Fewer wheels doesn’t mean lesser care needed. Your two-wheeler takes you through longest of distances and the narrowest of streets, so why not return the love they deserve. We understand all the risks, and the protection required to keep your rides smooth and carefree.
At Tata AIG General Insurance Company Limited, don’t just get insured, get protected.
Features and benefits of this plan
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.
Liability to third parties: Subject to the limits of liability as laid down in the schedule of the policy wording here to the Company will indemnify the insured in the event of an accident caused by or arising out of the use of the insured vehicle against all sums which the Insured shall become legally liable to pay in respect of (i) death of or bodily injury to any person including occupants carried in the insured vehicle (provided such occupants are not carried for hire or reward) but except so far as it is necessary to meet the requirements of Motor Vehicles Act, the Company shall not be liable where such death or injury arises out of and in the course of the employment of such person by the insured. (ii)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:
Tata AIG General Insurance Company Limited will pay for accidental death or bodily injury sustained by Owner - Driver of the vehicle. Please refer the policy wording for more details.
For complete list of detailed features and benefits, please refer policy wordings.
Add-ons to make the policy stronger
To give you and your vehicle extra protection
Third Party Property Damage cover will allow you to increase the maximum payable amount for third party property damage.
Additional Personal Accident Cover to Owner-Driver will let you raise the maximum payable amount for personal accident.
Personal Accident Cover to unnamed persons will allow you to raise the maximum payable amount for accident involving a passenger.
Emergency Medical Expenses will reimburse you for medical expenses incurred for bodily injury sustained by You in relation to the insured two-wheeler.
Consumable Cover will reimburse the cost of replacing/replenishing engine oil, nuts & bolts etc. arising from an accident.
Please Note - Add-ons are available at additional premium
For more details on Add-ons, please refer policy wordings.
Situations in which the policy won’t work
Policy doesn’t work if
Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages;
Damage to Tyres and Tubes unless the vehicle is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement.
loss of or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time; and
any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.
Any accidental loss damage and/or liability caused sustained or incurred outside the Geographical Area.
Any claim arising out of any contractual liability.
Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the Limitations as to Use or being driven by or is for the purpose of being driven by him/ her in the charge of any person other than a Driver as stated in the Driver’s Clause.
For more details on product features, terms/conditions and exclusions please refer to the policy wording.