Car Insurance in Agra

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Car Insurance in Agra

In Agra, a city with crowded streets and a high volume of tourist traffic, securing car insurance is not just a regulatory measure but a legal mandate. Insurance is designed with the purpose of ensuring that drivers possess the means to compensate for any damage or injuries they may cause while on the road and/or to the vehicle itself.

The imposition of four-wheeler insurance is a mandatory yet significant consideration for vehicle operation within the city. Thus, it is essential to learn about its purpose, features, benefits, types, procedure to claim it, etc. The below guide brings you all of this information in a comprehensive manner.

Why Do You Need a Car Insurance Policy in Agra?

Legal Requirement: First and foremost, possessing car insurance is a legal mandate in Agra, as in the rest of India. This ensures that all drivers are financially equipped to cover any damages or injuries caused to third parties.

High Traffic Congestion: Agra's roads are often congested, especially near tourist attractions. High traffic density increases the risk of accidents, making insurance vital for covering unexpected damages.

Risk of Collisions: There is a probability of collision in a crowded city. Insurance policies provide a safety net, covering repair costs that could otherwise be financially draining.

Third-Party Liabilities: Accidents may result in damage to third-party property or injuries to others. Car insurance is crucial for covering these liabilities and protecting the insured from potential legal and financial repercussions.

Financial Security: Beyond accidents and theft, car insurance policies can include add-ons for roadside assistance, personal accident cover, and more, providing a comprehensive safety net that ensures financial security in a variety of challenging scenarios.

Key Features and Benefits of Tata AIG’s Car Insurance Policy in Agra

Key Features and Benefits  Details
Savings & Affordable Premiums Save up to 75% by purchasing policies online.
Claim Assistance Access to 650 claim experts across India for an easy and quick claim process.
High Claim Settlement Ratio A 99% claims settlement ratio for FY 2024-2025 assures reliable settlement for car insurance claims.
Cashless Repairs Over 7500 network garages offer cashless services for car repairs.
Damages to Third-Party Coverage includes damages to third parties or their property.
Own Damage Cover Protection against damages from accidents, man-made, and natural disasters.
Customisable with Add-ons Choose from up to 17 add-ons for comprehensive protection.
No Claim Bonus (NCB) Receive up to a 50% discount on premiums after 5 consecutive claim-free years.
Buy/Renew Car Insurance Online Quick and easy 3-step process for policy renewal with Tata AIG.

Types of Tata AIG Car Insurance in Agra

Comprehensive Car Insurance Policy

Comprehensive Tata AIG car insurance offers extensive coverage. It includes third-party liability and also covers damages to the insured vehicle caused by accidents, theft, natural disasters, and vandalism. Comprehensive insurance allows for additional protection through add-ons. Comparatively, the premiums are higher than other insurance types.

This type of insurance is recommended for those seeking broad protection, as it also allows for various add-ons like zero depreciation cover, engine protection, and more, for an additional premium.

It is ideal for individuals who seek complete protection for their vehicle, including those who live in areas prone to accidents, theft, or natural calamities. It is best suited for new or expensive vehicle owners who want to ensure their investment is fully protected.

Stand Alone Own-Damage Car Insurance Policy

Own damage insurance policy, also called standalone insurance for cars in India, is a type of car coverage in which any harm caused to self or bike is financially insured. Damages caused due to accidental events, burglary, theft, natural calamities, fire, attacks, etc., are all covered in own-damage car insurance coverage.

It's a good option for extending protection beyond mandatory third-party insurance. Own-damage insurance can be purchased in addition to third-party insurance by adding an extra cost.

It does not cover damages or injuries caused to third parties. It is ideal for vehicle owners who already have third-party liability insurance but wish to enhance their coverage to include damages to their own vehicles.

Stand Alone Third-Party Car Insurance Policy

This is the minimum level of insurance required for vehicles to run on public roads. It covers any damage or injury caused by the insured vehicle to another person or their property. It does not cover damages to the insured vehicle or the owner.

Third-party liability insurance is essential for protecting vehicle owners against the financial implications of causing damage to others. It meets legal requirements and offers financial protection against the costs of damages or injuries caused to third parties.

The Best Car Insurance in Agra: Third-Party Vs Comprehensive Plans

Coverage Provided Third-Party Car Insurance Comprehensive Car Insurance
Legal Requirement Fulfilment Satisfies the legal mandate for vehicle insurance, covering third-party liabilities. Not only fulfils legal requirements but also provides extensive coverage beyond third-party liabilities.
Damages to Third-Party Covers injuries to people and damages to third-party property. Includes third-party liability coverage along with protection against a wide range of other risks.
Own Vehicle Damage Does not cover damages to the insured vehicle itself. Offers comprehensive coverage for the insured vehicle against accidents, theft, natural disasters, and vandalism.
Theft Offers no protection against theft of the insured vehicle. Protects against the risk of theft, providing financial compensation for the lost vehicle.
Natural Disasters Does not cover damages caused by natural calamities like floods or earthquakes. Includes coverage for damages resulting from natural disasters, offering peace of mind during adverse conditions.
Man-made Disasters Does not provide coverage for damages due to riots, vandalism, or terrorist activities. Covers damages resulting from man-made disasters, ensuring protection in tumultuous situations.
Customisable Add-Ons There is no option for adding extra coverage. Allows for the addition of various add-ons, such as zero depreciation cover, engine protector, and more, for tailored protection.
Premium Cost Lower – Generally more affordable due to limited coverage. Higher – Premiums are more expensive due to the broader protection offered.

Determination of Rate of Tata AIG Car Insurance - Agra

Determining the car insurance price in Agra involves a multifaceted approach, influenced by a combination of factors that insurers consider to calculate premiums.

IDV: The IDV full form is “Insured Declared Value”; it represents the current market value of your vehicle, serving as a ceiling on the claim amount in the event of theft or total loss. A higher IDV implies a higher premium, as the insurer’s liability increases with the vehicle's value.

No Claim Bonus (NCB): For every claim-free year, insurers offer a discount on the renewal premium as a reward for safe driving, which can significantly reduce insurance costs over time.

Location: The geographical area of operation, in this case, Agra, plays a crucial role. Urban locations with higher traffic density and risk of theft are likely to attract higher premiums compared to rural or less congested areas.

Policy Type: The choice between third-party and comprehensive insurance significantly affects the premium. Comprehensive policies, offering extensive coverage, command higher premiums than basic third-party liability insurance.

Engine Capacity: Vehicles with larger engine capacities are considered to have higher risks of accidents and claims, leading to higher insurance premiums.

Add-ons: Opting for additional coverages such as zero depreciation, engine cover, and roadside assistance will increase the overall premium due to the extra protection they offer.

Best Car Insurance Add-Ons to Get in Agra

Add-on covers on Tata AIG insurance include the following facilities:**

Minor Damage Repairs: Repairs to minor damages on car parts such as glass, rubber, plastic, or fibre are covered, allowing for repairs instead of replacements.

No Claim Bonus (NCB) Protection: NCB rewards insured members with up to a 50% discount on premiums for not making claims during the policy year.

Daily Allowance: Offers a daily allowance when your car is under repair for an extended period, covering 10-15 days based on the claim cause.

Consumables Expenses: This covers the cost of replacing consumables like engine oil, lubricants, and other necessary items after an accident, excluding fuel.

Emergency Transport and Hotel Expenses: Covers overnight hotel stays or travel expenses to the nearest city or home if your car is involved in an accident during a journey.

Zero Depreciation Cover: Compensates for the depreciation deducted on the value of replaced parts under own damage claims.

Consumables Expenses: This covers the cost of replacing consumables like engine oil, lubricants, and other necessary items after an accident, excluding fuel.

Key replacement, return to invoice, tyre secure, and engine secure are some of the other additional covers that Tata AIG offers in Agra.

How to Buy and Perform Car Insurance Renewal in Agra with Tata AIG?

How to Buy Car insurance

  • Online Process for Buying Car Insurance:

  • Visit the official website of Tata AIG for insurance purchase.

  • For existing cars, enter your car registration number in the section provided. For brand-new car insurance, click on the tab named “Insurance your Brand New Car”.

  • Enter the details as required, such as date of purchase, car brand, city - Agra, etc. The price list will open up with optional add-on covers.

  • Select add-on covers as required as per your budget and requirements.

  • Add documents as required for insurance purchase and proceed with payment after checking the terms and conditions.

  • Once payment is done and verified you will receive purchase confirmation.

  • Offline Process for Purchasing Car Insurance Near Me:

  • Purchasing car insurance offline is a straightforward process that involves direct interaction with insurance providers or agents.

  • Visit Tata AIG's local branch or contact an authorised agent.

  • During your visit or interaction, you will be presented with various insurance options, allowing you to discuss and clarify details about each policy directly with a professional.

  • They can provide personalised advice based on your specific needs and vehicle details.

  • Once you decide on a policy, you will need to complete an application form.

  • Supporting documents, such as your vehicle registration and proof of identity, must also be submitted.

  • After reviewing your application, the insurance company will issue your policy, which you can pay for via cheque or card.

How to Renew Car Insurance?

  • To renew your existing car insurance, input the car's registration number in the designated section on Tata AIG's official Website.

  • Enter your Car registration number and policy details.

  • Select a new coverage plan or add-on covers as required as per your budget and requirements.

  • Upload the required documents for the insurance purchase and review the terms and conditions carefully.

  • Proceed with the payment. After the payment has been confirmed, you will receive a confirmation of your purchase.

How to File a Claim for Car Insurance in Agra?

Reimbursement Claims

In reimbursement claims, you are responsible for paying upfront for repairs and any damages incurred. This claim process does not require repairs to be done exclusively at a network garage affiliated with the insurer. Instead, you must provide copies of the repair bills and any additional charges to receive the claim amount.

To request reimbursement with online car insurance policies, initiate your claim by contacting Tata AIG. After obtaining your claim registration number, you are free to have your vehicle repaired at a garage of your choosing. Next, submit the repair bills and compile the necessary documentation for the insurance surveyor's assessment and validation of your claim. Once your claim is approved and processed, the insurer will begin the reimbursement procedure.

Cashless Claims

With cashless service, there's no need to pay upfront for repairs at a network garage; Tata AIG will handle the payment directly with the garage.

To avail of a cashless claim, simply register your claim on our website, provide the necessary documentation, and take your vehicle to an authorised network garage for repairs. After the surveyor assesses the damage and evaluates your liability, your claim is processed and approved. Subsequently, we will liaise with the network garage to settle the bills, deducting the amount from your insured sum.

Documents Needed for Car Insurance Claims in Agra

  • Copy of the insurance policy document

  • Signed claim form by the policyholder

  • First Information Report (FIR) for accidents

  • No Trace Report and a letter to the Regional Transport Office (RTO) for stolen vehicles

  • Legal notice received in cases of third-party liabilities

  • Personal identification and address proofs

  • Hospital bills if filing a personal accident claim

  • Repair estimates, invoices, and payment receipts from the network garage

  • Repair bills for reimbursement claims

  • Vehicle registration details, including a photocopy of the Registration Certificate (RC) and the original vehicle keys

  • Copy of the driver's licence

Tata AIG Cashless Network Garages for Car Insurance in Agra

Network garages are repair shops or service centres that have an agreement with Tata AIG to provide repair services to their policyholders. These garages are part of the Tata AIG network, enabling policyholders to avail themselves of cashless repair services for their vehicles.

Locate Tata AIG’s Network Garages

For Tata AIG cashless network garages, open Tata AIG’s garage locator website.

Enter Agra in the City Select Option

Enter the Brand name of your Car in the “Enter Make” section.

Click on search, and the list of garages in Agra will appear.

Note that, certain services like cashless repairs are only available under comprehensive plans, and certain services are available only in select cities. You can contact our customer service to clear any doubts before moving forward with the purchases.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Related Articles

Can I transfer my car insurance from another city to Agra with Tata AIG?

Can I transfer my car insurance from another city to Agra with Tata AIG?


Yes, you can transfer your car insurance to Agra with Tata AIG. You may need to provide your current policy details and any required documents for the transfer process.

Is online car insurance renewal with Tata AIG available for all types of policies?


Yes, online renewal is available for all types of car insurance policies with Tata AIG, including third-party, comprehensive, and own-damage policies.