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Motor Insurance
Let’s get you started on your vehicle insurance journey!
Motor insurance, or vehicle insurance, is an insurance policy that offers coverage to the vehicle’s owner and/or driver against financial losses in case of losses due to theft, accidents or natural calamities. In return for the regular payment of premiums, your insurance provider promises to share the cost of repairing damages. Almost every Indian family today owns a vehicle. And, no matter how careful they are, something unfortunate might happen to them and their vehicle. After an accident, robbery or attempted theft, they might have to deal with high repair costs or have to replace their car entirely. With vehicle insurance, you won’t have to worry at all. Your motor insurance provider will help pay for all repairs or the cost of the car.
But, your motor insurance policy is useful in other scenarios as well. A vehicle insurance policy that also offers third-party liability cover ensures you don’t have to pay for damages caused to another person, their vehicle or their property either. In fact, third-party motor insurance is mandatory in India. If you do not have a vehicle insurance policy with third-party liability cover while driving, you could end up having to pay a hefty traffic fine.
At TATA AIG, you will find insurance policies that meet your every need. You can simply choose between our two-wheeler and four-wheeler motor insurance online and get your policy within a few moments. Our wide range of add-on covers allows you to personalise your plan based on your specific needs. If you want something quickly, simply opt for our comprehensive motor insurance policy for coverage against third-party liability and own damages!
Features of a Motor Insurance Policy
Financial Security
A motor insurance policy helps take care of the cost of repairs for your vehicle. So, while it cannot help you grow your money, motor insurance is an important part of every good savings plan. You can rely on your vehicle insurance policy to help take care of the cost of repairs.
No-Claim Bonus (NCB)
A No Claim Bonus or NCB is a reward that your insurer provides you whenever you complete a policy year without making any claims against your vehicle insurance policy. The reward is a reduced premium for your motor insurance plan for the following year.
Quick Claims
When you get your vehicle repaired at a network garage, you can enjoy a quick and easy cashless claims process against your motor insurance policy.
Protection Against Damages
A comprehensive vehicle insurance plan provides complete damage cover. So, any damage caused by a natural calamity, theft or accidents will be taken care of by your motor insurance policy
Third-Party Cover
Third-party liability provides the vehicle owner with cover in case another person or another individual’s property is harmed or damaged in an accident. The motor insurance policy will help cover the expenses for the third party. In India, you must have at least third-party vehicle insurance to operate your vehicle legally on the road.
Customisable Add-Ons
Enhance your vehicle’s protection by choosing from a range of up to 13 motor insurance add-ons. You can opt for additional benefits such as roadside assistance or NCB protection.
High Claim Settlement Ratio
At TATA AIG, we’re proud of our ability to serve you. We ensure that claims are settled quickly without too many hassles.
Benefits of Buying or Renewing Vehicle Insurance Online
Purchasing a motor insurance policy online is quick, easy and convenient. Here’s a look at all the benefits of buying and renewing motor insurance online:
Quick Comparisons
When you purchase your vehicle insurance policy online, you have the ability to compare the offerings of many different companies with ease. Ask for quotes from multiple motor insurance providers at the same time and compare costs, add-ons and coverage offered with a few easy clicks.
Saves Time
Buying vehicle insurance online is a quick process. You do not have to meet with an agent and discuss your options. Instead, you can carry out your research on the claim settlement ratio of various motor insurance providers and complete the purchasing process in under 30 minutes.
Paperless Process
In today’s digital world, you no longer need to submit hard copies of your documents to get your vehicle insurance policy. The entire purchasing and renewal process is completely paper-free and completed online within a matter of minutes.
Immediate Issue of Policy
When you purchase a policy online, you don’t have to wait for a hard copy of the motor insurance policy to reach your home address. As soon as you make the payment, a soft copy of your vehicle insurance policy gets sent to your e-mail address. You simply need to print it out and keep it in your vehicle!
Customisable Coverage
When you buy your vehicle insurance in India online, you can quickly choose add-ons and pick the coverage you’d like. Your motor insurance provider will offer you a few options that include various add-ons for enhanced protection.
Completely Secure
We live in a digital world. And, while many people are worried about phishing and other cyber-attacks, we have made it completely safe for you to complete your transaction on our website. You can securely process your online motor insurance application.
Quick Switches
The online renewal process remains the same irrespective of whether you’re sticking with your insurance provider or switching to a new insurer. You can retain your NCB and enjoy all your benefits without any break in coverage.
Why Should I Buy a Vehicle Insurance Policy?
Protection from Third-Party Liability
Third-party liability becomes an issue when the insured vehicle accidentally damages a third-party vehicle or property or injures a third-party individual. Third-party vehicle insurance protects the policyholder from having to pay for repairs or hospital bills for the third party from their own pocket.
Security Against Theft
If your vehicle is vandalised or some of its parts are stolen, your motor insurance policy will help cover the financial damages and compensate you for the loss. Your vehicle insurance policy could help pay to replace the stolen parts or even the whole vehicle in case it is stolen or damaged beyond repair.
Financial Cover Against Damages
Even the safest driver might meet with a road accident. Getting a small dent fixed in your precious vehicle could set you back quite a bit. With own damage cover in your vehicle insurance, you don’t have to worry about the cost. A good motor insurance policy will help you take care of the cost of damage done to your vehicle, making the policy an integral part of your financial plan.
Cover Against Natural Calamities
Almost every day, we hear about a new natural disaster destroying property and claiming lives. If your vehicle happens to get damaged because of floods, earthquakes or other covered disasters, you won’t have to deal with the financial loss or burden. Your motor insurance policy will step in to alleviate your troubles.
Cover for Personal Injuries
An accident can damage more than just your vehicle. It could end up hurting you or other passengers in your vehicle. Depending on the motor insurance policy you choose, you can get financial help to deal with injuries that are the direct result of a road accident.
We Have the Right Plans to Protect Your Vehicle from All Kinds of Risk
Car Insurance Policies
Most Indian households today own one four-wheeler. Cars allow us to enjoy long road trips across the length and breadth of India and a car insurance policy will keep you protected. Car insurance, like motor insurance, comes in various forms and plans. You will need to decide which kind of four-wheeler motor insurance policy best suits your requirements based on how often you use your vehicle. It’s important to remember that car insurance policies only provide cover for a private vehicle. So, if you use the four-wheeler for business, you won’t benefit from this policy.
Bike Insurance Policies
The two-wheeler is the preferred mode of transport for most Indian families. Bike insurance policies provide cover to all kinds of two-wheelers, from gearless scooters to large-engine superbikes. A variety of plans are available. Some offer basic third-party cover, while others provide you with comprehensive cover. You should pick the two-wheeler insurance plan that best suits your unique requirements.
Commercial Vehicle Insurance Policies
Any vehicle that is used for business purposes must have [commercial vehicle insurance](Any vehicle that is used for business purposes must have commercial vehicle insurance. ). These plans are carefully formulated to protect your company’s finances in case of an accident or if the vehicle is damaged or stolen. Ideally, all commercial vehicles, such as taxis, goods carrying vehicles, cranes and tractors should have a good commercial vehicle insurance policy in the dashboard.
Types of Motor Insurance
Having your own vehicle makes it incredibly convenient to move from place to place. But, owning and using a vehicle also has inherent risks. It’s possible that you meet with an accident or somebody may try to steal or damage your prized possession on purpose. We offer a range of policies, so you can pick the one that best suits your risk and needs:
Third-Party Liability Only Motor Insurance Policy
Third-party liability only vehicle insurance policies are the most basic motor insurance policies. They protect you from the financial and legal liabilities that arise after an accident causes damage to a third party or their property. You must remember that a third-party liability only motor insurance policy will not cover any damages to your vehicle.
Own Damage Motor Insurance Policy
An own damage motor insurance policy provides coverage for financial losses caused due to accidental damage to your vehicle. These vehicle insurance policies are solely for your vehicle. They do not provide cover for damages caused to a third party, their vehicle or their property.
Comprehensive Motor Insurance Policy
A comprehensive vehicle insurance policy offers extensive coverage as compared to a basic third-party motor insurance policy. The comprehensive motor insurance policy offers protection against financial losses due to damage to your own car and third-party liabilities.
What’s Covered in TATA AIG Motor Insurance?
TATA AIG’s motor insurance policy provides cover against:
Theft of the Vehicle
If you opt for a comprehensive vehicle insurance policy, we will reimburse you the Insured Declared Value (IDV) of your vehicle if it gets stolen or is accidentally damaged beyond repair.
Natural Disaster Damages
If you have a comprehensive motor insurance policy or an own damage vehicle insurance policy, you can enjoy financial protection against any damages caused to your vehicle by a natural disaster such as a cyclone, earthquake, flood, snowfall, frost, or rainfall.
Man-Made Calamity and Fire Damages
An own damage or comprehensive motor insurance policy will offer financial protection against damages caused by terrorist attacks, strikes, riots and other malicious man-made calamities. Additionally, your vehicle insurance also provides cover for fire damages due to lightning, self-ignition and explosions.
Accidental Damages
After an accident, your vehicle may end up with a few scrapes and dents or may need extensive repairs. A comprehensive vehicle insurance policy or an own damage motor insurance policy provides coverage for these accidental damages.
Transit Damage
At times, you may transport your vehicle from one location to another via waterways, roadways, airways or railways. In case the vehicle is damaged in transit, your comprehensive motor insurance policy will help take care of the cost of repairs.
Third-Party Liability
Our motor insurance policies don’t just look after damage to your vehicle. We’ll also take care of third-party liability, which you need to legally operate your vehicles on Indian roads. If you happen to meet with an accident and another individual is hurt or their property is damaged, our motor insurance policy will help cover the expenses.
Personal Accident Cover
You can also choose to have a Personal Accident Cover to the tune of ₹15 lakhs with yourcomprehensive 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, you can also add an optional cover – Liability to Unnamed Passengers – if you need added coverage over the Personal Accident Cover.
What’s Not Covered in TATA AIG Motor Insurance?
There Are A Few Things That We’re Unable To Help With. Here’s A Look At Some General Exclusions Under Our Motor Insurance Policies:
- 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
- Reimbursement of only 50% cost for the replacement of consumables due to wear and tear
Factor Affecting Motor Insurance Premiums and How to Reduce It
There are a number of factors that decide what the premium of your motor insurance policy should be. Let’s take a look at what they are:
Insured Declared Value (IDV)
Insured Declared Value, or IDV, is the current market value of your vehicle. The IDV factors in depreciation to arrive at the appropriate figure. Your vehicle’s IDV is the maximum amount that your insurer will pay in case there is complete total loss to your vehicle. Your vehicle insurance premium is directly proportional to your IDV. A higher IDV means a higher motor insurance premium.
Age of the Vehicle
The age of the vehicle will affect your motor insurance premium. Typically, insurance premiums are higher for brand new cars and lower for older cars. This happens as the value of a vehicle depreciates every year, bringing the IDV and premium down with it.
Insurance Coverage
The type of motor insurance policy that you opt for will affect your vehicle insurance premium. A comprehensive motor insurance plan will have a higher premium than a stand-alone own damage motor insurance policy or a third-party liability only policy. A comprehensive plan provides coverage to all parties involved, so it will have higher motor insurance premiums.
Add-Ons Selected
You can enhance your vehicle’s insurance coverage by opting for add-ons. Your motor insurance premium will increase depending on the number of add-ons you add to your vehicle insurance policy.
Engine Capacity
The vehicle’s engine’s cubic capacity (cc) will affect the motor insurance premium. Vehicles with a higher cubic capacity always attract higher motor insurance premiums. Every year, the IRDAI declares universal third-party vehicle insurance premium rates based on the cubic capacity of the insured vehicle.
Deductible
A deductible is a percentage of the total claim amount that the insured individual offers to pay. The policyholder chooses the deductible at the time of purchasing the motor insurance policy. A higher deductible means you will pay a larger portion of the claim. Those who opt for high deductibles can enjoy lower premiums. However, it means the insured will have to pay a significant portion of every claim.
Claims History
Individuals who have maintained a clean claim history can get an NCB from their insurer. The NCB lowers the policyholder’s premium as a reward for not making any claims. The NCB is a progressive discount and the amount increases every year. For five consecutive years without making any claims, individuals can enjoy a discount of up to 50% on their motor insurance renewal premium.
Miscellaneous Factors
Other factors, such as the age of the applicant, make and model of the vehicle, security features available on the vehicle and location where the vehicle is registered can impact your motor insurance premium. Vehicles that have enhanced safety and security features will attract lower premiums than vehicles that lack these features.
If you’d like to reduce your premium slightly, there are a few things you can do, such as:
Opting for Mandatory Add-Ons Only
While many insurance providers offer a range of add-ons for enhanced protection, you don’t need to pay for all of them. Make sure you only select the add-ons that you require. For example, if you intend on using your vehicle just within city limits, you may not have to purchase a roadside assistance add-on. So, think very carefully about whether the add-on actually offers you enough value before adding it to your policy.
Installing Security Accessories
Insurance providers will likely reduce your premium if your vehicle is at less risk. So, a car that has anti-theft accessories installed will have a slightly lower premium than an identical car without the safety features. Make sure you purchase your anti-theft devices from authorised dealers only to enjoy a discount on your premium.
Don’t Make Unnecessary Claims
Every time you make a claim, your IDV goes down and your premium goes up. If you can handle small bumps and scrapes by yourself, it’s a good idea to do that. Making a claim, even for a small issue, could pinch your pocket in the long run. Additionally, you risk losing your NCB.
Why Choose TATA AIG?
A TATA Promise
Our motor insurance policies come with the 150-year legacy and trust of TATA. As an insurance company, we’ve been keeping our promise of looking after you, your vehicle and finances for over 20 years! When we commit to something, we stick to it.
You Come First
We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. Over our years in the insurance industry, we’ve taken care of 5 crore customers and our family is growing every day.
We’re Performance-Driven
We have a large team that is always looking for ways to reach new heights. To ensure speedy claim settlements for all our customers, we have over 650 claim experts working hard across India. We also have a dedicated service and operations team, who will walk you through every step of the process and answer all your queries. Every day we push ourselves to accomplish new levels of perfection in our vehicle insurance processes and increase the quality of our work.
We Have a High Settlement Ratio
The claim settlement ratio lets you know what percentage of claims the insurer settled of all claim requests received. Before you buy or renew your vehicle insurance online, we’re sure you’d like to know how likely you are to get your settlement if you raise a valid claim. Well, we’re proud of our stats. So, if you ever make a claim against your TATA AIG motor insurance policy, there’s a very good chance you’ll get the settlement you deserve.
How to Use a Vehicle Insurance Calculator?
Your motor insurance premium depends on various factors, like the make and model of your car, the way you intend to use it and your previous claim history. To gain a better understanding of the kind of vehicle insurance premiums you need to pay, you can use an online vehicle insurance calculator. If you’d like to use a calculator, you need to follow these steps:
Enter a Few Basic Details
The calculator requires some vehicle information. You need to provide your:
- Registration Number
- Vehicle Manufacturer’s Name
- Vehicle Model and Variant
- Year of Manufacture
- NCB, if any
Settle on Your IDV
Once you provide these details, the calculator will show you a few options. They will provide you with an estimated IDV of your vehicle and a few plans with various add-ons covers. Each plan will have a separate estimated premium depending on the add-ons and coverage offered.
Select Additional Covers
If you aren’t happy with the plans on offer, you can opt to customise your vehicle insurance policy by choosing various add-ons. These add-ons will boost your coverage and impact your premium.
View the Final Premium
Once you’ve found a vehicle insurance policy that offers you what you need, you can view the final premium calculation.
Remember, your actual premium may change slightly depending on the vehicle insurance provider, but the calculator will give you an estimate of how much you can expect to pay.
Azad Kumar, Gurgaon, Haryana
My hassle-free TATA AIG Motor Insurance claim experience!”
My son had his CAT exam in Jaipur on the 7th of January 2024. At around 6:30 PM, we left the exam centre and departed for Gurgaon at around 7:00 PM.
It was around 9-9:30 PM, when my vehicle was hit from behind on our way back to Gurgaon.
The next morning, I called up the TATA AIG Motor Insurance helpline. I informed them about the accident, and they were quick enough to help me with the further process. They advised me to visit the nearest workshop and assured me that there would be no concern.
I was wondering if they would ask me details about the accident and how it happened, and other factual information. However, to my surprise, the process was extremely quick and hassle-free.
I am thankful to TATA AIG for their hassle-free settlement process that did not cause any stress. I would surely recommend TATA AIG as it is a good insurance company and a giant group. They work with ethics, and they have commitment and dedication towards their customers. Their claim process is absolutely seamless and stress-free.
“TATA AIG makes the claims process hassle-free!”
Insurance is a product that you buy but hope that you don’t need to use it. And when you do need it, you expect it to be smooth. I have been a TATA AIG Motor Insurance customer for a while now.
Some time back, we met with a minor accident. Someone hit our car from the rear-end sometime during the day. But I must say TATA AIG Motor Insurance is a trusted insurance partner when it comes to the claims process. The claim was surprisingly easy.
The claims process was initiated with a quick call. Moreover, they offer a cashless reimbursement process, which was a great relief. The support team from TATA AIG was prompt with their responses and guided me through the entire process. They handled everything efficiently, ensuring a hassle-free experience.
What impressed me about the insurer is that they just don’t tick boxes; they deliver what they promise. The team was quick and sorted everything fast. I would recommend TATA AIG wholeheartedly to everyone.
“Drive worry-free with TATA AIG Motor Insurance!”
I would like to share my experience with TATA AIG Motor Insurance.
I am a corporate employee and commute to work daily in my car. Using a private vehicle for me is about freedom and comfort. I live in South Delhi, and the area witnesses extreme traffic. And the metro construction work on the route to my office has contributed more to the traffic.
Once on my way to the office, someone hit my car from the left side. This resulted in me colliding with another vehicle on the right side. While I was scared, I luckily did not suffer any injury.
After that, I took my car to the service centre. There, I spoke to the representatives of TATA AIG Motor Insurance. Their surveyor came there to survey my car and asked me a few questions.
Then began the paperwork for the claim process. They asked me to leave the car there at the service centre, and the cashless claim was made.
Because of TATA AIG Motor Insurance, I was protected from the unexpected expenses. I am happy with their prompt response, and my overall experience with TATA AIG has been very good. And I recommend you to buy your motor insurance from TATA AIG whenever you need.
“I had a seamless experience with TATA AIG’s Motor Insurance Policy!”
I live in Chennai, and we had never expected that it would rain so heavily in Chennai. We never thought that we were going to be surrounded by water, and my brand new car is going to be submerged in water in the very next few hours.
The next day, I was absolutely clueless about what should be done and contacted the TATA AIG customer support. Very patiently, they tried to understand the situation and assured me that they would be guiding me throughout the claim process.
The support and experience throughout were very consistent. They always asked me to reach out to them through WhatsApp or call for any guidance. I never expected the claim process to be so smooth.
Very soon, I purchased my new car. But the brand from which I bought my car did not have a direct tie-up with TATA AIG. Owing to my previous experience with TATA AIG, I refused to go with the insurer the car showroom recommended. I insured my new car also with TATA AIG.
“TATA AIG Motor Insurance is a reliable insurance partner!”
I am a retired Chief General Manager HR from Rashtriya Ispat Nigam Limited, and I have insured my car with TATA AIG Motor Insurance. Recently, when I was driving in the market, my car hit a roadside barrier while making a turn, and I damaged the right side rear door. I was more than worried about whom to approach and the hassles involved in getting the car repaired, and the concerned expenses.
Thankfully, I had a TATA AIG Motor Insurance policy. And they offered a very smooth and entirely transparent process from the very beginning. The claim was easy to file and seamless.
They quickly arranged for a cashless repair at the nearest garage and took off the entire financial burden. The TATA AIG team was extremely helpful and cooperative. The claim was settled in a matter of a few days.
The policy from TATA AIG is very user-friendly and also provides many features like lost key assistance, roadside assistance and others. I highly recommend TATA AIG insurance to everyone who seeks a hassle-free insurance claim experience.
TATA AIG Motor Insurance is a must-have!”
The brand TATA is synonymous with trust. And they have exceeded my expectations with their exceptional service. On the night of 27th December, when I was returning home from the office, I took a U-turn on a familiar route. While I paid attention to the incoming traffic, I missed the turn slightly. The left side of the car scraped against the safety wall.
The next morning, I traced my policy document and contacted TATA AIG Motor Insurance. I explained the entire incident to their representative, and they were ready to guide me through the process.
They provided me with the option of taking my car to an approved cashless repair centre or to a service centre of my choice. When I went to their approved centre, their representative told me that the team would get back to me with the claim process after the inspection was done.
TATA AIG kept me informed about the entire process, including the claim approval. The claim approval came within just 24 hours after I dropped the car. This meant that I did not have to pay the bills or go through the reimbursement hassle.
I was extremely impressed with TATA AIG's support and service, especially due to the transparency and seamless claim handling process.
I always knew that getting a car insurance policy was mandatory. But I was unsure of who would support me if an incident happened. Once, while driving from my hometown, Kanpur, to Pune, someone rammed into my car from behind. I was shocked at first and parked my car on the side. When I inspected the car for its condition, I thought of calling my insurance company.
When I reached out to the TATA AIG Motor Insurance support team, they first enquired about my well-being and also asked if my family members had sustained any injuries.
After that, they began with the claim settlement process. The claim process was extremely quick and hassle-free. I did not even realise when my claim got settled, and my car was repaired.
I was more than satisfied with the services provided by TATA AIG Motor Insurance, and they provided an experience beyond my expectations.
“In a stressful moment, TATA AIG Motor Insurance was a lifesaver!”
I want to share this incident that happened to me and how TATA AIG helped me deal with it.
About a month ago, my wife and I were travelling. Since we predicted the rising traffic during the day, we started early. But during the journey, a car hit us from the back. Thankfully, neither of us was hurt. The situation was still stressful as it was the first time I had experienced something like this.
Luckily, I had a motor insurance policy from TATA AIG. When I contacted them, they enquired if my wife or I were hurt. They arranged for the car repair at a nearby service station. Moreover, the repairs were completely cashless.
The situation that was supposed to be so stressful was made easy with the help of TATA AIG and their cashless services. Thanks to them, I did not have to worry about the repair expenses.
I was impressed with the TATA AIG team's efficiency and promptness. I highly recommend TATA AIG Motor Insurance for their excellent customer service and cashless repairs. I am thankful to TATA AIG for their great service and support.
“Secure your car with TATA AIG Motor Insurance!”
It is important to secure your life and assets in a proper way. And with the importance that my car holds for me, I was determined to insure it with the best insurance policy.
A few months back, I was driving to drop my wife off at her office. While we were on the road, the car ahead of us suddenly applied the brakes. I also did the same to avoid a collision, but it was too late by then.
While we both were fortunately not injured, seeing my car damaged was painful too. I immediately rushed to the nearest garage and contacted TATA AIG Motor Insurance for the claim process.
The team was very supportive and professional. After enquiring about our well-being, they helped me with the claim process. I loved their approach to the incident.
I am very grateful to the team for their support in the end-to-end process. The guided me with the steps that were to be taken. The entire process was seamless and cashless.
Having had a great experience with TATA AIG, I can highly recommend TATA AIG Motor Insurance to everyone.
“TATA AIG Motor Insurance took care of my car perfectly!”
In 2020, we decided to buy insurance from TATA AIG, and I am glad we did that.
I am a university professor, and I work at an institute in the North Bengal University in Siliguri, whereas my hometown is in Kolkata. After finishing an academic assignment, I was supposed to return home, and my driver had arrived with the car to pick me up. As soon as we left, I realised that something was wrong with the vehicle. I instructed the driver to slow down the vehicle, and we reached home.
The next morning, we discovered that our car had been attacked by rodents and all the electrical wiring was damaged by the attack. We took the vehicle to the garage and also contacted TATA AIG Motor Insurance for assistance. They took care of all the expenses, and it was a smooth claim settlement process.
We have then moved all our other vehicles to TATA AIG insurance.
I now recommend TATA AIG for all your insurance needs, not just the car insurance part.
Steps to Buy or Renew Motor Insurance Online
To buy or renew your vehicle insurance online, you need to follow these easy steps:
Step 1: Input your vehicle registration number and get the price (for a new policy) or renew (for an existing TATA AIG policy).
Step 2: Fill up all the required vehicle and personal details required. You can select the motor insurance policy coverage and add-ons of your choice.
Step 3: Get your instant vehicle insurance premium quote. If you’re happy, you can pay the premium online.
Steps to File a Claim Against a Vehicle Insurance Policy
We hope it never comes to this, but if there’s an accident or something happens to your vehicle, you will have to file a claim. The easiest way to file a motor insurance claim is online. Here’s a step-by-step break down of TATA AIG’s motor insurance claims process:
It’s always best to register your motor insurance claim as soon as possible. Once you’ve managed to get to safety, call your insurance provider and let them know you need to file a claim. You will have to provide the following details:
- Your motor 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
Your insurance provider will send you a claim intimation number. You can use the number to follow up on the process.
Your vehicle insurance provider will send somebody to your location to inspect the damage done to your vehicle. Today, many providers allow digital inspection as well for quick claims.
Once the insurer gives you the go ahead, you need to take your vehicle to a garage. Ideally, select the nearest network garage to you for quick and easy cashless claims.
The garage will work on your vehicle and repair it. If you’ve opted for a network garage, they will send the bill directly to the insurer.
Step 6: Let the Insurer Settle the Claim Your vehicle insurance provider will settle the claim with the garage directly. You only need to pay for deductibles and any damages that are not covered when you pick up the vehicle.
Did Not Find What You Were Looking For?
Frequenly Asked Question
What is a motor insurance policy?
Motor insurance is a type of insurance policy that provides financial coverage against damages caused to your vehicle or to other individuals and/or their property.
What are the types of motor insurance?
There are three basic types of motor insurance policies. Third-party liability only cover, own damage cover and comprehensive cover. The third-party liability only policy provides coverage for damage to others and their property. An own damage policy will only cover the financial losses incurred due to damage to the insured vehicle. A comprehensive motor insurance policy offers both third-party liability and own damage cover.
Which motor insurance is best in India?
In India, it is best to opt for a comprehensive motor insurance policy. This vehicle insurance plan provides cover for third-party liability and own damages to the vehicle.
What is covered under motor package policy?
A motor package policy, also known as a comprehensive vehicle insurance policy, offers coverage against multiple types of losses. It provides cover against third-party liability and offers cover for damages to the insured vehicle.
What is the best way to compare insurance rates?
Individuals can compare motor insurance premium rates online. Every insurance provider will provide you with a quote or estimated premium based on the information you provide about the vehicle.
Why do I require motor insurance?
A good motor insurance policy will help protect you, your finances, and your vehicle in case you meet with an unfortunate accident. In India, you need to have a motor insurance policy to legally operate your vehicle on the road.
Why is motor insurance compulsory?
The Motor Vehicles Act, 1988, made it compulsory for vehicle owners to purchase at least third-party liability cover before operating their vehicles on Indian roads. Motor insurance become compulsory to help individuals deal with financial losses after an accident.
How do I apply for motor insurance?
You can choose to buy your motor insurance policy online or offline. You can complete the online process by visiting your preferred insurance provider’s website and entering the required information. You could also complete the process offline with the help of an authorised agent or by calling our toll-free number 1 800 266 1363.
How can I check my motor insurance policy?
You can check the details of your vehicle insurance policy by reading the policy documents. Or, you can visit your insurer’s website and log in to the customer portal for more information on your motor insurance policy.
How do I check my insurance claim history?
Your current motor insurance provider can provide you with details about your insurance claim history. For more information, you can contact the Claims and Underwriting Exchange (CUE). CUE is a database that maintains records on insurance and reported incidents for the previous six years.
