Car Insurance

Yes, as per the Indian Motor Vehicles Act, 1988, having at least a third-party car policy is mandatory in India. Also, based on a Supreme Court order issued in 2018, all new cars must be sold with a 3-year third-party car insurance plan.

This depends on various factors. There cannot be one policy that is best for all types of cars. You can assess various factors, such as your car’s make and model, IDV, location, and usage, to determine the best car insurance policy. Compare the different options and choose a policy that best suits your requirements and fits your budget.

Third-party car insurance is the cheapest car insurance, as it offers only the basic coverage required by law. It covers third-party liabilities, including bodily injury and property damage, but does not cover any damage to your own car.

You can consider purchasing either own damage cover with a third-party policy or a comprehensive car insurance policy for complete protection.

Comprehensive car insurance is always considered a better option. This is because it offers complete protection against damages caused to your vehicle and also third-party liabilities. Also, it offers a wide range of optional add-ons that can customise your car insurance policy based on your specific needs.

Yes, you can upgrade your car insurance plan from 3rd party to comprehensive car insurance at the time of renewal. The coverage offered and the premium will be decided after the company conducts a vehicle inspection.

The cheapest car insurance policy may not always be the best choice. Such policies are generally cheaper because they offer limited coverage. Inadequate coverage may not be able to cover all your repair or replacement expenses.

Third-party insurance only covers third-party liabilities, such as property damage and bodily injuries caused to others. It does not cover any damage to your own car.

As per the Indian Motor Vehicles Act, 1988, having at least a third-party car policy is mandatory. And, based on a Supreme Court order issued in 2018, all new cars must be sold with a 3-year third-party car insurance plan.

Yes. Online and offline are just two different modes to purchase your preferred TATA AIG car insurance policy. So, if you purchase our car insurance online through our website, it will be the same as if you purchase it from our branch. However, you can enjoy discounts of up to 85% on premiums with an online purchase.

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.

We always recommend buying car insurance online as it is quick, easy and convenient. You can compare car insurance policies to find the best policy at the most competitive price. There is minimal paperwork required, and no middlemen are involved.

An insurance premium for a car is the amount you pay to the insurance company to receive coverage for risks that may damage your car and any third-party damages incurred by your insured car.

You can use the TATA AIG car insurance premium calculator to determine the premium you have to pay for your car based on the type of plan and add-ons chosen.

The cost of a 1-year car insurance premium is determined based on several factors, such as the car’s age, make, and model, the type of policy chosen, the add-ons included, your location, and more. Since these factors vary, the premium amount differs from one car to another and from one location to another. TATA AIG offers car insurance plans with premiums starting from just ₹2094 per year.

This depends entirely on the type of TATA AIG car insurance policy you choose. A third-party car insurance policy covers third-party injuries or property damage but does not cover damage to your own car.

A standalone own damage insurance covers damages to your car due to various reasons, such as accidents, theft, natural disasters and more. A comprehensive car insurance plan offers coverage for both your own car and third-party liabilities.

For the best protection of your car, yourself and your finances, we always recommend the comprehensive TATA AIG car insurance policy. A comprehensive car insurance policy will cover you against third-party liability and damages to your car, and offer 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.

Zero depreciation (Depreciation Reimbursement) is a very popular car insurance add-on. It protects your finances against the 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.

If you’ve missed your policy renewal deadline, you can contact us, and we will 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 premium should be. If you complete the process within 90 days of your previous car insurance policy’s expiry date, we may even be able to transfer your NCB to your new policy!

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.

You should always purchase a car insurance policy that offers you the best coverage and the most competitive prices. While looking for a policy, consider the car insurance premium, the type of coverage offered, the network garages available, and the kind of add-ons available to you.

If you didn’t renew your car insurance policy on time, you will lose your coverage benefits. You can still get a new car 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 renew 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.

If you miss renewing your car insurance policy on time, it will expire, and you will have no coverage during that period.

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.

Also, renewing your car insurance on time helps avoid legal issues, keeps your coverage intact and ensures continuous coverage.

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.

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 the financer (if any)
• Proof of identity and address
• Pollution Under Control (PUC) certificate
• And tax receipts.
• Original invoice and passport-sized photos, if necessary.

An endorsement in car insurance is a written change or addition to your existing policy. It updates details like the car owner’s name, address, vehicle details, or adds/removes covers such as Depreciation Reimbursement or Engine Secure. It ensures your policy reflects your current needs accurately.

The TATA AIG car insurance claim online process is quick and hassle-free. For cashless claims, you can inform us about the claim, seek approval, and get the repairs done at any of our network garages. We will settle the bills directly with the garage.

For reimbursement claims, you can get the repairs done at any authorised garage and pay for expenses upfront. Later, submit the claim form along with the original bills and receipts, and we will reimburse the eligible amount.

Cashless claims allow you to get your car repaired without having to pay money up front. If you send your car to a network garage, we’ll sort out the cost of the repairs and pay them directly. There is no waiting period or any hassle of reimbursement in cashless claims.

It is generally advisable not to file a car insurance claim for minor or affordable damages, such as small dents, scratches, or minor bumper repairs. Filing a claim in such cases can lead to the loss of your No Claim Bonus, which offers a discount on your renewal premium.

Each coverage request is unique. At TATA AIG, we are committed to settling all car insurance claim requests within 30 days.

This depends on the reason for your claim. If your car has been stolen or if you are involved in an accident, we would need to have a copy of the FIR to start the process.

The online car insurance renewal process takes just a few minutes. Once you enter your car registration number and policy details, we’ll be able to complete the process in just 3-4 clicks. If there’s been a break in cover, the car insurance renewal process could take a little more time. We’ll have to inspect the car before providing you with a quote, which could take 2-3 days.

Absolutely! If you’ve decided to sell your car, you can transfer your TATA AIG car insurance policy to the new owner. But you must remember that the new policy-owner will not be able to benefit from your NCB.

Yes. You can visit the Insurance Information Bureau (IIB) or the Parivahan Sewa website to check the status of your TATA AIG car insurance policy.

TATA AIG sends renewal reminders via SMS and email on your registered mobile number and email ID well before the policy expiry date to help you avoid any lapse in coverage.

Through TATA AIG’s InstaChat on WhatsApp number +919136160375, you can easily access a range of services to manage your insurance needs. You can obtain details about your existing policies, receive reminders and links for policy renewal, and get guidance on filing and tracking claims.

Additionally, you can learn about available add-ons and their benefits, and request quotes for new policies or renewals. This service is designed to provide a seamless and convenient experience, ensuring you have everything you need at your fingertips.

To file a claim using the TATA AIG mobile app, start by downloading the app from the App Store or Google Play. Once installed, log in with your registered mobile number and OTP.

After logging in, navigate to the ‘Claims’ section and select the ‘Initiate Claim’ option. You will need to provide details such as your policy number, incident information, and any supporting documents.

Once you’ve entered all the required information, review the details and submit your claim for processing. The app simplifies the entire claim process, making it quick and easy to manage directly from your phone.

You can view your TATA AIG car insurance policy details using either the TATA AIG website or the mobile app. To access this feature using the website, navigate to the ‘Car Insurance’ section under the ‘Personal’ tab and enter your vehicle registration number. This will enable you to view your car insurance policy details.