Car Insurance in Delhi

Choosing the right Delhi car insurance starts with understanding what each policy type offers.

Stand-Alone Third-Party Car Insurance Policy

The third-party car insurance policy covers damages or injuries caused to others by your vehicle. It's legally mandatory but does not protect your own car from damage, which makes it ideal for older vehicles or minimal usage.

Stand Alone Own Damage Car Insurance Policy

The standalone own damage plan protects your vehicle from accidents, theft, fire and natural disasters. However, it excludes third-party liabilities, so it must be paired with a separate third-party cover to stay road-legal.

Comprehensive Car Insurance Policy

The most complete option, the comprehensive car insurance policy combines both own damage and third-party coverage. It offers extensive protection with customisable add-ons, which makes it the best car insurance in Delhi for the complete coverage.

Accident Protection

Delhi roads are unpredictable, and accidents can lead to expensive repairs you did not plan for. When you buy car insurance, it covers repair costs, so you do not have to empty your savings for fixing your damaged car.

Third-Party Coverage

If your car damages someone’s property or causes injury, you must pay for it. A proper car insurance policy handles these third-party claims, protecting you from heavy payments and legal problems you might face.

Theft Prevention

Delhi sees many cases of vehicle theft and vandalism, especially in crowded parking areas. The best car insurance company in Delhi offers coverage that pays you back if your car is stolen or damaged by others.

Fire and Disaster Cover

Fires, floods, and earthquakes can strike without warning and destroy your vehicle in minutes. Comprehensive coverage protects you from these natural and man-made disasters, so you don't bear the full money loss by yourself.

Cashless Repairs

With over 5700 network garages across India, you can get your car fixed without paying first. The car insurance price in Delhi includes this cashless facility, making claims easy and getting you back on the road much faster.

Inclusions in the TATA AIG Car Insurance in Delhi

• Accident Damage: Your repair costs are fully covered if your car gets damaged in any road accident.
• Theft or Fire: Losses from theft, fire, or burglary are included when you choose TATA AIG's comprehensive plans.
• Natural Disasters: Floods, earthquakes, and cyclones causing vehicle damage are covered under your insurance policy completely.
• Third-Party Cover: Damage to other vehicles or people is covered as required by Indian motor law.
• Personal Accident: The registered owner-driver gets ₹15 lakh coverage for injuries or accidental death while driving.
• Cashless Repairs: Get quick repairs at over 5700 authorised garages across India without paying upfront bills.
• Add-On Covers: Choose from 20+ optional covers like zero depreciation, engine protection, and NCB protection benefits.

Exclusions in the TATA AIG Car Insurance in Delhi

• Wear and Tear: Regular ageing, mechanical breakdowns, or natural depreciation of car parts are not covered.
• Drunk Driving: Claims get rejected immediately if the driver was intoxicated or driving without a valid licence.
• Commercial Use: Private car insurance doesn't cover any damage when your vehicle is used for commercial purposes.
• Outside India: Any claims for accidents or damage occurring outside India won't be entertained by the insurer.
• Consequential Loss: Indirect damages like engine seizure from flooding need special add-ons to be covered properly.
• Illegal Activities: Racing, speed testing, or any illegal use of your vehicle results in automatic claim denial.
• Expired Policy: No claim support is available if you forgot to renew your policy on time.

Choose the Right Type of Insurance

Start by understanding your needs and budget for car insurance in New Delhi. Pick a third-party plan for basic legal protection, or a comprehensive one for complete safety of your vehicle against all risks. If you already have a third-party plan, you can take an additional own damage car insurance policy to enhance your coverage.

Select Useful Add-ons

Once you've chosen your base car insurance policy, add covers that match Delhi's driving conditions. Zero depreciation, engine protection and roadside assistance are popular choices for better protection on city roads.

Compare Plans Online

Visit the TATA AIG website and compare different Delhi car insurance plans side by side for features. Check premium costs, coverage limits, add-ons available and read reviews before making your final decision.

Look for Online Discounts

Buying your car insurance policy online often comes with special discounts and lower premiums than an offline purchase. You can save 90% on premiums with TATA AIG, especially when renewing policies through the website or mobile app.

Purchase and Get Your Policy

Fill in your vehicle details, complete the payment securely online, and receive your policy instantly via email. The entire process for car insurance New Delhi takes just a few minutes without any paperwork or agent visits.

Check the Claim Process and Garage Network

Before making a decision, look over the claim settlement process and see if there are any nearby cashless garages. TATA AIG offers 5700+ network garages across India, which makes Delhi car insurance claims quick and easy for all customers.

Documents Required to Apply for or Renew a TATA AIG Car Insurance

• Documents to confirm your residential address in Delhi.
• A valid ID proof, such as a PAN Card, Aadhaar Card, or Voter ID.
• A recent passport-size photograph for identity verification.
• A copy of your valid driver's licence.
• A Pollution Under Control (PUC) certificate showing your vehicle meets emission standards.
• The registration details of your car issued by the RTO.
• Credit/Debit card or net banking information for online premium payment.
• When renewing, your existing policy number for quick renewal or NCB transfer.
• Vehicle RC (Registration Certificate) to confirm ownership and vehicle details.

Documents Required for Car Insurance Claim

• 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.

• Car Make, Model & Engine Size: Premium cars with bigger engines cost more to insure because repairs are expensive. Your Delhi car insurance premium increases if you own a high-end vehicle with advanced features and powerful engine capacity.

• Vehicle Age and IDV: New cars have higher premiums than older ones because their market value is higher. The Insured Declared Value affects your car insurance policy cost, and it decreases as your vehicle gets older over the years.

• Policy Type and Coverage: Comprehensive plans cost more than basic third-party insurance because they offer complete protection. Your Delhi car insurance price depends on whether you choose full coverage or just the minimum legal requirement for your vehicle.

• No Claim Bonus and Deductibles: If you don't make claims for years, you earn discounts up to 50% on your car insurance policy renewal. Choosing higher deductibles also reduces your premium because you agree to pay more during claims.

• Add-ons and Safety Features: Extra covers like zero depreciation or engine protection increase your Delhi car insurance cost but provide better protection. Installing approved anti-theft devices can help you save money on your premium while keeping your car safe.

1. Visit TATA AIG website and click on "Get Price" to start buying your car insurance in delhi policy.
2. Enter your vehicle registration number and provide car details like make, model, fuel type, and variant clearly.
3. Browse available policy options and choose between third-party or comprehensive best car insurance in Delhi coverage plans.
4. Use the premium calculator and add useful covers like zero depreciation, roadside assistance, and engine protection features.
5. Complete the CKYC form, make a secure online payment, and receive your car insurance policy instantly via email.

1. Go to the renewal section on the TATA AIG website and enter your policy number or vehicle registration number.
2. View your existing car insurance in Delhi plan details and check your accumulated No Claim Bonus discount.
3. Update or add new add-on covers if you want better protection for your vehicle this year.
4. Review all policy details carefully, including premium amount, coverage limits, and add-ons, before confirming your renewal.
5. Make secure payment and receive your renewed car insurance policy document via email within a few minutes.

Step 1: Register Your Claim

Contact our helpline at 022-6489-8282 or register a claim online immediately after the accident. Keep policy number, registration details and incident description ready for quick processing.

Step 2: Receive Your Claim Intimation Number

After registering, you will receive a unique claim intimation number via SMS or email instantly. Save this number as you'll need it for tracking your best car insurance in Delhi claim status.

Step 3: Vehicle Inspection and Assessment

A TATA AIG surveyor will inspect your damaged vehicle and assess repair costs thoroughly. They'll guide you to either a cashless garage or reimbursement process based on the damage evaluation done.

Step 4: Get Your Car Repaired

Visit any network garage for cashless repairs or choose your own garage for the reimbursement option. Submit required documents like the claim form, driving license, RC, and FIR if needed.

Step 5: Claim Settlement

For cashless claims, the garage receives payment directly from TATA AIG for approved repair costs immediately. For reimbursement, submit original bills and get the claim amount transferred to your bank account after verification is completed.

Getting your car repaired after an accident is stress-free with our cashless garage network. As one of the best car insurance companies in Delhi, we let you get repairs done without paying from your pocket. We directly settle bills with our authorised garages, so you don't have to worry about upfront costs. With over 5700 network garages across India, finding one in Delhi is quite easy. Here's how you can locate a nearby cashless garage:

• Step 1: Go to the garage locator page on the TATA AIG website.
• Step 2: Choose Delhi as your city and enter your car's make or model.
• Step 3: Hit the "Search" button to see all nearby authorised garages, then pick the one that's most convenient for you.

Driving in Delhi without proper protection can be risky, which is why having the right car insurance policy is essential for every car owner. When you buy car insurance from TATA AIG, you get complete coverage starting at just ₹2,094, along with access to over 5700 cashless garages across India for hassle-free repairs.

We know Delhi drivers need quality protection at affordable prices, and TATA AIG provides cheap car insurance with amazing benefits like 50% No Claim Bonus and ₹15 lakh personal accident cover. Our car insurance policy protects you from accidents, theft and natural disasters. Whether you want basic coverage or complete protection, we have plans that fit your budget and needs that keep you safe on Delhi's busy roads.