TATA AIG Car Insurance

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Car Insurance

The Tata Group and the American International Group (AIG) have partnered to form Tata AIG General Insurance Company Limited. The insurance company provides various types of insurance products such as motor insurance, health insurance, and travel insurance. TATA AIG car insurance is an agreement that covers four-wheelers against financial losses resulting from unforeseen circumstances such as accidents and natural disasters.

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On TATA AIG Car Insurance Website

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Updated: 29-05-2024 10:15:47 AM

Features and Benefits

A TATA AIG car insurance policy comes with the following features and benefits:

  • Cost-effective Premiums: If you purchase a policy online, you can save up to 75% on car insurance premiums.
  • Third-party Damage: TATA AIG car insurance covers damage caused to third parties or their property.
  • Own Damage Coverage: Damages caused by natural disasters, man-made disasters, and accidents are covered.
  • 24×7 Claim Assistance: The insurer has 650 claim specialists in India who make sure to provide a simple and efficient claim procedure.
  • High Claim Settlement Ratio: TATA AIG car insurance recorded a claims settlement ratio of 99% as of FY 2022-2023.
  • Add-on Covers: Up to 17 add-ons are available with an all-around car insurance plan to protect your car.
  • Cashless Garages: You can avail cashless repair services at more than 7,500 garages all over India.
  • Online Purchase/Renewal: TATA AIG offers a simple, three-step process for a speedy renewal of your car insurance.

Car Insurance Inclusions

The TATA AIG car insurance policy provides extensive coverage in the following conditions:

Car Theft: If your car is stolen or suffers total damage as a result of an accident, you will be reimbursed for the Insured Declared Value (IDV) or the full market value of your car.

Damages from fire and man-made disasters: Damages due to self-ignition, explosion, lightning, etc., are covered by a comprehensive car insurance policy or own damage cover. The policy also provides coverage against damages brought on by terrorism, riots, and other malevolent man-made disasters.

Damages due to natural disasters: You will be financially protected against the losses brought on by natural disasters.

Accidental damage to the car: Depending on how serious the collision was, your car may sustain minor to major damage. The costs of the repairs due to an accident will be covered by a stand-alone own damage policy and a comprehensive car insurance policy.

Damages sustained during transit: You might occasionally have to move your car across railways, roads, airways, and waterways. A comprehensive car insurance plan will pay for any damage to the vehicle that occurs while it is being transported.

Coverage with 17 car insurance add-ons: TATA AIG car insurance provides 17 car insurance add-ons that can help you improve the coverage provided by your comprehensive car insurance. You can purchase coverage for particular situations like Roadside Assistance Covers, Zero Depreciation Covers, Engine Secure and Tyre Secure Covers, etc.

Personal accident cover for the owner-driver: A Personal Accident Cover worth Rs.15 lakh can be added to your comprehensive car insurance policy. This coverage protects the owner-driver in the event of a major accident against death, permanent total disability, and serious injuries.

Car Insurance Exclusions

The following circumstances are not covered under TATA AIG car insurance:

  • Damages incurred from driving a vehicle without a valid driving licence.
  • Expenses for routine car maintenance.
  • If the car is used outside of its designated geographic region.
  • Damages resulting from the driver’s carelessness.
  • Damages brought on by driving while under the influence of drugs or alcohol.
  • Damages incurred due to crash testing, racing, etc.
  • Usual wear and tear brought on by frequent use and depreciation.
  • Damages brought on by nuclear danger and war or conditions resembling war
  • Reimbursement of just 50% of the cost when consumables need to be replaced because of wear and tear.
  • Driving a private vehicle for commercial reasons.

How to Buy TATA AIG Car Insurance Online

Here are the steps to purchase TATA AIG car insurance online:

  • Step 1: Visit the official website of TATA AIG.
  • Step 2: Navigate to the ‘Car Insurance’ page.
  • Step 3: Enter the car registration number and click on ‘Get Price’ to buy a new plan. To renew your existing policy, click on the ‘Renew’ option.
  • Step 4: Enter your personal information as well as the details about your car.
  • Step 5: Choose the coverage you desire for your policy.
  • Step 6: Provide details regarding claims made under your car insurance policy. Fill in the designated box with the information if you have made a claim on your car insurance. Leave the option blank if you did not make any claim and you will be eligible to receive the No Claim Bonus (NCB) when your car insurance is renewed.
  • Step 7: A car insurance quote will be sent to you right away.
  • Step 8: Pay the insurance premium online using any of the digital payment methods available.
  • Step 9: A confirmation of your car insurance plan will be sent to your email and WhatsApp inbox.

Documents Required for Insurance Claim

To ensure that your claim is properly processed and approved, you need the following documents:

  • Claim form signed by the insurance company
  • FIR in case of an accident
  • If your car is stolen, get a no-trace report from the police and write a letter to the RTO
  • Concerning party’s legal notice in the event of third-party liabilities
  • Personal information, including address and proof of identity
  • Hospital bills for personal accident claim
  • Garage repair invoices for reimbursement claims
  • Invoice, payment receipt, and the original estimate for the repairs done at the network garage
  • Copy of driving licence
  • Copy of the insurance policy
  • Details about the car’s registration, which includes a copy of the RC with its original keys

Car Insurance Claim Process

Step 1: Register your claim – You can register a claim by calling 1800-266-7780 or visiting the ‘Claims Support; page and filling out the required information. You will then receive a link for self-inspection via your registered mobile number.

Step 2: Inspection – Complete the self-inspection form by providing details about the damages to your car. A surveyor will inspect your car.

Step 3: Mode of repair – Through the network of garages, you have the option to submit a cashless claim or receive reimbursement for the damage repairs.

Step 4: Documents required – A completed claim form, an FIR (if applicable), policy documents, identity and address proofs, and other documentation are usually required for the settlement of claims.

Step 5: Tracking of status – After you submit your claim, you may track the approval and transaction process online.

Step 6: Claim settlement – Your claim will be reviewed to determine whether it complies with the policy’s requirements. Upon approval, the claim will be settled.

Car Insurance Add-On Covers

To improve the protection provided by your policy, you can add add-on covers to your car insurance. The following add-on covers are offered by TATA AIG:

  • No Claim Bonus Protection
  • Repair of Glass Fiber and Plastic Parts
  • Daily Allowance
  • Roadside Assistance
  • Engine Secure
  • Emergency Transport and Hotel Expenses
  • Tyre Secure
  • Key Replacement
  • Return to Invoice
  • Consumables Expenses
  • Zero Depreciation (Depreciation Reimbursement)
  • Loss of Personal Belongings

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If you failed to renew your car insurance by the deadline, you can still get it done by providing your car registration number, previous policy number, the number of claims you filed previously, and some photographs of your car.

Yes, you can visit the official website of TATA AIG and purchase a car insurance policy.

TATA AIG settles car insurance claims within 30 days.

The cost of repairs and recovery for any damage or loss to your car may be covered by an insurance claim. You can get full or partial reimbursement for the costs associated with restoring your car to its original state, based on your policy.

If the policyholder’s car is stolen or if they meet with an accident, an FIR will be required to make a claim.

Engine damage is not covered by an ordinary car insurance policy. You can get reimbursed for this claim by choosing a particular add-on cover.

Based on the situation, there may be a different deadline for filing a car insurance claim. In legitimate cases, even if the claim is submitted months after the incident, the insurer will not instantly deny it. Filing a claim within the insurance company’s time frame is necessary to receive the claim amount.

The car insurance policy determines the extent of coverage for claims. Certain insurance plans include coverage for small dents and scratches. You must go through the policy terms to find out what damages are covered. It is not recommended to file claims for minor damage since it may prevent you from receiving a no-claim bonus.