• I want to insure a vehicle which  
      with vehicle no
    Press ENTER
    and my Mobile no
    Press ENTER

Motor Insurance

Your car gives you two things –  independence and freedom of movement. To further make your driving experience, we also give you the third ingredient, peace of mind. With our car insurance stay protected and cruise without worries.

At Tata AIG General Insurance Company Limited, don’t just get insured, get protected.


UIN: IRDAN108RP0002V01200001


Policy Wording


  • Features that make it the #RightInsurance

    With these great features, you will never have to worry about your car again!


    • Loss of or Damage to the Vehicle Insured - The Company will indemnify the Insured against loss or damage to the vehicle insured hereunder and/or its accessories whilst thereon: (i) by fire, explosion self-ignition or lightning; (ii) by burglary, housebreaking or theft; (iii) by riot and strike; (iv) by earthquake (Fire and Shock Damage); (v) by flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost; (vi) by accidental external means; (vii) by malicious act; (viii) by terrorist activity; (ix) whilst in transit by road rail inland - waterway lift elevator or air; (x) by landslide, rockslide. Subject to deduction for depreciation at the rates mentioned in policy wordings in respect of parts replaced.

    • Liability to third parties – the Company will indemnify the Insured in the event of an accident caused by or arising out of the use of the vehicle against all sums which the insured shall become legally liable to pay in respect of, a) death of or bodily injury to any person including occupants carried in the vehicle; b) damage to property other than property belonging to the insured or held in trust or in the custody or control of the Insured.

    • Personal accident cover for owner-driver – The company undertakes to pay compensation for bodily injury / death sustained by the owner-driver of the vehicle upto Rs. 2 lakh, in direct connection with the vehicle insured. For nature of injury and scale of compensation, please refer to the policy wordings. 

    • 13 add-ons to choose from to give your car an all-round protection


      For complete list of detailed benefits, please refer policy wordings

  • Add-ons to make the policy stronger

    The love you have for your car can only be matched by the amazing add-ons we have to protect it!


    • Depreciation reimbursement - We will pay you the amount of depreciation deducted on the value of parts replaced under own damage claim, lodged under section 1 (own damage) of the policy. We will pay for the first 2 claims reported to Us during the Period of insurance. Depreciation Reimbursement offers full claim without any deduction for depreciation, on the value of replaced parts which otherwise have to be borne by you. This standard cover is available for the vehicles upto 5 year old & will operate for maximum 2 claims during policy period.


      Special Conditions applicable to this cover in addition to the General Conditions:
      A claim where replacement of any part is not involved and no depreciation is deducted under own damage claim, will not be considered as claim under this cover.
      Vehicle is repaired at any of our Authorised Garage/Authorised workshop/Authorised service station.

    • Return to invoice - we will pay the financial shortfall between the amount you receive under the policy and the purchase price of the vehicle as confirmed in the invoice of sale or current replacement price of new vehicle in case exactly same make/model is available, whichever is less, in the event of your vehicle being a total loss / CTL following an accident or stolen during the period of insurance and not recovered. We will also reimburse the first time registration charges and road tax which You had incurred on the insured vehicle

    • Daily allowance - Daily Allowance offers to pay a fixed sum towards a hired transport which you may need to take while your vehicle is under repair for a valid claim and repair time is more than 3 days. This will be available for maximum 10 days & in case of total loss/ theft claims upto 15 days. Period of daily allowance may extend beyond policy period depending upon the date of loss. Cover is available for all vehicle age.

    • Emergency transport & hotel expenses – If your insured vehicle is immobilized after an accident, Emergency Transport & Hotel Expenses offers to pay for the cost of overnight stay and taxi charges for returning back to the place of residence or the nearest city you were travelling to. Cover is available for all vehicle age.
      Special conditions applicable to this benefit in addition to the general conditions:
      Any claim under this section will be admissible only when there is a valid & admissible claim in respect of the vehicle arising out of the same accident.

    • Road Side Assistance – It's a service facilitated to take care of your vehicle and your worries in an unfortunate event of your vehicle meeting with an accident or breakdown. Under this, we provide wide range of services for your help within the covered geographical territory.

      Some of the benefits are as follows:  Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Fuel Support (Emergency fuel delivery), Emergency towing assistance, Spare Key Retrieval/Service for key locked inside, Continuation/Return Journey (Taxi Support)

    • Courtesy / Hire Car – If the estimated time taken to repair your car is more than 24 hrs or it is a claim for total loss/theft of entire vehicle, then with courtesy/hire car, you will not have to worry about your daily commute. It offers the convenience of a replacement car while your vehicle is under repair for a valid claim. A Courtesy/Hire Car is not intended to be an exact replacement of vehicle in terms of its size, segment, type, value or status.

      Courtesy/Hire Car will be provided within 24 hrs. of vehicle reaching the garage or the time of intimation of claim to us whichever is later excluding weekend/national holidays. We will pay for a maximum period of 10 days in case of repair claim and 15 days in case of theft/total loss claim. In case of theft, if the vehicle is recovered earlier then our liability to pay under this cover ends on the day police authority informs you to take delivery of the vehicle plus 2 days subject to maximum 15 days. Duration for which courtesy car will be provided may extend beyond policy period depending upon the date of loss. Courtesy/Hire Car will be provided on 8 hrs or 80 km per day basis whichever is less. The terms and conditions of the Hire Car Company will apply. You will be given a copy of the Hire Car Company’s terms and conditions when the hire car is delivered to you.

      If unable to arrange for a courtesy/hire car we will pay the fixed travel cost for the period as stated in the policy.

    • No Claim Bonus Protection cover – If you file for a claim you forego on your No Claim Bonus. But with no claim bonus protection you get to benefit from certain claims even while you get to keep your No Claim bonus, if bonus accumulated by you is for 2 or more than 2 claim free years and there being no claim in 2 preceding years. So you stay double protected.

      Special conditions applicable to this benefit in addition to the general conditions:

      The claim made for damages only to the windscreen glass/rear glass/door glasses sun roof glass, will not be considered as a claim under this benefit.

      The claim only partial theft of accessories/parts will not be considered as a claim under this benefit. 

      A claim for theft of entire motor vehicle will not be considered as a Total Loss/Constructive Total Loss for this purpose provided a new motor vehicle is purchased and insured with Us within 90 days of the theft, in which case, We will allow same No claim bonus on New motor vehicle as is shown in the schedule of the policy wording.

    • Repair of Glass, Fibre, Plastic and Rubber Parts - A claim for only glass / plastic / rubber / fiber part where you opt for repairs rather than replacement, at our authorised workshops/authorised dealers/authorised service stations will not affect your No Claim Bonus eligibility at the time renewal with Us provided number of such claim does not exceed one and there is no other claim for damage to the vehicle during the period of insurance.

    • Key Replacement Cover - We will reimburse you for the cost of replacing your vehicle keys which are lost or stolen. We will also reimburse you for the cost of replacing your locks and keys if your vehicle is broken into. The covered costs include the labor cost for replacing the lock.

    • Loss of personal belongings - Loss of personal belonging covers the loss or damage to your and your family member’s personal belongings in the vehicle at the time of loss or damage to the vehicle in excess of Rs. 250. Cover is available for all vehicle age.

    • Consumable Expenses - This covers cost of consumables required to be replaced/replenished arising from the accident to the insured vehicle. Consumable for the purpose of this cover shall include engine oil, gear box oil, lubricants, nut & bolt, screw, distilled water grease, oil filter, bearings, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel. Cover is available for all vehicle age.

    • Tyre Secure – This covers repair & replacement expenses arising out of accidental loss or damage to tyres & tubes only, without any damage to the insured vehicle, resulting into bulge, puncture, burst, cut, or damage as specified under the exclusions for Tyre Secure. Unused tread depth will be the basis of indemnity under this coverage as specified in the policy. Cover is available for vehicle age upto 5 yrs

    • Engine Secure – This covers repair and replacement expenses for the loss or damage to internal parts of the engine and gear box, transmission or differential assembly provided loss or damage is due to ingress of water in the engine or leakage of lubricating oil from engine /respective assembly i.e. material, which is used up and needs continuous replenishment such as engine oil, gear box oil etc but excluding fuel. This cover is available for vehicle age upto 5 yrs.

    • All the above add-on covers are available only with package policy & on a chargeable basis except that of ’Repair of Glass, Fibre, Plastic & Rubber Parts’


      For complete list of detailed benefits, please refer policy wordings

  • Situations in which the policy won’t work

    Policy doesn’t work if


    • Any accidental loss or damage and/or liability caused sustained or incurred outside the Geographical Area. 

    • Personal Accident Cover - No compensation shall be payable in respect of death or bodily injury directly or indirectly wholly or in part arising or resulting from or traceable to (1) intentional self-injury suicide or attempted suicide physical defect or infirmity or (2) an accident happening whilst such person is under the influence of intoxicating liquor or drugs.

    • The claim arises out of contractual liability

    • Daily allowance - will not be payable if arising out of only windscreen or any other glass damage or if time required for repair of motor vehicle is up to 3 days.

    • Road side assistance - The services would not be provided under following conditions:

      - Acts of God (including exceptional adverse weather conditions), earthquake, fire (not caused by the negligence of either party), war (declared or undeclared), invasion, rebellion, revolt, riot (other than among employees of either party), civil commotion, civil war, acts of terrorism, nuclear fission, strike, act(s) of omission/commission by any concerned, Government(s), or government agencies, judicial or quasi-judicial authorities.

      - Loss of or Damage to luggage or other personal effects that might occur during the services performance.

      - Vehicles should not be used for the purpose of racing, rallying, motor-sports, or in any instance where the Vehicle is not being used /driven in accordance with applicable laws and regulations.

    • Consumable expenses - Any consumable not associated with admissible Own Damage claim under section I (Own Damage) of the policy. If there is no valid and admissible claim under section I (Own Damage) of the policy

    • Return to invoice - We will not pay the financial shortfall under this add-on cover if the Total Loss / CTL and theft claim is not valid and admissible under own damage section of the policy.

    • Repair of glass, fiber, plastic & rubber parts - Cost of painting of parts without any other repair associated with these parts is not covered.

    • Key replacement cover - We will not cover the cost to replace keys to vehicles that you do not own for personal use    

    • Loss of personal belongings - Personal belongings for the purpose of this section means items such as clothes and other articles of personal nature likely to be worn, used or carried and includes audio/video tapes, CDs but excludes money, securities, cheques, bank drafts, credit or debit cards, jewellery, lens, glasses, travel tickets, watches, valuables, manuscripts, paintings and items of similar nature.

    • Engine secure - We will not indemnify you under this endorsement:
      - In respect of loss or damage covered under manufacturer warranty; recall campaign or forming part of maintenance / preventive maintenance
      - Any aggravation of loss or damage including corrosion due to delay in intimation to us and/or retrieving the vehicle from water logged area.
      - Ageing, depreciation, wear and tear.

    • Tyre secure - Loss or damage arising out of natural wear & tear including unevenly worn tyres caused by defective steering geometry outside manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing or shock absorber.
      - Any loss or damage within first 15 days of inception of the policy
      - Any loss or damage occurred prior to inception of the policy
      - Any loss or damage resulting in to total loss of vehicle
      - Routine maintenance including adjustment, alignment, balancing or rotation of wheels/tyres/tubes, theft of tyre(s)/tube(s) or its parts accessories without vehicle being stolen or theft of entire vehicle.
      - Loss or damage to wheel accessories, any other part or rim
      - If vehicle is not repaired at Authorised garage


      For complete list of detailed exclusions & conditions, please refer policy wordings.

2008, Tata AIG General Insurance Company Limited, all rights reserved.

Registered Office : Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai-400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425.

Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation.

For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id –customersupport@tataaig.com. Fax Number – 022 66938170

Privacy policy