TATA AIG Car Insurance

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.

About TATA AIG General Insurance Company

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.

Key Features of TATA AIG Car Insurance

Types of Car Insurance Policies Offered by TATA AIG

TATA AIG General Insurance Company Limited offers multiple car insurance options tailored to different customer needs and usage patterns:

1. Liability Only Policy (Third-Party Car Insurance)

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.

2. Standalone Own Damage Car Insurance

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.

3. Comprehensive Car Insurance Policy (Auto Secure)

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.

4. Long-Term Motor Insurance Policy

Provides extended-duration coverage (typically 3 years for third-party liability), helping policyholders stay compliant with legal requirements while avoiding annual renewals.

5. Usage-Based Motor Insurance (Pay As You Drive)

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.

What Is Covered Under TATA AIG Car Insurance?

• 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

What Is Not Covered Under TATA AIG Car Insurance?

• 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

Add-On Covers Available with TATA AIG Car Insurance

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:

1. Depreciation Allowance (Zero Depreciation) Cover

Waives depreciation deductions on specified parts such as plastic, fibre, and rubber components, enabling higher claim settlement as per policy terms

2. Engine Secure Cover

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

3. Return to Invoice Cover

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

4. No Claim Bonus Protection Cover

Allows retention of accumulated NCB even after a limited number of claims during the policy period, as defined in the policy wording

5. Consumables Expenses Cover

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

6. Roadside Assistance Cover

Provides emergency assistance services including towing, battery jump-start, flat tyre support, fuel delivery, and minor on-site repairs, as per service scope

7. Key Replacement Cover

Covers the cost of replacing lost or stolen keys and, if required, the associated lock-set replacement expenses

8. Tyre Secure Cover

Covers repair or replacement of tyres damaged due to accidental cuts, bulges, or bursts, subject to tread depth and usage conditions

9. Daily Allowance / Loss of Use Cover

Provides a fixed daily compensation for alternative transport when the insured vehicle is under repair for a specified duration

How to Buy/Renew TATA AIG Car Insurance Online?

Buying or renewing TATA AIG General Insurance Company Limited car insurance through Coverfox is simple and completely digital. Follow these steps:

1. Visit the Coverfox website and enter your car registration number or basic vehicle details such as model, fuel type, and registration city

2. Provide your mobile number and policy status (expired or active) to view available insurance quotes

3. Compare TATA AIG plans with other insurers based on premium, coverage, and features, and select the plan that best suits your needs

4. Customise your policy by selecting add-ons such as zero depreciation, engine protection, or roadside assistance

5. Make a secure online payment using debit card, credit card, net banking, or wallet to instantly issue or renew your policy

6. Receive your policy document instantly via email, with the entire process typically completed within minutes

Cashless Garage Network of TATA AIG

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.

How to Find TATA AIG Cashless Garages

You can easily locate the nearest garage using the official locator tool:

Find TATA AIG Cashless Garages

1. Visit the TATA AIG garage locator page

2. Enter your city/location

3. Select your car make and model

4. Click on Search to view the list of nearby network garages

5. Choose the most convenient garage based on location and details shown

Customer Support & Grievance Redressal of TATA AIG

• Policy Support

1800-267-6115

• Customer Support (24x7 – Charges Apply)

022-6489-8282

• WhatsApp Support

+91-9136160375

• Email Support

customersupport@tataaig.com

Disclaimer: * Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.