TATA AIG Car Insurance, starting at Rs. 2,094*
Product highlights
Key features and benefits of this policy
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Lower premiums
TATA AIG car insurance policy offers complete coverage for your car at affordable premiums. For example, the premium for third-party car insurance starts at just Rs. 2,094*.
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Cashless claim settlement across 6,500+ garages
TATA AIG has over 6,500+ network garages across India, where you can get your car repaired without having to pay for the charges.
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Natural and man-made calamities covered
You get coverage for damages incurred in earthquakes, floods, fires, and storms. You will also get coverage for damages caused to your insured car in a burglary, theft, riot, strike, or malicious act.
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Third-party legal liability covered
The policy covers legal liability expenses in case of an accident caused by your car. Get coverage for accidental damages leading to bodily injury, death, or damage to the property of the third party.
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Personal accident cover
TATA AIG car insurance offers up to Rs. 15 lakh to the insured owner-driver in case of accidental injuries, disabilities, or death.
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No Claim Bonus benefit
TATA AIG car insurance offers a No Claim Bonus that offers you savings up to 50% on your premiums for claim-free years.
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15+ unique optional add-on covers
Option to choose from 15+ add-on covers to enhance your car insurance policy. Add-on covers include roadside assistance, consumable expenses, tyre secure, engine secure, key replacement, emergency transport and hotel expenses. You can also avail add-on covers for loss of personal belonging, return to invoice, depreciation reimbursement, daily allowance, etc.
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24x7 roadside assistance
Get services for flat tyre, jump-start for flat battery, repair on the spot, emergency towing assistance and more with roadside assistance add-on cover.
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Daily allowance add-on cover
Get a daily allowance for up to 15 days to pay for alternative transport in case your car gets damaged by the covered perils. TATA AIG also offers the option to get a courtesy hired car. The insurer provides a hired car within 24 hours of your insured car reaching the garage. You can use this car to commute for up to 15 days or until your car gets delivered from the garage. In the case of theft, you will get compensation for a hired car.
Eligibility criteria and documents required
Anyone who fulfils the below criteria can buy the TATA AIG Car Insurance policy. Also, keep the below-mentioned basic information handy while buying the policy.
Eligibility criteria
- Nationality: Indian
- Age: 18 years and above
- The vehicle insured should have a valid registration number and certificate
Documents required
No documents required to buy the policy. Only provide the basic information while buying the policy:
- Car registration number
- Mobile number
- Residential PIN code
- Previous policy details
A step-by-step guide to buying this policy
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Step 1
Click on the 'Get Quote’ button on this page to visit the online application form.
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Step 2
Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the ‘Get Quote’ button below.
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Step 3
Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.
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Step 4
Choose TATA AIG Private Car Insurance policy by clicking the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.
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Step 5
Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on ‘Proceed’.
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Step 6
Enter the vehicle owner’s name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as per the RC) and previous policy details.
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Step 7
Review your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to buy the policy.
After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5-7 working days.
You will also receive an SMS confirmation immediately after the payment is successful.
You can also access your policy details through the My Account section within 5-7 days after purchase.
Policy details
Here’s a quick look at the policy details of the TATA AIG Private Car Insurance:
- Third-party Insurance
- Own Damage Cover
- Comprehensive Insurance
| Policy details | Description |
|---|---|
| Policy type | Third-party insurance |
| Starting premium (in Rs.) | 2,094* |
| Policy term | Annual plan |
| Coverage | Third-party property damages or losses. | Third-party bodily injuries or death. |
| Add-on cover | Not available |
| Policy details | Description |
|---|---|
| Policy type | Standalone Own Damage car insurance policy |
| Starting premium (in Rs.) | Depends on the car’s IDV |
| Sum insured (in Rs.) | Depends on the car’s IDV |
| Policy term | Annual plan |
| Coverage | Covers damages caused to your own vehicle (insured). | Covers damages caused from floods, earthquakes, fire, and storm. | Covers damages caused from burglary, theft, riot, strike, and malicious act. |
| Add-on cover | 15+ add-ons: Roadside assistance, consumable expenses, tyre secure, engine secure, key replacement, emergency transport and hotel expenses, loss of personal belonging, return to invoice, depreciation reimbursement, daily allowance, etc. |
| Policy details | Description |
|---|---|
| Policy type | Comprehensive car insurance policy |
| Starting premium (in Rs.) | Depends on the car’s IDV |
| Sum insured (in Rs.) | Depends on the car’s IDV |
| Policy term | Annual plan |
| Coverage | Personal accident cover up to Rs. 15 lakh Third-party liability coverage Loss or damage to vehicle covered |
| Add-on cover | 15+ add-ons: Roadside assistance, consumable expenses, tyre secure, engine secure, key replacement, emergency transport and hotel expenses, loss of personal belonging, return to invoice, depreciation reimbursement, daily allowance, etc. |
Key inclusions and exclusions
Here is a quick look at the key inclusions and exclusions under the TATA AIG Private Car Insurance policy:
- Key inclusions
- Key exclusions
| Key inclusions | Description |
|---|---|
| Third-party liabilities | Covers damages caused to a third person’s body, property, or vehicle. |
| Accidental damage | Covers damages caused due to accidents. |
| Fire damage | Covers damages caused to the car due to fire explosion, self-ignition, or lightning. |
| Theft | Offers coverage if the car gets stolen. |
| Natural calamities | Covers damages caused to the car due to earthquakes, floods, and storm. |
| Man-made calamities | Covers damages caused to the car due to burglary, theft, riot, strike, or malicious act. |
| Personal accident cover | Offers up to Rs. 15 lakh in case of accidental injuries, disabilities, or death cause to the owner-driver. |
| 15+ add-on covers | Add-on covers offered are: Roadside assistance, consumable expenses, tyre secure, engine secure, key replacement, emergency transport and hotel expenses, loss of personal belonging, return to invoice, depreciation reimbursement, daily allowance, etc. |
| Key exclusions | Description |
| Normal wear and tear | Does not cover repair or replacement costs of car parts that get damaged over time due to regular usage. |
| Alcohol or drug usage | This car insurance policy does not cover damages while driving under the influence of alcohol or drugs. |
| Driving without a valid licence | Does not cover any damages caused while driving without a valid driving licence. |
| Mechanical or electrical breakdown | Does not cover damages caused due to any mechanical or electrical breakdown. |
| Other causes | Does not cover losses/damages caused due to war, mutiny, or nuclear risk. |
| Location | Does not cover any loss or damage caused to your car outside the geographical limits of India. |
Product information
For complete details on product benefits, features, terms and exclusions, please read the product brochure and policy wordings carefully before buying a policy.
How to raise a cashless claim
Follow these steps to raise cashless claim requests with TATA AIG Private Car Insurance.
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Step 1 – Register your claim
1. Login to the official website of TATA AIG and go to the claims section.
2. You can also call on 1800-266-7780 and follow simple IVR instructions to get your claim registered.
3. Register claims through WhatsApp on +91 -9136160375.
4. Write an email at customersupport@tataaig.com.
You will receive the ‘claim registration number’ that you can use in all your communications concerning claim status or settlement.
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Step 2 – Locate the nearest network garage
After registering your claim online, you can take your car to the nearest TATA AIG network garage. You can also arrange for towing service through TATA AIG to take your car to the garage.
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Step 3 – Damage assessment and repair cost estimation
An inspector or surveyor from TATA AIG will visit to assess the damages and determine the estimated cost of repair. They will also go through your car insurance claim form and notify you if any additional information is needed.
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Step 4 – Cashless claim settlement
After verifying the policy documents, add-on covers, additional discounts, and claim history, the insurer will move to settle the claim. TATA AIG will directly settle the claim amount with the network garage as per the policy terms and conditions.
How to raise a reimbursement claim
To reimburse your car repairing bills with TATA AIG Private Car Insurance, follow these steps.
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Step 1 – Register your claim
1. Login to the official website of TATA AIG and go to the claims section.
2. You can also call on 1800-266-7780 and follow simple IVR instructions to get your claim registered.
3. Register claims through WhatsApp on +91 -9136160375.
4. Write an email at customersupport@tataaig.com.You will receive the ‘claim registration number’ that you can use in all your communications concerning claim status or settlement.
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Step 2 – Repair your car at any of your preferred garages
Get your vehicle repaired at your preferred garage, pay the bills, and keep the invoices.
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Step 3 - Submit the required documents
Upload the reimbursement claim form, the invoices, and the other necessary documents.
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Step 4 - Claim settlement
After verifying the policy documents, add-on covers, additional discounts, and claim history, the insurer will move to settle the claim. TATA AIG will reimburse the claim amount as per the policy terms and conditions.
In case of a total loss such as theft, you can raise a claim and TATA AIG will pay the IDV of your vehicle.
Documents required for raising a claim request
Here is the list of documents that you need to raise a claim request with TATA AIG Private Car Insurance.
- Copy of the car’s registration certificate (RC)
- Copy of your driving licence
- Insurance policy copy
- Duly filled and signed claim form
- FIR in case of theft, injuries to any third party or damage to their property
- Original bills of car repairs (in case of reimbursement claim)
