Car Insurance In Chandigarh

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Car Insurance In Chandigarh

Chandigarh, one of the earliest planned cities, is the most desired place to live in India. Although it is the joint capital of Punjab and Haryana, it does not fall under the jurisdiction of either of the states. In a city like Chandigarh that receives heavy traffic daily, getting an insurance policy for a car is the best way to protect your car from any financial liabilities that may arise during accidents, natural calamities, etc.

Car Insurance In Chandigarh Overview

At TATA AIG, you can easily apply for new car insurance or renew your old one by filling a simple online form.

Why should you buy Tata AIG car insurance in Chandigarh?

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Tata AIG has been providing quality services in India for the past 20 years now. Here are some reasons why a car owner in Chandigarh should buy Tata AIG car insurance:

Ensuring smooth process: Car insurance supports you in times of crisis and covers any losses that you may incur during accidents, theft, or disasters. Also, our team of dedicated experts are always there to support you during these times. Our team of over 650 experts offer the best services that ensure speedy claim and help you renew auto insurance quickly. Working with us, you don't have to worry about any hidden charges as we conduct business honestly and transparently.

Dedicated customer service: Our clients are the top priority, and we do all we can to decrease your financial burdens. Our service and operations team dedicate themselves to help you through every step of the claim process and answer all your queries. Through our hard work, we have gained the trust of over five crore customers, and our family grows every day.

Online motor policy: We believe in providing only the best and latest means of buying and claiming car insurance. At TATA AIG, you can purchase or renew your car insurance from anywhere, anytime. In case you meet with an accident or your car is stolen, you can immediately file a claim online or contact our claim experts, who will guide you through the whole process. You can calculate the amount you have to pay for insurance by using the TATA AIG car insurance premium calculator.

Car insurance plans in Chandigarh

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TATA AIG offers a wide range of car insurance plans to suit the needs of all our clients. You can buy car insurance through the following plans:

Third-Party Liability Plan

Under the Motor Vehicles Act of 1988, it is mandatory for all car owners to have basic third-party motor insurance to be able to continue driving in India.

If you meet with an accident and injure a person or cause damage to their property, the third-party insurance plan ensures the individual is well compensated on your behalf.

Comprehensive Cover Plan

You don't have to worry about paying from your pocket as your trusted insurance company will take care of all the payments. The comprehensive insurance plan not only covers third-party liabilities (damage done to another person or their property) but also takes care of your own car. It provides the highest level of security to your car and covers all the legal and financial hurdles you may face.

Additionally, you can avail of 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.

Add-on covers

We offer 12 add-on covers with our car insurance policies. Buy an add-on to enhance the insurance coverage and get protection against specific circumstances/damage mentioned in the add-on. Some top add-ons offered by Tata AIG:

  • Zero Depreciation Cover
  • Roadside Assistance Cover
  • Key Replacement
  • Engine Secure
  • Tyre Secure
  • Consumables Cover, and so much more!

Personal Accident Cover

Injuries incurred during car accidents can sometimes be mild, but there is also a high possibility that you could be severely injured during a car accident. The personal accident cover plan takes care of any medical expenses you may face due to loss of limbs/eyesight, permanent disablement or in extreme cases, death.

How to file a claim?

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You can quickly file a claim by going through these steps:

Step 1: File a claim: You can file a claim with us by calling us on 1800-266-7780. Additionally, you can file a claim online by visiting our Claims Support page and filling in the necessary information. Once we know that you wish to file a claim, we will send you a link for self-inspection to your registered mobile number.

Step 2: Inspection: Using the self-inspection form, you can describe the damages sustained by your car with a few clicks on your smartphone. Apart from this, your vehicle will also be inspected by one of our surveyors.

Step 3: Mode of repair: You can now choose if you want to be reimbursed for the damage repairs or if you would like to make a cashless claim through our network of garages.

Step 4: Documents needed: Make a note of the common documents required for claim settlement:

  • 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

Step 5: Track your status: Once your claim is filed, you can track the acceptance and transaction process online.

Step 6: Claim settlement: We will check if the raised claim is within the purview of your coverage and satisfies all the regulations in the policy document. Once approved, we will settle your claim.

Need for car insurance in Chandigarh

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Governed by the Union government, Chandigarh is a union territory that is known for its beautiful architecture and urban designs. The beautiful city attracts a large number of tourists from around the world. However, this leads car owners to require car insurance due to the following challenges. Rough Driving: The increase in foot and vehicle traffic in Chandigarh has led to many cases of careless and rash driving. Apart from this, unlawful driving habits like drinking and driving has also resulted in more accidents.

Traffic congestion: The rise in the population of locals and tourists is making the roads of Chandigarh congested every day, especially during peak hours, which leads to mismanagement and chaos. Poor road condition: The poor conditions of the roads in Chandigarh is a serious issue for car owners. Heavy rains form potholes in the road, which decrease the mileage and life of vehicles, making it difficult for people to drive properly.

Frequently Asked Questions (FAQs) about car insurance in Chandigarh

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Which is the minimum cost car insurance in India?

The third-party cover car insurance is the cheapest in India. It is also the most basic car insurance policy that protects you from any legal and financial obligations you may have if your car hurts a person or damages their property.

Which company is top for vehicle insurance?

Before choosing a vehicle insurance company, you should compare the premium rates and services to find the best fit for you. You can browse the plans and services offered by TATA AIG and use the TATA AIG car insurance premium calculator to determine your premium.

How can I check my car insurance?

You can check the status of your car insurance by logging on to our online portal. It is also important to keep a note of your insurance expiry, so you don't lose any renewal benefits.

When is the right time to renew my car insurance?

Car insurance is available as an annual or a long-term plan. However, irrespective of the term, your car insurance should be renewed at least 60 days before it expires. In case there is a gap in the expiry and renewal time, you may lose out on certain coverage benefits and claims.

What are cover add-ons?

Your basic insurance plan does not cover all the potential liabilities that can arise from very specific damage. You can include certain add-on covers to your policy by paying an additional amount on your premium. These allow you to customize your policy to suit your needs and also help you save money if certain parts of your car, like the engine, are damaged.