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Tata Car Insurance: Discounts, Exclusions & Review

Tata AIG General Insurance Company (IRDA Reg. No. 108), a joint venture between Tata Group and American International Group (AIG), began its Indian operation on January 22, 2001. The company offers array of general insurance products for individuals and businesses backed by professional expertise. Strong believer in core values like Performance, Integrity, Passion and Empathy, Tata AIG has created a niche for itself in the insurance segment.

Tata AIG fully understands the need for your car’s financial protection and hence offers plan that is well designed to tackle any loss or damage caused to your own car or any third party involved.

TATA AIG Auto Secure Private Car Package Policy proposes complete reassurance and peace of mind for a secure future.

What’s on Offer?

Tata AIG Insurance offers comprehensive coverage for -

  • Third Party Personal Liability covers you against:
    • Legal liability due to permanent injury and / or death of a third party
    • Legal liability due to damage to a third party's property
  • Own Damage Cover protects against the loss due to:
    • Loss or damage to your own vehicle in accident
    • Loss or damage due to natural (fire, earthquake, etc.) or manmade calamities (burglary or theft)
  • Personal Accident Cover for Owner-Driver provides adequate financial protection in case of Permanent Total Disability (PTD), death and cost of hospitalization due to a car accident.

Significant Add-on Covers

To supplement the coverage offered by the basic car insurance policy, Tata AIG offers add-on features at additional premium. Below are listed few:

  • Depreciation Cover: This add-on entitles you to claim the entire amount for the replacement of damaged parts of your car including plastic, fibre, etc.

  • Daily Allowance: In case your car is damaged, Tata AIG will pay you Daily Allowance to enable you to meet the cost of hired transport to reduce your inconvenience.

  • Return to Invoice: Under this cover, you will be paid the shortfall of the financial difference of the actual claim amount and the purchase price.

  • No Claim Bonus Protection Cover: This cover enables you to retain your No Claim Bonus in spite of making claim, which otherwise would have lost.

  • Loss of Personal Belongings: Tata AIG would reimburse the loss of any of your personal belongings like laptop, music system from your insured car.

Any Discounts on Offer?

Tata AIG car insurance offers certain discounts that can radically trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on the number of consecutive claim free years.

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, invites extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Major Exclusions

While Tata AIG Car insurance policy is designed to provide adequate coverage against any ill-fated eventualities, there are certain scenarios that are excluded from the coverage. Below are listed few:

  • Mechanical Breakdown,
  • Consequential loss,
  • Depreciation,
  • Wear and tear,
  • Any contractual liability,
  • Intoxicated driving,
  • Deliberate accidental loss,
  • Damage due to nuclear weapons and war.

How to Claim?

  • Intimate the claim on Tata AIG’s Helpline 1800-266-7780.

  • For cashless service, you need to get your car repaired at a garage within the network of Tata AIG .

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company. Simultaneously, for detailed procedures to follow for claims, please refer policy wordings.

Coverfox Review

With amazing facilities like free pick up of your car and enhanced protection through their 12 significant add-on covers, Tata AIG car insurance plan is surely one to beat. They boast of settling claims in 7 days which is a remarkable achievement in insurance segment considering the number of claims raised. If you are looking for quality and consistent post-sale service clubbed with a dependable brand name like Tata’s, you are at the right place. Go for it!

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Understand all the benefits of TATA Car Insurance Policies

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