Car Insurance in Ahmedabad

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Car Insurance in Ahmedabad

Ahmedabad is a thriving business hub with many entrepreneurs travelling in and out of the city on a daily basis. In addition to that, the traffic in Ahmedabad is very unorganised in certain parts of the city, increasing the number of accidents and small damages to cars.

To protect yourself and your car from unexpected damage and loss during the increasing traffic in the city, having valid car insurance in Ahmedabad is necessary.

Here is all you need to know about the role and benefits of a car insurance policy in Ahmedabad.

Why Do You Need a Car Insurance Policy in Ahmedabad

  • Road Accidents - The traffic in Ahmedabad is very unorganised in certain parts of the city, increasing the number of accidents and damages to cars. In the year 2020, Ahmedabad reported 978 road accidents.

  • Monsoon Season - The monsoon season in the city is quite severe and ends up causing considerable damage to roads every year, increasing the risk of accidents in the city. This seasonal damage, combined with increasing traffic, can pose a significant threat to your vehicle’s well-**being.

  • Poor Road Conditions - Poor roads also contribute to the poor performance of four-**wheelers and increase the requirement of timely maintenance for car owners. These deteriorating road conditions can be attributed to seasonal changes and reckless driving behaviours.

  • Theft - Theft is another problem in the city of Ahmedabad. There have been many rackets of vehicle theft in the last few years. Losing your car or parts of it can be an expensive affair if you do not have the correct four-**wheeler insurance for protection.

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

Key Features and Benefits  Details
Covers loss and damage Car insurance covers any kind of loss or damage caused to your car, whether by a natural calamity or a man-made incident, such as theft, riots, accidents, terrorist activities, etc.
A vast network of garages (for cashless claims) Tata AIG has over 7500+ network garages across the length and breadth of the country, including Ahmedabad.
Customisation Flexibility  You can add over 13 different add-ons to your base policy for increased coverage.
Personal Accident Cover Our plans offer a Personal Accident Cover for the owner or driver of the car. Under this, in case of injuries suffered in an accident, the plan will cover the expenses of your treatment.
Great customer support Tata AIG has a vast network of 650 claim experts to ensure that you get the best customer experience and quick claim settlements.
High claim settlement ratio Tata AIG has a high claim settlement ratio of 99% (FY 22-23), ensuring you receive a fast settlement and no unwanted rejections.
Online claim submission You can submit your claim online by filling up the claim form. The entire procedure is simple and can be carried out from the comfort of your home.
Buy and renew online With Tata AIG, you can renew and buy car insurance online in just 3 steps, all from our website. 

Types of Tata AIG Car Insurance in Ahmedabad

Third-Party Car Insurance

Third-party car insurance is mandatory in India under the Motor Vehicle Act of 1988. Third-party four-wheeler insurance covers the expenses of any loss or damage incurred by a third party or their property due to the insured vehicle.

Pros and Cons: With a third-party car insurance plan, you can enjoy affordable premiums and a hassle-free application process as the IRDAI decides the premium rates based on engine cubic capacity. However, with these plans, there is no customisation flexibility and add-ons, and it does not provide any coverage for the insured vehicle.

Ideal For: For people living in less populated areas of Ahmedabad and who use their car sparingly, this policy is a great way to ensure minimal yet necessary coverage.

Own Damage Car Insurance

Own damage car insurance plan extends coverage for the insured vehicle in case of accidents or other casualties that can incur damage or loss.

Pros and Cons: An own damage four-wheeler insurance provides extensive coverage and protects your vehicle from theft and damage caused by natural calamities or man-made disasters like riots, explosives, etc. However, it does not provide any cover for third party liabilities.

Ideal For: For drivers residing in or commuting to accident-prone areas in Ahmedabad frequently, investing in this policy will be helpful as it provides high value for your car.

Comprehensive Car Insurance

Given the climate of the city, with a comprehensive car insurance policy in Ahmedabad, you can get coverage for third-party liabilities and own damage.

Pros and Cons: A comprehensive car insurance plan can protect your car from damages caused by earthquakes, riots, terrorist activities, etc., and offers customisation flexibility to combine different add-ons for added coverage.

Moreover, you can add a personal accident cover to the policy to take care of the medical expenses of the owner or driver arising out of a road accident. However, given the increased scope of coverage, this plan comes with a high premium rate.

Ideal For: These plans are recommended for all car owners who are looking to safeguard their personal safety and vehicle well-being to drive safely in Ahmedabad.

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

Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage Only covers third-party liabilities, inclusive of damage and loss incurred by a third party or their property. Covers for all third party liabilities as well as damages and loss incurred by the insured vehicle.
Legal Mandate Mandatory under the Motor Vehicles Act 1988. Not mandatory as per law.
Customisation Flexibility No add-ons are available with this plan. A range of 13 different add-ons is available to increase your policy coverage.
Premium Prices Lower premiums as limited coverage. Higher premiums as extensive coverage with the option of various add-ons.
Exclusions Reckless driving and speeding Driving under the influence of alcohol or other illegal substances Driving without a valid licence, registration certificate, and other compulsory documents Negligent driving Any accident reported outside Ahmedabad Reckless driving and speeding Driving under the influence of alcohol or other illegal substances Driving without a valid licence, registration certificate, and other compulsory documents Negligent driving Any accident reported outside Ahmedabad

What is the Car Insurance Rate in Ahmedabad?

Here are some of the factors that impact the insurance premium.

  • Insured Declared Value (IDV) - If you are wondering what is IDV in insurance, it is the maximum value of financial support you will receive from your car insurance. It is calculated based on your car’s market and depreciation value.

  • Policy Type and Add-ons - Based on the choice of car insurance plan and the list of add-**ons you combine, the premium rates can vary.

  • Car’s Model and Type - When you buy a car, the model and type of the car impact the premium rates. Moreover, based on the cost of the vehicle, the premium can be higher or lower.

  • Deductibles - A voluntary deductible is an option offered with car insurance wherein you cover a part of the total expenses of repairs, and the insurance policy covers the rest. If you choose a high deductible value, the premium will be lower, and vice versa.

Best Car Insurance Add-Ons to Get in Ahmedabad

  • No Claim Bonus protection cover

  • Engine Secure

  • Roadside Assistance

  • Consumable Expenses

  • Return to Invoice

  • Tyre secure

  • Repair of glass, fibre, plastic, and rubber parts

  • Daily allowance

  • Emergency transport

  • Hotel expenses

  • Key replacement

How to Buy and Perform Car Insurance Renewals in Ahmedabad with Tata AIG

How to Buy Car Insurance in Ahmedabad?

  • Go to our website.

  • Enter your car registration number and click on “Get Price”.

  • Choose the insurance plan of your choice and select any add-ons (if required) to proceed.

  • Review the final premium quote, and upon satisfaction, make the payment to buy car insurance online.

How to Complete Car Insurance Renewal in Ahmedabad?

  • Visit our website.

  • Add your car registration number and select “Renew”.

  • Review the policy terms and conditions and remove or add any riders to get the final quote.

  • Check the final quote on screen and make the necessary payment to renew your car insurance policy.

How to File a Claim for Car Insurance in Ahmedabad?

Reimbursement Claims

One way to file a claim for car insurance in Ahmedabad is via a reimbursement claim. For this option, you can visit any garage of your choice to get the car repaired and then collect all the receipts. Upon completion, submit all the receipts to us, and we will evaluate the claim and reimburse the maximum amount based on your policy terms.

Cashless Claims

The other option is a cashless claim wherein you can take your car to any of the network garages authorised by Tata AIG for repairs. Fill in the required survey to proceed, and once the repair work is completed, we will pay the garage directly. However, based on your policy terms, we will only extend permitted coverage and make the payments against the claim accordingly.

Documents Needed for Car Insurance Claims in Ahmedabad

  • Duly filled claim form

  • First Information Report (FIR) in case of an accident

  • No Trace Report from the police if your vehicle is stolen

  • Legal Notice of the concerned party in case of third-party liabilities

  • Policy documents

  • Personal details - address and identification proof

  • Hospital bills in case of personal accident claim

  • Repair bills from the garage (in case of reimbursement claims)

  • Any other document as required for claim settlement

Tata AIG Cashless Network Garages for Car Insurance in Ahmedabad

Cashless network garages offered by Tata AIG are a garage network that allows you to benefit from cashless claims against repairs due to damage or loss to your insured car. We have over 7500+ authorised garages in India that offer a wide range of quality services to ensure your vehicle is fixed correctly.

To find the cashless claim car insurance near me, you can visit our website, choose your city as “Ahmedabad”, and then enter the vehicle make number to locate your nearest garage.

Cashless claims are only permitted with comprehensive car insurance policies. Additionally, certain repair services are limited to selected cities only. Thus, always check your policy details before purchasing.

Disclaimer / TnC

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

Which is the cheapest car insurance in India?

Which is the cheapest car insurance in India?


To find out the cheapest car insurance plan, you must know the Insured Declared Value (IDV) of your car. Tata AIG car insurance in Ahmedabad can provide you with a customisable car insurance plan that can suit the unique needs of your car at an affordable price.

For how many years can I buy car insurance?


With Tata AIG car insurance, you can buy annual as well as multi-year car insurance policies. The plan offers own damage and third-party liability cover along with 13 other riders.

Can I renew my lapsed car insurance in Ahmedabad?


Yes, you can renew lapsed car insurance in any city in India. With Tata AIG car insurance, you get a grace period of about 30 days to renew an expired car insurance policy and retain the insurance benefits. You can also renew the expired policy of other insurance providers with Tata AIG.