Most Trusted 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
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
What is Covered?
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.
What is not Covered?
Drunk Driving or an Invalid Licence
Damages sustained by the car when the driver does not have a valid driving licence or when driving under the influence of alcohol or drugs are not covered.
Consequential Loss
No coverage is offered for damages arising out of consequential losses.
Wear and Tear or Breakdown
Regular wear & tear and damages due to depreciation or mechanical/electrical failures are not covered.
Commercial or Illegal Use
Damages caused due to speed racing, crash testing, etc., or when a private car is used for commercial purposes, are also excluded from the coverage.
War & Nuclear Perils
Damage to the car caused by war-like situations, nuclear peril, or civil war in the country is excluded.
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.
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.
How to Renew Tata AIG Car Insurance?
For car insurance renewal of your TATA AIG policy, follow these simple steps:
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:
Report the Incident:
Report the incident or the loss to the insurance company using their helpline number.
Register Your Claim:
Register the claim with the insurance company and receive a claim intimation number.
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.
Submit the Documents:
Submit the required documents, such as the claim form, to the claim inspector when requested.
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:
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FAQs - Tata AIG Car Insurance
-
How is IDV for a Tata AIG car insurance policy calculated?
The IDV of a car is calculated based on its age, make, model, and engine capacity, among other factors. The registration and insurance costs are excluded from IDV. As the car grows old, its IDV also depreciates. -
What is the range of fuel support given under Tata AIG car insurance?
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. -
Does Tata AIG car insurance offer NCB protection cover?
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. -
How can I get Tata AIG car insurance policy download online?
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. -
Does Tata AIG General Insurance offer roadside assistance services?
Yes, Tata AIG car insurance offers 24/7 Roadside Assistance as an add-on cover under a comprehensive or an own damage plan. With this optional cover, you get round-the-clock emergency services, such as towing, puncture repair, battery jumpstart, minor repairs, etc., in case your car breaks down. -
Under Tata AIG car insurance policy, what is the maximum limit for add-on cover for personal belongings?
Rs. 10,000 is the maximum coverage limit for the loss of personal belongings covered under the Tata AIG car policy. -
How long will Tata car insurance take to settle my claim?
The Tata AIG General Insurance Company settles a car insurance claim request within 30 days. -
How do I renew my Tata AIG car insurance policy if it has expired?
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.
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#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.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##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.
