Car Insurance in Gurgaon

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Car Insurance in Gurgaon

Gurgaon is known as India’s second-largest IT hub and third-largest financial and banking hub. The city has seen rapid growth and urbanisation in the past decade; this has changed the lifestyle of people.

Majorly populated by IT professionals and high-income individuals, every other person here has a car. It has led to an increase in the car population in the city and has become the cause of traffic congestion, road rash, car accidents, and collisions.

To protect your price vehicle from damages caused due to such incidents, it is advised to buy insurance for four-wheelers. But what type of car insurance policy will be suitable for you? What features should you look out for in your insurance, and how to buy a car insurance policy in Gurgaon. All these questions will be answered here, so keep reading.

Why Do You Need a Car Insurance Policy in Gurgaon?

As per reports, there are over 8 million vehicles in the state of Haryana, and Gurgaon, being a prominent urban city in the state, sees the most number of vehicles on its roads. All these vehicles create a web of traffic on the roads that often becomes unmanageable and causes incidents like collisions and accidents.

In such a situation, it becomes necessary for every vehicle owner in Gurgaon to safeguard their vehicles and themselves from physical and financial loss that may be incurred. For this, buying insurance for a four-wheeler is the right choice; a car insurance policy in Gurgaon provides you coverage against accidental damage, third-party liabilities, theft and coverage against natural calamities.

Read About: Traffic Fines in Gurgaon/Gurugram

Key Features and Benefits of Tata AIG Car Insurance in Gurgaon

Key Features and Benefits  Details
Cashless Repairs  Get cashless repair services from our network of over 7500 garages all over India
Third-Party Coverage Get coverage for third-party damages 
Claim Assistance  Our team of claim experts assists at every step of the insurance claim
Customisable Add-ons We provide several add-ons with our insurance for the overall protection of your vehicle
High Claim Settlement Ratio We boast a 99% claims settlement ratio as of FY 2022-23 and assure you high settlement ratio for car insurance
No Claim Bonus Get up to 50% discount on car insurance premiums after 5 consecutive claim-free years
Easy Buy/Renewal Option Easy online process for buying or renewing insurance with Tata AIG

*Terms and Conditions Apply

Types of Car Insurance in Gurgaon

Standalone Own-Damage Car Insurance Policy

A standalone own-damage car insurance policy is a type of insurance that only covers the expenses for the damage sustained by your insured vehicle in case of accidental damage. The insurance policy has its pros and cons that need to be considered before buying.

Included in Insurance   Not Included in Insurance 
Accidental Damages Third-party Liabilities
Fire & Explosion Damages Electrical and Mechanical Breakdown
Theft Drunk Driving
Natural Disaster Damages Depreciation
Ideal For Individuals who want to protect their vehicle from any unforeseeable damages

Third-Party Car Insurance Policy

As the name suggests, third-party car insurance is insurance that provides coverage for damages and injuries sustained by third-party persons and property due to your insured vehicle.

Included in Insurance   Not Included in Insurance 
Third-Party Liability Own Vehicle Damage
Property Damage Personal Injuries
Personal Accident Cover Damages due to Drunk Driving
Legal Expenses Non-Accidental Damages
Ideal For Having at least third-party insurance is mandatory under the law. One can opt for this insurance for an old or low-value vehicle.

Comprehensive Car Insurance Policy

A comprehensive car insurance policy is a complete protection insurance that provides coverage to you and your vehicle against various damages and legal and financial liabilities.

Included in Insurance   Not Included in Insurance 
Accidental Damages Driving without a valid licence
Fire & Explosion Damages Damages caused due to regular usage
Theft Damage caused due to driver’s negligence
Natural Disaster Damages Damage caused due to vehicle involved in the activity like racing
Ideal For Every vehicle owner who wants 360 protection for themselves and their vehicle

Best Car Insurance in Gurgaon: Third-Party vs Comprehensive Car Insurance

Basis  Third-Party Car Insurance Comprehensive Car Insurance
Coverage Provides coverage against damages to third-party persons and property due to insured vehicles.  Provides extensive coverage against a wide variety of damages and legal and financial liabilities. 
Add-ons  There are limited or no add-ons provided with third-party insurance. It can ensure extra protection with unique add-ons.
Third-party Coverage Provides coverage against legal and financial liabilities to third-party damages due to the insured vehicle.  Provides legal and financial coverage against every third-party damage caused due to the insured car. 
Customisation Customisation is not available as it is standard third-party insurance. Customisation is available as per individual needs.
Cost It is less expensive as it provides coverage against third-party damages only.  It is more expensive as its coverage is broader than third-party insurance. 

What is the Car Insurance Rate in Gurgaon?

Car insurance premium price is determined based on various factors, these include.

Make and Model of the Car: The make, model, and variant of your car affect your car insurance premium, as the more expensive the car model is the more its premium will be.

Registration Location: Location matters when buying insurance for four-wheelers. If a car is registered in a rural area or small town, then its insurance premium will be less than a car registered in a metropolitan or urban city.

No Claim Bonus: An accumulated no claim bonus or NCB helps policyholders claim discounts on insurance premiums while renewing their policy.

IDV Value: Insured declared value, or IDV, is the maximum claim amount an insurance holder can get in case of theft or total damage to a vehicle. The higher the IDV, the more the insurance premium will be.

Add-ons: Add-ons are a great way to include extra protection in your insurance, and you can get add-ons as per your need by paying their price.

Driving and Claim Records: People with clean driving records and less claim history might have better chances of getting discounts rather than those with spotty driving records and regular claims.

Best Car Insurance Add-ons to Get in Gurgaon

Add-ons in your car insurance policy act as extra paddings that protect you from unpredictable dangers and damages. Although there are various add-ons available, these are some of the best add-ons for car insurance in Gurgaon.

Roadside Assistance Coverage: It is one of the best add-ons for car owners who travel frequently. The roadside assistance add-on provides you with on-site service if your vehicle breaks in transit. From repairing dead batteries to replacing flat tyres, you can get car services with an add-on.

Zero Depreciation Add-on: This add-on covers the depreciation cost deducted from your car’s part during an insurance claim.

Return to Invoice: It is a beneficial add-on to get on your insurance. Under this add-on, if your vehicle suffers total or constructive loss or is stolen, then you will be reimbursed with the invoice value of the car.

No Claim Bonus Protection Cover: With this add-on, you can make a specific number of claims in a year without affecting your accumulated NCB amount.

Engine Secure: It is a beneficial add-on for vehicle owners living in flood-prone areas. This add-on provides for expenses that occurred due repair and replacement of internal parts of the engine.

Consumable Expenses: Under this add-on, the cost of your consumables, such as gearbox oil, engine oil, lubricant, etc, will be covered.

How to Buy and Perform Car Insurance Renewal in Gurgaon with Tata AIG?

How to Buy Car Insurance Policy with Tata AIG

Step 1: Go to the Tata AIG website.

Step 2: Provide your car registration details under the “Car” tab and click on “Get Price.”

Step 3: Next, provide your personal and vehicle details as requested.

Step 4: Select your policy type and add-ons as per your requirements.

Step 5: Review and confirm all insurance details like policy details, premium amount, policy coverage, etc.

Step 6: Make payment of your insurance premium from any given payment method.

Step 7: You will receive a soft copy of your car insurance policy at your registered email address.

How to Renew Car Insurance Policy with Tata AIG

Step 1: Go to the official Tata AIG website.

Step 2: Provide your vehicle registration details under the “Car” tab and then click on “Renew.”

Step 3: Provide details of your existing vehicle policy as requested on the screen.

Step 4: Select car insurance policy coverage and add-ons as per your requirements.

Step 5: Proceed with payment of your insurance premium from the given payment methods.

Step 6: After successful payment, you will receive the soft copies of your insurance documents at your registered email address.

How to File Claim for Car Insurance in Gurgaon?

With Tata AIG, you get options to make car insurance claims in Gurgaon; you can either get a cashless claim or a reimbursement claim.

Cashless Car Insurance Claim

With Tata AIG's cashless car insurance policy claim, you just need to register your claim on our Claim Process page, to start your claim settlement process.

After submitting the required documents on our website, our insurance executive will visit to confirm all the car damages and verify the documents.

Once the survey is completed, you can send your car for repair to our network garage.

Tata AIG will then directly connect with the network garage and pay the due bills, which will get deducted from your sum insured.

Reimbursement Claims

The reimbursement claim procedure is different from the cashless one, as in this, you, as a policyholder, need to pay for your vehicle's damages. Moreover, you can get your vehicle repaired from any garage of your choice other than network garages. You just need to provide bills and receipts of your damage repairs to get reimbursed.

To get a reimbursement claim, connect with Tata AIG insurance executive, or you can also, visit our Claim Process page, where you need to provide the necessary details.

Once you get your claim registration number, then send your damaged vehicle to your preferred garage.

After this, you need to provide our insurance executive with bills, receipts, and other documents to verify and confirm your liability.

Once your claim is verified and processed, we will initiate your claim settlement.

Documents Required for Car Insurance Claim in Gurgaon

  • Duly filled and signed claim insurance form by the insurer

  • FIR copy in case of accidental case

  • No trace report from the police and letter to RTO in case of stolen vehicle

  • Personal Information like address and identification proof

  • Repair bills from the garage (for reimbursement claim)

  • Vehicle details like registration number, RC copy, and vehicle original keys

  • Copy of car insurance policy

  • Copy of driving licence

  • Original estimate invoice and payment details for repairs done at the network garage

  • Hospital bills for personal accidental claims

Tata AIG Cashless Network Garages for Car Insurance in Gurgaon

Tata AIG cashless garages is a vast network of garages where you can get cashless repair services for your car in case of any accidental damage.

You need to take your car into any of Tata AIG’s network garages, and there, you will be provided with cashless car services, a speedy claim settlement process, and drive your vehicle stress-free after getting service. You can use the Tata AIG garage locator to find the nearest network garage in your city.

Remember that you can get the benefit of cashless garages under a comprehensive car insurance policy. Moreover, certain services are available in select cities; you can find more information regarding this from our insurance executive.

Disclaimer / TnC

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

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How to find car insurance near me?

How to find car insurance near me?


You can easily find the best car insurance online by browsing through the websites of various insurance companies. Compare the insurance coverage, premium price, and other details and buy insurance online in a few simple clicks.

What is the fine for driving a car without insurance in Gurgaon?


The fine for driving without insurance in Gurgaon is ₹2000 for the first offence and ₹4000 for the subsequent offence.