans that can be summarized as follows:
Under this Tata AIG Car Insurance policy, own damage discounts are given:
Let’s discuss all the plans in detail:
TATA AIG recognizes the monetary loss that happens to an individual in case of any accidental damage or collision or theft. Therefore, to cope up with the loss, the insurer has come with their Private Car Insurance Plan named as Auto Secure.
All car owners are eligible to apply under this plan.
TATA AIG Car Insurance also covers the commercial vehicles against third party damages including the loss or damage caused to the vehicle.
This TATA AIG Motor Insurance plan covers the loss arising out of the following
All car owners who own light or heavy commercial vehicle are eligible to buy this plan.
Claims / Queries / Grievances can be filed through the Following Ways
It’s a TATA AIG Car Insurance policy where the second hand cars or the used cars are also provided coverage.
The TATA AIG General Insurance Company will pay the compensation of personal accident from injury/ death for the owner driver for all the vehicles registered under an individual’s name. The compensation provided is as follows:
TATA AIG Car Insurance plans have the following stages in a claim:
Online transactions save us plenty of time and effort, thus making our lives easier. The technological advancements have made purchasing products and services, a quick and hassle-free procedure. Renewing TATA AIG car insurance can easily be done online from the comfort of your home.
Just like purchasing car insurance is important, renewing car insurance policy before its due date is equally important. It makes sure that you along with your vehicle are safeguarded from various risks that you are exposed to while driving a car.
The process of your TATA AIG car insurance renewal has made car insurance renewal process very easy. Gone are the days when you had to visit TATA AIG branch office, stand in long queues, fill up the TATA AIG Car Insurance renewal form and make the insurance payment. In a matter of few seconds, you can renew your policy online.
It is very easy, simple and convenient to renew your TATA AIG car insurance plan. Before you start this renewal process, keep your car insurance policy related information handy. There are two ways to renew your insurance plans online which are mentioned below:
Log on to TATA AIG Insurance website and click on the car insurance tab. You'll be redirected to a page, click on the option - 'Renew Existing Policy'. Once you've clicked on that, you'll be redirected to 'Renew Online' tab.
The new page will be opened and you will be asked to fill your existing TATA AIG car insurance policy details. The first field will ask you to enter your existing car insurance policy number. There will be several fields where you need to enter the following details to initiate your TATA AIG car insurance renewal:
In addition to these details, you need to fill the information related to your source of income - salary, business, or any other source. Also, you need to provide your contact information such as your email address, mobile number, so that the renewal process can be finished.
You can go ahead with the first option but if you want to save money on your car insurance renewal premium, you can compare premium on Policy Bazaar’s website and opt for the one that offers you maximum saving.
TATA AIG provides online purchase of car insurance plans and the reasons why one should avail the same can be summed up as follows:
So online insurance plans for the car, be it purchase of insurance plans or renewal of insurance plans, all become much more user-friendly and customer focused. So online insurance plans for the car, be it purchase of insurance plans or renewal of insurance plans, all becomes much more user friendly and customer focused.
Q1. How is IDV for Tata AIG car insurance policy calculated?
Tata AIG calculates Insured Declared Value (IDV) on the basis of age, model, and brand of a vehicle. The registration and insurance costs are excluded from IDV. As the car grows old, its IDV also depreciates. To calculate IDV, Tata AIG 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. Can I pay the premium of Tata AIG car insurance in installments?
The Insurance Act, 1938 doesn’t allow you to pay your car insurance premium in installments. If you buy Tata AIG Car Insurance policy online, you can use the credit card to make the entire payment and then repay it to the credit card company in installments.
Q3. What are the risks covered under Tata AIG’s comprehensive policy?
Besides offering coverage against third-party liability, Tata AIG’s comprehensive policy covers the insured vehicle against various losses or damages such as:-
Q4. Can I get cashless facility with Tata AIG Car Insurance?
Yes, cashless facility is available with Tata AIG Car Insurance.
Q5. What is the range of fuel support given under Tata AIG Car Insurance?
If the insured vehicle runs out of fuel and hence is immobilized, Tata AIG Car Insurance will give an emergency fuel up to 5 liters on a chargeable basis at the location of breakdown.
Q6. Does Tata AIG Car Insurance offers NCB protection cover?
Yes, there is an NCB protection cover available under Tata AIG Car Insurance Plan. If you get plastics, rubber or fiber part repaired at the authorized center of Tata, it will not affect your NCB. However, this coverage is available up to 1 claim only.
Q7. I have lost my original document of Tata AIG car insurance policy; can I get the duplicate copy?
Yes, contact the nearest branch with a written request. A nominal fee is charged for issuing a duplicate copy of the Tata AIG car insurance policy.
Q8. Does Tata AIG Motor Insurance offers roadside assistance services?
The roadside assistance of Tata AIG Car Insurance can be broadly classified under the following heads:-
Q9. Under TATA AIG Car insurance policy, what is the maximum limit of personal belongings cover?
Rs. 10,000 is the maximum limit to loss of personal belongings cover.
Q10. Does personal belonging cover includes loss of cash?
No, cash is not covered under personal belongings cover.
Q11. How do I renew my Tata AIG Car Insurance Policy?
Renewing your car insurance policy is very convenient. You can do so in three simple methods mentioned below.
If your car insurance policy has lapsed, it can’t be renewed without an inspection. Within 90 days from the expiry date of the policy, you can place your inspection request and renewal on their toll-free number.
In case the expiry date has exceeded more than 90 days, you need to apply for a fresh car insurance plan.
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