Car Insurance in Bhubaneswar

• Between 2020 and 2024, the number of injuries due to road traffic accidents grew from 8818 to 10770 while fatalities grew from 4738 to 6142, according to the State Transport Authority.
• According to a road safety study, Bhubaneswar has nine black spots on NH-16 and NH-316, prone to road accidents, injuries and fatalities. This includes the road junctions at Ravi Talkies, CRP, Fire Station, Baramunda, Rasulgarh, Patia, and Vanivihar.
• Heavy traffic congestion is reported along the routes of Jayadev Vihar to Nandankanan Road, Pahala to Rasulgarh Road, and Khandagiri to Tomando Road.
• Unauthorised parking of cars and two-wheelers on public roads blocks traffic, increases vehicle collisions, and puts pedestrians at risk.
• Odisha charges heavy fines ranging from ₹500 to ₹25,000 for traffic violations, dangerous driving habits, and other offences, such as not having valid insurance, as per an Odisha Transport notification.

Mandatory Legal Requirement

As per the Motor Vehicles Act, 1988, every car must have third-party insurance coverage to legally drive on Indian public roads. If you are caught driving without a valid insurance plan, the penalties range from fines of ₹2,000 to ₹4,000 and imprisonment for six months. This makes insurance necessary for every car owner.

Protection from Accidental Damage

No matter how safely you drive, an accident can happen. A four-wheeler insurance policy offers financial protection covering the cost of repairs and complete replacement due to a total loss. Since the cost of repairing a damaged car can range from tens of thousands to lakhs of rupees, car insurance is necessary to protect your ride.

Covers Theft and Fire

In recent years, vehicular theft has been on the rise, leading to many vehicle owners permanently losing their cars. Fire-related damages from accidents, natural disasters and vandalism are another major threat for owners. A car insurance policy can cover the full cost of replacing a stolen or completely damaged vehicle, subject to certain limits.

Covers Third-Party Liabilities

Third-party liabilities are legal and financial obligations for car owners that happen when they cause property damage, injuries or death from accidents caused by their cars. In a city with unsafe conditions for pedestrians, the risk of third-party damages can be quite high. A third-party or comprehensive insurance can cover such liabilities.

Third Party Car Insurance Plan

Third-party car insurance Bhubaneshwar is a basic and affordable plan that covers third-party injuries, fatalities and property damage. TATA AIG’s Third Party Car Insurance covers bodily injuries, legal defence fees, coverage for permitted drivers, and property damage up to ₹7.5 lakhs. It’s a suitable plan for anyone who doesn’t use their vehicle often and is looking for the most affordable insurance.

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Own Damage Car Insurance Plan

TATA AIG’s Standalone Own Damage Car Insurance protects you financially in case of damages to your car due to accidents, fire, theft, natural calamities and other risks. It offers various benefits, such as the option for various add-ons, affordable premiums, personal accident cover, No Claim Bonus and online discounts. The own damage car insurance is perfect for anyone who already has a third-party plan.

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Comprehensive Car Insurance Plan

Our comprehensive car insurance Bhubaneshwar is a complete package that covers everything from damage and loss to your car to third-party liabilities and personal accident cover. Furthermore, you can customise the plan with 20 add-ons depending on your needs. Other benefits include up to 50% No Claim Bonus, up to 85% online discounts and access to 6300+ cashless garages. It’s perfect for all-round financial protection.

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Car Insurance Bhubaneshwar Inclusions

• Accidental Damage: The car insurance policy covers damage and loss from accidents by external means.
• Transit Damage: It covers damage to the insured vehicle while it’s being transported via road, rail, air, waterway, lift or elevator.
• Fire: This covers damage or loss by fire from self-ignition, lightning or explosions.
• Natural Calamities: It covers damage from floods, earthquakes, cyclones, hurricanes, storms, frost and other natural events.
• Manmade Disasters: This includes damage from riots, terrorism, strikes and malicious manmade acts.
• Theft: The car insurance compensates the cost of a stolen car up to the Insured Declared Value.
• Personal Accident Cover: It provides a fixed compensation for bodily injury or death of the owner-driver from an accident involving the insured car.
• Third-Party Liabilities: This covers third-party injuries, death, and property damage, as well as the owner-driver’s legal defence expenses.

Car Insurance Bhubaneshwar Exclusions

• Wear and Tear: The car insurance policy does not cover consequential loss, regular wear and tear, depreciation, failures and breakages.
• Alcohol and Drugs: The plan excludes damages suffered while the driver was intoxicated by alcohol, drugs, or other substances.
• Self-Injuries: No damage or loss is covered if it’s due to inflicted self-injuries or suicide attempts.
• Lack of Licence: Damages caused by a driver who doesn’t have a valid driving licence are excluded.
• Rash Driving: Damage caused by a negligent driver, reckless driving or dangerous activities such as speed racing and crash testing are excluded.

Disclaimer: The above inclusions and exclusions are not exhaustive and subject to certain terms and conditions. Please refer to the Policy Wording document for details.

1. Return to Invoice: The Return to Invoice Add-on helps cover the full invoice value of your car for replacement. It covers the difference between the car’s Insured Declared Value and on-road price, including road tax, registration fees and insurance costs.

2. Misfuelling Cover: This add-on pays for wrong or adulterated fuel filled at a petrol pump. It covers the cost of flushing, cleaning and repairing the fuel system as well as the cost of fuel, up to ₹2,000 upon submission of the bill.

3. Depreciation Reimbursement: Also called the Zero Depreciation Cover, this add-on ensures that you get the full claim amount. It covers the depreciation amount on replaced or repaired parts on an own damage claim.

4. Engine Secure: The Engine Secure Add-On covers costly repairs due to water ingress or leakage of lubricating oil into the engine, gearbox, transmission and differential assembly.

5. Emergency Medical Expenses: It pays for the medical expenses of every person injured in the insured car due to an accident. This add-on covers hospital bills, ambulance charges and supporting items, such as wheelchairs, crutches and artificial limbs.

6. No Claim Bonus Protection: The NCB Protection Cover saves your accumulated No Claim Bonus from being terminated upon filing a single major claim during the previous year. The policyholder must not have filed claims for at least two years.

7. Vehicle Loan Protector: The death or permanent disability of the policyholder can be a major financial burden, especially if the insured car has an outstanding loan. The Vehicle Loan Protector covers the entire amount, subject to some conditions.

8. Daily Allowance Plus: If your vehicle is in the garage for an own damage claim, the Daily Allowance Plus Add-On covers the cost of alternative transportation. It either provides a courtesy/hired car or pays a daily allowance for up to 15 days for theft/total loss.

9. Roadside Assistance: The Roadside Assistance Cover gives you access to roadside breakdown and repair services at any time and any place. It provides on-the-spot repairs, flat tyre services, towing services, fuel delivery, taxi support and other services.

10. Consumable Expenses: This add-on covers the cost of small items/consumables used during repairs following an accident. The items covered include air conditioning gas, nuts, bolts, screws, oil filters, lubricants, engine oil, gearbox oil, and distilled water.

11. Key Replacement Cover: The Key Replacement Add-On reimburses the cost of lost and stolen car keys. It also covers replacement of damaged locks and labour charges following a vehicle break-in.

12. Tyre Secure: The Tyre Secure Add-On covers repair and replacement costs of tyres and tubes, but doesn’t cover wear and tear and minor damage. It covers the cost of up to four replacements within the policy tenure.

13. Emergency Transport and Hotel Expenses: This add-on covers the cost of overnight hotel stays and transportation expenses to get to the nearest city or your residence. Any claim for this add-on requires you to file an own damage accident claim for your disabled vehicle.

14. Additional Towing Charges: The Additional Towing Charges Cover pays for towing your damaged/disabled vehicle to the nearest garage/service centre. This add-on also requires you to file an admissible own-damage claim.

15. Electric Surge Secure: A specialised add-on designed for electric vehicles, the Electric Surge Secure covers damage due to electrical issues, such as arcing, self-heating and short-circuits. It covers the entire EV, batteries and charging equipment up to the IDV amount.

16. Additional Third Party Property Damage: Standard third-party coverage extends only up to ₹7.5 lakhs. The Additional Property Damage Cover pays for additional liabilities due to damage to another car, wall, building or other property.

17. Reinstate Cover: This add-on covers minor damages that typically stay unreported. It covers accidental damage to external areas like bumpers, hood, doors, roof and tailgate, when filed with a larger own damage claim.

18. Depreciation Allowance-Battery Cover: Another specialised add-on designed for EVs, the Battery Depreciation Cover pays the depreciation amount deducted from battery replacement costs. This helps cover the full cost of battery replacement.

19. Repair of Glass, Fibre, Plastic & Rubber Parts: It covers the cost of replacing windows, bumpers, and various rubber, fibre and plastic parts during repairs at an authorised repair centre. Filing this add-on alone doesn’t affect your accumulated No Claim Bonus.

20. Loss of Personal Belongings: This add-on reimburses the cost of replacing clothes, apparel and other personal items damaged during an accident or stolen from your car. The add-on doesn’t cover valuable items like cash, watches and jewellery.

Reliable Brand Reputation

TATA AIG has established a pan-India brand reputation with more than 25 years of experience serving customers with affordable and efficient risk management solutions. By opting for your car insurance plans, you are assured of high-quality services and instant settlements.

Multiple Coverage Options

At TATA AIG, we offer personalised insurance solutions, allowing you to get the best car insurance in Bhubaneswar. You can compare multiple plans, choose different IDV and policy tenure and include 20 add-ons to get an optimal plan that fits your driving and financial needs.

Complete Financial Protection

Our car insurance policies cover everything from damages and losses due to accidents, theft, transit damages, floods, earthquakes and riots to third-party damage and injuries. We also provide personal accident cover that protects your loved ones’ financial future and offer add-ons like Roadside Assistance and Engine Secure for tailored coverage.

Affordable Insurance Plans

You can get the most affordable car insurance Bhubaneswar from us starting at ₹2,094/year and attractive offers that lower your costs. You can get online discounts up to 85% on premiums for both new and existing cars, and a No Claim Bonus of up to 50% that lowers your expenses even further.

Customer-Centric Approach

We have built a customer-centric approach that has won the trust of 5 crore+ customers in India. You will get 24x7 customer assistance for queries, complaints, claims, and emergencies. Our dedicated team of 750+ claim experts ensure that your claims filing is completely stress-free.

Step 1: Scroll to the top of this page. In the purchase form given, enter your car’s registration number and click on ‘Get Price’.

Step 2: In the next screen, enter your personal and vehicle-related details as required.

Step 3: Choose your desired coverage and tenure from the given options and add-ons you want to include.

Step 4: Check the instant quotes provided by us, stating the premium amounts. If you want to proceed, complete the payment using your desired mode to buy car insurance from TATA AIG.

Buy Car Insurance Bhubaneswar

• Protects You from Financial Liabilities: A timely car insurance renewal of your third-party insurance plan ensures that you don’t have to pay massive financial liabilities and legal costs if you cause an accident.
• Retains Your No Claim Bonus: When you renew your own damage or comprehensive insurance plan in time, you get to retain the full benefits of your No Claim Bonus.
• Maintains Continuous Coverage: By keeping continuous own damage coverage, you ensure that you are financially covered from the risk of accidents, theft, fire, floods, riots and other risks.
• Prevents Hikes in Premium: Getting your policy lapsed leads to premium hikes due to the extra cost of vehicle inspection and loss of your accumulated bonuses.

Step 1: At the top of this page, find ‘Car’ under the ‘Renewal’ tab and click on it.

Step 2: Enter either your car registration number or existing insurance policy number and click on ‘Renew’.

Step 3: Check the updated renewal price based on your car’s value and applicable discounts. Add/modify the coverage and include add-ons based on your preferences.

Step 4: Review your choices and check the final price of car insurance renewal in Bhubaneswar. If your current insurance plan has expired, you have to complete the vehicle inspection process once again.

Step 5: Once you have confirmed your choices, make the payment online to renew your car insurance policy.

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Cashless Claims

Step 1: File your claim online by clicking on ‘My Policy’ at the top of this page and signing in, or visit the TATA AIG Claims Portal.

Step 2: Fill out the online claim form with the required details, including contact details, policy number, car registration number and driving licence.

Step 3: Once you get a link on your phone, open it and fill in the damage-related details and upload photos/videos for evidence. Wait for an inspector to visit you to complete the physical inspection.

Step 4: Take your car to the nearest garage/repair centre in Bhubaneswar and hand it over for repairs. Once the repairs are complete, we will settle your claim directly with the garage, subject to policy limits.

Reimbursement Claims

Step 1: If you can’t find a network garage, get the repairs done at a non-network garage and pay for the repairs out of your pocket.

Step 2: Gather all required documents, including repair estimate, invoices and payment receipts at the time of settling your bills.

Step 3: File a reimbursement claim via the TATA AIG website or claims portal along with the supporting documents and evidence for damage.

Step 4: We will assign a surveyor to verify the damage and check the supporting documents. They will determine if the repairs were justified and the applicable coverage.

Step 5: After completing the verification process, we will reimburse the claim amount, subject to policy limits, deductibles and exclusions.

• Duly filed and signed claims form
• Copy of insurance policy documents
• Car registration certificate
• Driving licence of the person driving your insured vehicle
• Photos and videos of the damaged vehicle
• Repair bills and payment receipts (for reimbursement claims)
• Identity and address proof (for reimbursement claims)
• FIR or police report (for thefts, major damage and third-party claims)
• RC with RTO cancellation (for total loss/theft)
• All original car keys (for total loss/theft)
• NOC from the financier (if the vehicle is loaned)
• Court summons/notice (for third-party claims)

Car insurance price in Bhubaneswar is determined by the type of plan you have selected, coverage limits and features, add-ons and applicable discounts. There are also a variety of car and driving-related factors that affect car insurance premiums, including the car’s IDV, model, manufacturing date, location, driving history, claim history, etc.

The premium rate depends on a lot of factors, discussed below in more detail. To get an accurate estimate, you can use the car insurance premium calculator. Enter your car’s registration number and other required details to get an estimate from the free online tool.

• Type of Car Insurance: While third-party plans are the most affordable, they only cover third-party liabilities. Comprehensive car insurance Bhubaneswar covers a wider range of risks and liabilities.
• IDV of the Car: The Insured Declared Value or IDV in car insurance is the maximum claim amount offered by an insurer for a vehicle based on its prevailing market price. A higher IDV increases both costs and coverage.
• Car Model and Size: Bigger and more expensive vehicles generally have higher insurance costs as they are more expensive to repair. Limited edition models also carry higher costs compared to popular car models.
• Vehicle’s Age: The older a vehicle, the lower its market value and therefore, the lower its insurance premium costs. Luxury and rarer cars usually depreciate at a faster rate than budget cars since their spare parts are harder to find.
• Personal Driving Behaviour: If you have records of being involved in accidents or traffic violations, an insurer can infer that you have a higher chance of filing another claim. Having a clean record lets you get lower rates.

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• Installing Anti-Theft Devices: Installing certified and approved safety devices, such as anti-theft alarms, parking sensors and steering locks make you eligible for certain premium discounts.
• Looking for Insurer Discounts: If you avoid changing your insurer often, you can accumulate plenty of bonuses, including No Claim Bonus and online discounts. The best car insurance in Bhubaneswar will offer many attractive discounts.
• Avoid Unnecessary Cover: Add-ons are meant to enhance your current plan so that it covers your unique risks. That’s why you should also add those add-ons you need; for example, if you don’t have an electric vehicle, you don’t need specialised EV add-ons.
• Choose Bundled Plans: Choosing a bundled car insurance plan with longer tenures will let you avoid discounts for long-term purchases. If you have multiple vehicles, you can also get a bundled plan to lower your total insurance costs.

• Understand Your Insurance Needs: To choose the best car insurance in Bhubaneswar, you should first know your insurance needs. This will depend on how frequently you drive the car, the unique risks at your location and your driving habits.
• Do Sufficient Research: Research all available options before you buy car insurance. Compare car insurance plans based on their costs and coverage scope to find a plan that meets your needs.
• Check the Insurer’s Claim Settlement: An insurance company’s Claim Settlement Ratio (CSR) showcases the percentage of claims settled by it against the claim requests it has received. A higher CSR indicated a reliable insurer.
• Review the Cashless Network: Insurers are partnered with garages and authorised repair centres where you can get cashless repairs. Review the insurer’s cashless garage network and check if it has garages near your location in Bhubaneswar.

Step 1: Click on ‘My Policy’ at the top right corner of this page.

Step 2: Log in using your registered mobile number, email ID or policy number and OTP (one-time password).

Step 3: Go to the ‘Policy Download’ section and enter your policy number or car registration number to confirm.

Step 4: Click on the download button and save the PDF copy.

TATA AIG has more than 6300+ cashless garages across India, with several garages located in Bhubaneswar. You can take your insured car to any of these locations to settle cashless claims, which lets you get repairs without paying any upfront cash. However, you need to pay the expenses not covered by your policy.

To find a garage or service centre near your location in the city, check our cashless garage list and enter your city name or click on the locate option. Then, enter your car brand name and click on ‘Search’ to find garages near you.