Car Insurance in Delhi

Road Accidents - Delhi tops the country in the number of road accidents every year, which makes it all the more important to have insurance for your car. Unforeseen circumstances, especially road accidents, can cause severe damage to your car, and the cost of repair is very high.

Poor Road Conditions - Due to the changing weather conditions in Delhi and the increasing traffic, the roads are full of potholes, increasing the risk of accidents, which can cause loss and damage to your car.

Improper Driving - You can be a safe and cautious driver at all times. However, due to the stress of peak hour traffic congestion, people might drive very rashly, increasing the risk of accidents and damage to your vehicle.

Traffic Rules - According to the Motor Vehicles Act 1988, every car owner must have a valid third-party car insurance policy on them at all times to drive in Delhi without any fine or penalty.

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.

To increase the coverage of your base policy for added benefits, you can choose from the following add-ons with your car insurance policy in Delhi.

• Engine Protection

• Key Replacement

• Medical Emergency

• Roadside Assistance

• Cover for rubber and plastic parts

• Hotel Expenses

• Type cover

• Other than this, the other two popular add-ons include -

The Zero Depreciation Cover offered to the customers can be added to safeguard your car without having to worry about the car’s depreciating value.

An attractive No Claim Bonus (NCB) on the insurance for the car is an added incentive to buy the insurance policy. If you go a year without raising any insurance claim, the company offers you a discount of 20% in the first year. The discount percentage goes up each year that the claim is not made, with a maximum limit of 50%.

Please note that add-ons increase the base policy coverage based on specific needs and requirements. Therefore, based on the number of add-ons you choose, your overall car insurance premium will increase.

How to Buy a Car Insurance Policy?

Visit the car insurance page on our website.

On the main page, enter your car registration number.

Once done, click on “Get Price” under it to proceed.

Enter all the requested personal and car details in the space provided.

To move forward, pick a car insurance policy of your choice and select any add-ons you require.

A premium quote will be displayed on the screen. Read the terms and conditions, and upon satisfaction, make the payment to buy your car insurance.

Steps to Complete Car Insurance Renewal in Delhi

Go to our car insurance page on our website.

Enter your vehicle registration number.

Click on the option “Renew” from the main page to proceed.

Read the existing terms and conditions of your policy, add or remove riders, and then click on “Continue”.

A revised premium for your car insurance will be displayed on the screen. If you are satisfied with it, make the required payment for the same to renew your car insurance in Delhi.

To file a claim with Tata AIG, you can choose from the following options based on preference.

Reimbursement Claims

With this claim option, all you need to do is register for a reimbursement claim and collect your number. Next, go to the garage of your choice to get your car repairs completed and clear the payment on your own.

You must collect all the receipts for the work done to submit them to us for evaluation. We will then evaluate your repairs and reimburse the amount permitted based on your policy terms and conditions.

Cashless Claims

Another way to file a claim with us is a cashless claim. Here, you will first need to inform us regarding the incident. Once it is registered, you need to take your car to one of the garages from the authorised cashless garage network offered by us.

Upon reaching, fill up the survey and provide all the necessary information regarding the incident and the required repair work. We will evaluate and approve the repair amount based on the survey report and your policy terms.

Then, the garage will take care of all the repairs for you, and we will pay the garage directly based on the approved amount.

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.

Any other additional documents required for a specific claim.

The cashless garages network offered by Tata AIG refers to the 7500+ network garages authorised by us for cashless claims facility. These garages are spread around the country, and you can get your car repairs done at any of them without paying anything from your pocket.

Once the repairs are done, the payment is on us. All you need to do is visit a network garage, fill up the survey report, get it approved from us and you are all set. With our cashless garage network, we provide you with quality and quick services to ensure effective repairs.

To find a cashless claim network garage for car insurance near me, visit our website, add your city, state or union territory and car make details to find the closest one.

It is important to note that a cashless claim facility is only available with our comprehensive car insurance plans. Moreover, some services might be limited to specific locations in India. Thus, always speak to customer service before visiting the network garage.