Tata AIG Standalone Own Damage Car Insurance

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Tata Aig Standalone Own Damage Car Insurance
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  • Plan starting @ ₹ 2094#

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      Tata AIG Standalone Own Damage Car Insurance

      Tata AIG own damage car insurance comes to the rescue when your car meets with unforeseen incidents on the road. This plan by Tata AIG General Insurance Company aims to compensate a policyholder specifically for the damages his/her car sustains due to events like road accidents, theft, fire, etc. It can be purchased as a standalone plan when you already have a third-party car insurance policy.

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      Key Features of Tata AIG Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Upto 50%
      Add-on Covers Offered
      Zero Depreciation cover Offered
      PA Cover Upto Rs. 15 Lakhs

      Coverage Under Tata AIG Standalone Own Damage Car Insurance

      • Losses to the insured car arising out of fire, explosion or lightning
      • Man Made damages to the insured vehicle, such as riots, strikes or terrorist activity
      • Damages sustained by the insured car as a result of natural calamities like earthquakes, typhoons, hurricanes, etc
      • Damages sustained by the insured vehicle while it was in transit via road, rail, water or air
      • Any external damages arising out of events like accidents or collisions are also covered in the four-wheeler insurance policy coverage
      • Total loss of the insured car due to theft, burglary or housebreaking
      • Liabilities to the third party arising out of the insured car. For instance, third-party death, injury or property damage are not covered in the own damage car insurance plan
      • Accidental damages sustained by the insured car when the driver was not carrying a valid driving license
      • Damages arising outside the geographical area, as mentioned in the policy wordings
      • Consequential losses are also not covered under the plan
      • Claims cannot be raised for damages sustained by the insured car if being used for commercial purposes

      Add-ons Under Tata AIG Standalone Own Damage Car Insurance

      Additional covers can also be opted along with a Tata AIG own damage policy to enhance its coverage. A policyholder can purchase these add-ons by paying an additional premium. 

      These include:

      • Depreciation Reimbursement Cover
      • Daily Allowance
      • Return to Invoice Cover
      • NCB Protection Cover
      • Loss of Personal Belongings
      • Engine Secure 
      • Consumables Cover
      • Roadside Assistance Cover

      How to Buy Tata AIG Standalone Own Damage Car Insurance Policy?

      Policyholders can purchase Tata AIG car insurance online from Policybazaar Insurance Brokers Private Limited. All you need to do is visit Policybazaar.com and follow these steps:

      • From the homepage, select the “Car Insurance” option
      • Enter your car number and proceed further
      • From the given list of RTOs, choose your car’s RTO state and city
      • Choose the make, model, variant and registration year of your four-wheeler
      • You will now see a list of own damage car insurance plans to choose from
      • Find the Tata AIG OD plan from the list of plans and verify its policy details
      • Select additional covers from the “Add-ons and Accessories” dropdown
      • Finally, select the plan and pay the premium amount on the next page
      • Once paid, your car insurance policy will be issued and mailed to your email address

      Documents Required to Raise Tata AIG Standalone Own Damage Claim

      You must also submit certain documents to the insurer while raising a Tata AIG own damage car insurance claim. These documents include the following:

      • Car insurance policy documents
      • Copy of driver’s driving license
      • Copy of car’s Registration Certificate
      • Copy of Police FIR
      • Repair bills and receipts of repairs
      • KYC documents

      FAQs

      • Q1. Are there any documents required for own damage car insurance renewal?

        Ans: No, you will not need any documents to renew own damage car insurance online from Policybazaar.com. Simply enter your car number on our renewal page, select the desired OD plan and purchase the plan by paying the required premium online.

      • Q2. What is the difference between own damage and third-party insurance?

        Ans: An own damage motor insurance policy is designed to financially cover an insured car if it meets an unforeseen incident such as a road accident, calamity, etc.

        On the other hand, third-party car insurance is a mandatory policy that covers third-party liabilities, like third person death, injury and property damage caused due to the insured car.

      • Q3. How to claim Tata AIG car insurance for own damage in India?

        Ans: Follow these steps to raise a Tata AIG own damage insurance claim with your insurance company:

        • Inform the insurance company as soon as your car meets with an accident
        • The insurance company will send a surveyor to examine the extent of damages sustained by the car
        • Submit the required documents to the surveyor 
        • Once the claim has been verified, the insured car will be sent to the network garage for repairs
        • Once the repairs are complete, the insurer will settle the OD claim directly with the network garage.
      • Q4. How to download Tata AIG OD car insurance policy?

        Ans: To download Tata AIG own damage policy online, you can sign in to your Policybazaar account and download the policy document from the dashboard section of your account.

        Alternatively, you can download your policy copy from the insurance company's official website.

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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.

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