Buy/Renew Car Insurance in Delhi

To find the best car insurance in Delhi to protect your car, knowing the different types of car insurance plans offered by Tata AIG is necessary. Let us look at each of them below.

Third-Party Car Insurance

With third-party insurance, in case your car causes damage or loss to a third party or property, the insurance policy will provide financial relief to you for the third party who has been injured or has faced material losses due to the insured vehicle.

Pros: Affordable plans and requires minimal documentation.

Cons: Coverage is only limited to third-party liabilities, with no financial support for the insured vehicle.

Ideal For: Owners with low-value cars or minimal car usage can benefit from the mandatory third-party car insurance.

Own Damage Car Insurance

This type of car insurance protects your insured vehicle from any damage or loss incurred due to an accident or other out-of-control incidents like riots, natural calamities, theft, etc.

Pros: Increased coverage for the insured car with a range of add-ons for customisation.

Cons: No coverage for third-party liabilities.

Ideal For: Drivers who have regular commutes or reside in accident-prone areas can benefit from own damage car insurance

Comprehensive Car Insurance

We provide a unique option of comprehensive car insurance to our customers in Delhi, which provides its own damage cover, as well as third-party cover. This provides holistic coverage against any issues that might come up.

Pros: Extensive coverage for both third-party liability and insured cars. Additionally, this plan offers high customisation flexibility.

Cons: Premiums can be expensive.

Ideal For: All drivers in Delhi looking to protect their car from any damage or loss incurred due to accidents, man-made disasters, theft, etc., should invest in this plan.

As per the Motor Vehicle Act of 1988, it is mandatory to have valid third-party car insurance when driving your car. The premium pricing of this policy is determined based on the engine capacity or CC limit of the four-wheeler.

However, other than this, many other factors impact the car insurance price in Delhi based on the policy category. Let us look at some of them below.

Insured Declared Value (IDV): The role of IDV in insurance is that it marks the maximum financial support you will receive with your car insurance in Delhi in case your car is stolen or damaged beyond repair. It is based on your car’s market value minus the car’s depreciation.

Policy Type: Based on the choice between third-party, own damage, and comprehensive car insurance policies, the premium can vary. For instance, third-party car insurance will offer a lower premium as compared to a comprehensive plan.

Add-Ons: Depending on the number of add-ons you combine with your base car insurance policy, the insurance premium can increase.

Vehicle Model, Make, and Age: Based on the vehicle’s location, model, and age, the premium price can fluctuate. For instance, for new cars, the premium is higher as compared to older cars.

Deductibles: This is the voluntary deductible percentage from the claim amount that you pay on your own. The higher the deductible percentage, the lower the premium, and vice versa.

Understanding how your car insurance premium is decided in Delhi can make the process feel a lot less daunting. Insurers look at a range of details about you and your vehicle before finalising your policy quote. Here’s a clear look at the main factors that can affect what you pay for car insurance in Delhi:**

• Car Make, Model & Engine Size: Premium cars or those with bigger engines often have higher premiums because they’re costlier to repair or replace.

• Vehicle Age: While new cars typically cost more to insure, premiums can decrease as the car ages—though very old vehicles might see higher rates due to increased risk.

• Location of Registration: Cars registered in bustling places like Delhi usually attract higher premiums, mainly because of more traffic, accident chances, and the risk of theft.

• Policy Type: Comprehensive cover offers broader protection and usually comes at a higher price than third-party-only policies.

• Insured Declared Value (IDV): This is your car’s current market value; the higher the IDV, the higher your premium will be.

• No Claim Bonus (NCB): Years without claims earn you discounts—sometimes up to 50%—when you renew your policy.

• Deductibles: Voluntarily choosing to pay a higher deductible (your share during a claim) lowers your premium.

• Add-Ons & Riders: Extras like zero depreciation, engine protection, or roadside help add more security but also raise the premium.

• Safety & Anti-Theft Devices: Installing approved safety gadgets not only protects your car but can also help you save on your premium.

• Driver’s Age & History: Older and more experienced drivers with clean records often get better rates, while very young or senior drivers might see higher charges.

By keeping these factors in mind, you can feel more confident about what goes into your car insurance pricing in Delhi.

When it comes to car insurance in Delhi, having just a basic policy isn’t always enough—especially with unpredictable traffic, sudden weather changes, and the occasional pothole surprise. That’s where add-on covers come in. If you're buying or going for car insurance renewal, these optional covers can enhance your comprehensive car insurance or even complement your third party car insurance with extra support.

Let’s take a look at the 20 best add-ons you can get with your TATA AIG car insurance online, tailored to make city driving less stressful.

• Zero Depreciation Cover

  Skip the depreciation deductions. This cover ensures you get the full value of replaced parts—ideal for those Delhi bumper-to-bumper moments.

• Return to Invoice Cover

  If your car is stolen or damaged beyond repair, this add-on ensures you receive the original invoice value, including registration and road tax.

• Engine Protect Cover

  Live in an area prone to waterlogging during monsoon? This cover protects your engine and gearbox from water or oil damage.

• NCB (No Claim Bonus) Protection

  Don’t want to lose your bonus after just one claim? This one helps you keep your discount intact, even if you make a claim during the year.

• Roadside Assistance Cover

  Whether your battery dies in the middle of CP or you run out of fuel on NH-8, help comes to you with towing, repairs, or even a mechanic.

• Key Replacement Cover

  Lost or damaged your car keys? This cover takes care of replacement costs, including remote reprogramming if needed.

• Daily Allowance Cover

  If your car is at the garage for a few days, this cover gives you a daily travel allowance so you’re not stuck without transport.

• Tyre Secure Cover

  Tyres burst after hitting one of Delhi’s infamous potholes? This cover pays for repair or replacement due to cuts, impacts, or bulges.

• Emergency Transport & Hotel Expenses

  Stuck outside Delhi after an accident? This helps cover your hotel stay and travel expenses to get home safely.

• Consumables Cover

  It reimburses for consumables like engine oil, nuts, bolts, and brake fluid, often excluded in regular claims.

• Loss of Personal Belongings

  Covers personal items stolen or damaged inside your car during an accident or theft. Handy when you’ve left bags or gadgets inside.

• Emergency Medical Expenses

  Pays for immediate treatment if you or your co-passengers are injured in a road mishap.

• Personal Accident Cover for Passengers

  Protects passengers with up to ₹2 lakh coverage in case of injury or death due to an accident.

• Compulsory Personal Accident (Owner-Driver)

  A must-have for all vehicle owners. It offers ₹15 lakh coverage for the owner-driver in case of accidental death or disability.

• Repair of Glass, Fibre, and Plastic Parts

  Covers repairs to windshields, plastic or fibre parts without affecting your No Claim Bonus.

• Additional TP Property Damage

  Provides extra financial protection in case your vehicle accidentally damages third-party property—helpful for third-party vehicle insurance holders too.

• Unnamed Passenger PA Cover

  Covers unnamed people travelling in your car, which is especially useful if you frequently drive with friends, staff, or ride-share passengers.

• Invoice Value Plus Cover

  Takes Return to Invoice up a notch—this also covers accessories, extended warranties, and registration fees.

• Depreciation Reimbursement on Total Loss

  Even in total loss or theft cases, you’ll get full value without depreciation cuts on parts.

• Accessories Cover

  Got fancy sound systems or fog lamps installed? This protects electrical and non-electrical accessories from damage or theft.

Whether you're buying a new policy or renewing an old one, TATA AIG car insurance makes the process seamless, especially if you’re looking for car insurance in Delhi. You can do it all from the comfort of your home, fully online.

Buying TATA AIG Car Insurance in Delhi

• Visit the TATA AIG car insurance online portal and click on “Get Price”.

• Enter your vehicle registration number to begin.

• Provide car details like make, model, fuel type, and variant.

• Browse policy options—choose from third party car insurance or comprehensive cover.

• Use the vehicle insurance calculator to get a premium estimate for your car in Delhi.

• Add valuable covers like Zero Depreciation, Roadside Assistance, and Engine Protection.

• Complete the CKYC form, pay securely online, and your policy will be emailed to you instantly.

Renewing TATA AIG Car Insurance in Delhi

• Go to the renewal section on the website and enter your policy or car registration number.

• View your existing plan details and check your No Claim Bonus (NCB).

• Update your add-on covers if needed.

• Confirm all details and make the payment online.

With thousands of happy customers and 5900+ cashless garages, TATA AIG car insurance in Delhi offers trusted support wherever your journey takes you.

If your car meets with an accident or gets damaged in Delhi, filing a claim under your TATA AIG comprehensive car insurance or third party car insurance is a simple and online-friendly process. Follow these steps:

1. Notify TATA AIG Immediately

Contact TATA AIG through their helpline (022‑6489‑8282) or register the claim online at their website. Keep the policy number, car registration details, date/time of the incident, and a brief description ready.

2. Get the Car Inspected

A TATA AIG surveyor will inspect the damage. Based on the evaluation, you’ll be directed to either a cashless network garage in Delhi or advised to proceed with reimbursement.

3. Submit Required Documents

Prepare documents such as:

• Filled claim form

• Copy of your TATA AIG car insurance policy

• Driving licence

• Registration Certificate (RC)

• FIR (if applicable)

4. Choose Between Two Claim Options

Cashless Claim: Visit any of the 5900+ authorised garages in the TATA AIG network. The insurer will settle the bill directly.

Reimbursement Claim: Pay for repairs first and claim later by submitting original bills and supporting documents.

• Duly filled and signed claim form.

• Repair bills for the chosen garage (for reimbursement claims).

• Personal identity and address verification documents.

• First Information Report (FIR) for accidents.

• No Trace Report from the police station (if the car is stolen).

• Hospital and medical expenses reports (for personal accident cover claim).

• Valid policy document.

• Vehicle registration certificate.

If your car is involved in an accident or suffers unexpected damage, Tata AIG makes the repair process much easier with its extensive network of 5,900+ cashless garages across India, including Delhi. With a comprehensive car insurance policy, you can access the cashless claim facility, meaning you don’t need to pay for repairs upfront and wait for reimbursement. Instead, Tata AIG directly settles the repair bill with the authorised garage.

To make a claim, simply register it, get approval, and drive your car to any of Tata AIG’s network garages in Delhi. You can quickly find a nearby garage by visiting the Tata AIG website and entering your vehicle details along with the city. Keep in mind that services may vary across different garages, so it’s always good to confirm the availability of specific services beforehand. This cashless system ensures you get timely and quality repairs without the financial burden.

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