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.

7500 Cashless garages
Plan starting @ ₹2094^#

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year ^#

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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

Inclusions
Exclusions

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.