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TATA AIG Two-Wheeler Insurance

Tata AIG General Insurance Company Limited offers motor, health, home and travel insurance. It was established on January 22nd, 2001 and is a joint venture between Tata group (Indian multinational conglomerate) and AIG or American International Group, Inc. (a multinational insurance corporation).

Award winner of “General Insurer Claims Team of the Year” by Claims Awards Asia 2013.

Since 2001, TATA AIG has made it a goal to provide insurance products so as to meet the needs of their customers. As a result Tata AIG was awarded as the “General Insurer Claims Team of the Year” by Claims Awards Asia 2013. TATA AIG offers a range of insurance products, including health, motor, travel, home, and lifestyle insurance.

Key Features of TATA AIG Two-Wheeler Insurance

  • Instant renewal – Instant paperless renewal
  • Claim settlement – Quick claim settlement
  • Long-term policy - Offers 3 year long-term policy

Key Benefits of TATA AIG Two-Wheeler Insurance

  • Cashless Garage Network - Cashless garage across India
  • Special Add-on covers – Depreciation Allowance, Return Invoice, etc.

TATA AIG Private Two-Wheeler Insurance Coverage

TATA AIG insurance policy for two wheeler covers Own Damage Two Wheeler insurance and Third-party liability insurance, additionally you can also, opt for long-term policy for 3 years which would help you as a two wheeler owner at the time when needed – in case of any accident or mishaps.

Types of coverage

Own Damage: TATA AIG two insurance policy will protect you against any loss or damage to the two wheeler and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Earthquake, flood, typhoon, hurricane, storm, tempest, inundation
  • Cyclone, hailstorm, frost, landslide, rockslide
  • Burglary, theft, riot, strike, malicious act
  • Accident by external means, terrorist activity
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air

Third Party or Liability: This policy is mandatory by the Motor Vehicle Act 1988, it is provided by TATA AIG. This policy is protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Personal Accident Cover: Coverage of 1 lakh for the individual driver of the vehicle while travelling, mounting or dismounting from the Bike. Optional personal accident covers for co-passengers are also available.

Add-on Features of TATA AIG Two-Wheeler Insurance

Depreciation Allowance:

At the time of claim the core policy does not cover the full cost of the bike’s depreciable parts such as rubber, plastic, metal parts, etc. The deducted depreciable cost is borne by the policyholder. To combat this Depreciation Allowance cover helps to save money at the time of claim where the depreciable parts are repaired or replaced completely. The price is paid by TATA AIG.

Specific condition:

This cover is limited to only two claims when the policy is in force.

Return to Invoice:

This cover reimburses the initial road tax and registration amount which is paid for your two wheeler which is insured. If the insured two wheeler undergoes a total loss or damage caused by an accident this cover ensures that you get an invoice price of the two wheeler.

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

In case of theft: “No Trace Report” by police needs to be submitted, confirming the theft of the insured vehicle.

Consumable Expenses Cover:

The cost of consumables (brake oil, nuts, bolts, screws, washers, lubricating oil, etc is not covered in the core policy.

This add-on covers ensures that the costs of replacement or replenishing the consumables is covered at the time claim except tyre(s) and tube(s).

Special Condition:

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

Emergency Medical Expenses Cover:

TATA AIG will pay emergency medical expenses incurred to the owner of the insured vehicle in case of any bodily injury to the policyholder or any passenger/pillion due to the accident or whilst mounting, dismounting, driving or travelling in the insured vehicle.

Additionally, a Reasonable Ambulance Charges incurred will be reimbursed if one had to hire an ambulance to carry the owner or the pillion from the site of accident to the Hospital.

Exclusion:

Any medical expenses related to a sickness, disease or medical disorder which is not directly to accident or physiotherapy treatment. Any medical expenses not supported by an original bill and related prescription. The expense won’t be covered if the treatment is started after 5 days from the date of Accident The amount cannot exceed more than sum-insured as mentioned. Any expense due to the intentional self-injury, suicide or attempted suicide physical defect or infirmity. In case of riding under the influence of any intoxication

For long-term two-wheeler policy:

Personal accident to unnamed pillion other than insured and the paid driver is available with a sum insured of Rs.2,00,000/- Electrical or Electronic fittings: This covers any electronic or electrical fittings which are not in-built with the vehicle can be covered under the roof of this add-on cover.

Discounts Offered by TATA AIG Two-Wheeler Insurance

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

  • No-Claim Bonus: The 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. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.
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%
  • Other Discounts: TATA AIG General Insurance offers other discounts provided you are a member of any recognized Automobile Association of India

Exclusions of TATA AIG Two-Wheeler Insurance

  • A policy cannot be bought if the two wheeler is imported
  • Mechanical/ Electrical breakdown
  • Wear and tear, ageing of vehicle
  • Depreciation
  • Deliberate accidental loss
  • Intoxicated driving
  • Consequential loss
  • Damage to/ by a person driving any vehicle without a valid license

How to Claim for TATA AIG Two-Wheeler 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 26, 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:

  1. The first things to make a claim is to call on TATA AIG General Insurance’s Toll-Free Helpline number - 1800-266-7780
  2. 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

  3. Company confirms liability

  4. If possible, opt for cashless garage facility, the company will settle the repair bills directly with the garage up to the amount payable

  5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

  6. Vehicle Delivery

Review of TATA AIG Two-Wheeler Insurance

TATA AIG a trust that is backed with by quality service and quick solutions. The two wheeler insurance policy of TATA AIG provides comprehensive coverage to protect your vehicle in case of any accident or damage. With goodwill of the company standing by your side you should consider TATA AIG for your two wheeler insurance.

FAQs on TATA AIG

Why should I buy my Tata AIG Two-wheeler insurance online?

The benefits offered by the online and offline term plans by Tata AIG Two-wheeler Insurance Company are no different. However, the plans bought online are much cheaper that those bought offline due to some of the reasons mentioned below:

  • Buying a two-wheeler insurance policy online is quick, hassle-free, and convenient.
  • You can access the policy document which is saved in your inbox
  • You get timely reminders for renewals
  • Costs such as distribution, paperwork, commission are all saved by the insurance companies if you buy a two-wheeler insurance plan online. Such benefits are further passed on to the customers by reducing the premium costs.
  • There is less physical movement if you go online to buy a two-wheeler insurance plan. For instance, if you visit any branch of Tata AIG Two-wheeler Insurance Company to buy a plan, you will have to fill the form physically which further travels to the local hubs, post which the policies are underwritten.

Then there would be a decision taken whether the policy would be approved or denied. If you buy a policy online, the rules are applied as you fill the details and most of the times the screening happens then and there. These savings are further transferred to the customers by offering a lower premium.

Is a single year two-wheeler insurance plan offered by Tata AIG better than a long-term two-wheeler insurance plan?

A multi-year or a long-term two-wheeler insurance plan wins the race than the single-year two-wheeler insurance offered by Tata AIG. Because opting for a long-term two-wheeler insurance plan would offer you peace, convenience and no-stress. You can save on your premiums, skip the paperwork, and reduce the hassles. The added advantage is you avoid the gap in coverage since you are insured for a long period!

Why should I insure my two-wheeler with Tata AIG Two-wheeler insurance?

Tata AIG offers the below benefits which makes it important to insure it:

  • Offers coverage for any damages/losses caused to the third party.
  • Offers comprehensive coverage for your own two-wheeler.
  • Offers Coverage up to the insured declared value in case of theft or
  • Benefits of cashless transactions through network garages.

Will I be eligible for the NCB, if my Tata AIG’s two-wheeler insurance policy is expired?

Yes, you can certainly avail the benefit of NCB on the expired policy, if you renew your two-wheeler insurance within 90 days of expiration.

If my two-wheeler gets robbed, what amount would Tata AIG get me?

You can claim the entire Insured Declared Value (IDV) in case of theft of your two-wheeler. Remember, IDV is always calculated basis the age of your two-wheeler, engine capacity, and geographical locations. The higher the IDV, higher would be the premium too.

Tata Aig Two-Wheeler Insurance