Car Insurance in Coimbatore

• Economic growth and rapid urbanisation have led to major traffic congestion in areas like Annur Town, Lanka Corner Junction, Sanganoor-Kannapanagar Junction, Puttuvikki Road, and other areas.
• Poor road conditions have been reported at several major and arterial roads, including the Coimbatore Road, Nallampalayam Road and Kamarajar Road. The problems, such as large potholes, uneven surfaces, a lack of road signs and unfinished construction work, are major driving hazards.
• Heavy rainfall during the monsoon season is known to create waterlogged streets, major road closures and broken utility lines. These are significant hazards for motorists in Coimbatore.
• As per recent data, nearly 37% of road accident fatalities in Coimbatore are pedestrians. This implies unsafe road conditions for pedestrians, which increases the likelihood of third-party liabilities for vehicles.

Coimbatore’s road infrastructure has not been able to keep up with its population growth, resulting in increased traffic congestion and poor road conditions. Due to the increased risk of accidents, you should protect your vehicle with a car insurance plan. This covers the cost of repairs and replacement in case of a total loss, as well as third-party liabilities in the city.

Trustworthy Insurer with the TATA Promise

When choosing a car insurance plan, choose a name you can trust. As a part of the TATA Group, we uphold the 150-year-old legacy as one of the country’s most trustworthy brands. With a history of over 25 years as an insurance provider, we have a long track record of keeping our promises.

Cashless Garage Anywhere in Coimbatore

Getting your claims settled with TATA AIG is easy. We have a wide-reaching network of 5700+ cashless garages across India, with many of them located in Coimbatore. With TATA AIG’s car insurance in Coimbatore, you can get quick and seamless cashless repairs and claim settlements at any of these garages.

High Claim Settlement Record

You will want an insurance provider who always fulfils their commitments. At TATA AIG, we ensure to maintain a high Claim Settlement Ratio, which is the number of claims we settle against the number of claims we receive. We also have a low turnaround time for fulfilling claims as we follow a strict deadline.

24/7 Roadside Assistance

Car owners in Coimbatore need not worry about being stranded on the road due to a sudden breakdown of their vehicle. With TATA AIG, you can get immediate Roadside Assistance at any time of the day with just a phone call. Our team will head over to your location and provide on-the-spot repairs, emergency towing services, and other assistance.

Third-Party Car Insurance

This type of policy offers protection against any liabilities arising from third-party property damage. It is the most basic policy and legally mandatory as per the Motor Vehicles Act. TATA AIG’s Third Party Car Insurance also protects you from the liabilities of physical injury and death of third parties anywhere in India. It comes at an affordable price and provides complete legal liability protection.

View Third-Party Car Insurance Plans

Comprehensive Car Insurance

A comprehensive car insurance policy is preferred because it covers accidental damage to your vehicle and the third party. The coverage also extends to theft and loss arising from natural or unnatural disasters. Our Comprehensive Car Insurance is the ideal choice for car owners desiring extensive coverage and comprehensive protection for their vehicles. You can also enhance and customise your coverage with 20+ add-ons.

View Comprehensive Car Insurance Plans

Standalone Own Damage Car Insurance

By opting for Own Damage (OD) cover, you protect yourself against losses suffered by your vehicle due to accidents and theft. You also enjoy coverage for damage caused by natural and manmade disasters. If you have high-value vehicles and already have a third-party plan, an OD cover in insurance is ideal for you.

View Own-Damage Car Insurance Plans

Coimbatore Car Insurance Inclusions

• Accidental Damage: Loss or damage due to a car accident
• Fire: Damage due to fire, explosions, self-ignition or lightning
• Theft: Compensation for complete loss or damage due to burglary and housebreaking
• Transit Damage: Damages that occur when transporting your vehicle via road, rail, inland waterway, air or lift
• Natural Disasters: Damage due to floods, earthquakes, cyclones, typhoons, hailstorms, frost, landslides and other natural events.
• Manmade Disasters: Damage from riots, strikes, terrorist activities and other malicious activities
• Personal Accident Cover: Fixed compensation for injuries and the death of the owner-driver.

Coimbatore Car Insurance Exclusions

• Wear and Tear: Damage due to wear and tear, depreciation, mechanical or electrical breakdown and failures.
• Usage Violations: Driving without a valid driving licence or for commercial purposes.
• Extraordinary Events: Excludes damages due to war, war-like operations and nuclear attacks.

Disclaimer: The above lists of inclusions and exclusions are not exhaustive and subject to the terms and conditions of your chosen policy. Please read through the Policy Wording document carefully.

1. Engine Secure: The Engine Secure covers the repair and replacement costs of engine parts, gearbox, transmission and differential assembly if the damage happens due to water ingress or oil leakage.

2. Consumable Expenses: This add-on covers the cost of consumables, including nuts, bolts, washers, bearings, engine oil, lubricants, air conditioning gas, etc. This ensures you don’t have to pay the extra costs during a major repair.

3. Misfuelling Cover: Accidentally refilling the wrong fuel type at the petrol station can be very costly. The Misfuelling Add-on covers the cost of cleaning, removing and repairing the fuel system, plus reimbursement for fuel costs.

4. No Claim Bonus Protection: The NCB Protection Cover protects your accumulated No-Claim Bonus from being terminated upon the filing of a single claim over the policy tenure.

5. Loss of Personal Belongings: This add-on covers the cost of clothing, audio/video tapes, CDs and other personal items lost during an accident. Valuables, such as cash, jewellery and watches, are excluded.

6. Additional Third-Party Property Damage: Third-party motor insurance in Coimbatore is capped at ₹7.5 lakhs for standard plans. This add-on covers excess costs for third-party property damage, per policy terms.

7. Additional Towing Charges: As the name implies, the Additional Towing Charges Add-on covers all extra costs related to towing your car to the nearest garage.

8. Emergency Transport and Hotel Expenses: This add-on activates if your car is stranded due to an accident. It covers the cost of overnight hotel stays and emergency taxi charges to get you to your residence.

9. Key Replacement Cover: The Key Replacement Add-on covers the cost of replacing your car keys and damaged locks and pays for labour costs. It applies if your car keys are lost, stolen or damaged.

10. Roadside Assistance Cover: This cover provides 24/7 emergency support for vehicle breakdowns, flat tyres and empty fuel tanks. It also includes towing charges and other additional services.

11. Electric Surge Secure: Electric vehicle (EV) components are some of the most expensive things to repair. The Electric Surge Secure Cover pays for electrical damage to EV batteries and chargers.

12. Return to Invoice Cover: The Return to Invoice Add-on reimburses the full invoice value of your vehicle in case of theft or total loss. This includes road taxes, registration fees, 4-wheeler insurance premiums and the cost of accessories.

13. Reinstate Cover: Some minor damage to your car goes unnoticed. The Reinstate Cover pays for damages caused to a single exterior panel when it’s reported alongside a larger OD claim.

14. Emergency Medical Expenses: This add-on covers medical expenses for you and your passengers in the event of an accident with the insured vehicle. It also covers ambulance charges and supporting items like crutches and wheelchairs.

15. Zero Depreciation Cover: The Depreciation Reimbursement Cover, or Zero Depreciation Cover, pays for the full repair and replacement costs without factoring in deductions due to depreciation.

16. Depreciation Allowance- Battery Cover: This is a battery depreciation cover that reimburses the full cost of replacing a car battery with zero deductions for depreciation. It’s especially important for EVs.

17. Repair of Glass, Fibre, Plastic & Rubber Parts: This add-on covers the cost of various components, including bumpers, windows and rubber parts. The cover is applicable when you opt for repairs at an authorised garage.

18. Daily Allowance Plus: The Daily Allowance Plus Cover pays a fixed daily cash or provides an emergency transport when your insured vehicle is in the garage for repairs.

19. Vehicle Loan Protector: It pays the full outstanding loan amount of the insured vehicle in the unfortunate event of the owner-driver’s demise or permanent disability from a car accident.

20. Tyre Secure: The Tyre Secure Add-on pays for the repair and replacement of your car tyres due to accidental loss or damage. Up to 4 replacements are covered during the policy term, subject to conditions.

Attractive Discounts and Offers

At TATA AIG, you can avail yourself of attractive discounts of up to 85% on your car insurance premiums. The discounts are available for both new and old vehicles. In addition, you can claim a No-Claim Bonus of up to 50% on premiums, allowing you to pay substantially lower prices.

All-Round Protection

The best car insurance in Coimbatore covers a wide range of risks, including accidents, fire, natural disasters, theft, transit damages, manmade calamities and more. Our car insurance plans cover repairs and replacement costs as well as third-party liabilities caused by your vehicle.

Multiple Personalisation Options

At TATA AIG, we provide a wide range of personalisation options. You can select different plans, IDV options, policy tenures and add-ons at the time of purchase or renewal. We also offer 20+ unique add-ons or riders to help you get the right insurance coverage you want.

Complete Transparency

We make it easy to compare car insurance plans, helping you make an informed decision based on the policy features, add-ons, and costs. You can add, remove and modify coverage options and add-ons and compare the premium costs on our online portal before making a purchase.

24/7 Customer Support

Get instant and helpful customer support at any hour of the day for queries, feedback, complaints and claim settlements. We maintain a dedicated team of 750+ experts to streamline our claim settlement process and help you access our services during emergencies.

Step 1: Visit TATA AIG’s official website. Then, select the ‘car insurance’ option and enter your vehicle registration number.

Step 2: Enter your car’s registration number and press ‘Get Price.’

Step 3: Enter your personal and car details as prompted on the screen.

Step 4: Pick your choice of coverage and add-ons.

Step 5: An instant premium quote will appear on the next page. If it is within your budget, proceed to pay and buy online car insurance in Coimbatore.

Buy Car Insurance Coimbatore

Driving a car with an expired insurance plan not only puts you at risk of accidents and natural disasters but also puts you in violation of traffic laws in Coimbatore. A timely car insurance renewal in Coimbatore ensures that your valued asset is financially protected from the high risk of traffic collisions, weather-related accidents and third-party liabilities from accidentally hitting a pedestrian.

• A timely renewal ensures continued protection of your vehicle from a wide variety of risks, including accidents, thefts, natural disasters and third-party claims.
• It makes sure you are legally compliant with Indian traffic rules and regulations, preventing hefty fines and other penalties.
• If you can avoid policy lapses, you can retain your No-Claim Bonus and other bonuses accumulated with your existing insurer.
• If your policy lapses, you may have to pay higher premiums due to inspection costs.

Step 1: Head to TATA AIG’s official website and go to ‘Renewal’ > ‘Car’.

Step 2: On the next page, enter your vehicle registration number or existing policy number and press ‘Renew.’

Step 3: Fill out the required car and personal details. Then, check the updated policy details and renewal price.

Step 4: If you’d like to change the policy coverage or include add-ons, you can do it at this step.

Step 5: As you proceed, you will see an instant premium quote. Review your choices and costs, and make the payment using your preferred payment method to get a car insurance renewal in Coimbatore.

Step 1: Inform us about your accident and register the claim on our online claims portal.

Step 2: Fill in all necessary details, such as name, contact number, policy number, etc., on the online claims form.

Step 3: You will get a link to your mobile number, where you can upload images and videos of your damaged vehicle.

Step 4: After the self-inspection, an assigned surveyor will visit to evaluate the damages sustained by the vehicle.

Step 5: After the inspection report is submitted, a claim amount is sanctioned. Now, you can visit the nearest network garage in Coimbatore for repairs.

Step 6: Once the garage repairs the car, it raises a bill for us. We will pay the approved amount as per our policy terms, while you need to pay for extra costs (if any).

• Duly filled and signed claim settlement form
• A copy of the insurance policy document
• The driver’s licence of the person driving during the accident
• Car Registration Certificate
• Proof of Identity and Proof of Address
• Photographs and videos of the damaged vehicle
• Original keys for total loss or theft claims
• RTO cancellation receipt or letter for a total loss claim
• A copy of the First Information Report (FIR) in case the car is stolen or totally damaged
• Original bills from the garage
• NOC from the lender if there is an active car loan
• Hospital bills in case of a personal accident claim
• Court summons or notice for a third-party claim

The premium rate charged for a car insurance policy depends on the type of insurance, insurer’s tariff rate, policy features and other factors like IDV, location and car model. You can get lower costs if you are eligible for discounts and offers. You can calculate the premium costs for your chosen policy terms with TATA AIG’s Car Insurance Calculator.

The following are the three main components of car insurance premiums in Coimbatore:

Insured Declared Value (IDV)

IDV refers to the maximum amount you can claim if your car is stolen or damaged beyond repair. It is calculated by estimating your car’s current market value after discounting depreciation. IDV is directly proportional to the premium. Thus, if your car has a higher IDV, you need to pay a higher premium.

Car’s Age

If you have a new car, your insurance premium will be higher compared to older vehicles. The make and model of your car also affects the premium amount; popular and budget models usually carry lower premiums than luxury cars due to lower repair costs. They also depreciate at different rates.

Insurance Coverage

The scope of coverage offered varies for third-party, own-damage, and comprehensive car insurance plans. Their premium also varies accordingly.

Engine Capacity

Cars with higher cubic capacity engines attract a higher premium than cars with lower cubic capacity engines. Third-party premium rates are decided primarily by the car’s engine capacity.

Deductibles

The policyholder can pay a percentage of the claim amount, known as deductibles. The premium is lower if the deductible is higher, and vice versa. You can opt for a voluntary deductible with car insurance to lower the premium amount.

Add-ons

Add-ons enhance the coverage of your policy. Depending on the number and type of add-ons you include in your policy, the cost of the car insurance policy increases.

Claims History

If you have not raised any claims in the policy year, you are eligible for a No Claim Bonus (NCB). The NCB discount can help to lower the premium significantly.

Calculate Your Car Insurance Premium Instantly

• Online Comparison: Use an online comparison tool and a car insurance premium calculator to find a balance between benefits and affordability.
• Lower IDV: Choose a lower IDV to lower your premium costs based on the lowest coverage limit you can afford in case of an accident or total loss.
• Higher Deductible: Opt for a voluntary deductible and choose a high amount that you can pay when filing a claim.
• Fewer Add-ons: Make sure to avoid unnecessary add-ons and choose a more basic plan if you are tight on budget.
• Security Measures: Installing security gadgets, such as anti-theft devices, parking sensors and cameras, makes you eligible for a lower premium amount.

Find the Right Plan

There are many different car insurance plans available in India, so you must assess your needs and budget to find the best car insurance policy. While comprehensive car insurance plans offer the best coverage, you can get a third-party plan if you are tight on budget. OD insurance works best when you already have a third-party plan.

Evaluate the Insured Declared Value

The IDV you choose when buying a car insurance plan decides the maximum amount you can get from a claim. A higher IDV increases the payout but also increases the premium. Check the maximum IDV being offered and choose an amount based on your needs.

Select the Rider Options

Before you buy car insurance in Coimbatore, check if the insurer is offering the rider options you need based on your driving needs and habits. For example, you may want coverage for water-related damages if you live in a low-lying area. Alternatively, you may want zero depreciation cover if you have an expensive luxury car.

Compare Costs and Benefits

While it may be tempting to always go for the cheapest plan, make sure to calculate the benefits vs the costs. Check the scope of coverage, sum insured limits and exclusions of your shortlisted car insurance plans and compare the costs for the benefits offered.

Check the Terms and Conditions

Before buying any insurance plan, you should always go through the terms and conditions carefully. Check the policy brochure and other documents to understand the coverage limits, inclusions, exclusions, claim process and hidden terms that may affect your benefits.

Look at the Insurer’s Claim Settlement Ratio

The Claim Settlement Ratio or CSR determines how likely an insurer is to fulfil claim requests based on the number of claims they have settled against the number of claims they have received. Ensure to choose an insurance provider with a high CSR, low turnaround time and good customer ratings and reviews.

Step 1: Visit the TATA AIG website and click on ‘My Policy’ at the top.

Step 2: Sign in using your policy number, mobile number or email ID.

Step 3: Go to ‘Policy Download’ and enter your policy number or car registration number once prompted.

Step 4: Click on the ‘Download’ button to save a PDF copy.

Cashless network garages are select garages that TATA AIG has authorised to provide cashless repair services to its policyholders. You can visit the nearest cashless garage to get your car repaired, and we will pay the bills up to the maximum extent as per your insurance policy.

TATA AIG has a network of 5700+ cashless garages across India. These garages offer quick and good-quality repair services. To find a cashless garage nearest to you in Coimbatore, check our cashless network garage list and enter the city name and your car brand to find the updated list.