5,900+ Cashless Garages
Car Insurance
Premium Starts at ₹2,094*/Year | Save up to 75%*
No Claim Bonus Upto 50%
Personal Accident Cover of ₹15 lakh
20 Add-ons for Customisation
What is Car Insurance?
Car insurance is a cover that helps you deal with costs if your vehicle is damaged in an accident, stolen, or affected by situations like fire or natural disasters.
In India, it’s mandatory to have third-party insurance, which covers damage caused to someone else’s vehicle or property. If you want protection for your car, too, a comprehensive policy is the better choice. It includes third-party cover, damage to your vehicle, and can be enhanced with add-ons such as zero depreciation, engine protection, roadside assistance & more.
With TATA AIG, you can get a quote in just 3 clicks, enjoy up to an 85% discount on new car insurance, and receive up to a 75% discount on car insurance for an existing or rollover vehicle. Additionally, you can access over 5,900+ cashless garages across India. It’s a smart, simple way to stay financially secure whenever your car is out on the road.
Key Features of TATA AIG’s Car Insurance
Key Features
Benefits
Car Insurance Premium
Starts at ₹2,094
Save up to 75% on Premium
Available for older vehicles on online purchases
Buy/Renew in 3 Steps
Fast and easy online process to buy or renew your car insurance
No Claim Bonus
Up to 50% discount after 5 consecutive claim-free years.
Customisable with Add-ons
Multiple add-ons to protect your four-wheeler with an all-round car insurance policy
No Claim Bonus
Up to 50% discount on car insurance premiums after 5 consecutive claim-free years
Damages to Third Party
Covers third-party injuries or property damage
Own Damage Cover
Covers damages to your vehicle from accidents, man-made, and natural disasters.
Customisable with Add-ons
Choose from 20 add-ons for comprehensive car insurance.
Cashless Garages
5900+ Cashless Garages & Roadside Assistance
Claim Assistance
650 experts for fast, easy claims.
Personal Accident Cover
Up to ₹15 lakhs
Car Insurance for Electric Vehicles (EVs)
When it comes to electric vehicles, it’s important to note that they are built differently from cars that use internal combustion engines. Electric vehicles use high-voltage batteries and very advanced electrical systems, all of which, if damaged, can be extremely expensive to repair. It’s also worth checking a standard car insurance policy to ensure adequate protection for these different components. For these reasons, we recommend that you specifically go for an electric car insurance policy, which will cover you for the specific risks of an EV.
Tata AIG has specialised electric vehicle insurance coverage designed for electric cars. With the Electric Surge Secure add-on to your car insurance, you’ll be covered if your EV battery suffers damage from a short circuit, arcing, or if water makes its way into the battery system. You’ll also be covered for damage to charging equipment, provided the charging equipment is manufacturer-approved and is covered in the Insured Declared Value. With these benefits, your most expensive components to repair – major EV parts – will remain insured against costly repairs should something go wrong.
Types of Car Insurance in India
TATA AIG offers Comprehensive, stand-alone own damage and stand-alone third-party car insurance policies. Additionally, you can select from various useful options, including Zero Depreciation, Engine Protection, Roadside Assistance, Return to Invoice, and Key Replacement, among others. The price of your policy is based on your car’s value and model, and your residential postcode, so you are guaranteed the coverage that you require.
Comprehensive Car Insurance Policy
A comprehensive car insurance policy provides a complete level of protection for your vehicle and third-party liabilities. It covers damage caused by accidents, theft, fire, and natural disasters, allowing you to drive without worry of unexpected events. However, there is one caveat: not everything is covered.
Stand Alone Own Damage Car Insurance Policy
A standalone own damage car insurance policy only covers damage to your personal vehicle. This damage can be caused by accidents, theft, fire, and natural disasters; however, it does not provide third-party liability. To cover third-party liabilities, one must purchase a separate third-party car insurance policy.
Stand Alone Third Party Car Insurance Policy
A standalone third party car insurance policy is legally required and provides coverage for damages to someone else’s vehicle, property, or injuries caused by your car. It doesn’t cover your own vehicle’s damage, but you can add personal accident cover for the driver or passengers separately.
Comprehensive vs Third-Party vs Own Damage Car Insurance
The three types of car insurance available in India are - comprehensive car insurance, third-party car insurance & own damage car insurance. To choose the right policy for your needs, you need to understand the difference between third-party, comprehensive & own damage insurance policies.
Comprehensive
Third Party
Coverage
Covers own damage, third-party liabilities, theft, natural calamities, and man-made disasters.
Covers third-party injury, death, or property damage.
Legal Requirement
Not mandatory.
Mandatory under the Motor Vehicles Act, 1988.
Cost
Higher due to broader coverage.
Cheapest as it offers basic coverage.
Exclusions
Driving under the influence, wear & tear, outside geographical limits. Also excludes mechanical/electrical breakdown, driving without a valid license, driving outside the geographical limits, and consequential losses( loss of income due to business interruption, ongoing expenses during downtime, etc).
No coverage for own damage.
Add-ons
Available (bumper to bumper cover, roadside assistance, etc.).
Not available.
What's Covered Under Car Insurance Policy by TATA AIG?
TATA AIG General Insurance Company four-wheeler insurance policy offers you a wide coverage against multiple circumstances such as:
TATA AIG’s car insurance policy covers:
Accident Damages
Covers repair costs for damages from accidents with comprehensive car insurance or Stand-Alone Own Damage (SAOD) cover.
Theft
Compensates up to the Insured Declared Value (IDV) if your car is stolen. SAOD policies cover theft only with an active third-party policy.
Natural Disasters
Covers damages from floods, cyclones, earthquakes, and other natural events with comprehensive car insurance or SAOD cover.
Man-Made Calamities & Fire
Covers damages from riots, terrorism, strikes, and fire-related incidents with comprehensive or SAOD policies.
Transit Damages
Covers damages during transportation via road, rail, air, or water with comprehensive car insurance or SAOD policies.
Third-Party Liability
Covers third-party damage, injury, death, and property damage with third-party car insurance or comprehensive car insurance.
Personal Accident Cover for the Owner-Driver
Optional cover up to ₹15 lakhs for injuries or death of the owner-driver. Passenger cover is available as an add-on.
Car Insurance Add-Ons
Enhance coverage with Roadside Assistance, Engine Secure, Tyre Secure, and Zero Depreciation Cover.
What's Not Covered Under Car Insurance Policy by Tata AIG?
Driving & Usage Violations
- Any damage caused when driving without a valid driver’s license
- If your private vehicle is used for commercial purposes
- Damages arising from reckless activities like speed racing or crash testing
- When the vehicle is driven under the influence of alcohol or drugs
- If the car is used outside the geographical limits (i.e., beyond India)
Negligence & Misuse
- Damages resulting from the driver’s negligence
- Regular wear and tear or natural ageing of the vehicle
- General maintenance costs that arise from routine servicing or upkeep
Unforeseen or Extraordinary Events
- Damages caused by war, war-like operations, or nuclear risks
- Claims related to specific add-ons that haven’t been purchased or included in your policy
For complete policy details and exclusions, we recommend reviewing the policy wording carefully or reaching out to us directly for clarity.
TATA AIG Car Insurance Add-on Covers
Add-on covers are optional benefits that can be included in your car insurance policy to provide extended protection beyond the basic coverage. TATA AIG offers a comprehensive list of add-ons that can be availed by paying an additional premium. These covers are subject to specific terms and conditions as outlined in the policy.
No Claim Bonus (NCB) Protection Cover
This add-on preserves your No Claim Bonus even if you make one own damage claim during the policy term, provided you’ve had at least two consecutive claim-free years prior. It ensures you don’t lose your renewal discount benefits for a single minor claim.
Depreciation Reimbursement Cover
With this Depreciation Reimbursement Cover also known as Zero Depreciation cover, TATA AIG reimburses the depreciation deducted on parts replaced during an own damage claim. This helps you recover the full cost of parts—up to two claims in the policy period—ensuring you don’t bear the brunt of depreciation-related deductions during repairs.
Return to Invoice Cover
In case your vehicle is stolen or declared a total loss, Return to Invoice cover reimburses the difference between your car’s Insured Declared Value (IDV) and its original on-road price, including registration charges, road tax, and insurance. For discontinued models, the last listed on-road price will be considered. A police investigation report is required for theft or total loss claims under this cover.
Engine Secure Cover
This cover takes care of repair or replacement costs for internal engine parts, gearbox, transmission, and differential assembly when damaged due to water ingress or lubricant leakage caused by an accident. Damage from regular wear and tear, delayed reporting, or poor maintenance is not covered in the Engine Secure Cover.
Repair of Glass, Fibre, Plastic & Rubber Parts Cover
This add-on pays for the repair (not replacement) of accidental damage to parts made of glass, plastic, rubber, or fibre. If this is your only claim in the policy year, your No Claim Bonus remains unaffected. However, painting costs not accompanied by repairs are excluded.
Key Replacement Cover
If your vehicle keys are lost or stolen, the Key replacement cover reimburses the cost of replacing them. It also includes lock replacement and associated labour charges in case of a break-in. This benefit is not applicable to commercial or non-personal use vehicles.
Tyre Secure Cover
Tyre Secure cover reimburses expenses for the repair or replacement of tyres and tubes damaged due to an accident. It does not apply to natural wear and tear, wheel misalignment, or losses within the first 15 days of the policy. Total vehicle loss claims are also excluded.
Loss of Personal Belongings Cover
It reimburses a loss or damage to your personal belongings in your vehicle during an accident or insured event, subject to a deductible of ₹250 per claim. Personal belongings mentioned are items such as money, cards, jewellery, business goods, and other valuables.
Additional Towing Charges Cover
If your car suffers an immobilisation loss, as a result of an insured peril, which includes the towing costs to the nearest authorised garage, it can be reimbursed as an additional expense. This policy provision of Additional towing charges cover is not applicable if the underlying claim is void under Section I of the policy cover. Losses arising from manufacturing or warranty claims are not covered.
Consumable Expenses Cover
The Consumable Expenses Cover reimburses the cost of consumables used during the repair of your vehicle after an accident, provided the repairs are carried out at an authorised garage and there is a valid own damage claim. Fuel costs are excluded under this cover.
Consumables covered include items such as engine oil, gear oil, lubricants, screws, filters, AC gas, and similar materials.
Misfuelling Cover
If wrong or contaminated fuel is filled in your vehicle, this cover reimburses the cost of draining and cleaning the tank, along with any repair costs due to misfuelling. The misfuelling cover offers coverage for the cost of the incorrect fuel (up to ₹2,000), provided you submit a valid bill. Only one claim is allowed per policy year.
Daily Allowance Plus Cover
This add-on helps you manage transportation costs while your car is under repair. Daily allowance plus cover offers a daily cash allowance or access to a courtesy vehicle for a limited number of days. In case of theft or total loss, this benefit is available for up to 15 days in the policy period.
Roadside Assistance Cover
Roadside Assistance cover provides emergency support services such as towing, flat tyre repair, battery jump-starts, emergency fuel delivery, spare key retrieval, and vehicle pick-up for repairs. It also includes emergency messaging and hotel accommodation in case of breakdowns.
Emergency Transport and Hotel Expenses Cover
If your vehicle becomes unusable after an accident and you have a valid claim, this cover reimburses your taxi fare and overnight hotel stay expenses. It is applicable only when the vehicle is damaged due to an accident covered under the policy.
Emergency Medical Expenses Cover
This add-on covers medical costs for injuries to the driver or passengers resulting from an accident. It does not cover treatment for illnesses, physiotherapy, or unrelated medical conditions.
Electric Surge Secure Cover (For Electric Vehicles)
Designed for electric vehicles, this cover protects against electrical damage like short circuits, arcing, and water-related issues affecting the battery or charging components. It excludes damage from manufacturing defects, misuse, or charging outside specified guidelines.
Vehicle Loan Protector Cover
In case of death or permanent total disability of the owner-driver due to an accident, this cover pays the outstanding vehicle loan amount to the financier. It excludes claims arising from suicide, self-harm, or intoxication.
Reinstate Cover
If damage to your vehicle was not reported immediately but later claimed along with another valid own damage claim, this cover reimburses repair costs for one panel (if replacement is not needed). The claim must fall within the insured sum of this add-on.
Depreciation Allowance - Battery Cover
This add-on covers the depreciation deducted on the replacement value of the vehicle’s battery under an own damage claim. The reimbursement is available for the battery replacement cost during the policy period, subject to a deductible option (zero deductible or 5% of the claim amount).
Additional Third-party Property Damage Cover
This cover provides additional protection for damage caused to third-party property (not owned or held in trust by the policyholder) beyond the limit set under the standard third-party section of the policy. It pays for the excess amount as specified in the policy schedule for a single event or a series of claims from one occurrence.
Why Do You Need Car Insurance?
If you're new to owning a car and wondering why car insurance is necessary, here’s a quick explanation:
It’s Required by Law
In India, third-party car insurance is mandatory under the Motor Vehicles Act. Driving without it could lead to fines of ₹2,000 for the first offence and ₹4,000 for the second.
Financial Protection When You Need It
Whether your car is involved in an accident, stolen, or damaged by a natural disaster, car insurance helps cover repair or replacement costs, saving you from unexpected financial strain.
Protection Against Third-Party Damages
If your car causes damage to another vehicle, property, or injures someone, your third-party car insurance will cover those costs, protecting you from large, expensive claims.
Comprehensive Coverage for Extra Security
Comprehensive insurance offers more than basic protection. Add-ons like zero depreciation car insurance ensure your car’s value is fully covered during claims, making it a smart choice for both new and relatively older cars.
Benefits of TATA AIG Car Insurance
3 Click Quote – Quick and Easy
Obtaining a quote for your car insurance online is simple, requiring just three clicks. You can quickly enter a few details and get an instant quote, making it easy to choose the best coverage for your car without any hassle.
85% Discount on New Vehicles
When you buy a new car, TATA AIG offers you an 85% discount on your car insurance online. This means you can save a significant amount on your premium, ensuring you get the best value right from the start.
5,900+ Network Garages – Easy Access to Service
With over 5,900+ network garages across India, you can easily get your car serviced at a trusted garage. Whether it’s routine maintenance or emergency repairs, you’ll always have easy access to reliable service, ensuring your car stays in top shape.
75% Discount on Rollover Policy
For those with older vehicles, TATA AIG offers 75% on policy renewals. Renewing your car insurance online is a great way to continue your coverage at a reduced cost, making it an affordable option for keeping your vehicle protected.
How To Buy/Renew Car Insurance Online
Step 1
Enter your car’s registration number and click on ‘Get Price’ if you’re buying a new policy or ‘Renew’ if you’re renewing an existing TATA AIG policy.
Step 2
Provide the necessary car and personal details as prompted on the screen. Choose your desired policy coverage along with any add-ons you wish to include.
Step 3
You’ll instantly receive a car insurance premium quote. If the quote matches your expectations, proceed to make the payment online and complete your purchase.
Things to Keep in Mind While Buying a Car Insurance Policy
When it comes to buying car insurance, it’s important to know what to look for. Here are the key factors to help you make the right choice:
Decide on the Type of Insurance: First, you need to decide what type of coverage you need. Third-party car insurance is required by law and covers damages caused to others. However, comprehensive car insurance goes a step further, protecting you against accidents, theft, natural disasters, and even providing personal accident cover.
Policy Terms and Conditions: Before choosing a plan, carefully go through what is included and excluded in the policy. Look out for coverage limits, deductibles, claim process, and add-on options. Understanding these terms helps avoid surprises later and ensures the policy suits your needs.
Add-ons for Extra Protection: Add-ons offer additional coverage beyond what’s included in a standard policy. For instance, Zero Depreciation ensures you get the full value of replaced parts without considering depreciation during a claim. Other useful add-ons like Key Replacement or Return to Invoice can come in handy during unexpected situations. It’s a good idea to review the available add-ons and choose the ones that match your needs and usage.
Check the Insured Declared Value (IDV): IDV is your car’s current market value and plays a key role in deciding how much you’ll get if your car is stolen or damaged beyond repair. Choosing a lower IDV might reduce your premium, but it also means you’ll receive a smaller payout during a total loss. It’s better to select an IDV that closely matches your car’s actual value, so you’re not underinsured when it matters most.
Network of Cashless Garages: A wide network of cashless garages means you can get your car repaired without paying upfront. The insurer directly settles the bill with the garage, saving you time, effort, and out-of-pocket expenses.
Compare Quotes: Use a car insurance calculator to compare different policies and their prices. This way, you can choose the best option that fits your budget and covers everything you need.
Claim Settlement Ratio & Service: A high claim settlement ratio indicates that the insurer processes claims efficiently. Also, ensure that the insurance company offers reliable customer service and an easy claims process.
How to Renew Expired Car Insurance Online?
At TATA AIG, renewing an expired car insurance policy online is straightforward and stress-free. If you’ve missed your renewal date, don’t worry! You can still renew your car insurance online within the renewal window of 90 days. Here's how it works:
1
Check the Expired Policy
Take a moment to check your expired car insurance renewal details. Look at your coverage, what’s included, and any add-ons from your previous policy.
2
Fill the Required Details
Enter your car registration number and select "Renew" to view your TATA AIG car insurance policy renewal online. If your previous policy is from another company, click on “Get Quote” and enter your details to get a quick quote
3
Choose Add-on Covers
Decide which extras you need. Whether it's Zero Depreciation or Engine Protection, select the add-ons that suit your car’s needs and enhance your car insurance renewal coverage.
4
Check and Verify the Details
Before proceeding, verify all details. Ensure the coverage, add-ons, and car insurance renewal price are exactly what you need.
5
Make the Payment
Once everything looks good, proceed with payment through any of the available online methods, making your car insurance renewal online smooth and easy.
6
Receive the Policy
After completing the payment, your renewed car insurance policy will be emailed to you instantly, ensuring your car remains covered without interruption.
With this quick and convenient process, you can easily complete your car policy renewal online and keep your car protected.
How To Calculate Car Insurance Premiums?
Your car insurance price consists of three main components:
Third-Party Liability Premium
Set by the Insurance Regulatory and Development Authority of India (IRDAI), this premium depends on your car’s engine size (cubic capacity).
Own Damage Premium
This premium is calculated based on your Insured Declared Value (IDV), the tariff rate determined by your insurer, any applicable discounts (like No Claim Bonus), and selected add-ons. In simple terms:
Own Damage Premium = IDV × Tariff Rate – Discounts + Add-ons.
Personal Accident Cover + Additional Covers:
This part includes the personal accident cover premium, which is mandatory in most policies, and any additional coverage options (like extra protection for specific parts of your car) that you choose. For accurate car insurance quotes, use a car insurance premium calculator to get the best car insurance price based on your needs.
Example: Car Insurance Premiums for a 5-Year-Old Hatchback
Let’s say you have a 5-year-old hatchback with a 1,200 cc engine. The IDV is ₹3.5 lakhs, the tariff rate is 2%, and you have a 20% No Claim Bonus. You’ve opted for a Zero Depreciation add-on worth ₹1,000 and a standard Personal Accident cover of ₹750.
Third-Party Premium: ₹3,416 (as per IRDAI rate for 1,000–1,500 cc)
Own Damage (OD) Only
This plan protects just your own car but doesn’t cover third-party liabilities.
- OD Premium (2% of IDV): ₹7,000
- Less 20% NCB: ₹1,400
- Net OD Premium: ₹5,600
- Add-ons (Zero Dep): ₹1,000
- Personal Accident Cover: ₹750
- Total Premium: ₹7,350
- Comprehensive Insurance
This is a complete package—it includes both third-party and own damage cover.
- Third-Party Premium: ₹3,416
- Own Damage Premium (after NCB): ₹5,600
- Add-ons (Zero Dep): ₹1,000
- Personal Accident Cover: ₹750
- Total Premium: ₹10,766
Engine Cubic Capacity
IRDAI Notified Premium
Up to 1000 cc
Rs. 2,094
1,000 cc to 1,500 cc
Rs. 3,416
Over 1,500 cc
Rs. 7,897
Factors Affecting Car Insurance Premium
When choosing a cost-effective car insurance plan, it’s important to understand the factors that affect your car insurance premium. Here are the key factors:
Insured Declared Value (IDV)
Insured Declared Value (IDV) is the current market value of the car after accounting for depreciation. IDV is the maximum amount you can claim if your four-wheeler is stolen or has suffered a total loss. Your car insurance is directly proportionate to your IDV, meaning higher IDV results in higher car insurance premiums.
Age of The Car
The age of the car affects the premium of a four-wheeler insurance policy. Insurance premiums are more expensive for brand-new cars and cheaper for older ones. Since the value of your vehicle depreciates annually, the IDV/Insured Declared Value (IDV) also decreases, which is reflected in the policy premium.
Insurance Coverage
The type of car insurance you choose directly impacts your premium. Third-party insurance is the most affordable, covering only third-party liabilities. A comprehensive car insurance policy offers full coverage, including protection for your car, third-party liabilities, and property, resulting in a higher premium. Standalone own damage policies provide specific coverage options, giving you flexibility in premium amounts.
Add-ons
Your car insurance premium will increase when you opt for add-ons with your policy. Different add-ons provide different types of additional cover for your four-wheeler, and your premium will depend on the number and types of add-ons you have chosen.
Engine Capacity
The size of the engine will influence your car insurance premium. Cars with higher cubic capacity engines will attract higher premiums for a car insurance policy than cars with lower engine capacity. Additionally, the IRDAI declares the annual third-party car insurance premium rates based on the engine cubic capacity of the vehicle.
Deductibles
Deductibles denote the percentage of the claim amount paid by the policyholder from their own pockets. A higher voluntary deductible means a lower premium as the proportion of the insurer’s liability goes down. However, a higher deductible also means a higher proportion of the claim that needs to be paid by you. So, choose well.
Claims History
Car owners who have not made claims in a given year can avail of a No Claim Bonus (NCB) from the insurer. NCB is a progressive discount on the renewal premium for a car insurance policy, which goes up with each claim-free year. Five consecutive no-claim years can fetch you a decent discount of 50% on the car insurance renewal premium.
Online Purchase
When you buy car insurance online, you can compare different policies, calculate the premium online and then select a plan that suits your needs and budget. An online purchase of car insurance allows you to customise the IDV and the premiums, which can result in affordable premiums.
Other Factors
Some other factors that affect the premium of a car insurance plan are the age of the owner, the location where the vehicle is registered, make, model and variant of the car, any modifications made to the vehicle and if the car has additional security features. These factors can decrease or increase the premium you have to pay for your car insurance policy.
Tips to Reduce Your Car Insurance Premium
The car insurance premium is one of the most important factors people consider when buying a policy. Owners-drivers are always looking out to get extensive coverage at affordable premiums. Here are a few tips that will help you reduce your car insurance premium:
1
Additional Security Measures
If you choose to install additional security devices in your vehicles, such as parking sensors and anti-theft apparatus, you effectively reduce the risk associated with your vehicle. A reduced liability risk leads to lower premiums for your car insurance.
2
No-Claim Bonus
When you renew your policy after a claim-free year, you get a discount on the premium you have to pay. This discount can go up to 50% for five consecutive claim-free years. However, even a single claim will reset the NCB back to zero. Avoid making claims against your policy for minor damages to keep your NCB from lapsing.
3
Insured Declared Value
When you get a car insurance policy, the company runs an assessment to establish the highest claim value for your vehicle, known as the Insured Declared Value (IDV). However, you can reduce the vehicle’s IDV in exchange for a reduced cost of the premium. But remember that a lower IDV entails a lower reimbursement in case of theft or total damage to the car.
4
Increase Voluntary Deductibles
A voluntary deductible is a choice by the policyholders to pay a proportion of the claim amount while the insurance company pays the rest. When you raise a claim, the insurer will deduct this amount and settle the difference. By opting for higher deductibles, you can substantially reduce the cost of your car insurance premium.
Factors Impacting Insured Declared Value (IDV)
The Insured Declared Value is the approximate market value of your four-wheeler and the estimated amount of maximum reimbursement your insurance provider can give you in case of your car’s total loss due to an accident or if stolen.
Make and model
The other factor that influences a car's Insured Declared Value is its make and model. Hence, the IDV of an expensive car will be higher than that of a more affordable four-wheeler.
Usage of the car
As your car ages, its parts wear down, resulting in depreciation. This affects the Insured Declared Value (IDV), which is the amount your car is insured for. For example, depreciation is 5% in the first six months. After five years, depreciation reaches 50% and stays the same as the car continues to age.
Geographical location
Another factor that affects the IDV is the geographical location where the car was registered. The IDV of cars in metropolitan cities differs from that of cars registered in smaller towns across the country. This is because, in some areas, the risk of theft and safety concerns might be higher.
Safety Features and Modifications
Another factor that can impact your car’s IDV is the type of modifications you have added to your car parts and the type of security or anti-theft devices you have installed in the vehicle. The higher the installation of safety features, the higher the IDV, and vice versa. Similarly, depending on the types of car modifications, the IDV might vary as it impacts the risk profile of your vehicle.
Age of the vehicle
% of Depreciation For Fixing IDV
Not exceeding 6 months
5%
Exceeding 6 months but not exceeding 1 year
15%
Exceeding 1 year but not exceeding 2 years
20%
Exceeding 2 years but not exceeding 3 Years
30%
Exceeding 3 years but not exceeding 4 Years
40%
Exceeding 4 years but not exceeding 5 Years
50%
How To File A Four Wheeler Insurance Claim?
We hope you never have to, but in the unfortunate case of an accident or damage to your car you will have to file a claim. This is best done online. Here is a simple description of the process of filing a car insurance claim with Tata AIG.
1
Register Your Claim
Your safety comes first. Once you have made sure you are all okay (and your co-passengers are okay) then inform your insurance company and register a Claim. To do so online, log into your Tata AIG account and click Claim. It will take you to an online form requiring the following details:
Your car insurance policy number
Personal information such as your name, contact number, and address
Driving license details (yours or the driver’s)
Incident-related details
A copy of the FIR, if applicable
You’ll also need to indicate whether a third-party individual or property was involved. Once all required information is entered, click ‘Submit’ to complete the registration.
2
Get the Claim Intimation Number
Once your claim is successfully registered, you’ll receive a Claim Registration Number. Keep this number handy and refer to it in all future communications related to your claim status and settlement.
3
Inspection of the damages sustained
After your claim has been filed, a surveyor will visit the site to assess the damage to your vehicle. The surveyor will review the claim form and inspect the extent of damage. This inspection helps us evaluate the repair costs accurately before proceeding further.
4
Take the car to the garage
Based on the surveyor’s report, your vehicle will be scheduled for repairs at a garage. You can choose from over 5,900 Tata AIG network garages for a cashless experience or opt for a non-network garage of your choice.
- Cashless Option: If you select a network garage, repairs will be taken care of without any upfront payment.
- Reimbursement Option: If you prefer a non-network garage, you will need to pay for the repairs initially. The amount will be reimbursed as per the terms of your policy.
5
Get your car repaired
Depending on your location and preference, have your car repaired at the chosen garage. Whether you opt for a network or non-network facility, ensure that repairs are completed as per the surveyor’s recommendation.
6
We will settle the claim
After the repairs are done, Tata AIG will verify all your submitted documents, including policy details, add-on covers, applicable discounts, and claims history. Once everything is in order, we’ll initiate the claim settlement:
For network garages, the insurer pays the garage directly.
For non-network garages, the approved amount will be reimbursed to you.
We aim to make the claim process as seamless and quick as possible. You can also track the status of your claim anytime through our online portal.
Documents Required for Filing a Car Insurance Claim
The following are the standard documents you’ll need when filing a car insurance claim for accidental damage or theft. Depending on the nature of your claim, additional paperwork may be required. It’s advisable to contact a customer service representative for complete guidance based on your specific situation.
How to Download Your Car Insurance Policy Online?
Step 1:
Start by visiting the official TATA AIG General Insurance Company website at www.tataaig.com.
Step 2:
On the homepage, click on the ‘Self-Service’ option. You’ll be prompted to log in using your registered mobile number (via OTP), email ID, or your car insurance policy number.
Step 3:
Once logged in, navigate to the ‘Policy Download’ section. Enter either your policy number or your vehicle registration number to retrieve your active private car insurance policy.
Step 4:
Click on the ‘Download Policy Document’ button to save a PDF copy of your policy. You may also choose to receive the document via your registered email address. In some cases, TATA AIG may offer the option to send the policy document through WhatsApp, subject to system availability and prior user opt-in.
Note:*
For renewals, a new policy document is generated after the renewal premium is paid and processed. You must download this updated document separately, following the same steps.
Alternatively, if you cannot access the online portal, you can also contact TATA AIG General Insurance Company’s 24x7 Customer support: (022 6489 8282) or email customersupport@tataaig.com to request your policy document.
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Policy Related
How Can I Renew Expired Car Insurance?
If you’ve missed your policy renewal deadline, we can still help you with your car insurance renewal. We’ll need a few details, such as your car’s registration number, your previous policy number, the number of claims you’ve previously made and a few images of your car. Once we have that, we’ll be in a better position to understand what your car insurance premium should be. If you complete the process within 90 days of your previous car insurance policy expiring, we may even be able to transfer your NCB to your new policy!
Can I buy car insurance online? If yes, how?
Yes, we like to make our processes as easy and convenient as possible. You can purchase TATA AIG car insurance online directly from our website. Simply input a few details, such as your car’s registration number and we’ll be able to share a quote with you.
How can I calculate the car insurance premium for my policy?
You can use the TATA AIG car insurance premium calculator to understand what kind of premiums you have to pay for various car insurance policy options.
Is it necessary to have car insurance in India?
Yes. As per the Motor Vehicle Act, 1988, all vehicles must have at least third-party insurance. If you do not have third-party car insurance, you cannot legally drive your car on Indian roads.
What does a car insurance policy cover?
This depends entirely on which TATA AIG car insurance policy you purchase. If you purchase our comprehensive car insurance plan, it will cover, loss or damage to the car, any damage to a third-party and/or third-party property, personal accident covers for the owner-driver, damage to the vehicle itself.
What is the online car insurance renewal process?
Visit the TATA AIG website to quickly renew your car insurance online. Once you enter your car and policy details, you can make the premium payment via net banking or with your credit or debit card. Once the payment is processed, you’ll receive a hard and soft copy of your policy.
Are there any advantages to buying car insurance online?
We always recommend buying car insurance online as, It’s quick, easy and convenient, you can compare car insurance policies and find the best policy at the most competitive price, there’s minimum paperwork required, there are no middlemen involved.
Should I get a comprehensive car insurance policy or is third-party enough?
For the best protection of your car, yourself and your finances, we always recommend the comprehensive TATA AIG car insurance policy. A comprehensive policy will cover you against third-party liability as well as damages to your car, personal accident cover and more. Of course, the decision to pick one car insurance policy over the other depends entirely on you and your requirements.
Are there any important factors I should consider before buying or renewing car insurance?
You should always purchase a car insurance policy that offers you’re the best cover and the most competitive prices. While looking for a policy, you should consider the car insurance premium, the kind of cover you will receive, the network garages on offer and the kind of add-ons available to you.
What is a No Claim Bonus (NCB)?
NCB is a sort of reward that your car insurance provider offers you for getting through a policy year without making any own damage claims. For every year you go without making a car insurance claim, you will receive a discount on next year’s car insurance premium. For every subsequent claim-free year, your NCB will increase up to a maximum of 50%.
What happens in my previous car insurance policy has already expired?
If you didn’t renew your car insurance policy on time, don’t worry. You can still get a fresh policy with TATA AIG. However, since there’s a gap in your coverage, we may need to send an inspector or surveyor to inspect your vehicle. If you purchase the new policy within 90 days of the old policy’s expiry, you should still be eligible to claim any No Claim Bonus (NCB), if applicable.
How can I claim car insurance?
The TATA AIG car insurance claims process is quick and completely hassle-free. To get the process started, you need to fill up our online claim form and submit it. We’ll have a look at the details and recommend a network garage where you can send your car. After a complete vehicle check, we’ll reimburse you for the repair costs as per the terms provided in your car insurance policy documents.
What are cashless claims?
Cashless claims allow you to get your car repaired without you having to pay money up front. If you send your car to a network garage, we’ll sort out the cost of the repairs directly with them. There’s no waiting period or any hassle of reimbursements in cashless claims.
How long does it take for a claim to be settled?
Each car insurance claim is unique. At TATA AIG, we are committed to settling all car insurance claim requests within 30 days.
Do I need to file an FIR in order to make a claim against my car insurance?
This depends on the reason for your claim. If your car has been stolen or if you’ve met with an accident, we would need to see a copy of the FIR in order to process your car insurance claim.
What does zero depreciation (Depreciation Reimbursement) mean in car insurance?
Zero depreciation (Depreciation Reimbursement) is a very popular car insurance add-on. It protects your finances against regular depreciation costs of various parts of your car. If you choose to get this add-on along with your TATA AIG car insurance policy, you will be reimbursed for the full value of a part. The depreciated value of that part will not be considered.
Why Renewing Your Car Insurance Policy On Time Matters?
Renewing your car insurance on time helps avoid legal issues and keeps your coverage intact. With TATA AIG, you have a 90-day window to renew, but during this period, there’s no protection. Late renewal could result in higher premiums, loss of No Claim Bonus (NCB), and missing out on valuable add-ons like Zero Depreciation. Timely renewal ensures continuous coverage and peace of mind.
How to change car insurance from one company to another?
To switch car insurance providers in India, begin by assessing your insurance needs and comparing policies online to find better coverage and pricing. Once you’ve chosen a new insurer, purchase the new policy before cancelling the old one. Request a No Claim Bonus (NCB) Transfer Certificate from your current insurer to retain any benefits. Inform your current insurer in writing to cancel the policy. Ensure the new policy starts immediately after the old one ends to prevent coverage gaps. This process, supported by IRDAI regulations, enables easy switching with benefits such as better prices and services.
What are the documents required to transfer car insurance?
To transfer car insurance in India, you need these documents: new registration certificate (RC), old insurance policy, Form 29 and Form 30 (ownership transfer forms), sale agreement, No Objection Certificate (NOC) from financer (if any), proof of identity and address, Pollution Under Control (PUC) certificate, and tax receipts. Some insurers may also require the original invoice and passport-sized photos.
Related Articles
Who should choose a Zero Depreciation Cover?
Zero depreciation / depreciation reimbursement cover reimburses or compensates you the amount of claim that gets deducted due to depreciation.
What is Insured declared value (IDV)?
The term ‘IDV’ refers to the maximum claim your insurer will pay if your vehicle is damaged beyond repair or is stolen.
How to Calculate Car Insurance Premium?
Well it’s about time that changed, don’t you think? Read on to know the components of your car insurance premium, so you can save more, and get smarter along the way!