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Car Insurance
Let’s get you started on your car insurance journey!
Car insurance or four-wheeler insurance is an agreement between a car owner and the car insurance provider that offers protection to the four-wheeler owners in the case of financial losses due to unforeseen events like accidents and natural calamities.
TATA AIG General Insurance Company offers a range of comprehensive car insurance, own damage car insurance, third-party car insurance policies online to help you choose the type of coverage and protection your car needs. You can further enhance your comprehensive car insurance coverage with various add-ons. Fill in your car details and check the quote to find the car insurance policy ideal for your four-wheeler!
What is Car Insurance?
Car insurance provides financial protection if your car is damaged in an accident, fire, or natural disasters like floods or earthquakes or lost due to theft.
When you buy car insurance, you pay a premium, and in return, the insurer covers repair or damage costs caused by accidents as per the terms of your policy. This saves you from paying large expenses out of your own pocket if something happens to your car
There are different types of car insurance to choose from. A third-party car insurance policy covers damage caused to others, including their vehicle or property, and any legal liabilities for injuries or death. Own Damage Insurance covers the cost of repairs or replacement of your own vehicle if it is damaged due to accidents, theft, fire, natural disasters (like floods or earthquakes), or man-made events (such as riots or vandalism) A comprehensive car insurance policy offers wider protection. It includes third-party cover as well as coverage for damage to your own vehicle.
This can include damage caused by accidents, theft, fire, natural disasters like floods or earthquakes, and man-made events such as riots or vandalism. You can also enhance your policy with optional add-ons like Bumper-to-Bumper Cover also known as Zero Depreciation (which ensures full claim without depreciation deduction), engine protection, roadside assistance consumable cover, no claim bonus protection, and others.
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To put it simply:
- Third-party insurance covers damage to others
- Own damage insurance covers damage to your vehicle.
- Comprehensive insurance combines both and offers stronger protection with add ons.
Car Insurance for EVs
Electric cars rely on high-voltage batteries and specialised components that can be costly to repair. TATA AIG offers insurance plans tailored for EVs, addressing their unique risks.
The Electric Surge Secure add-on covers damage from short circuits, power surges, and protects charging equipment. Charging equipment supplied with the EV is covered under the base policy for standard perils, but surge-related risks require this add-on. Only the portable charger provided with the EV is included in the Insured Declared Value (IDV).
TATA AIG General Insurance Company also provides Bumper to Bumper Cover and Engine Secure add-ons. Engine Secure applies to ICE and hybrid vehicles but is not needed for pure electric cars.
You can compare options and select coverage that fits your EV and budget, whether buying new or renewing.
Sales of electric vehicles (EVs) are growing rapidly. These vehicles contain high-voltage batteries and specialised components that can incur significant repair costs if damaged. Tata AIG offers insurance policies designed to provide financial protection for EV owners by covering the costs of repairs arising from accidental damage and specific electrical faults.
One important feature is the Electric Surge Secure add-on, which covers repair costs resulting from damage caused by short circuits, power surges, and similar electrical faults. While the charging equipment supplied with the EV is covered under the base policy for standard perils, surge-related damage is covered only through this add-on. Only the portable charger provided at the time of purchase is considered part of the vehicle and must be included in the Insured Declared Value (IDV).
Tata AIG also offers add-ons such as Zero Depreciation and Engine Secure. The Engine Secure add-on is applicable to vehicles with internal combustion engines (ICE) and hybrid electric vehicles but is not applicable to pure electric vehicles.
Read More: Electric Car Insurance
Key Features of Car Insurance
| Key Features | Benefits of Tata AIG Car Insurance | |
|---|---|---|
Savings & Affordable Premiums | Save up to 75% on car insurance premiums by buying your policy online | |
Claim Assistance | Our 650 claim experts across India ensure an easy and quick claim process for you | |
Damages to Third Party | Damages to a third party or third-party property are covered | |
Own Damage Cover | With our Own Damage cover for your car, we can cover damages from accidents, man-made disasters, and natural disasters | |
Customisable with Add-ons | Up to 13 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 | |
Buy/Renew Car Insurance Online | Quick renewal of your car insurance with an easy 3-step process with Tata AIG |
Why Do You Need Car Insurance?
Car insurance or a four-wheeler policy is necessary to protect your car and you from various situations and scenarios that lead to financial damages. Here are some of the reasons why you need to have a third-party or comprehensive four-wheeler insurance policy:
Compliance with the law
According to the Motor Vehicles Act, having a third-party car insurance policy is compulsory by law. Therefore, every car plying on Indian roads must be covered at least by 3rd party insurance.
Without a valid policy, you could get into trouble with the law and have to pay hefty traffic fines.
Protection from third-party liability
Third-party liability arises when the insured four-wheeler causes accidental damage to a third-party vehicle or property or injuries to a third-party person. Third-party car insurance or even a comprehensive car insurance policy covers these third-party liabilities and protects the policyholder of the insured car from financial damages.
At Tata AIG, we offer four-wheeler insurance policies with basic and extensive insurance coverage to protect you from a host of damages.
Cover against theft
If your four-wheeler or the car parts are stolen, then your car insurance policy can cover the financial damages and compensate you for the loss of the car or the replacement or repair of the car parts.
In case of total loss (damaged beyond repair) or theft of your car, Tata AIG ensures a quick and convenient settlement process to provide you with the sum insured of your car.
Protection against financial losses
A bump or deep scratch on your car due to an accidental collision or an act of vandalism can lead to financial damages.
Here, an Own Damage cover or comprehensive car insurance is useful as they offer complete protection to the insured vehicle from various kinds of damages, right from theft and accidents to damage due to natural disasters and more.
Cover against natural calamities
In case of floods, cyclones, storms, earthquakes or other natural calamities, your car can face significant damages and the extent of repairs can get costly.
The financial plan provided by your four-wheeler insurance cover helps take care of these damages so that your car is safe and in good condition even in harsh weather.
Personal Accident Cover
With a car insurance policy, you can avail of a personal accident cover of up to ₹15 lakhs, as per guidelines issued by the Insurance Regulatory and Development Authority of India, in the event of bodily injuries, disability or even death of the policyholder or the owner-driver of the vehicle.
No Claim Bonus
With No Claim Bonus (NCB), you can enjoy discounts on the renewal OD premium after consecutive claim-free years. You start with a 20% discount after one claim-free year, which goes up to 50% from the fifth consecutive claim-free year.
Access to Cashless Garages
With a network of over 12000 cashless garages, you can ensure that your car will be taken care of in the event of damages or losses. You need not worry about settling the payment; simply file a claim with us, and we will settle the dues with the cashless garage at the earliest!
Points To Consider While Choosing Car Insurance
The process of buying car insurance is simple but takes time and quite a bit of research. Moreover, it is of utmost importance to get at least a third-party car insurance policy from a legal standpoint.
Tata AIG understands the importance of having a suitable four-wheeler insurance policy and offers car insurance policies that cater to varying individual needs and budgets.
Below are some points you should consider when you buy car insurance:
Decide Insurance Type
While choosing four-wheeler insurance, you can choose between a basic third-party liability cover and a comprehensive insurance cover.
While having a basic third-party insurance cover is a legal compulsion and covers damages caused only to a third-party individual or property, a comprehensive car four-wheeler policy offers more extensive coverage that offers protection against accidental damage, damages due to loss and theft, natural and man-made disasters and also offers a personal accident cover.
We at TATA AIG also provide varied types of car insurance, such as Comprehensive Car Insurance Policy, Stand Alone Own Damage Car Insurance Policy, and Third-Party Car Insurance Policy. This array of choices so that you can find the car insurance type that best suits you and your car’s needs.
Policy Terms and Conditions
The policy coverage of your car insurance policy will depend mainly on your needs and your budget. Apart from that, your car’s make and model, the area you live in and other factors will affect the policy coverage. While choosing a suitable insurance policy, you can use the Tata AIG car insurance calculator to calculate and compare the coverage of various policies before making an informed decision.
Availability of Add-ons
While you buy car insurance online or renew your policy, you can consider extending or enhancing your policy cover with the help of appropriate add-ons. We offer a set of 19 unique add-ons such as Key Replacement, Return to Invoice, Engine Secure and more, that meet various situations outside the scope of your car insurance policy. A selection of the appropriate add-ons in your car insurance policy can provide an all-round protection to your four wheeler.
Check Insured Declared Value
The IDV or Insured Declared Value of the car is its current market value. When calculating your car insurance, the IDV is important as it is the amount your car is insured for. In case of “total loss” - complete damage or theft of the car - the policyholder receives the Insured Declared Value when the claim is settled. Always select the IDV carefully as a lower IDV means insufficient compensation in the event of total loss, even though it means lower policy premiums. On the other hand, a higher IDV could mean paying more expensive premiums.
Network of Cashless Garages
If your car sustains minor or major damage due to an accident, you can visit any of your insurer’s network garages for repairs. By choosing a network garage, you can avail of cashless claims, where the insurer directly settles the repair costs with the garage, reducing your immediate financial burden.
Compare Quotes
TATA AIG General Insurance Company’s online Car Insurance Calculator makes it easy for you to compare different four-wheeler insurance policies online. Depending on your budget and requirements, you can choose the insurance amount, the add-ons and then compare different plans to find the appropriate one to protect your car.
Check Claim Settlement Ratio, review, and service offered
The claim settlement ratio of a company is an important factor to be considered while purchasing your car insurance. If your insurer’s claim settlement ratio is high, it indicates a better chance of your claims being settled on time. Similarly, the service offered by the insurance company directly affects customer loyalty and should be checked before you buy a four-wheeler insurance policy from the company.
Types of Car Insurance Policies by TATA AIG
TATA AIG General Insurance Company offers car insurance policies designed to meet your specific needs. Whether you need comprehensive coverage or basic third-party coverage, TATA AIG General Insurance Company has the right policy to ensure you’re protected from unexpected financial losses arising with an insured vehicle.
Your premium cost is influenced by factors such as the car's Insured Declared Value (IDV), make, model, engine capacity, location, and any add-ons you select. Add-ons may include options like Zero Depreciation cover (which covers full claim without depreciation), engine protection, roadside assistance etc.
Understanding these factors helps you choose a policy that suits both your car and your budget. Make sure your car is protected by selecting the coverage you need with TATA AIG General Insurance Company’s car insurance policies.
Comprehensive Car Insurance Policy
A comprehensive car insurance policy provides you with broad coverage, taking care of both, your own vehicle and third-party liabilities. It includes protection for damage caused by accidents, theft, fire, and natural disasters, giving you the confidence to drive without worrying about the unexpected events or financial burdens that could arise from accidents.
While this policy offers extensive protection, it doesn't cover everything. There are specific situations, like accidents in restricted areas or damages caused by drunk driving, that are outside the scope of your coverage. It's important to understand these exclusions so you're fully aware of your policy’s limits.
Comprehensive Car Insurance Policy Details:
Coverage - Own car damage, third-party liabilities, theft, fire, natural disasters
Not Covered - Damages from drunk driving, accidents in restricted areas (like war zones or civil unrest), and accidents from illegal activities or racing
Premium Range - Varies based on IDV, car model, add-ons, and other factors
Stand Alone Own Damage Car Insurance Policy
A own damage cover (SAOD) covers damages to your own vehicle due to accidents, theft, fire, and natural disasters. However, it does not cover third-party liabilities, for which Third Party insurance must be purchased separately.
Stand-Alone Own Damage Car Insurance Policy Details:
Coverage - Own car damage due to accidents, theft, fire, natural disasters
Not Covered - Third-party liabilities, drunk driving, and accidents in restricted areas (e.g., war zones, civil unrest,etc).
Premium Range - Depends on IDV, car model, location, and add-ons
Stand Alone Third Party Car Insurance Policy
A standalone third party car insurance policy is mandatory by law and provides coverage for damages caused to another person's vehicle, property, or any injuries caused by your car. It ensures that you’re financially protected if you're responsible for damage to others.
Stand-Alone Third-Party Car Insurance Policy Details:
Coverage - Third-party vehicle/property damage, legal liabilities
Not Covered - Own car damage, personal accident covers for the driver or passengers in your car. which may be available as an add-on.
Premium Range - Determined by IRDAI.
Third-party vs Comprehensive Car Insurance vs Own Damage Car Insurance
The two primary types of car insurance available in India are - comprehensive car insurance & third-party car insurance. To choose the right policy for your needs, you need to understand the difference between third-party and comprehensive insurance policies. Here is a comparative study to help you make a decision:
| Comprehensive | Third Party | Own Damage | |
|---|---|---|---|
Coverage | Covers own damage, third-party liabilities, theft, natural calamities, and man-made disasters. | Covers third-party injury, death, or property damage. | Covers damages to the insured car due to accidents, fire, theft, and natural calamities (third-party not included). |
Legal Requirement | Not mandatory. | Mandatory under the Motor Vehicles Act, 1988. | Not mandatory, but can only be purchased if you have an active third-party policy. |
Cost | Higher due to broader coverage. | Cheapest as it offers basic coverage. | Cost depends on car value and selected add-ons; total cost with third-party policy may approach that of a comprehensive policy. |
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. | No third-party coverage, wear & tear, or negligence.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). |
Add-ons | Available (bumper to bumper cover, roadside assistance, etc.). | Not available. | Available (zero depreciation cover, engine protection cover, etc.). |
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:
Damages caused to the car by an accident
Your car can suffer minor to major damages based on the severity of the accident. A comprehensive four-wheeler insurance policy and a standalone own damage cover will take care of the financial liabilities arising from the repairs necessitated by accident.
Theft of the Car
Tata AIG’s comprehensive car insurance policy compensates you up to the Insured Declared Value(IDV) if your car is stolen. The IDV is based on the manufacturer’s price at policy start, adjusted for depreciation.
For Stand-Alone Own Damage (SAOD) policies, theft coverage applies only if an active third-party (TP) policy is in force, and the SAOD policy period matches the TP policy.
Damages due to natural disasters
With a comprehensive car insurance policy or a standalone own damage cover, you will get financial protection against the damages caused by natural disasters like cyclones, flood, snowfall, frost, earthquakes, rainfall, etc.
Damages due to man-made calamities and fire
The own-damage cover or a comprehensive four-wheeler policy will offer coverage against the damages caused by riots, terrorist attacks, strikes and malicious man-made calamities., along with the fire damages resulting from lightning, explosions, self-ignition and so on.
Damages incurred in transit
Sometimes you may need to move your car from one location to another through waterways, railways, roadways, airways, etc. The damages caused to the car during transit are covered under a comprehensive car insurance policy as well as under a Standalone Own Damage (SAOD) policy
Third-Party Liability Cover
We cover 3rd party liabilities under our third-party car insurance as well as comprehensive car insurance policies. The bodily injuries to a third party, death of a third party and damages to the third-party property caused by the insured four-wheeler are covered under the third-party liability cover.
Personal Accident Cover for the Owner-Driver
You can also choose to have a Personal Accident Cover to the tune of ₹15 lakhs with your third-party or comprehensive car insurance plan. This cover offers protection against permanent total disability, death and major injuries caused to the owner-driver as a result of an accident. With TATA AIG General Insurance Company, you can also add an optional accidental cover for Passengers inside your car– if you need added coverage over the Personal Accident Cover. Specific Coverage with Various Car Insurance Add-ons.
You can enhance your comprehensive car insurance cover by choosing from a list of car insurance add-ons. Get coverage for specific circumstances with a Roadside Assistance Cover, specific parts of the car with the Engine Secure and Tyre Secure covers, depreciation of vehicle with a Zero Depreciation Cover (Depreciation Reimbursement) and so much more with our car insurance add-ons!
What's Not Covered Under Car Insurance Policy by Tata AIG?
- Damages suffered after driving without a proper license
- If the vehicle is used outside the geographical area i.e. outside India
- Damages caused due to driving under influence of alcohol or drugs
- Ordinary wear and tear due to regular usage and depreciation.
- Costs insured towards general maintenance of the vehicle.
- Damages caused due to negligence of the driver
- Using a private vehicle for commercial usage
- Damages caused due to speed racing, crash testing, etc.
- Damages caused due to war or war-like situations in the country, and nuclear peril.
- Damages covered under a specific add-on when the add-on is not included
Policy Documents Downloads : Click Here
Tata AIG Car Insurance Add-on Covers
Add-on covers are additional benefits you can add to your car insurance or four wheeler insurance to enhance the protection offered by your policy. Tata AIG offers 19 such add-ons that you can choose from:
No Claim Bonus (NCB) Protection
The No Claim Bonus or NCB Protection cover enables the policyholder to file a certain number of car insurance claims during the policy year while retaining the NCB discount. This add-on is helpful if you want to file a claim and also protect your NCB discount.
However, there is a limit on the number of claims that can be raised with this add-on. The NCB Protection is available only with a comprehensive car insurance policy.
Zero Depreciation (Depreciation Reimbursement)
When you file a claim for damages, a zero depreciation
or nil depreciation (Depreciation Reimbursement) add-on enables you to be reimbursed for the deducted cost of depreciation on your car’s parts.
Hence, you can receive the complete sum insured without the deduction of the depreciation. However, you can avail of this benefit only for the first two claims that are filed. This add-on is only applicable to your own-damage car insurance policy or comprehensive car insurance policy.
Return to Invoice Cover
When you file a claim for the total loss of your car due to theft or complete damage, this add-on helps cover the difference (due to depreciation) in the cost between the purchase price and the compensation amount.
Also, if a new car of the same make and model is available, we will reimburse the difference between the claim amount and the cost of the new model. We will also pay for the registration charges and the road tax you have paid for the car.
Engine Protection Cover
The Engine Secure cover protects you against repair or replacement costs of internal engine parts, including the gearbox, transmission, and differential assembly, arising from accidental damage to your vehicle.
Coverage applies specifically when damage is caused by water ingress into the engine or leakage of lubricating oil from these assemblies. This add-on excludes damage caused by normal wear and tear, corrosion due to delay in reporting the damage, and losses arising from improper vehicle maintenance.
Repair of Glass Fibre and Plastic Parts
Repair of Glass, Fibre, Plastic & Rubber Parts cover provides repair costs (not replacement) for accidental damage to glass, plastic, rubber, or fibre parts of your vehicle. Opting for this add-on will not affect your No Claim Bonus, provided this is your only claim and does not exceed one claim during the policy period. However, costs related to painting these parts without accompanying repairs are not covered under this add-on.
Key Replacement Cover
The key replacement add-on covers the cost of replacing your lost car keys in case the car or key is stolen.
Tyre Secure Cover
Tyre Secure Cover protects against repair or replacement costs of tyres and tubes damaged due to accidental causes. It does not cover damage caused by natural wear and tear, uneven tyre wears due to defective steering geometry or wheel balance issues, losses occurring within the first 15 days of the policy, or damage that results in the total loss of the vehicle.
Roadside Assistance Cover
Roadside assistance is an add-on that provides round-the-clock breakdown assistance to your insured car and you if the car breaks down in a remote location with no aid nearby.
Your insurance provider will send a team to refuel, tow, or offer a mechanic’s services in an emergency.
Consumables Cover
With this add-on, we cover the cost of the consumables in your insured car that are lost and have to be replaced due to an accident.
Consumables include air conditioner gas, engine oil, gearbox oil, nuts and bolts, oil filters, and so on. However, this add-on does not cover the cost of fuel.
Compulsory Personal Accident (Owner-Driver)
This type of cover in a third-party or comprehensive car insurance policy offers compensation up to ₹15 lakhs to a policyholder in the event of disability due to a car accident with the insured car involved.
In case of accidental death involving the insured vehicle of the policyholder, the compensation is given to the policyholder’s family.
Personal Accident Cover for Passengers
With Tata AIG, you can also add an optional cover – Liability to Unnamed Passengers – if you need added coverage over the Personal Accident Cover. The compensation under this add-on can be up to ₹X.
This will allow you to safeguard your co-passengers in case of unfortunate accidents leading to severe injuries for them.
Daily Allowance
If your car has an accident and is required to stay in the garage for a long time, the Daily Allowance add-on provides you with an amount for your travels without your car.
The amount is payable for 10-15 days, subject to the cause of the four-wheeler insurance claim.
Emergency Transport and Hotel Expenses
Suppose your car is involved in an accident, and you are unable to reach your destination.
In that case, this add-on pays for your overnight accommodation in a hotel and the travel charges to return home or to the city closest to your destination.
Loss of Personal Belongings
This add-on helps cover the loss or damage of personal belongings such as clothes, videotapes, audio tapes, and CDs in case of an accident.
However, it does not cover the loss or damage of belongings such as debit and credit cards, jewellery, money, watches, etc.
Emergency Medical Expenses
With this add-on, you can benefit from financial support for medical emergencies in case you, the driver, or a car passenger has sustained severe bodily injuries due to an accident.
Within this cover, you get support for ambulance charges and up to ₹5000 or 5% of the total sum assured (whichever is lesser) towards the cost of supporting items for movement like wheelchairs, crutches, artificial limbs, etc.
Electrical Surge Cover - for ElectrIc Cars
With this specific add-on cover for electric vehicles, you can benefit from partial or total compensation in case of loss or damage to your car due to self-heating, water ingression, short circuits, leakage of electricity, and damage to charging equipment arising out of arcing.
Vehicle Loan Protector
This add-on helps pay off the policyholder’s car loan in specific situations.
It applies if the owner-driver dies or is permanently disabled due to an accident involving the insured vehicle, provided the vehicle is damaged by a covered peril in Section I of the policy.
Misfueling
If your car receives contaminated or incorrect fuel, causing damage, this cover will help you get the necessary support for repair or replacement expenses and flush out the incorrect fuel.
Moreover, if you submit the necessary bill, you can also receive compensation of up to ₹2000 for the wrong/contaminated fuel.
How Is TATA AIG Different?
When you buy a car, you conduct thorough research - from the engine to the design, from the model’s performance to the brand’s reliability, from the USP to the price, you check it all. You should follow the same process when finalising a car insurance policy. If you are looking to insure your four-wheeler, here’s why you should consider the Tata AIG motor insurance policy:
The TATA AIG Promise
23 years of Tata AIG, signifies the promise of commitment, transparency and integrity with every car insurance policy.
Performance-Driven
With over 650 claim experts across India, we work hard to make sure that your vehicle insurance experience is seamless.
Customer-Centric
We offer a wide network of 7,500+ garages and boast of a huge and satisfied family of 5 crore customers
Why Buy a Car Insurance Policy Online?
Buying car insurance online is a simple and efficient way to secure coverage:
Convenience:
Compare policies and purchase from anywhere.
Savings:
Online policies usually offer additional discounts, but premiums depend on factors like IDV, car model, and add-ons.
Quick Process:
Paperwork is minimal, though some cases (e.g., expired policies) may require additional verification before approval.
Customisable Coverage:
Choose plans and add-ons based on your needs and eligibility.
Secure Payments:
Payments are secure, but policy issuance may require approval in some cases.
Opting for online car insurance saves time and ensures continuous protection for your vehicle.
Factors Affecting Car Insurance Premium
Most car insurance policy purchases are decided on the cost of the four-wheeler insurance policy. Owner-drivers compare car insurance policies based on the premium to be paid and generally choose the lowest-priced one. Therefore, if you wish to choose a cost-effective car insurance plan, you need to know the factors affecting the premium. Here they are:
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 every year, the IDV/Insured declared value falls along with the policy premium.
Insurance Coverage
The type of policy you purchase for your car decides the cost of the car insurance policy premium. A policy such as third-party insurance would cover only the third-party liabilities, which will come at cheaper premiums. Meanwhile, a comprehensive car insurance policy will cost more as it would cover all parties involved - you, your car, third-party and third-party property. Meanwhile, our other types of insurance such as standalone own damage policy provide a gamut of options in cover, which in turn delivers options in premium amounts.Meanwhile, a comprehensive car insurance policy will cost more as it would cover all parties involved—you, your car, third-party, and third-party property. Meanwhile, our other types of insurance, such as standalone own-damage policies, provide a gamut of cover options, which in turn deliver options 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.
How To Calculate Car Insurance Premiums?
The car insurance premium drives the choice of a four-wheeler insurance policy by individuals. As seen in the above section, there are many factors that affect this premium. But do you know how you can calculate the exact premium for your choice of car insurance policy? Below are the popular methods of calculating your four-wheeler insurance premium:
Calculating your car insurance premium with our online premium calculator
A car insurance premium calculator is an online tool provided by insurance companies to help you calculate your premium in a jiffy. Simply enter the required information, select the policy coverage and add-ons and click on Get Price. The calculator will display the total premium you need to pay to buy the four-wheeler insurance coverage you need.
Calculating Own Damage Insurance Premium
The premium for an own damage insurance policy is calculated as follows:
[Insured Declared Value*Premium Tariff as decided by Insurer] + Add-ons – [Discounts like NCB]
Calculating Insured Declared Value of your vehicle
The IDV for your vehicle is calculated as follows:
[List price of the car manufacturer – depreciation deduction] + [Cost of vehicle accessories which are not a part of list price – depreciation deduction of accessories]
Calculating Third Party Car Insurance Premium
As per the notification issued by IRDAI for the financial year 2022-2023, the premium rates that apply to Motor Third Party Liability Insurance for Private Cars effective from 1st June 2022 are as follows:
| Engine Cubic Capacity | IRDAI Notified Premium | |
|---|---|---|
Not exceeding 1000 cc | Rs. 2,094 | |
Exceeding 1000 cc but not exceeding 1500 cc | Rs. 3,416 | |
Exceeding 1500 cc | Rs. 7,897 |
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:
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.
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.
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.
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.
How to Renew Your Car Insurance Policy?
Visit the official TATA AIG General Insurance Company website and open the ‘Car Insurance Renewal’ section.
Enter your policy details, vehicle registration number, or mobile number for verification. TATA AIG General Insurance Company will use these details to retrieve your policy and verify your identity.
Check the updated renewal price based on your Insured Declared Value (IDV), No Claim Bonus (NCB), and add-ons. The renewal amount will vary depending on your vehicle's current value and any claims during the previous policy period.
Select eligible add-ons, such as Zero Depreciation or Engine Protection, if applicable. Note that some add-ons may not be available if the vehicle exceeds the eligibility criteria.
Verify your details and renewal terms, including your No Claim Bonus (NCB) benefits and updated IDV. NCB may be applied if there were no claims during the previous policy period.
Make the secure payment for the renewal. If your policy has lapsed beyond the grace period, TATA AIG General Insurance Company may require a vehicle inspection before approval.
Download the updated policy after completing the payment. Set renewal reminders to avoid any future lapses in coverage
Benefits of TATA AIG Car Insurance
Buy Policy Online
All it takes is three easy steps, and you can get your car insurance policy online without any delays.
Browse our plans, select one based on the type and coverage and as per your requirements and finally, purchase your policy without any hassles. Our online four-wheeler insurance purchase process is quick, simple and paperless!
Once you pay the premium of your car insurance policy, we will send you the policy document in your email, which you can print if needed.
Customisation with Add-on Covers
When you purchase our comprehensive car insurance policy, you can choose from our offering of 12 add-ons to extend the coverage.
These add-ons help customise your four-wheeler insurance policy based on your specific needs. From Zero Depreciation (Depreciation Reimbursement) to Key Replacement, we have what you’re looking for in a car insurance policy!
Easy claim process
When you file a claim on your car insurance policy, we offer an online claims process that is quick and convenient.
Simply visit the Tata AIG website and click the “Claims” section on the top right-hand side of the car insurance page to complete the online claim form.
You will need to provide a few basic details, such as your car insurance policy number, contact details and some information about the incident. After which, we will immediately initiate your claim process. We also enable you to track the status of your claim for more transparency.
We Have a Wide-Reaching Network of Garages
Cashless claims with TATA AIG’s car insurance policy are easy. We have a network of over 12,000 garages across India, so no matter where you are, you’ll have a network garage close by for a cashless claim.
If you’re unable to get to one of our network garages, you don’t need to break a sweat. You can head to any trusted garage and get the repairs done. We’ll work on getting you a reimbursement claim instead. Either way, your car will be taken care of.
Security of your four-wheeler
Our car insurance policies are well-equipped to help you keep your car protected from various kinds of damages, be it theft, loss or damage due to accidents or natural and man-made calamities.
No matter what happens to your car, we will help you cover the losses without any hassles.
Benefits of Car Insurance Renewal Online with Tata AIG
When it comes to buying a car insurance policy, here are some of the important reasons why you should get your four wheeler insurance policy online:
Quicker Process
To complete car insurance renewal online, you only need 3 steps with Tata AIG. This process is quick and ensures instant delivery of the renewed policy without the need for an agent or long queues.
Zero Paperwork
The online car insurance renewal process reduces the hassle of physical documents. You no longer require paper documents and additional physical forms to renew a policy, making it a quick and efficient process with instant policy delivery.
Continuous Coverage
With Tata AIG's online renewal process, forgetting due dates or realising the need for car insurance renewal very close to the expiry date is no longer an obstacle. This ensures you benefit from continuous coverage under your policy, keeping your car and personal safety in check.
Avoid Penalties
Driving with a valid car insurance policy, especially third-party car insurance, is mandatory to avoid non-compliance towards traffic rules and regulations, attracting hefty fines. However, with the ease of online car insurance renewal, you can avoid penalties with the convenience of instant renewals from anywhere.
What Happens If Your Car Insurance Expires?
In case you fail to renew your four wheeler insurance before it expires, do not fret. When there is a break in the policy, you can buy fresh cover for your vehicle; however, we might need to send an inspector or surveyor to inspect your vehicle before the policy is issued. Need more? If you purchase a expired car insurance from us within 90 days from the expiry of your previous policy, you may be allowed to keep your No Claim Bonus (NCB).
Here is how you can renew an expired car insurance policy with Tata AIG:
Step 1 - Go to the TATA AIG car insurance renewal page.
Step 2 - Input your car registration number. Click on ‘Renew.
Step 3 - Provide the details as prompted by the screen. Choose from the list of add-ons, such as:
- Zero Depreciation Cover (Depreciation Reimbursement)
- Roadside Assistance Cover
- Return to Invoice Cover
- Engine Secure
- Tyre Secure
- No Claim Bonus (NCB) protection, etc
Step 4 - Also, keep at hand information about any claims made in the previous policy tenure and date of expiry of the policy. Additionally, you will need details of the car’s make and model and your personal information.
Step 5 - After you submit all the details, your car insurance premium is generated and displayed on the screen.
Step 6 - Complete your car insurance premium payment online, and your expired policy is renewed!
Once renewed, the car insurance policy will be emailed to your authorised email ID. Always carry a copy of your insurance policy when driving your car.
Benefits of Buying Car Insurance Online
Car insurance is a crucial financial safety net that protects you against financial losses that may arise from road accidents, theft, and other unforeseen incidents. With the advent of technology, buying car insurance has become much more convenient, especially in India, where buying car insurance online has become the norm. There are several benefits of buying car insurance online in India, which are discussed below.
Convenience: One of the major benefits of buying car insurance online is that it offers great convenience. You can either buy it online or choose to get in touch with an agent. Moreover, it is possible to compare different insurance policies, check their terms and conditions, and buy the one that best suits your needs.
24x7 Availability: You can buy a car insurance policy of your choice at any time and from anywhere. On your insurance provider’s 24x7 online portal, you can get in touch with the customer care team and have all your queries answered so that the purchase becomes easier.
Easy Comparison: When you buy car insurance online, you have access to a wide range of insurance policies. This makes it easier for you to compare the different policies and their features. You can compare the coverage, premium, and other important details without visiting multiple insurance agents or brokers.
Quick and Simple: Buying car insurance online is quick and simple. You just need to fill out an online form with your personal and car details, select the policy you want to buy, and make the payment. The entire process is simple, and straightforward, and can be completed in just a few minutes.
Affordable Premiums: Another great benefit of buying car insurance online is that the premiums are usually lower than buying the policy online. This is because online insurance companies save on costs related to brick-and-mortar offices, sales agents, and other expenses, which they pass on to the customers through lower premiums.
Discounts and Offers: You may be able to access discounts and special offers for buying car insurance online. For instance, the No Claim Bonus is an incentive that you can make the most of when you do not file a claim for one or more policy years on your car insurance policy.
Why Immediate Insurance Renewal for Your Car is Important?
A car insurance policy acts as a shield against unexpected circumstances while you are driving on the road. Thus, letting your car insurance expire can bring significant financial and mental implications.
You must car insurance renewal process at least 1 week before the expiry date, and here is why you must do so -
Avoid Fines—Driving without a valid car insurance policy is against the law and can result in traffic fines. Thus, renewing immediately ensures continuous coverage and compliance with the law.
Reduced Risk of Losing NCB Cover - With immediate car insurance renewal, you can benefit from continuous No Claim Bonus that will reduce the premium value for timely renewal for every claim-free year. Any gap in renewal can risk resetting your NCB to zero, resulting in higher premiums.
Low Scope of Missing Due Dates - Remembering due dates all the time can be a hassle, especially since everyone has many things to worry about. Thus, instead of postponing renewal until a day before the due date, completing it immediately ensures zero risk of losing policy coverage due to forgotten due dates.
Avoid Out-of-Pocket Expenses in Emergencies - Accidents can occur anytime without a heads-up. Thus, completing car insurance renewal now will safeguard your out-of-pocket expenses, which might be significant in case of delayed renewal, resulting in a total loss of coverage.
How to Renew Expired Car Insurance Online?
With Tata AIG, you can renew an expired car insurance policy online - Tata AIG policy as well as other company plans - within a grace period of 90 days after the expiry date with ease.
The online process makes it very easy to renew your car insurance from the comfort of your home for continuity in financial protection.
Check the Expired Policy
Understand your expired policy to assess the coverage details, eligible inclusions and exclusions, and combined add-ons.
Fill the Required Details
Enter your car registration number and select “Renew” to view the existing Tata AIG insurance policy information regarding coverage, add-ons, etc. If it is another company’s policy, click on “Get Quote”.
Simultaneously, fill in all the necessary details about yourself.
Choose Add-on Covers
Select IDV or NCB if applicable and remove or choose necessary add-ons to combine with your base policy as per coverage needs
Check and Verify the Details
Review all the information added for the policy application and view the final quote based on your choices.
Make the Payment
Complete the required payment using one of the online payment methods.
Receive the Policy
Get your renewed car insurance policy to your email address.
How To File A Four Wheeler Insurance Claim?
We hope it never comes to this, but if there’s an accident or something happens to your car, you will have to file a claim. The easiest way to file a car insurance claim is online. Here’s a step-by-step break down of TATA AIG’s car insurance claims process:
After making sure that you and your co-passengers are safe, it is advisable to inform your insurance provider of the incident at the earliest and get your claim registered.
To register your claim online, you need to log in to your Tata AIG online and click on 'Claim'.
- Once you are redirected to the online claim form, you will need to furnish the following information:
- Your car insurance policy number
- A few personal details, including your name, number and address License details, or the license details of the driver
- A few details regarding the incident
- A copy of the FIR if there was an accident
In the car insurance claim form, you will also need to specify if a third-party was harmed or if third-party property was damaged.
Once you’ve finished entering all the details, you simply need to click ‘Submit’.
After your claim is registered with us, we will provide you with a Claim Registration Number. State this number in all your communication concerning the claim status and settlement."
After you have filed a claim and submitted all the required documents, an inspector or surveyor will visit you to assess the damages caused by the incident. Our experts will peruse your car insurance claim form when the assessment is complete and determine the quantum of damage sustained by your vehicle.
Based on the surveyor's report, we will schedule your vehicle for a visit to either one of our 7500+ network garages or a non-network garage of your choice.
If you choose a network garage, you can make a cashless claim and get your repairs done without the need to pay anything out of your pocket.
If you cannot reach one of our network garages, you can take your vehicle to your trusted garage and pay for the repairs on your own. The cost of repairs borne by you at a non-network garage will be reimbursed against your car insurance cover.
Depending on your location and preference, you can get your car repaired at a cashless network garage or a non-network garage.
Once repair work to your vehicle has been completed, we will move to settle the claim after a thorough inspection of your policy documents, add-on covers, additional discounts and claims history. Once all your car insurance claim related documents have been verified, we extend our settlement offer for the cost of repairs. For claims made at non-network garages, owners will be offered a settlement for reimbursements. We ensure a speedy and seamless claim settlement. However, if you wish to track the status of your claim after filing it, you can do so here.
Documents Required for Filing a Car Insurance Claim
The lists provided below are standard documents required for filing a car insurance claim for accidental damage or theft. However, there might be additional documents based on the type of claim you file.
It is recommended to speak to a customer service representative to get the necessary clarification.
The claim form, duly filled and signed by the insured
A verified copy of the First Information Report (FIR)
A copy of the vehicle’s Registration Certificate (RC)
A copy of the driver’s licence
A copy of the policy documents
Accident photographs (for reimbursement claims)
Repair bills and other receipts (for reimbursement claims)
For theft claims, a No Trace Report from the police is mandatory
For personal accident claims, relevant hospital or medical documents are needed
Signed RTO transfer papers, including Form 29 and Form 30 (applicable for second-hand car purchases or ownership transfers). Form 28 is required only if a [No Objection Certificate (NOC)](https://www.tataaig.com/knowledge-center/car-insurance/noc-for-car) is needed for transferring the vehicle to another RTO.
NOC and Form 35 from the lender where the car has an active loan
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.
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 the car ages, the parts undergo some depreciation due to usage and resultant wear and tear. The rate of depreciation is taken into account when calculating the IDV to arrive at the sum insured.
For example, for the first six months, the car’s depreciation rate is at 5% and then increases each year. Once the car is 5 years old, its rate of depreciation is 50% and remains so as the car ages further.
Geographical location
Another factor that affects the IDV is the geographical location where the car was registered. The IDV of cars in metropolitan cities is different from the IDV of cars registered in smaller towns in 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 Choose the Best Four-Wheeler Insurance Policy Online?
1) Decide on the Type of Insurance
To choose the right car insurance, consider your car's age and value. Third-party insurance is required by law and covers damage to others’ vehicles or property. It’s a basic option suitable for older or less valuable cars. Comprehensive insurance provides broader protection, covering both third-party damage and your own car’s damage from accidents, theft, fire, or natural disasters. If your car is older or you want a more affordable option, third-party insurance may suffice. For new or high-value cars, comprehensive insurance offers better overall coverage.
2) Compare Policies Online
Use insurer websites to compare plans online. Enter your vehicle details to get quotes, but remember that premiums depend on IDV, car model, add-ons, and location.
3) Choose Add-ons
Check the available add-ons based on your vehicle’s eligibility and policy type. Add-ons like Zero Depreciation, Engine protection Cover, and Roadside Assistance offer additional coverage, ensuring you're better protected in case of specific damages or emergencies that may not be fully covered under the standard policy.
4) Look for Online Savings
You can save on car insurance through online discounts and No Claim Bonus (NCB) if renewing an Own Damage policy. NCB does not apply to first-time policy purchases.
5) Claim Process and Network Garages
A wide network of cashless garages supports repairs following an accident; however, claim approvals depend on verification and the terms of your policy. Certain repairs may not be fully covered due to policy exclusions.
6) Purchase Online
Once you select the right policy, buy it online for a paperless and uncomplicated process. Some policies, especially for high-IDV vehicles, may require additional verification.
How to Download Your Car Insurance Policy Online?
Step 1:
Visit the official TATA AIG General Insurance Company website (www.tataaig.com).
Step 2:
Click on the ‘Self-Service’ option on the homepage. Log in using your registered mobile number (via OTP), email ID, or your policy number.
Step 3:
Go to the ‘Policy Download’ section. Enter your policy number or vehicle registration number to retrieve your active private car insurance policy.
Step 4:
Click on ‘Download Policy Document’ to save a PDF copy of your policy. You will also have the option to receive the policy document via your registered email address. In select cases, TATA AIG General Insurance Company may provide policy documents via WhatsApp, based on system availability and prior 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 toll-free number (1800 266 7780) or email customersupport@tataaig.com to request your policy document.
How to choose the right car insurance policy online?
Finding the best car insurance policy online requires proper comparison. Follow these steps:
Step 1: Choose between third-party and comprehensive car insurance. Third-party insurance is the minimum legal requirement, covering damage to others' property and injuries. Comprehensive insurance offers broader coverage, including damage to your own vehicle. Personal Accident Cover is included in both types of policies but is usually separate for drivers and passengers if not already included.
Step 2: Compare car insurance quotes from multiple insurers.Premiums are influenced by factors such as the Insured Declared Value (IDV), vehicle model, location, and any add-ons you choose.
Step 3: Check add-ons available for your car’s age and policy type, such as roadside assistance, engine protection, zero depreciation etc.
**Step 4: ** Evaluate coverage benefits and policy terms, not just the renewal price.
A lower premium may result in fewer benefits or coverage, so ensure the policy offers adequate protection for your needs.
Step 5: Carefully review the policy terms, including inclusions and exclusions.
Understanding these details is crucial to ensure you're aware of claim eligibility and any conditions for policy renewal.
Step 6: Make a secure payment. Instant policy issuance depends on verification, and additional approvals may be required in certain cases.
Buying 4-wheeler insurance online offers transparency and convenience.
However, claim settlements will depend on the policy terms, required documentation, and approval processes.
Self Service Options
Did Not Find What You Were Looking For?
Car Insurance Terms You Need To Know About
Premium
This refers to the amount of money that the policyholder pays to the car insurance provider on a yearly basis to get the benefits of the car insurance policy.
Coverage
The coverage is the amount of risk that is covered for an individual through an insurance policy. It includes all the risk factors that the individual or the car (in car insurance) need to be protected against.
IDV
The Insured Declared Value or the IDV is the maximum financial amount which a policyholder can receive from the insurance company in the event of the car’s total loss - complete damage or theft.
No Claim Bonus
The No Claim Bonus is the discount on premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation (Depreciation Reimbursement)
The Zero Depreciation Cover (Depreciation Reimbursement) is an add on which helps car insurance policyholders avoid the deduction of the depreciation amount from their sum insured. Without the Zero Depreciation (Depreciation Reimbursement), car insurance companies subtract the depreciation on the car’s parts while settling the claim amount.
Own Damage
Own Damage refers to the damages caused to the insured vehicle and the Own Damage cover helps cover the financial losses incurred by the policyholder due to the damage to their insured car.
Personal Accident Insurance
This type of cover in a third party or comprehensive car insurance policy offers compensation to a policyholder in the event of disability due to a car accident, with the insured car involved. In case of the accidental death involving the insured vehicle of the policyholder, the compensation is given to the policyholder’s family.
Voluntary Deductible
The voluntary deductible is the part of the claim that is paid by the car insurance policyholder and is determined at the time of the policy’s purchase. If the deductible is higher, then the premiums will be lower.
Consumables
The parts of the car that cannot be reused after being used or consumed, such as the brake oil, nuts and bolts, fuel filter and more, are called consumables.
Cashless Claims
If you get your damaged car repaired at the network garages of your insurance provider, then the cost of the repair is directly sent to the garage by the insurer. Since the policyholder does not have to handle this expense from their own pocket, this facility is called a cashless claim.
FAQs in Car Insurance
How Can I Renew Expired Car Insurance?
Can I buy car insurance online? If yes, how?
How can I calculate the car insurance premium for my policy?
Is it necessary to have car insurance in India?
What does a car insurance policy cover?
What is the online car insurance renewal process?
Are there any advantages to buying car insurance online?
Should I get a comprehensive car insurance policy or is third-party enough?
Are there any important factors I should consider before buying or renewing car insurance?
What is a No Claim Bonus (NCB)?
What happens in my previous car insurance policy has already expired?
How can I claim car insurance?
What are cashless claims?
How long does it take for a claim to be settled?
Do I need to file an FIR in order to make a claim against my car insurance?
What does zero depreciation (Depreciation Reimbursement) mean in car insurance?
How Do I Renew Car Insurance Online?
Why Renewing Your Car Insurance Policy On Time Matters?
How long will it take to renew my car insurance online?
Can I renew my expired car insurance online?
Can I transfer my insurance if I sell my car?
Is there a way for me to check the status of my car insurance?
What Our Customers Are Saying
Add on details are very interesting and customer can decide his own choice. Now unseen or hidden risks are covered.
Nice products tata Aig
FANTASTIC
excellent & flawless experience ! littelly renewed my insurance in less than a minute!
keep it up TATA!
Thank you, the new process is very seamless! It's SO MUCH better and MORE intuitive than what you had until last year. Great work on the upgrade!
Easy process. However, no option to select 2 or 3 years
It been good experience, but can't give full marks.
OVERALL GOOD AND SATISFACTORY, TATA IS BRAND OF RELIABILITY
POLICY BUYING IS LIKE JUST A GO.....NICE EXPERIENCE TATA
GOOD PRICE
TATA is a Trusted Brand and always cheaper than other insurance company
Customer Service is awesome, Thank you so much for giving me discount. In future if I will plan to buy any new car, definitely I will insured my car by Tata Aig.
God damn awesome journey!!
Everything is transparent and smooth
VERY GOOD WEBSITE FOR RENEWAL
It was very convenient to use. And the best part was the service provide at home.
This no login premium renewal was a cakewalk. It was not there last year when i tried to renew.
