Car Insurance in Gaya

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Car Insurance in Gaya

Gaya, a city in Bihar, is known as the state's religious or pilgrimage centre. Roadways are the preferred mode of transportation for citizens. So, all four-wheeler owners in Gaya need to have a mandatory third-party car insurance policy.

However, various types of car insurance policies are available in Gaya. In this guide, we will explore the best car insurance in Gaya.

Why Do You Need a Car Insurance Policy in Gaya?

The car insurance policy in Gaya is crucial because of various reasons**

  • Poor Road Conditions One of the significant concerns among four-wheeler owners is damage to vehicles caused by poor road conditions. The repair expenses are high, so it is recommended to buy a comprehensive car insurance policy.

  • Vehicle Theft Another common reason for purchasing a car insurance policy in Gaya is vehicle theft. Incidents of vehicle theft are common and it comes with financial implications.

  • Road Accidents Road accidents are also common in Gaya. These accidents cause injuries to drivers as well as vehicles. Hence, a good car insurance plan is needed to cover these emergency expenses.

Key Features and Benefits of Tata AIG's Car Insurance in Gaya

Key Features and Benefits  Details
Third-Party Damage Cover We at Tata AIG offer third-party damage coverage to vehicles or property by the insured vehicle.
Own Damage Cover This cover offered by Tata AIG protects insured vehicles against damage and loss.
Buy and Renew Policy Online By visiting the official Tata AIG website, individuals can buy or renew their policy in just a few clicks.
Network Garages We have a network of 7500+ garages all across the country to offer cashless claim services to policyholders.
Claim Settlement Ratio With our high claim settlement ratio of 99% for FY 2022 -23, we offer hassle-free claim service to policyholders.

Types of Tata AIG Car Insurance in Gaya

If you’re typing in “car insurance near me” onto your browser’s search bar fear not! Tata AIG offers different online car plans catering to your specific needs. Here are the types of car insurance we offer in Gaya:

Third-Party Car Insurance

The third-party car insurance policy offered by Tata AIG covers damage or losses caused to third parties or property caused by the insured vehicle. It is legally mandated for all car owners in Gaya.

Pros and Cons: This policy's pro is that it is extremely affordable since it only covers third-party damages, but a downside to that would be no coverage for damages caused to your vehicle.

Ideal For: The plan is ideal for individuals who only need basic coverage.

Own Damage Car Insurance

Own damage car insurance policy protects the insured vehicle against accidental damage and can be paired with a third-party car insurance plan.

Pros and Cons: The plan offers protection to insured vehicles against various damages, but it does not cover third-party or property damages.

Ideal For: It is an ideal car insurance policy for individuals living in risky or accident-prone areas.

Comprehensive Car Insurance

Tata AIG's comprehensive car insurance policy offers extensive coverage for accidental damages, natural disasters and man-made calamities to insured vehicles while also offering third-party liability coverage.

Pros and Cons: This plan offers extensive coverage against various risks. It also comes with various add-ons or riders. However, the premium is very high.

Ideal For: This the the ideal car insurance policy for individuals who look for extensive coverage.

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

Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage This car insurance policy offers coverage to third parties or property damage caused by insured vehicles. This insurance for four-wheelers offers extensive coverage to insured vehicles against various risks.
Legal Compliance Legally mandatory in India. Must be bought either as a separate plan or bundled with comprehensive insurance. The plan is not mandatory.
Add-ons Benefit The plan doesn't offer any add-on or customisation benefits.  The comprehensive car insurance policy comes with a unique set of add-ons. 
Premium The plan premium is low Higher premium because of its vast coverage.
Exclusions Any damages to insured vehicles are not covered.  This plan has various exclusions, such as repair costs from driving under the influence of alcohol, drugs, etc., driving without a licence and more.

What is the Cost of Car Insurance in Gaya?

The car insurance policy rate in Gaya is affected by several factors. Let's understand them in detail.

  • Car Model: The car’s make and model are crucial when calculating the car insurance premium. A four-wheeler with a high price generally has a higher premium.

  • Insured Declared Value: The Insured declared value is another thing that affects the car insurance policy premium. The IDV in insurance is based on the depreciation and market value of the vehicle.

  • Policy Type: Different car insurance policies are available in the market. The type of policy also impacts the premium. For example, comprehensive plans usually have high premiums.

  • Add-ons: Add-ons are optional covers offered under comprehensive plans that offer enhanced protection for an additional price. These can increase the overall car insurance premium rate.

  • No-Claims Bonus (NCB): An NCB bonus is offered for consecutive claim-free years. Meaning, you can get a discount on your premiums up to a certain percentage for every claim-free year. Tata AIG offers a maximum NCB discount of up to 50%.

Best Car Insurance Add-Ons to Get in Gaya

  • Engine Secure: This add-on of Tata AIG provides coverage to engines against various damages like water ingression.

  • Tyre Secure: Under this add-on, policyholders can have their damaged tyres replaced or repaired without any additional cost.

  • Consumable Expense: This add-on will cover consumables expenses that have been damaged or lost during the accident.

  • Roadside Assistance: With this add-on, policyholders will get round-the-clock assistance from insurance companies for fuel deliveries, dead battery, etc, when stranded in a remote location.

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

How to Buy Car insurance in Gaya

  • Step 1: To buy the car insurance policy, open the Tata AIG official homepage.

  • Step 2: Next, head to the "All Products" section on the top.

  • Step 3: Select the "Motor Insurance" section. Under that option, choose the "Car Insurance" option.

  • Step 4: Next, enter the vehicle registration number and click on the "Get Price" button.

  • Step 5: Next, enter your vehicle’s make/model and your contact information along with other relevant details required and click the "See Price" button.

  • Step 6: Select the suitable policy type and include needed add-ons, if applicable.

  • Step 7: Fill out the policy application form and upload your KYC documents.

  • Step 8: Next, pay your car insurance premiums.

  • Step 9: Once the payment is successful, a copy of the policy will be sent to your registered email address

How to Renew Car Insurance in Gaya

  • Step 1: To do a car insurance renewal in Gaya, visit the official Tata AIG homepage.

  • Step 2: Scroll to the "All Products" section.

  • Step 3: Next, go to the "Motor Insurance" section.

  • Step 4: Select the "Car Insurance" section.

  • Step 5: Next, enter the car registration number and hit the "Renew" button.

  • Step 6: The policy details will appear, add or remove any add-ons from the policy.

  • Step 7: Fill out the car insurance renewal form or upload documents if needed.

  • Step 8: After filling out the form, pay the car insurance renewal premium.

  • Step 9: Once the payment is received, the car insurance policy will be sent via email.

How to File a Claim for Car Insurance in Gaya?

Individuals can file a claim for a car insurance policy in Gaya using two methods.

Reimbursement Claims

  • The policyholder needs to notify the Tata AIG representative about the incident within 3 working days of the incident.

  • Upon the notification, the representative will assign a surveyor for the vehicle inspection.

  • Once the assessment is done, the policyholder can send their vehicle for repair in any garage of their choice.

  • After that, they need to file the claim request by visiting the Tata AIG claim page.

  • Fill up the claim form and upload all necessary documents such as repair bills, vehicle documents, etc.

  • We will verify all the documents and claim forms.

  • After the successful verification, the compensation amount will be paid out.

Cashless Claims

  • When it comes to cashless claims, policyholders need to notify the Tata AIG representative within the decided time frame – 3 working days.

  • Upon the notification, the company will send out the surveyor for the vehicle inspection.

  • Once the survey is complete, policyholders need to take the vehicle to any of the listed network garages near them.

  • After the repair is done, we will settle the bills directly with the garage. You will not have to pay for the repair costs other than any compulsory deductibles.

Documents Needed for Car Insurance Claims in Gaya

  • Original car insurance policy document.

  • Copies of repair bills.

  • FIR copy

  • No trace report copy.

  • Vehicle documents such as driving licence, etc.

  • Any other documents asked by the insurance company.

Tata AIG Cashless Network Garages in Gaya

Network garages are repair garages partnered with insurance companies to provide specialised services, such as cashless claims or discounted services, to policyholders.

For example, in a cashless claim, Tata AIG insurer will settle your repair costs directly with the network garage, and you will not have to foot the bill as a policyholder.

Tata AIG has 7,500+ network garages nationwide. To find your nearest network garage in Gaya, go to our garage locator page, type in your city name, your car model and click search to be shown all the available garages within the city.

Disclaimer / TnC

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

Related Articles

Which is the best car insurance?

Which is the best car insurance?


That will depend on your specific requirements. If you own a new car or a luxury car, a comprehensive plan may be best suited. On the other hand, if you are only looking to ensure legal compliance, a third-party plan would suit you.

What is the cost of insurance for a car?


The cost of a car insurance policy depends on several factors such as vehicle type, model, insured declared value and more. After considering all these factors, the insurance premium is calculated.

Is adding a rider to the car insurance policy mandatory?


No, riders are completely optional. They provide additional coverage, so it is up to you to decide whether to include an add-on in your policy or not.