TATA AIG General Insurance Company Limited offers car insurance that protects private car owners against accidents, theft, natural calamities, and third-party liabilities. It is an IRDAI-registered insurer (Reg. No. 108) known for its reliable and customer-centric motor insurance solutions. The car insurance plans come with flexible coverage options, multiple add-ons, and access to 10,000+ cashless garages across India for seamless repairs. With a digital-first approach, TATA AIG ensures quick policy purchase, renewal, and a hassle-free claims experience.
TATA AIG General Insurance Company Limited was established in 2001 as a joint venture between the Tata Group and American International Group (AIG), combining strong Indian trust with global insurance expertise. The company is registered with the Insurance Regulatory and Development Authority of India (IRDAI) under Registration No. 108, authorising it to operate as a general insurer in India.
| Feature | Details |
|---|---|
| Cashless Garage Network | 10,000+ network garages across India for hassle-free repairs |
| Coverage Options | Third-party and comprehensive plans covering own damage and liabilities |
| Personal Accident Cover | ₹15 lakh PA cover for owner-driver as per IRDAI guidelines |
| Add-ons Available | 8+ add-ons, including zero dep, engine protect, roadside assistance, and consumables |
| Zero Depreciation Benefit | Up to 2 zero depreciation claims during policy tenure (as per plan terms) |
| Claims Allowed | Unlimited claims allowed during the policy period (subject to terms) |
| Digital Experience | Easy online purchase, renewal, and policy management |
| Claim Process | Quick and paperless claim process with digital support |
| No Claim Bonus (NCB) | Discount on premium for claim-free years |
| Customer Support | 24x7 assistance for claims and policy-related queries |
TATA AIG General Insurance Company Limited offers multiple car insurance options tailored to different customer needs and usage patterns:
This policy covers legal liabilities arising from injury, death, or property damage caused to a third party. It is mandatory under Indian motor insurance regulations.
Designed to cover damages to your insured vehicle due to accidents, fire, theft, or natural calamities. This policy is applicable when you already have an active third-party policy.
An all-inclusive policy that combines third-party liability and own damage cover. It offers broader protection against accidents, theft, man-made events, and natural disasters, with the option to enhance coverage through add-ons.
Provides extended-duration coverage (typically 3 years for third-party liability), helping policyholders stay compliant with legal requirements while avoiding annual renewals.
A flexible insurance model where premiums are linked to vehicle usage. Ideal for low-mileage users, this policy allows customers to optimise costs based on how much they drive.
Accidental damage to the insured vehicle due to collision or external impact
Loss or damage due to theft or burglary, including attempted theft
Damage caused by fire, explosion, self-ignition, or lightning
Coverage against natural calamities such as flood, cyclone, storm, earthquake, and landslide
Protection from man-made calamities including riots, strikes, malicious acts, and terrorism
Transit damages while the vehicle is being transported via road, rail, air, or waterways
Third-party liability for injury, death, or property damage caused to others
Personal accident cover of ₹15 lakh for the owner-driver in case of death or disability
Normal wear and tear, depreciation, and ageing of vehicle parts
Mechanical or electrical breakdowns not caused by an accident
Driving under the influence of alcohol or drugs
Driving without a valid driving licence
Use of the vehicle for illegal or unauthorised purposes
Consequential losses or indirect damages arising from an incident
Damages due to war, invasion, or nuclear risks
Any exclusions specifically mentioned in the policy document or add-on terms
TATA AIG General Insurance Company Limited offers a set of optional add-on covers under its private car package policy that extend protection beyond standard coverage. These add-ons are designed as per insurer-specific policy wordings and conditions:
Waives depreciation deductions on specified parts such as plastic, fibre, and rubber components, enabling higher claim settlement as per policy terms
Covers consequential damage to the engine and gearbox due to water ingression, lubricating oil leakage, or hydrostatic lock, which are otherwise excluded under base policy
In case of total loss or constructive total loss, compensates the invoice value of the vehicle including registration charges and road tax, subject to conditions
Allows retention of accumulated NCB even after a limited number of claims during the policy period, as defined in the policy wording
Covers the cost of consumables such as engine oil, coolant, nuts, bolts, screws, grease, and other items that are otherwise not payable in a standard claim
Provides emergency assistance services including towing, battery jump-start, flat tyre support, fuel delivery, and minor on-site repairs, as per service scope
Covers the cost of replacing lost or stolen keys and, if required, the associated lock-set replacement expenses
Covers repair or replacement of tyres damaged due to accidental cuts, bulges, or bursts, subject to tread depth and usage conditions
Provides a fixed daily compensation for alternative transport when the insured vehicle is under repair for a specified duration
Buying or renewing TATA AIG General Insurance Company Limited car insurance through Coverfox is simple and completely digital. Follow these steps:
Visit the Coverfox website and enter your car registration number or basic vehicle details such as model, fuel type, and registration city
Provide your mobile number and policy status (expired or active) to view available insurance quotes
Compare TATA AIG plans with other insurers based on premium, coverage, and features, and select the plan that best suits your needs
Customise your policy by selecting add-ons such as zero depreciation, engine protection, or roadside assistance
Make a secure online payment using debit card, credit card, net banking, or wallet to instantly issue or renew your policy
Receive your policy document instantly via email, with the entire process typically completed within minutes
TATA AIG has a wide network of 10,000+ cashless garages across India, ensuring convenient and hassle-free vehicle repairs without upfront payment.
These authorised garages are spread across major cities and towns, allowing policyholders to easily access quality repair services and seamless claim settlement.
You can easily locate the nearest garage using the official locator tool:
Find TATA AIG Cashless Garages
Visit the TATA AIG garage locator page
Enter your city/location
Select your car make and model
Click on Search to view the list of nearby network garages
Choose the most convenient garage based on location and details shown
1800-267-6115
022-6489-8282
+91-9136160375
customersupport@tataaig.com
Disclaimer: * Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.
Yes, TATA AIG General Insurance Company Limited offers cashless claim facilities through its network of 10,000+ garages across India, allowing repairs without upfront payment.
Yes, you can enhance your policy with multiple add-ons such as zero depreciation, engine secure, roadside assistance, and more.
Yes, TATA AIG provides car insurance for electric vehicles with coverage similar to conventional cars, along with relevant add-ons.
Claim settlement timelines vary based on the case, but TATA AIG aims for quick processing through its digital-first claims system and network garages.
Yes, TATA AIG offers usage-based insurance options where premiums are linked to vehicle usage or kilometres driven.
TATA AIG has a network of 10,000+ cashless garages across India.
Roadside assistance is available as an optional add-on and is not included in the base policy.
Yes, damages due to natural calamities like floods are covered under comprehensive plans; however, engine damage due to water ingress is covered only if the Engine Secure add-on is opted for.
No, such damages are typically excluded unless covered under the Engine Secure add-on.
Yes, you can transfer your accumulated NCB when switching to TATA AIG from another insurer.
Yes, electrical and non-electrical accessories can be covered if declared and included in the policy.
Yes, inspection may be required if the policy has expired, depending on the duration and insurer guidelines.
Consumables are not covered under the base policy but can be included through the Consumables add-on.
Yes, TATA AIG allows customers to track claim status online through its website or mobile app.
Yes, Return to Invoice is available as an add-on, covering the invoice value in case of total loss or theft.
Yes, a ₹15 lakh personal accident cover for the owner-driver is mandatory as per IRDAI regulations.
Yes, you can cancel the policy and receive a refund as per short-period or pro-rata rules, subject to policy terms and conditions.
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