Bumper To Bumper Car Insurance

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Bumper To Bumper Car Insurance

If you are searching for an excellent insurance policy for your car, your quest stops at Tata AIG. With our wide range of car policies online, you can get extensive coverage for your precious four-wheeler in just a few clicks.

Check our car insurance price list now and buy a Tata AIG four wheeler policy that fits your car insurance needs. And if you are looking for 100 per cent protection for your car, then our Bumper to Bumper Car Insurance Plan is just the right policy for you

What Is Bumper To Bumper Car Insurance?

As its name suggests, a Bumper to Bumper Car Insurance Policy, commonly called the Zero Depreciation or Nil Depreciation Cover, is a car insurance plan that encompasses complete coverage for your car. This means that if your car sustains any damages, is stolen or damaged beyond repair, you can get 100 per cent of the sum insured under the insurance policy for your car, without any deductions based on the depreciated cost.

The Tata AIG Bumper to Bumper Car Insurance Policy is offered as an add-on with our Comprehensive Car Insurance Policy and our Standalone Own Damage Car Insurance Policy. By selecting this additional cover for your car, you can be assured of receiving the entire value of your car's parts without any deduction for depreciation. Therefore, our Bumper to Bumper Insurance Plan is an excellent way to ensure that the passage of time, usage, and the resultant depreciation accumulated on your car does not affect the amount you can claim on your car insurance policy. However, this add-on cover does not include protection for certain components of your car, including the engine and glass parts.

Whether you are a new car owner looking to buy your first car insurance policy or a veteran car owner, always compare car insurance plans before renewing/buying your car insurance policy, the Tata AIG Bumper to Bumper Plans are an excellent way to enhance the coverage of the insurance policy for your car.

You can select the bumper to bumper plan whilst buying or renewing your car insurance policy. It is easy to buy our Bumper to Bumper Car Insurance online. All you have to do is visit our official website, select a select a bumper to bumper plan. And then, you can be completely secured knowing the extensive degree of financial protection available to your car.

Benefits Of Bumper To Bumper Car Insurance Add-on

The selection of the Tata AIG Bumper to Bumper Car Insurance add-on entitles you to several significant car insurance benefits, some of which have been discussed below.

1. Bid Farewell to Your Car Repair Woes: It is a well-known fact that having insurance for your car does not mean that you get 100 per cent of the amount spent on the repairs of your car. All car insurance policies have a deductibles component, which necessitates that some part of the aforementioned repair expenses has to be borne by the owner of the vehicle.

However, with a Bumper to Bumper Car Insurance add-on, you can claim the entirety of the repair expenses for your car as well as the expenditure incurred in the replacement of the insured car components. This means that you can park your car insurance woes aside and enjoy a high degree of financial security with regard to your car.

2. Keep Your Car Ageless vis-a-vis Insurance Claims: Age leaves us all deteriorated, and even inanimate objects are not immune to this eternal truth. With age and the passage of time, the value of the different components of your car depreciates, which, in turn, has a bearing on the amount you can claim from your insurer for their repair or replacement.

With our Bumper to Bumper Insurance, though, you can make your car essentially ageless and negate the impact of depreciation whilst filing your car insurance claims. However, you must be mindful that certain car components are not covered by this add-on.

3. Secure the Security Your Luxury/Sports Car Deserves: The Tata AIG Bumper to Bumper Car Insurance add-on is an excellent option for all car owners. However, if you have a luxury car or a sports car, you must simply include this cover in your car insurance policy.

The cost of the repair and replacement of the components of high-end cars is incredibly high, which could leave your pockets substantially lighter should such repairs/replacement ever be required. Therefore, you must add the Bumper to Bumper add-on to your Tata AIG Car Insurance Policy.

What Is Covered By Bumper To Bumper Car Insurance?

It is utterly important to be completely aware of the extent of the coverage your car insurance policy provides. This holds true for a Bumper to Bumper Car Insurance add-on as well. Here's what is covered by our Bumper to Bumper Insurance:

1. Coverage for the damages caused due to accidents: If your car happens to be damaged due to any accidents, the Tata AIG Bumper to Bumper Car Insurance add-on combined with your comprehensive car insurance policy or standalone own damage policy shall provide coverage for the resultant expenses.

Without this add-on, you can only claim a certain percentage of the actual damage caused to your car, which is dependent on the depreciation accumulated on the relevant component/s. However, with this cover, you can claim 100 per cent of the expenses for the damage.

2. Coverage for the damages resulting from fire: Should your car sustain any damages owing to fire-related events, such as explosions, self-ignition, etc., the Tata AIG Bumper to Bumper Insurance cover offers complete coverage to your car, except for the components specifically mentioned as excluded from your car insurance policy and this add-on cover.

3. Coverage for the damages caused by natural disasters and man-made calamities: Any damages caused to your car due to natural disasters such as earthquakes, cyclones, frost, etc., are covered by our Bumper to Bumper Car Insurance add-on. In addition to this, the damages to your car resulting from man-made disasters such as riots and strikes are also included in the ambit of this cover.

4. Coverage for the loss due to theft: If your car gets stolen, the resultant total loss is also covered by the Tata AIG Bumper to Bumper Car Insurance add-on. Whilst a comprehensive car insurance policy and a standalone own damage policy provide you with the 'Insured Declared Value' of the car after accounting for depreciation, the Bumper to Bumper add-on enables you to receive the full value of the car sans any deductions for depreciation.

What Is Not Covered By Bumper To Bumper Car Insurance?

Although the Tata AIG Bumper to Bumper Car Insurance add-on significantly enhances the coverage of the insurance policy for your car, there are certain car components that it does not cover. Here is what is not covered by our Bumper to Bumper Car Insurance.

1. Your third claim during the policy period: Our Bumper to Bumper Insurance is only applicable for the first two car insurance claims filed in a particular policy tenure. Any subsequent claims shall not be affected by the benefits of this cover.

2. The damages sustained by your car due to driving under the influence: If your car gets damaged owing to you driving under the influence of alcohol or drugs, the resultant car insurance claim is not valid, and neither is the coverage of our bumper cover.

3. The usage of your car for a purpose not intended for it: The Tata AIG Bumper to Bumper Car Insurance add-on does not provide coverage for the damages sustained by a car whilst being used for a purpose not intended for it, for instance, the commercial usage of a private vehicle.

4. The damages caused to the components not covered by the plan: If any of the car components explicitly mentioned as excluded in your car insurance policy or bumper cover get damaged, the resultant expenses shall not be covered by either plan. Therefore, it is advisable to ascertain which components are covered by this add-on and which are not.

5. Claims filed against expired policies: Any car insurance claims filed against an expired car insurance policy are not covered by our Bumper to Bumper Insurance in India.

Bumper To Bumper Car Insurance vs Comprehensive Car Insurance

If you are wondering what the difference between a Comprehensive Car Insurance Policy and a Bumper to Bumper Car Insurance add-on is, the following table sheds light on the variances between the two.

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Parameter Bumper to Bumper Car Insurance Comprehensive Car Insurance
Nature A Bumper to Bumper Car Insurance cover is an add-on car insurance cover. A Comprehensive Car Insurance Policy is available in the form of a standalone car insurance policy.
Coverage This cover encompasses a 100 per cent zero depreciation cover for your car, complementing your base car insurance policy. This policy provides extensive coverage to your car, including damages caused by fire, natural calamities, man-made disasters, accidents, transit, and total loss resultant from theft. You can add certain add-ons to it, including a Bumper to Bumper cover.
Depreciation The selection of this cover enables you to receive the full claim amount for the repair or replacement of your car's components. The selection of this policy enables you to have comprehensive financial protection for your car, including a Personal Accident Cover to the tune of ₹15 lakhs for the owner-driver. However, the claim amount you receive for the damages caused to your car includes a deduction for depreciation.
Premium The premium for the insurance policy of your car gets slightly enhanced by the addition of a Bumper to Bumper cover. The premium for a comprehensive car insurance policy is slightly lower without the addition of a Bumper to Bumper cover.
Eligibility Any cars older than five years are not eligible to be covered by this car insurance add-on. Cars of all ages, old and new alike, are eligible to be covered by a comprehensive car insurance policy
Purchase You can purchase a Bumper to Bumper Car Insurance add-on with a Standalone Own Damage Car Insurance Policy or a Comprehensive Car Insurance Policy. This cover cannot be purchased on a standalone basis. A Comprehensive Car Insurance Policy can be purchased on a standalone basis.
Number of claims permissible A Bumper to Bumper Cover is only applicable for the first two claims filed during the tenure of a particular car insurance policy. There is no limit on the number of claims that can be filed against a Comprehensive Car Insurance Policy during the policy's tenure.

Factors Affecting The Premium Of Bumper To Bumper Car Insurance Policy

The car insurance premium for your Tata AIG Bumper to Bumper cover is affected by certain factors, which are as follows:

1. The make and model of your car: The make and model of a car are akin to the body of a human being in the sense that both constitute fundamental diverging elements for the life of their owners. If you own a high-end car, for instance, a sports car or a luxury car, the high prices of their components and repair/replacement thereof combined with the lower availability of service centres and expert technicians lead to a high premium for their car insurance policies.

The premium for a Bumper to Bumper Car Insurance is no exception to this rule. A premium car is likely to attract a higher premium for a bumper to bumper cover than a hatchback or an SUV.

2. The age of your car: The Bumper to Bumper Car Insurance add-ons is also referred to as a 'Zero Depreciation' or 'Nil Depreciation' cover because of its feature of negating the impact of depreciation for a car insurance claim.

Since the depreciation of a car is directly related to its age and usage, the older a car, the higher the premium that you shall have to shell out for its bumper to bumper cover. It is important to note here that you cannot purchase bumper to bumper insurance for cars that are older than 5 years.

3. The geographical location of your car: As is the case with a comprehensive and standalone own-damage car insurance policy, the premium of your Bumper to Bumper Insurance add-on is also affected by the geographical location of your car. Cities with a high magnitude of traffic as well as regions with rough terrains usually entail a high car insurance premium for their inhabitants.

Why Choose Bumper To Bumper Car Insurance?

There are several reasons why you should opt for a Bumper to Bumper Car Insurance add-on cover. Here are some of these factors:

1. It enhances the coverage of your car insurance policy: A Bumper to Bumper Car Insurance cover drastically enhances the coverage of your car insurance policy. Without this cover, you only get coverage for the repairs and replacement of your car's components after the consideration of the depreciation accumulated on said parts. However, this cover allows you to receive the entire amount of the repair or replacement expenses without any deductions for depreciation.

2. It negates the impact of depreciation for your car insurance claim: While there is no insurance cover that can stop the value of your car's components from diminishing due to age and depreciation, a Bumper to Bumper cover negates the impact of said deterioration at least as far as your car insurance claims are concerned. This way, you can bridge the gap between the actual expenses incurred to repair or replace your car's parts in the wake of any damages and the claim amount received against a policy with no Bumper to Bumper Cover.

3. It helps you preserve your savings: Since the repair and replacement of the components of your car can be a costly business, particularly if you happen to own a premium car, it is likely that said expenses may force you to delve into your household budget or, worse yet, your savings. To prevent such a situation from occurring, you must choose a Bumper to Bumper Insurance cover along with your base car insurance policy.

Factors To Consider Before Choosing Bumper To Bumper Car Insurance

Before purchasing a Bumper to Bumper Car Insurance Policy, you must pay attention to some important factors that can help you make an informed decision. These factors have been discussed below:

1. The constraint on the eligibility of cars based on their age: A Bumper to Bumper Car Insurance cover can be purchased only for cars that are less than five years old. You must, therefore, check whether your car is eligible for a Bumper to Bumper Cover before purchasing one.

2. The coverage of a Bumper to Bumper cover: The coverage of a Bumper to Bumper Insurance add-on does not include certain car components, such as those made of glass. It is, thus, advisable to check the full list of inclusions and exclusions in this add-on cover to determine the full extent as well as the limitations of its coverage.

3. The premium of a Bumper to Bumper Cover: The price of your base car insurance policy gets increased by the addition of a Bumper to Bumper Car Insurance add-on Cover. This price is, in turn, determined on the basis of several factors, including the age of your car, its make and model, and geographical location.

4. The ceiling on the number of admissible claims:You can avail of the benefits of a Bumper to Bumper Insurance add-on only for the first two claims filed during the tenure of a specific car insurance policy. Hence any claims that follow shall attract a deduction for the depreciation accumulated on the components of your car.

Is Bumper To Bumper Car Insurance Mandatory In India?

Although having Bumper to Bumper Car Insurance is not yet mandatory in India, it is certainly advisable to purchase this cover, particularly in light of the extent to which it enhances your layer of financial security with regards to your car. In an August 2021 verdict of the Madras High Court, Bumper to Bumper Insurance was made mandatory for all vehicles sold after September 1, 2021.

However, following an intervention from the General Insurance Council, seeking clarity on the order and the implications thereof, the Madras High Court has modified the aforementioned order. The court has now decided to leave the decision of making a Bumper to Bumper Cover mandatory to the Indian Parliament.

The fact that the Madras High Court has recognised the significance of Bumper to Bumper Car Insurance is a reflection of its importance and, perhaps, a sign of the cover becoming legally mandatory in the near future. You must not, however, wait for that and go ahead with adding this cover to your Tata AIG Car Insurance Policy.

By adding a Bumper to Bumper Cover to your comprehensive car insurance policy or standalone own-damage car insurance policy, you can enjoy extensive financial protection for your car against a wide gamut of adverse events, including total damage events such as theft. And the best part is that the claim amount you shall be eligible for will not be any the lesser because of the depreciation accumulated on the components of your car.

If you are still on the fence about buying Bumper to Bumper Car Insurance, you must consider its advantages and feasibility, which far outweigh the additional cost it entails. It is always better to be safe than sorry, and the Tata AIG Bumper to Bumper Insurance add-on is an easy way to ensure that the repair/replacement expenses and other risks (such as theft) pertaining to your car do not end up being crippling financial nooses for you.

Here's How You Can Buy the Tata AIG Bumper to Bumper Car Insurance Add-on Cover

You can purchase Tata AIG's Bumper to Bumper Car Insurance add-on cover by following a few simple steps, which have been discussed below.

  1. Visit the Car Insurance page on our official website.
  2. Enter your car's registration number and select 'Get Price' for a new car insurance policy and 'Renew' if you already have a car insurance policy with us.
  3. Enter the required personal details on the following page, including your email address and mobile number. If you already have a policy with Tata AIG, these details will be fetched by our database.
  4. Enter the accurate and latest 'Insured Declared Value' for your car.
  5. Submit the details for your car insurance claims and accumulated 'No-claim Bonus' (if any) for the year preceding the year of policy purchase.
  6. Click on 'Get Price' to receive a quote for your Tata AIG Comprehensive Car Insurance Policy or Standalone Own Damage Car Insurance Policy (as selected).
  7. Select a plan which offers bumper to bumper or zero depreciation cover
  8. If you think that the quote fetched by our car insurance premium calculator is feasible for you, you can go ahead and make the payment of the premium online and complete the purchase/renewal process.
  9. You will find a copy of your Tata AIG Car Insurance Policy, including a Bumper to Bumper Cover, in your email inbox. You can also request the delivery of your policy documents in your WhatsApp inbox.
  10. That's it! You will have secured your car with the Tata AIG Bumper to Bumper Car Insurance add-on. Just remember to keep renewing the insurance for your car on a timely basis.

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Frequently Asked Question

1. What is Own Damage in Car Insurance?

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Own Damage cover or standalone own damage insurance in car insurance is a type of insurance policy that provides protection against various damages to your own insured vehicle and yourself.

2. Is Own Damage Car Insurance Mandatory for Your Car?

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No. A standalone own damage insurance or own damage cover is not mandatory. While it is important for protecting your car and you against financial losses, it is the third-party insurance cover that is a mandatory cover and helps you avoid legal fines.

3. Can You Get Add-ons for Stand-Alone Damage Policy?

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Yes, you can include add-ons to the own-damage cover to enhance the insurance coverage. We, at Tata AIG, offer a set of 12 unique add-on covers like Zero Depreciation, Roadside Assistance, Engine Secure and more, on our standalone own damage insurance for your car.

4. Are standalone own-damage car insurance policies optional?

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Yes, a standalone own damage insurance policy is an optional insurance cover. However, it is necessary to buy an own-damage insurance policy so that your car can be protected at all times against any type of accidental damage, theft, fires or damage arising from natural disasters and human causes – something that the mandatory but basic third-party insurance does not cover.

5. Is own-damage cover a component of basic car insurance?

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The meaning of basic car insurance refers to third-party car insurance. Having at least a basic third-party car insurance cover is a legal mandate as per the Motor Vehicles Act of 1988. However, this basic car insurance does not have an own-damage cover. Instead, you can choose and buy an own-damage insurance policy on our Tata AIG website.

6. What is the policy term of standalone own-damage car insurance policies?

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A standalone own damage car insurance policy is valid for a year and has to be renewed each year. As per a recent directive by the Insurance Regulatory and Development Authority of India (IRDAI), a standalone own damage cover can be issued for a year and then renewed annually. This is applicable in the case of new cars as well as old cars. If you have a Tata AIG standalone own damage cover, you can quickly renew it in a few easy steps by visiting our car insurance page on our website.

7. How is standalone own-damage car insurance premium computed?

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To calculate the own damage car insurance premium, it is necessary to consider the Insured Declared Value (IDV) of the car, the type of vehicle, the purchase year, as well as the geographical area of the car and the policy.

9. Why should I have a standalone own damage car insurance?

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If you only need to protect your own car against financial losses and damages and don’t feel the need for third-party insurance, you can simply opt for Tata AIG’s standalone own damage cover. Our own damage car insurance policy enables you to customise your car insurance policy as per your insurance needs and budget.

Also, after September 01, 2019, having a standalone own damage car insurance means that your third-party liability and the own damage policy are independent of one another, and you can buy them both separately.

10. How do I file an own damage car insurance claim for my car?

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You can file an own damage insurance car insurance claim for your car on our website by following a few simple steps:

  • In case of a mishap or accident in which there is damage caused to your four-wheeler, inform us about the damages immediately. You can send us an email at general.claims@tataaig.com or call us on our toll-free number – 1800 266 7780.

  • To file a claim with us, visit the “Claims” section on our website. We will appoint a surveyor to examine the damages to your car and also send you a self-inspection link on your registered mobile number. You can fill up the online form based on your inspection

  • Lastly, you can choose if you would like to opt for cashless claims and have your car repaired at our network garages or select a garage of your preference and receive reimbursement for the repair costs.

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