Car Insurance in Ahmedabad

Driving around Ahmedabad can be tricky. From busy junctions at Nehru Bridge to narrow lanes in the old city, anything can happen. That’s why getting a car insurance policy in Ahmedabad is not just helpful, it’s necessary.

• Accidents are common

Even careful drivers face surprises. A small hit or scratch in traffic can cost a lot to fix. With a good car insurance plan, these expenses don’t come from your own pocket.

• You’re also responsible for others

If your car damages someone else's vehicle or hurts someone, you may have to pay for it. This is where third-party car insurance helps by covering the costs.

• It’s the law

Driving without a valid third-party motor insurance is against the rules. You could be fined or stopped by the police. A simple policy helps you avoid all that.

• Repairs can be expensive

From broken lights to water damage during monsoon, car repairs don’t come at a low price. A comprehensive car insurance plan helps you manage these costs better.

• You can add more cover if needed

With TATA AIG, you can make your plan more useful. Add-ons like

• Zero Depreciation Cover

• Roadside Assistance

• Key Replacement Cover

• No Claim Bonus Protection

• give your policy extra value.

• Feel more relaxed on the road

Whether you’re driving to work or planning a weekend trip, insurance gives you confidence. You know help is available if something goes wrong.

With TATA AIG, buying or renewing your policy is quick and easy. It takes only a few steps online. So, if you have a car in Ahmedabad, don’t wait. Choose the right cover and drive with peace of mind.

Looking for simple and dependable car insurance in Ahmedabad? Here's how TATA AIG makes things easier and better for car owners:

• Affordable plans starting from ₹2,094

You don’t need a big budget to protect your car. TATA AIG’s car insurance starts at just ₹2,094.

• Up to 75% discount available

If your car is older, you can get up to 75% off when buying your policy online.

• Easy to buy or renew

You can complete your car insurance in just three simple steps online. It takes only a few minutes.

• No Claim Bonus (NCB) up to 50%

If you don’t make any claims for five years, you can enjoy a discount of up to 50% on your premium.

• Extra protection with add-ons

You can choose from 20 useful add-ons. These include engine protection, key replacement, tyre cover, and zero depreciation.

• Covers damage caused to others

If your car hits another vehicle or damages someone’s property, TATA AIG will cover the costs under third-party car insurance.

• Covers damage to your own car

The policy also helps if your car gets damaged in an accident, flood, fire, or theft.

• 5900+ cashless garages across India

You can get your car repaired at any of the network garages without paying on the spot.

• Claim support when you need it

A team of 650 experts is available to help you with the claim process and answer your questions.

• Personal accident cover for owner-driver

The insurance gives up to ₹15 lakh cover to the owner-driver in case of an accident.

With these features, TATA AIG car insurance gives you comfort, savings, and helpful support whenever you need it. It's a smart choice for car owners in Ahmedabad.

When it comes to protecting your car, choosing the right type of insurance matters. TATA AIG offers different car insurance plans to match the needs of all kinds of drivers—whether you’re behind the wheel every day or just once in a while.

Let’s take a look at the three main types of car insurance available in India.

Comprehensive Car Insurance

A comprehensive car insurance policy offers complete protection. It covers damage to your car and also pays for any damage or injury caused to others by your vehicle.

This type of policy takes care of accidents, theft, fire, natural disasters like floods or earthquakes, and third-party claims. It is one of the most well-rounded plans you can buy.

This plan is best suited for car owners who drive regularly and want complete peace of mind on the road.

Standalone Own Damage Car Insurance

A standalone own damage policy focuses only on your car. It provides coverage if your vehicle gets damaged in an accident or suffers loss due to fire, theft, vandalism, or natural disasters such as storms or landslides.

However, it does not cover any damage caused to third parties. If you want third-party protection, you will need to buy a separate third-party policy.

This type of insurance is ideal for people who already have third-party coverage and want added protection for their own vehicle.

Standalone Third-Party Car Insurance

A standalone third-party car insurance policy is required by law under the Motor Vehicles Act. It covers damage or injury that your car may cause to someone else’s vehicle, property, or person.

This plan does not offer any cover for your own car. However, you can include a personal accident cover to protect the owner-driver in case of an accident.

This option works well for those who drive less frequently and are mainly looking for basic legal protection.

In addition to these plans, TATA AIG allows you to customise your car insurance with several helpful add-ons. You can choose from options like Zero Depreciation Cover, Roadside Assistance, Return to Invoice Cover, Engine Protection, and Key Replacement, among others.

The cost of your policy depends on your car’s model, age, and the area you live in. No matter which plan you choose, TATA AIG makes sure that you get the right coverage, simple claim support, and a smooth experience from start to finish.

Comparison: Comprehensive vs Third-Party Car Insurance

Before choosing a car insurance policy, it’s important to understand the key differences between comprehensive and third-party plans.

Here's a simple comparison to help you decide what suits your needs best.

When you're buying or renewing your car insurance in Ahmedabad, it's helpful to know what makes your premium go up or down. Understanding these factors can help you choose a policy that fits your needs and budget better.

Here are the main things that affect your car insurance premium:

• Insured Declared Value (IDV)

IDV is the current market value of your car after reducing depreciation. It’s also the highest amount you can get from your insurer if your car is stolen or totally damaged. A higher IDV means better coverage—but also a higher premium.

• Age of the Car

New cars usually come with higher insurance premiums because they are worth more. As the car gets older, its value goes down, and so does the premium. That’s why older cars cost less to insure.

• Type of Insurance Coverage

Your choice of policy makes a big difference.

Third-party car insurance is the most affordable, but it only covers damage to others.

Comprehensive car insurance covers both your car and third-party damage, so it costs more but gives full protection.

• Add-Ons Chosen

Add-ons are extra benefits you can include in your policy—like zero depreciation, engine protection, or roadside assistance. Each add-on adds a little to your premium, but also increases the level of support your policy gives you.

• Engine Capacity

The size of your car’s engine also affects the premium. Cars with higher engine capacity (like SUVs or sports cars) usually have higher premiums. This is because repair costs for bigger engines are also higher.

• Deductibles

A deductible is the amount you agree to pay out of your own pocket during a claim. If you choose a higher voluntary deductible, your premium will be lower. But it also means you’ll have to pay more when a claim happens.

• Claims History

If you’ve gone a whole year without making a claim, you get a No Claim Bonus (NCB). This bonus gives you a discount on your next premium. If you don’t make claims for five years in a row, you can get up to 50% off on your renewal premium.

• Buying Insurance Online

When you buy car insurance online, you can compare different plans, adjust your IDV, and find the most affordable premium. It also saves you time and gives you more control over your policy.

• Other Factors

Other things like your age, where your car is registered, the make and model of your vehicle, and whether you’ve made modifications or added security features can also impact the premium amount.

By knowing these factors, you can make better choices when customising your TATA AIG car insurance policy in Ahmedabad. This helps you get the right cover without paying more than necessary.

When you purchase car insurance in Ahmedabad, choosing the right add-on covers can give your policy more value and ensure better protection during unexpected events.

TATA AIG offers a wide range of 20 add-ons that can be included with your comprehensive car insurance plan. These add-ons provide specific benefits that extend the scope of your policy and cover real-life scenarios you may face on the road.

Here are some of the best car insurance add-ons to consider:

• No Claim Bonus (NCB) Protection Cover

This add-on allows you to retain your No Claim Bonus even if you make one claim during the policy period. You are eligible for this benefit if you have completed at least two consecutive claim-free years.

• Zero Depreciation Car Insurance

Also called Depreciation Reimbursement Cover, this add-on ensures that no depreciation is deducted on replaced parts during a claim. It helps you get the full repair value for your vehicle parts.

• Return to Invoice Cover

If your vehicle is stolen or suffers total loss, this cover pays the difference between the car’s current IDV and its original on-road price, including registration, tax, and insurance charges.

• Engine Secure Cover

This add-on covers repair or replacement costs for internal engine parts, gearbox, and transmission systems if they are damaged due to water or lubricant leakage.

• Repair of Glass, Fibre, Plastic, and Rubber Parts

This cover pays for minor repairs to non-metal parts like bumpers or rubber trims. If this is the only claim made, your No Claim Bonus remains unaffected.

• Key Replacement Cover

If your keys are lost or stolen, this cover reimburses the cost of replacing them along with locks and labour charges.

• Tyre Secure Cover

This add-on covers the cost of repairing or replacing tyres and tubes that get damaged due to accidents, excluding regular wear and tear.

• Loss of Personal Belongings Cover

If your personal items are lost or damaged in the car during an accident, this add-on provides reimbursement up to a specified limit.

• Roadside Assistance Cover

This add-on gives you access to 24x7 emergency help such as towing, tyre repair, jump-starting the battery, or fuel delivery if your car breaks down.

• Daily Allowance Plus and Emergency Expense Covers

These covers take care of transport and hotel expenses if your vehicle is under repair after an accident, and also reimburse medical costs for the driver and passengers if they are injured.

By including these add-ons with your TATA AIG comprehensive car insurance, you can improve your coverage and enjoy more benefits during your car insurance renewal.

These optional features make driving in Ahmedabad safer and more stress-free. Always choose add-ons that match your driving habits and lifestyle to make the most out of your car insurance policy.

Before buying car insurance in Ahmedabad, it helps to clearly understand what your policy will cover and what it won’t. This allows you to make informed choices and avoid confusion at the time of a claim.

Here's what a TATA AIG car insurance policy typically includes and excludes:

What’s Included in TATA AIG Car Insurance

TATA AIG car insurance offers a wide range of coverage under its comprehensive car insurance and Standalone Own Damage (SAOD) plans:

• Accident Damages: Covers the cost of repairing your car if it is damaged in a road accident.

• Theft: Offers financial protection up to the Insured Declared Value (IDV) if your car is stolen.

• Natural Disasters: Includes damages caused by floods, cyclones, earthquakes, and other natural events.

• Man-Made Calamities & Fire: Covers damage due to riots, strikes, vandalism, terrorism, and fire-related accidents.

• Transit Damages: Pays for damage that occurs while transporting your car via road, rail, air, or water.

• Third-Party Liability: Covers legal and financial responsibility if your vehicle causes injury, death, or property damage to someone else.

• Personal Accident Cover: Provides optional coverage up to ₹15 lakhs for the owner-driver, with additional cover available for passengers.

• Car Insurance Add-Ons: You can enhance your policy with add-ons like zero depreciation car insurance, Roadside Assistance, Engine Secure, and more.

What’s Not Included in TATA AIG Car Insurance

While the coverage is extensive, some situations are not covered under the policy:

• Driving Violations: No cover is provided if the car is driven without a valid licence or under the influence of alcohol or drugs.

• Commercial Use: Claims are not valid if a private car is used for commercial activities.

• Geographical Limit: Damage occurring outside India is not covered.

• Negligence: Damages due to poor maintenance, mechanical failure, or regular wear and tear are excluded.

• Extreme Events: Losses caused by war, nuclear incidents, or acts of terrorism are not included unless specified.

• Unpurchased Add-ons: Coverage under specific add-ons is only applicable if they are actively included in your policy.

To ensure complete protection, always read your policy terms carefully and select relevant covers based on your needs.

If you’re looking to insure a new car or renew your existing car insurance in Ahmedabad, TATA AIG makes the process easy and clear. You can complete both buying and renewal online from the comfort of your home. Here’s how:**

How to Buy New Car Insurance Online

Step 1:

Visit the official TATA AIG website. Click on the ‘Brand New Car’ option and select ‘Get Quote’ to begin.

Step 2:

Enter important details about your vehicle such as the make, model, fuel type, and the city of registration. If your car is new, also provide the expected delivery date.

Step 3:

Fill in your mobile number, PIN code, RTO code, and car delivery date. This helps generate a price that suits your car and location.

Step 4:

Choose the type of insurance you prefer. You can go with a comprehensive car insurance plan or a third-party car insurance policy. Add-ons like zero depreciation car insurance, Engine Secure, and Roadside Assistance are also available.

Step 5:

Enter your personal details such as your name, address, date of birth, and email ID. Complete the CKYC **Step as required.

Step 6:

If you choose Personal Accident (PA) cover, provide the engine number, chassis number, loan (hypothecation) details, and nominee name.

Step 7:

Review the policy details and make the payment using your preferred method.

Step 8:

After payment, your policy will be issued instantly. A copy will be sent to your email, and you can also download it from the website.

How to Renew Your Car Insurance Policy

Step 1:

Go to the TATA AIG website and select the ‘Car Insurance Renewal’ option.

Step 2:

Enter your existing policy number, car registration number, or mobile number. The system will fetch your details.

Step 3:

Check your renewal quote. This is based on your vehicle’s value, any past claims, and available No Claim Bonus (NCB).

Step 4:

Add or remove any covers depending on your current needs. You may want to include zero depreciation car insurance, Tyre Secure, or Key Replacement.

Step 5:

Review your policy terms carefully and confirm the renewal details.

Step 6:

Make the payment to complete the renewal. If your policy has already expired, your car may need to be inspected before the renewal is approved.

Step 7:

Once payment is complete, your new policy document will be ready to download and sent to your email.

Buying or renewing TATA AIG car insurance in Ahmedabad is a simple process that gives you continued protection and peace of mind every time you drive.

Filing a car insurance claim with TATA AIG is a straightforward process. Whether your car is damaged in an accident or stolen, you can follow these steps to raise your claim:

• Register Your Claim

Start by logging into your TATA AIG account and clicking on the “Claim” section. Fill in the online form with:

• Your car insurance policy number

• Your name, contact number, and address

• Driving licence details (yours or the driver’s)

• Information about the accident or damage

• A copy of the FIR, if needed

• Surveyor Visit

TATA AIG will assign a surveyor to inspect the damage. The surveyor will examine the vehicle and submit a report to the insurance team.

• Take Your Car to a Garage

• Based on the surveyor’s report, take your car to a garage. You can choose from over 5,900 authorised network garages or any garage of your choice.

• Cashless Claim: If you choose a network garage, TATA AIG will pay the garage directly for the covered repairs.

• Reimbursement Claim: If you go to a non-network garage, pay for the repairs and later submit all bills to get reimbursed as per your policy.

• Get Your Car Repaired

Make sure the repair is done as recommended by the surveyor. TATA AIG allows repairs at both network and non-network garages, depending on your choice.

• Claim Settlement

Once the repairs are complete and the documents are submitted, TATA AIG will process your claim. If everything is in order, they will either pay the garage or reimburse you.

When filing a car insurance claim with TATA AIG in Ahmedabad, it's essential to have the right documents in place. Whether the claim is due to an accident, theft, or third-party involvement, submitting complete paperwork ensures faster claim processing. Below is a checklist of commonly required documents. Based on your claim type, additional paperwork might be requested.

• A duly filled and signed claim form is mandatory for initiating the claim.

• A verified copy of the FIR (First Information Report) is required in case of theft, accident, or third-party liabilities.

• A copy of your vehicle’s Registration Certificate (RC) helps establish valid ownership of the car at the time of the incident.

• A copy of the driving licence of the individual driving the vehicle during the mishap must be submitted.

• A copy of your car insurance policy from TATA AIG is required to confirm coverage and policy validity.

• For reimbursement-based claims, accident photographs showing the vehicle damage must be included.

• Attach all repair bills and receipts if you've opted for a reimbursement instead of cashless repairs.

• For theft-related claims, a No Trace Report from the police is essential to confirm that the stolen vehicle hasn’t been found.

• In the case of personal accident claims, include hospital or medical documents supporting the injuries, treatment, or hospitalisation.

• If the car is a pre-owned vehicle, you will need signed RTO forms like Form 29 and Form 30, while Form 28 is required when applying for an NOC to transfer the car to a different RTO.

• If your vehicle has an active loan, you must submit the NOC and Form 35 to show that the vehicle is hypothecated and notify the lender.

For a smooth experience, you can contact TATA AIG’s customer service team for guidance tailored to your specific claim.

TATA AIG offers access to a vast network of cashless garages across Ahmedabad, giving policyholders a convenient way to repair their insured vehicles without making upfront payments. With over 10,000 authorised garages across India, TATA AIG ensures that customers have access to quality repair services wherever they are.

If your vehicle is damaged, you can take it to any of these authorised garages. TATA AIG will settle the bill directly with the garage as per the terms of your comprehensive car insurance policy. You may only need to pay a deductible or charges not covered under your policy.

To find a cashless garage near you, visit the official TATA AIG website. Choose “Ahmedabad” as your city and enter your vehicle details to locate the nearest authorised workshop.