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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. With TATA AIG, they can invest in 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.

Key Features of TATA AIG Car Insurance

  • Instant renewal – Hassle-free instant paperless renewal

  • Claim settlement - Quick and hassle free claim settlement

  • 24*7 Claim Assistance

Key Benefits of TATA AIG Car Insurance

  • Cashless Garage Network - 3800+ cashless garage across India
  • Special Add-on covers - Depreciation reimbursement, NCB Protection, Engine Secure, Return to invoice, Daily allowance, Road Side Assistance, Courtesy / Hire Car, etc.

TATA AIG Private Car Insurance Coverage

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

Add-on Features of TATA AIG Car Insurance

Depreciation Re-imbursement Cover

TATA AIG will pay you the amount of depreciation deducted on the value of depreciable car parts, such as , rubber, plastic, metal, nylon, etc. if replaced or repaired under own damage claim of the policy. TATA AIG will pay for the first 2 claims reported during the policy period. Special Condition: Provided all the repairs are done at TATA AIG authorized garage.

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. For first “no-claim” year you get 20% discount on the premium to be paid for the second year. This is cumulative and thus, keeps on increasing with 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 insurance from TATA AIG.

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 Secure Cover

TATA AIG 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, gear box 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.

Tyre Secure Cover

TATA AIG will covers the incurred cost for repair, replacement of tube(s) and tyre(s) as per the requirement due to the accidental loss or damage to tyres and tubes.

The replacement of tyre shall be allowed on the criteria that the replaced is of the same make and specification. In case similar type of tyre is not available, the cost of the replaced tyre should not be higher or of superior quality than the original one. Maximum of 4 (four) replacements will be allowed during the Period of Insurance. This add-on does not cover:

  • Natural wear & tear

  • Any loss or damage within first 15 days of inception of the policy

  • Any loss or damage occurred prior to inception of the policy

  • Any loss or damage resulting in to total loss of vehicle

  • Routine maintenance including adjustment, alignment, balancing or rotation of wheels/tyres/tubes.

  • Loss or damage to wheel accessories, any other part or rim

  • Theft of tyre(s)/tube(s) or its parts accessories without vehicle being stolen or theft of entire vehicle

Special Condition:

Provided the repairs are done at the authorized garage.

Key Replacement Cover

Key Replacement – 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.

Road Side 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. Some of the benefits are as follows: 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) 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.

Courtesy/Hire car

This cover reduces the inconvenience that may arise if the car is in garage for repair for more than 24 hours or in case of theft. Under this cover, TATA AIG will pay the cost of a hire vehicle for 8 hours or 80 km whichever is lesser.

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.

  • Courtesy/hire vehicle will arrive within 24 hrs of intimation and by no means will the hired vehicle be the exact replacement of the insured vehicle, in terms of size, make model, etc.

  • If the hired hire vehicle is not available, TATA AIG will pay the travel cost.

  • Applicable only when the repair is done at authorized garage.

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.

Loss of Personal Belongings

This covers the cost for the loss or damage to the personal belongings kept inside the insured vehicle at the time of any perils mentioned under Own Damage section of the policy wordings or due to an accident. Personal belongings for the purpose of this section means items such as clothes and other articles of personal nature likely to be worn, used or Special conditions:

  • Few things are not covered - money, securities, cheques, bank drafts, credit or debit cards, jewellery, lens, glasses, travel tickets, watches, valuables, manuscripts, paintings and other similar items.

  • Any goods or samples carried in connections with any trade or business is not covered.

  • The policyholder will have to bear Rs. 250 of each and every claim under this section.

Repair Glass, Fiber, Plastic & Rubber Parts

A claim only for glass/plastic/rubber/fiber part provided only repair is done and no replacement, at an authorised workshops, dealers or service stations of TATA AIG. Only repair and no replacement are included under this facility.

Additionally, it will not affect the No Claim Bonus eligibility at the time of policy renewal provided the number of such claim does not exceed more than one and there is no other claim for own damage to the vehicle during the period of insurance.

Special conditions: Cost of painting of these parts without any repair is not covered.

Eligibility for TATA AIG car Insurance

Any individual who has registered his/her vehicle with the Regional Transport Authority in India under his/her name is eligible for purchasing a car insurance from TATA AIG.

Discounts Offered by TATA AIG Car Insurance

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.

    For the first year, a discount of 20% on the second year’s premium will be offered on not making a claim in the first year. The discount rate increases every policy year, as per the table below.

No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • Voluntary discounts:

    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

Exclusions of TATA AIG Car Insurance

  • 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 of TATA AIG Car Insurance

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 Accident

  • 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 Theft

  • 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

Review of TATA AIG Car Insurance

TATA AIG a trust that is backed with more than 3,800 garage network, quality service and quick solutions. The two wheeler insurance policy of TATA AIG provides comprehensive coverage to protect your car in case of any accident or damage. Along with the add-on covers that widen the scope of the policy, the extraordinary goodwill of TATA AIG as an insurance company, should be a sure consideration factor for your car insurance.

FAQs on TATA AIG Car Insurance

Can I transfer my No Claim Bonus if I want to switch over to another insurance company?

Yes, you can make the most of the benefits of your No Claim Bonus when you switch over to another insurance company. In such cases, the applicate rate of discount remains constant, if you can show proof that you are eligible for No Claim Bonus from your previous insurer on the last policy year. This proof can be in the form of a confirmation letter from your previous insurer or through a renewal notice.

My car insurance from TATA AIG has to be renewed. How can I initiate the renewal process?

You can initiate the renewal process through one of these ways:

  • Cheque pickup – You may opt for the free cheque pickup facility by calling on their Toll Free number – 1800-266-7780
  • Online – Debit/Credit card or Net Banking
  • Payment through IVR – This, too, can be initiated by calling on our Toll Free – 1800-266-7780

In case your TATA AIG car insurance has already expired, you can request for the renewal of the policy within a maximum of 90 days from its expiry by calling on their Toll Free number or by visiting any of their branches.

What is the claim procedure? How much time does it take for claim settlement?

You can make a claim settlement by calling TATA AIG’s Toll Free number on 1800-266-7780 or sending them an SMS by typing ‘claims’ and sending it to 5616181. You will receive a call back from the insurance company within an hour. It takes TATA AIG a maximum of 7 days to complete the claim settlement process, after you have furnished all the required documents.

Does TATA AIG have direct settlement facility on car insurance policies?

Policyholders of car insurance from TATA AIG can avail the direct settlement facility when they get the insured vehicle repaired from an authorized garage or dealer or service station of the insurance company.

How can I alter the Insured Declared Value (IDV) of my vehicle that is insured by TATA AIG car insurance?

You can change the Insured Declared Value (IDV) of your vehicle can be changed to up to 10% only at the time of renewal of car insurance from TATA AIG. Policyholders can call on their Toll Free number 1800-266-7780 to initiate the request for the same.

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