TATA AIG Car Insurance

Taking care of your car should never be a burden on your budget. Hence, it is imperative that car owners invest in car insurance plans that give them the maximum benefit in the times of need. You can invest in TATA AIG car insurance plans that provide a cashless garage network of 3800 garages and benefit from special add on covers such as depreciation reimbursement, NCB protection and a lot more. Car owners are protected against own damage, third party liability as well as have optional covers to choose from.

TATA AIG Private Car Insurance Policy can be tailor-made to insure any private vehicle. TATA AIG Motor Insurance policy covers Own Damage (OD) car insurance and also, third party liability insurance, which eases the financial burden of car owners in case of any accident or mishaps.

Types of coverage.

• Own Damage: This policy covers any damage or loss to the owner’s car due to any of the following things:
• Accident Fire
• Lightening
• Self-Ignition
• Explosion
• Theft, Riots & Strikes and / or Malicious Acts and Terrorism
• Earthquake, Flood Cyclone
• Inundation Transit by Rail, Road, Air, Waterways & Elevator
• Third Party or Liability: This policy has been made mandatory by the Motor Vehicle Act 1988, it is provided by TATA AIG Private Car Insurance Policy that covers any injuries or property damages to the third party.
• Personal Accident Cover: Coverage with a Sum Insured of Rs. 2 lakh for the owner-driver in case of a permanent total disability or an accidental death on a premium of Rs.100.
• Optional Covers:
• Passenger Personal Accident cover: Passenger Personal Accident cover can be availed with 100 Rs/person for a Sum Insured of Rs.2,00,000 for each of the occupants.
• Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver

• No Claim Bonus (NCB) Protection Cover

No Claim Bonus is the discount you can avail pertaining to the condition that you didn’t lodge any claim in the policy period. In the First “no-claim” year you will get 20% discount on the insurance premium to be paid for the second year. This is cumulative and thus, keeps on increasing with the number of “no-claim” years. You can fetch up to 50% of discount for 5 consecutive no-claim years.

Note:

• Standalone windscreen glass or rear, glass or door glasses, sun roof glass, claims will not be considered as a claim.
• Claim of partial theft will not considered as a claim under this cover.
• A claim of a theft for an entire vehicle will not be considered as a claim under this cover, unless the policyholder purchase new car within 90 days and get TATA AIG Car Insurance.

Special condition: More than one Own Damage claim is not applicable.

• Consumable Expenses Cover

TATA AIG will cover expenses for consumables (brake oil, nuts, bolts, screws, washers, lubricating oil, etc except tyres and tubes) and replacement or replenishment arising from an accident or any other perils as mentioned in the Own Damage section of policy wordings.

Special Condition: Provided the repairs are done at a TATA AIG authorized garage.

• Engine Protection Cover

TATA AIG Car Insurance will pay you repair and replacement expenses for the loss or damage to -

• Internal parts of the engine
• Gear Box, Transmission or Differential Assembly

However, the above parts will be covered only if the loss or damage has been caused due to water ingression in the engine or leakage of lubricating oil from engine. TATA AIG will also pay for the lubricating oils or consumables used in the respective assembly i.e. material, which is used up and needs continuous replenishment such as engine oil, gearbox oil etc.

Please Note: TATA AIG shall not indemnify you under this endorsement in respect of-

• Loss or damage covered under manufacturer warranty; this by no way covers loss or repair in case of maintenance or preventive maintenance of car.
• If the policyholder delays to intimate TATA AIG about the same, or delays to remove the insured car from incident location.
• Minor wear and tear of the insured vehicle.

• Key Replacement Cover - TATA AIG will reimburse you for the cost of replacing insured vehicle keys which are lost or stolen. Break-in Protection – TATA AIG will reimburse you for the cost of replacing locks and keys, including labour charges, if the insured vehicle is broken into.

Please note: Costs other than those listed above section are not covered and additionally, the cost to replace keys of vehicles that is not owned for personal use.

• Roadside Assistance Cover - It's a service facilitated to take care of your vehicle and your worries in an unfortunate event of your vehicle meeting with an accident or breakdown. Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Fuel Support (Emergency fuel delivery), Emergency towing assistance, Spare Key Retrieval/Service for key locked inside, Continuation/Return Journey (Taxi Support) etc.

This add-on does not Covers:

• Loss of or damage to luggage or other personal effects that might occur during the services performance. (Check loss of personal belongings cover).
• Vehicles should not be used for the purpose of racing, rallying, motor-sports, or in any instance where the Vehicle is not being used in accordance with applicable laws and regulations.

• Return to Invoice - TATA AIG will pay in case car gets stolen or completely damaged, you get the reimbursement of insured car’s invoice price, including registration charges and road tax.

Special conditions applicable to this benefit:

• a) You are the first registered owner of the motor vehicle
• b) The finance company/bank whose interest is endorsed on the policy must agree in writing.

Special Condition: No Trace Report from the police needs to be submitted, confirming the theft of the insured vehicle, in case of theft claim.

• Daily Allowance - TATA AIG offers reimbursement in case the insured car gets damaged partially, totally or is lost due to theft. However, the repair must be done at the authorized garage to be eligible for claims. The allowance will be decided on the consensus by the policyholder, surveyor and the workshop manager.

Special condition:

• TATA AIG will reimburse the cost of courtesy/hire within 10 days in case of repair and 15 days in case of theft.
• The Daily allowance will not be payable if time required for repair of motor vehicle is up to 3 days.

TATA AIG Car Insurance offers many attractive discounts that the policyholder can avail.

No-Claim Bonus : No-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. The discount rate increases every policy year, as per following:

• One claim-free year = 20%
• Two consecutive claim-free years = 25%
• Three consecutive claim-free years = 35%
• Four consecutive claim-free years = 45%
• Five consecutive claim-free years = 50%

Voluntary deductible/: This discount is offered if you decide to pay the minimum amount of money at the time of claim.

Other Discounts: TATA AIG General Insurance offers other discounts provided you.

• Are a member of any recognized automobile association.
• Install an anti-theft device in your car.

• Any wear-and-tear of the car due to aging.
• Any mechanical and electrical breakdown.
• Private cars used for remuneration purpose is not covered.
• Driving without a valid driving license.
• Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance.
• Loss or damage due to depreciation of the car's value.
• Loss or damage due to war or nuclear risks.
• Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under our motor car insurance.
• Compulsory deductibles - which is the fixed amount that gets deducted at the time of the claim.

Contact Details:

• Website: www.tataaiginsurance.in.
• Email: customersupport@tata-aig.com.
• Toll-Free Number: 1800 266 7780.

Required steps and supporting documents:

• a) In case of Car Accident claim.
• Immediately contact TATA AIG on their toll-free number 1800 266 7780.
• Lodge a claim with duly signed Claim Form.
• Copy of Driving License, RC book, Policy document.
• FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident).
• Original Repair Estimate Bill.
• In case of cashless service, only Invoice receipt.
• In case of reimbursement provide estimate bill, original invoice and payment receipt.
• b) In case of Car Theft Claim.
• Immediately contact TATA AIG on their toll-free number1800 266 7780.
• Lodge the claim with duly signed claim form
• Original keys with Copy of Driving License, RC book, Policy document
• Police FIR copy
• Duly signed Form 28, 29, 30 and Form 35.
• Final confirmation with “No Trace Report” of the insured vehicle from the police.
• c) In case of Third Party Claims.
• Immediately contact TATA AIG on their toll-free number 1800 266 7780.
• Lodge the claim with duly signed claim form.
• Police FIR copy.
• Copy of Driving License, Policy and vehicle’s RC book.
• Step-wise guide to claim:
• The first things to make a claim is to call on TATA AIG General Insurance’s Toll-Free Helpline number - 1800 266 7780.
• Take appointment with the surveyor and take your vehicle to any of TATA AIG General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor.
• Company confirms liability.
• If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable.
• But in case you do not opt for cashless facility, you have to pay for the charges for repair and then submit the bills with claim form to the surveyor/company for settlement.
• Vehicle Delivery