Tata AIG Zero Depreciation Bike Insurance Policy

Zero Depreciation cover under TATA AIG bike insurance is one of the popular add-on covers in the market. With Tata AIG Zero Depreciation Bike Insurance Policy, you save on your pocket by covering the depreciation. With a cover like this, you can get the full claim amount.  Zero depreciation bike insurance Tata AIG helps in protecting the bike regardless of annual depreciation in the value of the parts and also pays for the whole claim amount; thereby it limits your pocket expenses too.

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You can buy this insurance online or can visit the nearby branch.

Benefits of Tata AIG Zero Depreciation Bike Insurance Policy

There are various benefits of having a Tata AIG Zero Depreciation Bike Insurance Policy. This includes the following:

  • You can cut down the expenses.
  • The depreciation charges are not levied on the bike while calculating the insurance claim.
  • It helps the policyholder to save money at the time of need.
  • The full amount is paid by the Tata AIG General Insurance Company Ltd.
  • The zero depreciation add-on is available at an affordable price.
  • It covers the total loss and damages
  • There is less burden on the policyholder when he/she files a claim
  • It offers maximum coverage on plastic parts and repairs
  • It allows quick settlement of claims.

Claim Process of the Tata AIG Zero Depreciation Bike Insurance Policy

The bike insurance claim settlement is an important process because here the policyholder appeals for offering compensation for damages or expenses incurred on the insured vehicle due to an unfortunate incident.

The insurer offers two types of claim settlement for the Zero Depreciation Bike Insurance Policy. It includes:

  • Reimbursement Claim: When you take your bike for repairs in a garage other than the ones authorized by the Tata AIG General Insurance Company Ltd., then you have to opt for the reimbursement claim process. Under such a process, you will have to pay for the repairs and damages at your choice of garage, after which you can raise a claim with the insurer for the reimbursement of  the expenses. Once the claim is verified by the company, the whole claim amount is reimbursed to you.
  • Cashless Claim: When the repair services are done at an authorized garage, one can opt for cashless services where nothing has to be paid by the insured. The company can make the payment directly to the garage as per their policy norms. Moreover, you have taken the zero depreciation plans, so you don’t have to pay any depreciation deductible even out of your pocket.

Claim Documents Required

You have to submit the following documents to the insurance company for claiming the insurance:

  • Your insurance policy
  • Claim form which has to be signed and filled
  • Your driving license
  • RC of your bike
  • FIR in case of injury to third party liability
  • PUC certificate
  • In case of reimbursement claim, original bills, and receipts of repairs
  • PAN card copy etc.

How to Buy TATA AIG Zero Depreciation Bike Insurance?

For buying the zero dep cover Tata AIG bike insurance online, you have to fulfill certain documentation like your vehicle details and your details. The best part is that all the policy-related documents are also sent to you in the email so that you can easily access them without going anywhere.

On the other hand, you can also make the e-payments easily. You can use digital banking that allows you to pay through digital wallets, payment apps, online payment, bank transfer, etc. Buy your insurance policy online and secure the online payment.


  • Q: Is it necessary to file an FIR for claim settlement?

    Ans: An FIR is important in the case where the person has suffered damages on their body or in case of death.
  • Q: What if my bike gets stolen?

    Ans: Don’t stress if you have a two-wheeler insurance policy. You can file a claim at the time of theft too. All you need to do is:
    • File an FIR
    • If your vehicle is not found by the police, then the police will issue a non-traceable report and a NOC by a court of law.
    • Once your NOC is issued, the insurer will start the investigation for your bike from your side. In case, the insurer fails in tracing the bike, they start their process of claim settlement.
    As it is a matter of theft, which is termed as a total loss, the insurer will give you the insured declared value of the bike after taking into account all the deductibles.
  • Q: Can I claim insurance without my driving licence?

    Ans: No, a valid driving licence is important; you have to submit it to the insurance company while claiming the insurance settlement.

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Tata AIG Zero Depreciation Bike Insurance Policy Reviews & Ratings

4.8 / 5 (Based on 36 Reviews)
(Showing Newest 10 reviews)
Bhubaneswar, October 09, 2021
Excellent service
If I talk about my experience with Policybazaar, it has been great so far. It has been a long time since I am using the Tata aig bike plan that I bought from Policybazaar. I have received excellent service since the beginning. Completely satisfied with my plan
Jalandhar, October 09, 2021
Remarkable services
I have received noteworthy services from Policybazaar during the renewal of Tata aig plan which I bought for my bike last year. This was the first renewal so I was not aware of the process. So I took the help of a customer service executive for the renewal.
Kolkata, October 09, 2021
Financial support
Thanks to Policybazaar for giving a great suggestion. i got financial assistance when my bike got damaged. Policybazaar provided me all the facilities, which were promised when I was taking Tata aig Two Wheeler Insurance from here.
Dhanbad, August 18, 2021
Easy to manage
Policy bazaar offered me a great deal for my vehicle. I bought Tata AIG two wheeler policy which was easy to buy online.policy bazaar has easier payment method which is quite good. i liked the proffesionalism and supportive nature in the team. i found easy to manage with the policy bazaar.
Moradabad, June 04, 2021
Comprehensive cover
I recently bought Tata AIG two wheeler insurance after comparing it with five other plans. I was able to do so through policybazaar. Everything went very smoothly and I got comprehensive coverage for me and my bike. Thank you Tata AIG and policybazaar.
Hardoi, June 04, 2021
Insurance company change
Last year I changed my two wheeler insurance company to Tata AIG. It was an easy process for getting good benefits and better claim settlement ratio. Thank you policybazaar for assisting.
Jaipur, June 04, 2021
No claim bonus
Three years ago I bought Tata AIG bike insurance plan and I have been renewing it since then. I also received no claim bonus last year. Thank you policybazaar for your easy online services.
J.n.prasad, October 12, 2020
More exposure
I have insured my two wheeler with the help of tata aig two wheeler insurance policy from the policybazaar. I have got to know about different plans and the policies. Thank you policybazaar.
Vadgaon, September 28, 2020
Natural calamities
I have taken the tata aig two wheeler insurance policy from the policybazaar. It has given me the coverage related to natural calamities and other things. Thank you team policybazaar.
Quilandy, September 24, 2020
Best plans
I have recently got the taat aig two wheeler insurance policy from the policybazaar. It is really amazing plan which I got. Thank you team policybazaar.