Car Insurance in Chandigarh

Choosing the right policy starts with understanding the types of car insurance in India. TATA AIG offers three — Comprehensive, Stand-Alone Own Damage, and Stand-Alone Third Party car insurance.

You can further customise your plan with add-ons like Zero Depreciation, Engine Protection, Roadside Assistance, and more. Premiums depend on your car’s model, age, and location, ensuring coverage that fits your needs.

Comprehensive Car Insurance Policy

If you're looking for all-round protection, a Comprehensive Car Insurance Policy from TATA AIG ticks every box. It not only covers third-party liabilities (which is legally mandatory) but also protects your own vehicle against accidents, theft, fire, and even natural calamities. It’s the most complete form of coverage you can choose — though keep in mind that like all insurance, a few standard exclusions apply.

Stand-Alone Own Damage Car Insurance Policy

Already have a third-party policy but want extra protection for your own car? That’s where a Stand-Alone Own Damage Car Insurance Policy helps. This policy only covers damages to your personal vehicle — whether due to fire, theft, accidents, or natural disasters. Since it doesn’t include third-party coverage, it works best alongside an existing third-party plan.

Stand-Alone Third Party Car Insurance Policy

A Stand-Alone Third Party Car Insurance Policy is the most basic — and legally required — form of motor insurance in India. It takes care of any damage or injury your vehicle may cause to someone else’s car, property, or person. However, it won’t pay for repairs to your own vehicle. You can boost this plan by adding Personal Accident Cover, which offers extra protection for the owner-driver or passengers.

Understanding the differences between the three types of car insurance policies in India helps you choose the right protection based on your needs and budget. Here's a quick comparison:

To find the best car insurance for your four-wheeler, understanding the role of the following factors in determining the car insurance premium rate is necessary. Some of these factors include the following -

No Claim Bonus - You can avail of a No Claim Bonus (NCB) on your car insurance renewal premium if you do not file a single claim in a policy year. The NCB discount is a progressive discount, wherein the discount percentage goes up for every consecutive claim-free year, reducing the insurance premium significantly.

Insured Declared Value - The IDV indicates the financial compensation applicable to the insured vehicle owner in case it is stolen or damaged beyond repair. The calculation for the same is done by subtracting the car’s depreciation from its market value.

Vehicle Age and Price - Based on the age of the car and its price, the premium price can vary. For instance, a new car has a higher premium, and old cars have a lower premium.

Policy Type and Add-ons - The choice between the three types of car insurance policies can impact the premium value. Additionally, based on the number of add-ons you combine with your base policy, the premium value increases.

Engine Capacity - For third-party car insurance policies, the premium is decided based on the engine capacity of the car. For higher capacity, a higher premium will be charged.

When buying car insurance in Chandigarh, choosing the right add-ons can make a big difference. Tata AIG offers up to 20 car insurance add-ons that allow you to customise your policy based on your driving habits, lifestyle, and regional needs. These optional covers go beyond your standard policy to offer greater protection—especially helpful in a city like Chandigarh, where seasonal rains, highway travel, and urban driving challenges can lead to unexpected expenses.

Here’s a closer look at some of the most useful add-ons offered by Tata AIG:

• Depreciation Reimbursement

If your car parts are replaced after an accident, you usually bear the depreciation cost. With this add-on, Tata AIG pays that amount—up to 2 times a year.

• Return to Invoice

If your car is stolen or suffers total loss, this add-on helps you get the on-road price (including road tax and registration) instead of just the Insured Declared Value (IDV).

• No Claim Bonus (NCB) Protection

Normally, one claim resets your NCB to zero. With this add-on, Tata AIG lets you keep your NCB even if you file a single claim—provided you had two previous claim-free years.

• Additional Third-Party Property Damage

By default, third-party property damage coverage is limited. This add-on increases that limit, offering you better financial security in case of property-related third-party claims.

• Engine Secure

Damage to your car’s engine or gearbox caused by water or oil leakage isn’t usually covered. This add-on takes care of those specific repair expenses.

• Repair of Glass, Plastic, Rubber & Fibre Parts

If you only need to repair parts like mirrors, plastic bumpers, or rubber seals, this add-on ensures the claim doesn’t affect your No Claim Bonus.

• Key Replacement

Lost your car keys or had them stolen? Tata AIG will reimburse the cost of replacing your keys or even the locks if needed.

• Tyre Secure

Covers the cost of repairing or replacing tyres and tubes if they are accidentally damaged, even without a car accident.

• Loss of Personal Belongings

If your personal items, like a laptop or mobile, get damaged or stolen from the car during an accident, this add-on will compensate you for the loss.

• Consumables Expenses

Items such as engine oil, nuts and bolts, brake fluid, coolant, and similar consumables are typically not covered. This add-on ensures their cost is included in the claim.

• Additional Towing Charges

If your towing cost exceeds the regular limit, this add-on helps cover the extra amount, so you're not left paying out of pocket.

• Misfuelling Cover

If you accidentally fill your car with the wrong fuel, this add-on helps cover the cost of draining the fuel and repairing any minor damage.

• Daily Allowance Plus

If your car is under repair for more than 1 day, this cover gives you a daily allowance to manage your transport, or even offers a replacement vehicle.

• Emergency Transport & Hotel Expenses

If your car breaks down while travelling and you’re stranded, this cover pays for alternate travel and stay at a hotel until help arrives.

• Roadside Assistance

Stuck on the road due to a flat tyre, dead battery, or mechanical failure? With 24x7 roadside support, help is just a phone call away.

• Emergency Medical Expenses

In case of an accident, this add-on helps pay for your hospital bills or ambulance charges if you're injured while in the insured car.

• Electric Surge Secure

Specially designed for EV owners, this add-on covers damage from short circuits or power surges affecting parts like your EV’s charger or wires.

• Battery Depreciation Allowance

Electric vehicle batteries can be expensive. This add-on covers the depreciation value of your EV’s battery during a valid claim.

• Vehicle Loan Protector

If the policyholder passes away or becomes permanently disabled in an accident, Tata AIG settles the outstanding loan amount with the bank.

• Reinstate Cover

Let’s say you claim for damage to one panel but later discover additional damage to the same panel due to the same event. This add-on allows you to raise a second claim without issue.

Before buying or renewing a Tata AIG car insurance policy in Chandigarh, it's important to know what’s included and excluded. This will help you understand your policy coverage clearly and ensure there are no surprises during a claim.

What’s Included in Tata AIG Car Insurance?

Tata AIG car insurance provides coverage for the following:

• Accidental damage to your car.

• Fire and explosion damage, including self-ignition and lightning.

• Natural disasters such as floods, earthquakes, cyclones, storms, and landslides.

• Theft or burglary of the insured car.

• Man-made causes like strikes, riots, and malicious activities.

• Damage during transit by road, rail, inland waterway, lift, elevator, or air.

• Third-party liability cover for injury, death, or property damage to others.

• Personal Accident Cover for owner-driver, as per policy terms.

What’s Not Covered Under the Policy?

Tata AIG car insurance excludes the following:

• General wear and tear or ageing of the vehicle.

• Mechanical or electrical breakdowns not caused by an accident.

• Damage while driving under the influence of alcohol or drugs.

• Driving without a valid driving licence.

• Consequential loss (i.e., secondary damage not directly caused by an accident).

• Damage from war, mutiny, or nuclear risk.

• Use of the car for illegal purposes or outside the geographical area covered by the policy.

Always read the policy wording and brochure carefully to ensure you are aware of the coverage limits and exclusions. This helps you select relevant add-ons for enhanced protection.

Whether you're buying a new car insurance policy or renewing an existing one, Tata AIG makes the process in Chandigarh fast, simple, and fully online. Here's how you can do it:

How to Buy Car Insurance in Chandigarh?

To buy Tata AIG car insurance in Chandigarh, follow these easy steps:

• Visit the official Tata AIG website and click on “Get Price.”

• Enter your car’s registration number to proceed.

• A new page will open asking for details like your car’s make, model, fuel type, and variant.

• Based on the information, you’ll be shown various policy options along with relevant add-ons like Zero Depreciation or Roadside Assistance.

• Review the premium quote and select the coverage that suits your needs.

• Enter your personal details (name, address, contact info) and complete the required CKYC.

• Make the payment using your preferred method.

• Once done, your car insurance policy for Chandigarh will be instantly issued and sent to your registered email ID.

How to Renew Car Insurance in Chandigarh?

Renewing your Tata AIG car insurance in Chandigarh is just as simple:

• Go to the Tata AIG website and click on “Renew.”

• Enter your car registration number or policy number to fetch your existing policy.

• Check your coverage details, Insured Declared Value (IDV), and No Claim Bonus (NCB).

• Modify or add any coverages—like Engine Protection or Consumables Cover—based on your car’s current condition.

• Review the final renewal quote and confirm your details.

• Make the payment online to complete your car insurance renewal in Chandigarh.

• Your renewed policy document will be emailed to you instantly.

With Tata AIG’s support and 5900+ cashless garages, car insurance in Chandigarh is now easier than ever—whether you're starting fresh or simply renewing.

If your car meets with an accident or suffers damage, you can easily initiate a car insurance claim with Tata AIG by following these steps:

• Inform Tata AIG Immediately

The first step is to report the incident to Tata AIG at the earliest. You can reach us on our customer care number – 022-6489-8282 (charges apply). or visit our claims support page online. Once we receive your request, we’ll guide you through the next steps and provide a claim registration number.

Please be ready with the following information:

• Engine and chassis number

• Contact details

• Date, time, and location of the accident

• Brief description of what happened

• Vehicle’s kilometre reading

• Address for vehicle inspection

• Vehicle Inspection

A Tata AIG surveyor will be assigned to inspect your car and assess the damage. The findings will be recorded in a report, which will be shared with you and our team for verification.

Depending on your choice of claim method (cashless or reimbursement), we’ll either direct you to one of our 5900+ network garages for repairs or guide you on reimbursement.

• Submit Required Documents

You’ll need to submit documents such as the filled claim form, copy of FIR (if applicable), identity proof, address proof, and any other documents requested. Having these ready can speed up the process.

• Choose Your Claim Method

Tata AIG offers two simple ways to settle your car insurance claim:

• Cashless Claim:

Once documents are approved, take your car to a nearby Tata AIG network garage. We’ll directly settle the repair bill with the garage—no out-of-pocket expenses for covered damages.

• Reimbursement Claim:

Get your car repaired at any garage of your choice, pay the bill, and submit all invoices to us. We’ll reimburse the eligible repair amount after verification. Just ensure there’s no delay in sharing the bills.

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

• Visit the Tata AIG Website:

Head to the official Tata AIG website at www.tataaig.com.

• Log In:

Select the ‘Self-Service’ option, then log in using your registered mobile number (OTP), email, or your car insurance policy number.

• Navigate to ‘Policy Download’ Section:

After logging in, find the ‘Policy Download’ section. Enter your policy number or vehicle registration number.

• Download Your Policy:

Click ‘Download Policy Document’ to save a PDF copy of your car insurance policy. You can also opt to have the policy sent to your registered email or WhatsApp (if available).

• Renewals:

For car insurance renewal, download the new policy document after payment processing.

Alternatively, if you face issues accessing the online portal, you can reach Tata AIG’s customer support at (022 6489 8282) or email customersupport@tataaig.com for assistance.

Getting your car repaired after an accident or sudden damage can feel overwhelming—but that’s where TATA AIG’s wide network of 5,900+ cashless garages across India, including Chandigarh, makes things much simpler. If you have a comprehensive car insurance policy, you can take advantage of the cashless claim facility. This means, instead of paying for the repairs out of pocket and then claiming reimbursement, TATA AIG directly settles the bill with the authorised garage.

All you have to do is register your claim, get approval, and drive your car to any TATA AIG network garage in Chandigarh. You can easily locate one by visiting the TATA AIG website and entering your city and car details. Just make sure to check in advance if the service you require is available, as facilities can differ slightly from one garage to another. It’s a smart, hassle-free way to get quality repairs without dealing with financial stress.