Car Insurance in Bangalore

Stand-Alone Third-Party Car Insurance Policy

This is mandatory by law and covers injury, death, or property damage caused to others by your car. It is important to note that the Standalone Third-Party Car Insurance Policy ensures legal compliance by providing financial protection to the policyholder in case of third-party injury, death or damage to their property. However, it does not cover your own vehicle.

Stand Alone Own Damage Car Insurance Policy

This Stand Alone Own Damage Car Insurance Policy from TATA AIG covers damage to your own car due to accidents, fire, theft, or natural calamities and must be paired with a third-party policy. You can add optional covers like Depreciation Reimbursement or Engine Secure for extra safety.

Comprehensive Car Insurance Policy

As the name suggests, this policy covers both your car and third-party liabilities. It offers protection against accidents, theft, fire, vandalism and natural disasters. Also, a Comprehensive Car Insurance Policy includes IDV-based compensation for total loss or theft and added benefits like vehicle towing and protection costs for complete peace of mind.

Financial Protection Against Accidents

Accidents are common on Bangalore’s busy roads and repairs can be expensive. Car insurance covers a major share of repair costs, saving you from sudden financial stress.

Coverage for Third-Party Liabilities

Third-party insurance is mandatory in India. It protects you from legal and financial liabilities if your car injures someone or damages property, ensuring peace of mind in case of mishaps.

Protection Against Theft and Vandalism

If your car is stolen or declared a total loss, the insurer compensates you with its Insured Declared Value (IDV), helping you recover without major financial loss.

Fire and Natural Disaster Coverage

Comprehensive policies cover damage from fire, floods and other natural calamities, vital in areas with unpredictable weather.

Cashless Repairs and Network Garages

With TATA AIG’s cashless garage network, you can repair your car without paying up front. The insurer settles bills directly, making the process quick and hassle-free.

Inclusions in the TATA AIG Car Insurance in Bangalore

• Theft Protection: If your car is stolen, the insurance compensates up to the Insured Declared Value (IDV). For own-damage policies, this coverage requires an active third-party insurance.
• Accident Damages: The car insurance covers repair costs for damages to your vehicle resulting from accidents. This is available under both Comprehensive and Standalone Own Damage (SAOD) policies, which ensures you are financially protected even in major collisions.
• Man-Made Calamities and Fire: Protects your vehicle against terrorism, riots, strikes and fire, covering for unexpected human-induced events.
• Natural Disasters: Damage caused by cyclones, earthquakes, floods, or other natural events is covered under Comprehensive or SAOD policies. This provides peace of mind during unpredictable weather.
• Third-Party Liability: You get coverage for death, injuries, or property damage caused to others in an accident. This is included in third-party and comprehensive policies.
• Transit Damages: Your vehicle is covered during transportation by air, rail, water, or road, making it ideal for relocation or long-distance vehicle transit.
• Personal Accident Cover: Optional cover for the owner-driver in case of injury or death. Passenger coverage is also available as an add-on.

Exclusions in the TATA AIG Car Insurance in Bangalore

• Driving and Usage Violations: Damages occurring while driving without a valid license, using the vehicle for commercial purposes, reckless driving, like racing, driving under the influence of alcohol or drugs, or operating the vehicle outside India.
• Negligence and Misuse: Damage due to driver negligence or lack of maintenance is not covered.
• General Wear and Tear: Regular wear and tear, mechanical or electrical breakdowns, and natural ageing of vehicle parts are not covered under any policy.
• Extraordinary Events: Damage caused by war, nuclear risks, or claims related to add-ons not purchased under your policy are also not covered.

Here is a detailed table of the most popular add-on covers included in the Tata AIG car insurance in Bangalore:

There are several factors that affect the coverage of your car insurance policy in Bangalore. Having a detailed idea of all these factors will help you choose the best policy for your vehicle. Check out these essential factors below:

Choose the Right Type of Insurance

Select a plan that matches your car’s needs. If you own an older vehicle, a Third-Party Liability policy may suffice, as it covers damages or injuries caused to others and fulfils the government requirements.

If you have a new or high-value car, opt for comprehensive car insurance that covers both third-party liabilities and your own vehicle’s damages.

Select Useful Add-ons

You can enhance your policy with add-ons suited to your driving needs. Options like Engine Protection, Zero Depreciation and Roadside Assistance provide extra financial security.

Compare Plans Online

Visit insurer websites to compare coverage, benefits and premiums. Enter your car details to receive accurate quotes. Remember, the premium depends on factors such as your car’s IDV, model, location and selected add-ons.

Look for Online Discounts

You can save more by buying your policy online. You can get digital discounts if you have a claim-free history under your Own Damage policy. Note that NCB does not apply to new policy purchases.

Check the Claim Process and Garage Network

Review the insurer’s claim process and verify the availability of cashless garages near you. These authorised garages help you with repairs after accidents, with the insurer settling bills directly.

Purchase and Get Your Policy

Once you finalise the policy, complete the purchase online for a paperless and instant issuance. Keep in mind, high-value vehicles require additional verification, but most policies are processed within minutes.

There are two instances in which you need to submit documents for car insurance in Bangalore. Once when you apply for or renew the policy and again when you file an insurance claim.

Documents Required to Apply for or Renew a TATA AIG Car Insurance

• Documents to confirm your residential address.
• A valid ID proof, such as a PAN Card, Aadhaar Card, or Voter ID.
• A recent passport-size photograph for identity verification.
• A copy of your driver’s licence.
• A Pollution Under Control (PUC) certificate to prove that your vehicle meets emission standards.
• The registration details of your car, issued by the RTO.
• Credit/Debit card or net banking information for online premium payment.
• When renewing, the existing policy number is required for quick policy renewal or transfer of NCB.
• Vehicle RC to confirm your ownership and vehicle details.

Documents Required for Car Insurance Claim

• First Information Report or a verified FIR copy is needed. This is especially for third-party or theft damage cases.
• Properly completed and signed by the policyholder.
• Copy of the driver’s licence of the driver during the incident.
• Vehicle RC to confirm ownership and vehicle details.
• Clear photographs of the accident are required when filing a reimbursement claim for accidental damages.
• Policy document to verify that the insurance policy is active.
• No Trace Report for theft claims, issued by the police as proof that the vehicle has not been recovered.
• Repair bills and receipts are needed for reimbursement-based claims, showing actual repair costs.
• RTO Transfer Papers, such as Form 29 & 30, are required for ownership transfer or second-hand vehicle claims. Form 28 is needed if a NOC is required to move the vehicle to another RTO.
• Medical or hospital documents for personal accident claims, to prove treatment, injury, or hospitalisation.

The cost of the best car insurance in Bangalore from TATA AIG depends on several factors. Following is a list of some of the most important factors of car insurance price in Bangalore:

• Insured Declared Value (IDV): This is the current market value of your car. It decides the maximum amount you can claim in case of theft or total loss. A higher IDV means a higher premium, while a lower IDV brings the premium down.
• Age of the Car: New cars cost more to insure, as they hold a higher value. As your car gets older, its value drops, which reduces both the IDV and the premium.
• Type of Policy Chosen: A third-party car insurance policy is the most basic and legally required option. A comprehensive car insurance policy costs more but gives wider protection, including coverage for your own vehicle.
• Add-Ons Selected: Extra benefits like zero depreciation car insurance, engine protection, or roadside assistance provide better cover, but they also increase the premium. Choose the add-ons based on what your car truly needs.
• Engine Size: Vehicles with larger engines usually attract higher premiums. For third-party motor insurance, the premium is fixed by the IRDAI based on engine capacity.
• Claims History: If you haven’t raised a claim in the previous policy year, you could get a No Claim Bonus (NCB). This discount can go up to 50% and lower your car insurance renewal cost.
• Buying Online: Purchasing car insurance online often helps you compare plans, customise your IDV, and get a better deal without the need for an agent.
• Other Factors: Premiums may also vary based on your residential area in Bangalore, the car’s brand and model, any modifications, and whether it has safety features like anti-theft devices.

Keep in mind, TATA AIG car insurance premiums start at just ₹2,094/year. Being the best car insurance company in Bangalore, TATA AIG car insurance is one of the best ways to protect your vehicle and stay compliant with the law.

• Step 1: Visit the official TATA AIG website and click on the ‘Brand New Car – Get Quote’ button to get started.
• Step 2: Fill in your car details, like make, model, variant, fuel type, and city of registration. For new cars, the delivery date may also be required.
• Step 3: Enter your contact and vehicle information, including mobile number, RTO code, PIN code, and car delivery date. This helps in generating an accurate quote.
• Step 4: Choose your car insurance policy, and customise it by selecting coverage and useful add-ons such as zero depreciation car insurance, engine secure, or roadside assistance.
• Step 5: Add your personal details, such as your name, date of birth, address, and email. Complete the CKYC process if prompted.
• Step 6: If you opt for the Personal Accident (PA) Cover, share your engine number, chassis number, nominee details, and other related information.
• Step 7: Make the payment using your preferred method. Once the payment is successful, your policy is issued instantly.
• Step 8: Receive your policy document in your email, or download it directly from the website.

• Step 1: Go to the TATA AIG website and click on ‘Car Insurance Renewal’.
• Step 2: Enter your policy number, vehicle registration, or mobile number to find your current policy.
• Step 3: Review your renewal quote, which is based on your vehicle’s condition, IDV, past claims, and any No Claim Bonus (NCB).
• Step 4: Add or remove covers based on your current needs. Some add-ons may be limited by the vehicle's age or claim history.
• Step 5: Verify all the details, including coverage and NCB.
• Step 6: Make the car insurance renewal Bangalore payment. If your policy has expired, a quick inspection might be required.
• Step 7: Download your renewed policy and set a reminder to stay protected without any break in coverage.

Step 1: Register Your Claim

If you face any incident or accident, ensure that you are safe. Once you are safe, you can call us on 022-6489-8282 or visit the Claims Support page. Fill in the online claim form with your personal and contact details, driving licence information, incident details, and policy number. Click ‘Submit’ to complete the process.

Step 2: Receive Your Claim Intimation Number

After registration, you will receive a Claim Registration Number. Keep it handy, as this number helps you track the progress of your claim and any updates shared by TATA AIG.

Step 3: Vehicle Inspection and Assessment

A TATA AIG surveyor will inspect your car to assess the extent of damage and estimate the repair cost. Based on this report, your car will be moved to a garage for repair work.

Step 4: Get Your Car Repaired

There are two options available: cashless claims and reimbursement claims. You can choose either of the two options:

• Cashless Claim: Take your vehicle to one of TATA AIG’s network garages, where the company directly settles the repair bill.
• Reimbursement Claim: Visit any garage of your choice, pay for the repairs and submit the bills to TATA AIG for reimbursement.

Step 5: Claim Settlement

After verification of policy terms, selected add-ons, and documents, TATA AIG processes the payment. The amount is either paid directly to the garage for cashless claims or reimbursed to you for reimbursement claims.

A cashless garage allows you to get your car repaired without paying anything up front. The insurance company directly pays the repair costs. These garages have tie-ups with TATA AIG and ensure easy claim settlements and quality repairs.

In Bangalore, TATA AIG’s network garages provide cashless repair services for policyholders. There are 5,900+ network garages across India. To find a cashless garage in Bangalore, you can follow these simple steps:

• Step 1: Visit the garage locator page on the TATA AIG website.
• Step 2: Select Bangalore as your city and enter your vehicle make.
• Step 3: Click “Search” to view a list of nearby authorised garages.
• Step 4: Choose the garage closest and most convenient for your location.

Bangalore’s roads demand very careful driving. From busy traffic and sudden weather changes to the occasional minor fender benders. While these factors make driving unpredictable, having the right car insurance will protect you against all challenges. Having good and reliable coverage, you can drive confidently knowing that your vehicle and finances are protected.

This is where the TATA AIG Car Insurance Policy comes in. It offers a safety net to keep you financially and mentally protected in every situation. The extensive coverage of the cheapest car insurance in Bangalore from TATA AIG protects you against fire, theft, natural calamities, and accidents, all while giving you the benefits of cashless repairs at 5,900+ network garages across India.

You can choose between third-party, own damage, or comprehensive car insurance. With own-damage and comprehensive policies, you can customise your policy based on your car’s age, usage and budget. TATA AIG makes buying or renewing the best car insurance policy in Bangalore very easy.

Do not wait for an accident to understand the importance of protection. Buy car insurance from TATA AIG and get a quick quote.