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, which receives heavy traffic daily, buying a car insurance policy is the best way to protect your car from any financial liabilities that may arise during accidents, natural calamities, etc.

Keep reading to know all about the benefits of a car insurance policy in Chandigarh and how to buy and renew car insurance online with Tata AIG.

Why Do You Need a Car Insurance Policy in Chandigarh

Some of the main reasons why you should buy car insurance in Chandigarh include the following -

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 have 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 are a severe 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.

Key Features and Benefits of Tata AIG’s Car Insurance in Chandigarh

Key Features and Benefits  Details
Extensive Coverage Our plans support you in times of crisis and cover any losses that you or a third party may incur during accidents, theft, or disasters.
Online Convenience To ensure maximum comfort, you can buy and renew car insurance online directly from our website.
Cashless Claims For added convenience, we offer cashless claims with a network of over 7500+ authorised garages for repairs around India.
24/7 Customer Support  Our team of over 650 experts offer the best services that ensure a speedy claim and help you renew your car insurance quickly.
Add-ons To cater to specific coverage needs of individuals, we offer a range of add-ons with our comprehensive and own damage car insurance plans. 
Quick Claim Settlement With a claim settlement ratio of 98%, we ensure all the claim settlements are quick and favourable for our customers. 
Personal Accident Cover 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.

Types of Tata AIG Car Insurance in Chandigarh

Third-Party Car Insurance

Under the Motor Vehicles Act of 1988, all car owners must 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 car insurance plan ensures the individual is well compensated on your behalf.

Pros: Affordable car insurance policy with less documentation.

Cons: Coverage is limited to third-party liabilities only, increasing the risk of financial burden in case of insured vehicle incurred damage or loss.

Ideal For: Vehicle owners with low to medium-value cars with minimal usage can benefit from this plan.

Own Damage Car Insurance

If you are looking for a car insurance policy in Chandigarh that protects your car from unexpected damage and loss due to natural calamities, riots, theft, fire, explosions, etc., own damage car insurance is a great choice.

Pros: Coverage for all types of damages and losses incurred by the insured car with customisation flexibility.

Cons: It does not cover any third-party liabilities, and thus, you will have to purchase a separate third-party insurance to comply with the law.

Ideal For: People residing or working in accident-prone or theft-prone areas in Chandigarh can benefit from this type of insurance for a four-wheeler.

Comprehensive Car Insurance

The comprehensive insurance plan not only covers third-party liabilities (damage done to another person or their property) but also takes care of your car. It provides the highest level of security to your car and covers all the legal and financial hurdles you may face.

Pros: Extensive coverage for all third-party and own damage liabilities with ample customisation flexibility using 12 different add-ons.

Cons: The premiums for this type of car insurance are relatively high due to extensive coverage.

Ideal For: All vehicle owners who wish to invest in one car insurance policy that is inclusive of third-party and insured car damages and losses should invest in this plan.

The Best Car Insurance in Chandigarh: Third-Party Vs Comprehensive Plans

Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage The scope of coverage is limited to third-party liabilities.  The coverage extends to third-party and insured car liabilities. 
Add-ons No customisation permitted. Customisation is permitted with over 12 different add-ons to choose from.
Legal Requirement Mandatory for compliance with the law.  Not mandatory.
Premiums Affordable premiums as limited coverage. Higher premiums as extensive coverage and customisation flexibility. 
Exclusions Accidents recorded under the following circumstances - Drinking and driving Negligent driving Driving outside the permitted geographical areas. Speed racing or rash driving. Driving without valid personal and vehicle documents. Accidents recorded under the following circumstances - Drinking and driving Negligent driving Driving outside the permitted geographical areas. Speed racing or rash driving. Driving without valid personal and vehicle documents. General wear and tear of the insured vehicle. With consumables cover, you are entitled to only 50% of the total cost.

What is the Car Insurance Rate in Chandigarh?

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.

Best Car Insurance Add-Ons to Get in Chandigarh

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 are as follows:

  • Hotel Expenses Cover

  • Medical Emergency Cover

  • Return to Invoice Cover

  • Loss of Personal Belongings Cover

  • Zero Depreciation Cover

  • Roadside Assistance Cover

  • Key Replacement

  • Engine Secure

  • Tyre Secure

  • Consumables Cover, and so much more!

How to Buy and Perform Car Insurance Renewals in Chandigarh with Tata AIG

How to Buy Car Insurance in Chandigarh?

Open our website on your laptop or desktop.

Enter your car registration number and click on “Get Price” to proceed.

A new page will open. Enter the requested details and select the policy and add-ons based on specific requirements.

Based on your selection and information on the previous page, a premium quote will be presented to you.

Read the terms and conditions, and upon confirmation, make the required payment to buy your car insurance policy in Chandigarh.

How to Complete Car Insurance Renewal in Chandigarh?

Go to our official website.

On the main page, enter your car registration number.

Click on “Renew” to proceed.

Review your policy terms and conditions, remove or include any necessary add-ons, and click on “Continue.

A revised premium quote will be presented to you. Review it and make the necessary payment to complete your car insurance renewal in Chandigarh.

How to File a Claim for Car Insurance in Chandigarh?

To file for a claim with us, you can choose from a reimbursement claim or a cashless claim. Let us discuss each of them below.

Reimbursement Claims

With our reimbursement claims option, you can receive reimbursement only after the car repair work is completed. To begin your claim process, you need to notify us and collect your claim number. Then, take your car to any garage of your choice and get the repair work done at your own expense.

Once the work is completed, you must collect the receipts of the work done and submit the same to us. We will evaluate the claim, and once it is approved, we will reimburse you the maximum amount for the repair work based on your policy terms.

Cashless Claims

With our cashless claims, you do not have to worry about paying from your pocket, as your trusted insurance company will take care of all the payments. After filing a cashless claim request with us, you need to take your car to one of the authorised garages within our network.

Once you reach there, you need to fill out a survey report and submit it to us. We will evaluate the report, and based on the repair work required, we will approve an amount. Now, you only need to oversee the repair work, as once it is completed, we make the payment for the same directly to the garage on your behalf.

Documents Needed for Car Insurance Claims in Chandigarh

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

Tata AIG Cashless Network Garages for Car Insurance in Chandigarh

For maximum convenience and quality repair services, we offer a cashless garage network of over 7500+ garages around the country. No matter where you are, you can find one of these garages in your city in case of damage or loss to your insured car.

When you opt for a cashless claim, all you need to do is register the claim with us and then visit one of the network garages to get your repair work done without any expense. To find a cashless garage for a cashless claim for car insurance near me, visit our website, enter your city and car make details to find the closest one.

Before visiting any of these garages, we insist you check on the availability of certain services as they might be limited to specific locations only. Moreover, it is crucial to remember that the cashless claim option is only available with our comprehensive car insurance plans.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Which is the most affordable car insurance in India?

Which is the most affordable car insurance in India?


The third-party 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.

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.

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 essential to keep a note of your insurance expiry so you can retain all renewal benefits.

What are cover add-ons?


Your primary insurance plan only covers some of the potential liabilities that can arise from particular damage. You can include specific add-on covers to your policy by paying an additional amount on your premium. These allow you to customise your policy to suit your needs and also help you save money if certain parts of your car, like the engine, are damaged.