Car Insurance in Bangalore

If you’ve recently bought a car and are wondering why car insurance is necessary, here’s a simple explanation. Car insurance is not just a safety net—it’s a smart and legal requirement for every car owner in India.

• It’s Required by Law

As per the Motor Vehicles Act, having third-party car insurance is mandatory for all vehicles on Indian roads. If you're caught driving without valid insurance, you may face a fine of ₹2,000 for the first offence and ₹4,000 for repeated violations. This rule applies in all cities, including Bangalore.

• Financial Protection When You Need It Most

Whether your car is involved in an accident, gets stolen, or is damaged due to floods or fire, a car insurance policy can help cover the cost of repairs or replacement. This saves you from paying large sums from your own pocket.

• Covers Third-Party Liabilities

If your car causes damage to another vehicle, someone’s property, or leads to an injury, third-party vehicle insurance covers those costs. This protects you from high legal and financial responsibilities.

• Comprehensive Coverage Offers Extra Peace of Mind

With comprehensive car insurance, you get more than just basic protection. Add-ons like zero depreciation car insurance, engine protection, and roadside assistance ensure your car is well covered during claims. This type of policy is ideal for both new and older vehicles.

Choosing the right insurance plan ensures you stay financially protected, legally compliant, and stress-free on the roads of Bangalore.

TATA AIG offers a well-rounded car insurance policy in Bangalore that combines affordability, convenience, and wide-ranging protection.

Here’s a quick look at the key features and benefits:

Driving in Bangalore means dealing with traffic, tight lanes, and sudden rain. In a city like this, having the right car insurance is not just helpful, it's necessary. TATA AIG offers three types of car insurance in Bangalore, so you can choose what suits you best.

You can also add extra protection with options like Zero Depreciation, Engine Protection, Roadside Assistance, Return to Invoice, and more. The cost of your policy depends on your car's make, age, and where you live in the city.

Comprehensive Car Insurance Policy

This plan covers both your car and any damage caused to others. It includes protection from accidents, fire, theft, and weather-related damage. For someone who wants complete cover and less stress on the road, this is a smart pick.

Standalone Own Damage Car Insurance Policy

If you want to protect your car but already have third-party insurance, this is a good option. It covers your car if it’s damaged by an accident, fire, or flood. However, it does not include third-party cover, so that needs to be purchased separately to meet legal rules.

Standalone Third Party Car Insurance Policy

This type of insurance is required by law under the Motor Vehicles Act, 1988. It protects you from paying for damage or injury caused to other people or property. While it doesn’t cover your own car, it does keep you legally safe on the road. You can also choose to add a Personal Accident Cover for extra peace of mind.

If you’re buying car insurance in Bangalore and wondering which policy makes more sense for your needs, this comparison will help.

Whether you’re just looking to follow the law or want full protection for your vehicle, here’s a clear look at how third-party and comprehensive plans differ.

When selecting the right car insurance in Bangalore, it’s useful to know what affects the premium you pay. Understanding these factors can help you plan better and possibly reduce your costs.

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.

By keeping these points in mind, you can choose a plan that offers the right balance between coverage and cost.

Bangalore’s roads can be unpredictable—from water-logged streets in Koramangala to bumper-to-bumper traffic near Hebbal. While a comprehensive car insurance policy covers the basics, the right add-ons can go a long way in protecting you from the little surprises that come with owning a car in a busy city. TATA AIG offers a wide range of add-on covers that you can choose based on your driving needs and lifestyle.

Here are some of the most useful options:

• No Claim Bonus (NCB) Protection: Helps you keep your NCB discount even if you raise one claim during the policy term. This is especially helpful for minor repairs that you don’t want to lose your reward over.

• Depreciation Reimbursement (Zero Depreciation Cover): Ensures you don’t have to pay out of pocket for depreciation when parts are replaced during a claim. You get the full cost back—no deductions.

• Return to Invoice Cover: If your car is stolen or completely damaged, this add-on helps you recover its full on-road price, including registration charges and road tax.

• Engine Secure: Useful during Bangalore’s rainy season, this add-on covers damage to your engine or gearbox due to water ingress or oil leakage.

• Repair of Glass, Fibre, Plastic & Rubber Parts: Takes care of small but important parts often left out of standard claims—like side mirrors, bumpers, or rubber fittings.

• Key Replacement: If your keys are lost or stolen, this cover reimburses the replacement cost, including lock and labour charges.

• Tyre Secure: Covers repair or replacement of tyres and tubes damaged due to an accident. Not applicable for general wear and tear.

• Loss of Personal Belongings: Covers damage or loss of personal items kept in your car during an accident or insured event.

• Roadside Assistance: Whether your car breaks down in the city or on a weekend drive out of town, this cover ensures help is just a call away—be it towing, tyre repair, or emergency fuel.

• Daily Allowance Plus: Helps with daily transport costs while your car is in the workshop. You may also be eligible for a temporary vehicle for a few days, depending on the cover.

These add-ons give you the freedom to customise your TATA AIG car insurance policy to better match the way you drive and the city you live in. It’s a smarter way to stay prepared—without spending more than you need to.

Looking to get or renew your car insurance in Bangalore? With TATA AIG, the process is quick, convenient, and fully online.
Here’s how you can do it—whether you're buying a policy for the first time or simply renewing it.

How to Buy New Car Insurance Online

• Visit the official TATA AIG website and click on the ‘Brand New Car – Get Quote’ button to get started.

• 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.

• Enter your contact and vehicle information, including mobile number, RTO code, PIN code, and car delivery date. This helps in generating an accurate quote.

• 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.

• Add your personal details, such as your name, date of birth, address, and email. Complete the CKYC process if prompted.

• If you opt for the Personal Accident (PA) Cover, share your engine number, chassis number, nominee details, and other related information.

• Make the payment using your preferred method. Once the payment is successful, your policy is issued instantly.

• Receive your policy document in your email, or download it directly from the website.

How to Renew Your Car Insurance Policy

• Go to the TATA AIG website and click on ‘Car Insurance Renewal’.

• Enter your policy number, vehicle registration, or mobile number to find your current policy.

• Review your renewal quote, which is based on your vehicle’s condition, IDV, past claims, and any No Claim Bonus (NCB).

• Add or remove covers based on your current needs. Some add-ons may be limited by the vehicle's age or claim history.

• Verify all the details, including coverage and NCB.

• Make the renewal payment. If your policy has expired, a quick inspection might be required.

• Download your renewed policy and set a reminder to stay protected without any break in coverage.

Filing a car insurance claim with TATA AIG is simple and can be done online. Whether you choose a cashless option or a reimbursement route, here’s a clear step-by-step process to help you get started:

Step 1: Register Your Claim

Once you’re safe, log in to your TATA AIG account and select the ‘Claim’ option. Fill in the online form with these details:

• Car insurance policy number

• Name, contact number, and address

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

• Incident-related details

• Type of claim: own damage, third-party, or theft

• Click Submit to complete the registration.

Step 2: Get the Claim Intimation Number

After your claim is registered, you’ll receive a Claim Registration Number. Keep it safe—this will help you track your claim and any updates that follow.

Step 3: Damage Inspection

A surveyor from TATA AIG will visit and inspect the damage to your car. This helps assess the repair work needed and finalise the claim amount.

Step 4: Take Your Car to the Garage

• Based on the inspection report, your car will be moved to a garage.

• Cashless Claim: Choose from over 5,900 network garages. Repairs are handled directly by TATA AIG.

• Reimbursement Claim: Visit a garage of your choice. Pay for the repairs, then share the bills with us to get reimbursed.

Step 5: Get Your Car Repaired

Repairs begin at your selected garage. Whether you pick a network garage or not, work is done as per the surveyor’s recommendations.

Step 6: Claim Settlement

After repairs are complete, TATA AIG will go through the documents, add-ons selected, and your policy terms. The approved amount is paid directly to the garage (for cashless) or reimbursed to you (for reimbursement claims).

Below is the list of documents commonly required when filing a car insurance claim with TATA AIG in Bangalore. Additional documents may be needed based on your claim type:

• A duly filled and signed claim form

• A copy of the First Information Report (FIR) (mandatory in theft and third-party cases)

• A copy of the vehicle’s Registration Certificate (RC)

• A copy of the driver’s valid licence at the time of the incident

• A copy of the TATA AIG car insurance policy document

• Photographs of the damaged vehicle (especially for reimbursement claims)

• Repair bills and payment receipts from the garage (for reimbursement claims)

• A No Trace Report from the police (required for theft-related claims)

• Medical and hospital documents (for personal accident claims)

• Form 29 and Form 30, signed, in case of second-hand vehicle claims

• Form 28 (if applying for a No Objection Certificate to transfer RTO location)

• NOC and Form 35 (if the vehicle is under loan or hypothecation)

For specific cases, it's best to contact TATA AIG’s support team at 022-6489-8282 (charges apply) for step-by-step assistance.

With TATA AIG, you don’t have to worry about paying upfront for car repairs. Our cashless garages are part of an authorised network where we settle repair bills directly with the garage—so you can focus on getting back on the road quickly.

We have a network of 10,000+ cashless garages across India, including many in Bangalore, offering quality service and faster repairs.

How Do Cashless Claims Work?

Step 1: Inform TATA AIG and locate the nearest authorised garage.

Step 2: Take your car to the garage. A survey will be done to assess the damage.

Step 3: Once the claim is approved, repairs begin. After completion, TATA AIG pays the garage directly.

Click here to find a TATA AIG Cashless Garage near you.