Tata AIG Car Insurance
Tata AIG Car Insurance Feature
Claim Settlement Ratio
99%
Network Garages
5400+
Tata AIG Car Insurance Coverage
| Insurance Package | Comprehensive | Third-party Liability |
|---|---|---|
| Expenses on Third Party Vehicles | ||
| Expenses on Own Car Damage | ||
| Burglary / Theft | ||
| Damage Due to Fire | ||
| Damage Due to Natural Disasters | ||
| Personal Accident | ||
| Damages incurred in transit |
Coverage Exclusions
- Damages suffered after driving without a proper license
- If the vehicle is used outside the geographical area i.e. outside India
- Damages caused due to driving under influence of alcohol or drugs
- Ordinary wear and tear due to regular usage and depreciation
- Costs insured towards general maintenance of the vehicle
- Damages caused due to negligence of the driver
- Using a private vehicle for commercial usage
- Damages caused due to speed racing, crash testing, etc.
- Damages caused due to war or war-like situations in the country, and nuclear peril
- Damages covered under a specific add-on when the add-on is not included
- Reimbursement of only 50% cost for the replacement of consumables due to wear and tear
Tata AIG Car Insurance Discount Information
Calculate Your Car No Claim Bonus
| Consecutive claim-free policy tenure | Percentage of markdown on own-damage premium |
|---|---|
| One claim-free period | 20% |
| Two consecutive claim-free periods | 25% |
| Three consecutive claim-free periods | 35% |
| Four consecutive claim-free periods | 45% |
| Five consecutive claim-free periods | 50% |
No-claim bonus is a discount or benefit that insurers give policyholders on policy premiums at the time of policy renewal.
The no-claim bonus discounts accumulate over up to 5 years. When you renew your motor insurance policy, the NCB discounts give you a significantly high waiver on your policy premium, which results in a cheaper vehicle insurance policy for you.
The no-claim bonus discounts accumulate over up to 5 years. When you renew your motor insurance policy, the NCB discounts give you a significantly high waiver on your policy premium, which results in a cheaper vehicle insurance policy for you.
Calculate Your Car Depreciation
| Car’s Age | Depreciation |
|---|---|
| 6 Months | 5% |
| 6 Months – 1 Year | 15% |
| 1 – 2 Years | 20% |
| 2 – 3 Years | 30% |
| 3 – 4 Years | 40% |
| 4 – 5 Years | 50% |
Depreciation is the reduction in the value of an asset. In the context of car insurance, depreciation is the consistent decline in the value of your car’s components as a result of age, usage, normal wear and tear, etc. Therefore, the depreciation accumulated on your car is directly proportional to its age.
Zero Depreciation is a car insurance add-on cover that negates the impact of depreciation in your car insurance policy. Usually, if your car gets damaged, the car insurance claim amount that you can receive accounts for the depreciation accumulated on the car due to age and usage.
Tata AIG Car Insurance Add on Covers
No Claim Bonus Protection
The No Claim Bonus or NCB Protection cover enables the policyholder to file a certain number of car insurance claims during the policy year while retaining the NCB discount. This add-on is useful if you want to file a claim and also protect your NCB discount. However, there is a limit on the number of claims that can be raised with this add-on. The NCB Protection is available only with a comprehensive car insurance policy.
Roadside Assistance
The road-side assistance is an add on that provides round-the-clock breakdown assistance to your insured car and you if the car breaks down in a remote location with no aid nearby. Your insurance provider will send a team to refuel or tow or offer a mechanic’s services in an emergency when contacted.
Daily Allowance
If your car meets with an accident and has to stay in the garage for a long time, the Daily Allowance add-on provides you with an amount for your travels without your car. The amount is payable for 10-15 days, subject to the cause of the four-wheeler insurance claim.
Key Replacement
The key replacement add on covers the cost of replacing your lost car keys in case of the car’s or key’s theft.
Engine Secure
The Engine Secure cover is among the useful add-ons as it protects one of the most expensive parts of your car – the car’s engine. If you stay in a flood-prone area, this add-on helps you file a claim for repairing or replacing the engine without incurring an extra cost. The comprehensive four wheeler insurance policy does not cover your engine’s protection. This add-on is not effective for old car engines that have undergone extensive wear and tear.
Tyre Secure
With this add on, you can cover the repair or replacement of a damaged tyre or the tube. However, this add-on can only protect the financial losses in case of loss or damage to the tyres and tubes in an accident.
Consumables Expenses
With this add-on, we cover the cost of the consumables in your insured car that are lost and have to be replaced due to an accident. Consumables include air conditioner gas, engine oil, gearbox oil, nut & bolt, oil filter and so on. However, the cost of fuel cannot be covered with this add on.
Loss of Personal Belongings
In case of an accident, this add-on helps cover the loss or damage of personal belongings such as clothes, video tapes, audio tapes and CDs. The add on does not cover the loss or damage of belongings such as debit and credit cards, jewellery, money, watches, etc.
Return to Invoice
When you file a claim for the total loss of your car due to theft or complete damage, this add-on helps cover the difference (due to depreciation) in the cost between the purchase price and the compensation amount. Also, if there is a new car of the same make and model in the market, we will reimburse the difference between the claim amount and the cost of the new model. We will also pay for the registration charges and the road tax you have spent on the car.
Zero Depreciation
When you file a claim for damages, zero depreciation or nil depreciation (Depreciation Reimbursement) add-on enables you to be reimbursed for the deducted cost of depreciation on your car’s parts. Hence, you can receive the complete sum insured without the deduction of the depreciation. However, you can avail of this benefit only for the first two claims that are filed. This add on is only applicable for your own-damage car insurance policy or comprehensive car insurance policy.
Tata AIG Car Insurance Flow
How to Buy Tata AIG Car Insurance
- Input the Car Registration Number and select Get Price (new policy) or Renew (existing Tata AIG policy).
- Fill up the car and personal details as prompted by the screen. Also, select the policy coverage and add-ons of your choice.
- You will get an instant car insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.
Simply make the payment and instantly receive your insurance on email in seconds
Documents Required for Insurance Policy Renewal
- Identity proof like Aadhar Card, PAN Card, or Voter Card
- Proof of your residence
- Driving licence
- Recent passport-size photo
- Car registration number
- Pollution check certificate
- Car registration certificate
- Car insurance policy number (existing)
- Debit or credit card information for net banking
How to Claim Tata AIG Car Insurance
After making sure that you and your co-passengers are safe, it is advisable to inform your insurance provider of the incident at the earliest and get your claim registered.
To register your claim online, you need to log in to your Tata AIG online and click on ‘Claim’.
- Once you are redirected to the online claim form, you will need to furnish the following information:
- Your car insurance policy number
- A few personal details, including your name, number and address License details, or the license details of the driver
- A few details regarding the incident
- A copy of the FIR if there was an accident
After your claim is registered with us, we will provide you with a Claim Registration Number. State this number in all your communication concerning the claim status and settlement.”
After you have filed a claim and submitted all the required documents, an inspector or surveyor will visit you to assess the damages caused by the incident. Our experts will peruse your car insurance claim form when the assessment is complete and determine the quantum of damage sustained by your vehicle.
Based on the surveyor’s report, we will schedule your vehicle for a visit to either one of our 7500+ network garages or a non-network garage of your choice.
If you choose a network garage, you can make a cashless claim and get your repairs done without the need to pay anything out of your pocket.
If you cannot reach one of our network garages, you can take your vehicle to your trusted garage and pay for the repairs on your own. The cost of repairs borne by you at a non-network garage will be reimbursed against your car insurance cover.
Depending on your location and preference, you can get your car repaired at a cashless network garage or a non-network garage.
Once repair work to your vehicle has been completed, we will move to settle the claim after a thorough inspection of your policy documents, add-on covers, additional discounts and claims history. Once all your car insurance claim related documents have been verified, we extend our settlement offer for the cost of repairs. For claims made at non-network garages, owners will be offered a settlement for reimbursements. We ensure a speedy and seamless claim settlement. However, if you wish to track the status of your claim after filing it, you can do so
Tata AIG Car Insurance Review
You can Scroll
Add on details are very interesting and customer can decide his own choice. Now unseen or hidden risks are covered.
Nice products tata Aig
excellent & flawless experience ! littelly renewed my insurance in less than a minute! keep it up TATA!
Thank you, the new process is very seamless! It’s SO MUCH better and MORE intuitive than what you had until last year. Great work on the upgrade!
It been good experience, but can’t give full marks.
OVERALL GOOD AND SATISFACTORY, TATA IS BRAND OF RELIABILITY
POLICY BUYING IS LIKE JUST A GO…..NICE EXPERIENCE TATA
Customer Service is awesome, Thank you so much for giving me discount. In future if I will plan to buy any new car, definitely I will insured my car by Tata Aig.
This no login premium renewal was a cakewalk. It was not there last year when i tried to renew.
It was very convenient to use. And the best part was the service provide at home.
Tata AIG Company Information
| Company Name | Tata AIG General Insurance Company Limited |
| Tollfree | 1800-266-7780 |
| customersupport@tataaig.com | |
| Registered Address | Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai – 400 013 |