Car Insurance in Guwahati

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Car Insurance in Guwahati

Car insurance policy is the vehicle coverage that provides protection to vehicles against damages such as accidents, theft, and more. Vehicle owners in Guwahati need to have at least a third-party car insurance policy, as it is a mandatory requirement.

Those who drive a vehicle without a third-party car insurance policy need to pay a fine to authorities. There are various types of car insurance policies in Guwahati, which we will discuss in this guide.

Why Do You Need a Car Insurance Policy in Guwahati?

Vehicle owners must consider purchasing a car insurance policy in Guwahati due to the listed reasons:

Theft: A car theft is a common occurrence in many cities of India. There have been many complaints registered about vehicle theft in Guwahati. Losing a vehicle can cause a lot of financial burden on individuals. But with a comprehensive car insurance policy in Guwahati, policyholders can get reimbursement in case of total vehicle loss.

Road Accident: Another very common factor is road accidents. Any significant or minor accident can cause damage to a vehicle. A car insurance policy provides financial assistance in case of damage due to accidents.

Poor Road Condition: Driving a vehicle in poor road condition can cause damage to the vehicle. A car insurance policy will be incurred for the expenses of repair caused due to poor road conditions.

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

Key Features and Benefits  Details
Own Damage Cover Under the own-damage cover, damages to the insured vehicles are included.
Claim Settlement Ratio Tata AIG has a high claim settlement ratio of 99%
Third-party Damage The third-party damage to the property or vehicle or bodily injury is covered under the policy.
Claim Assistance We have a team of 650+ claim experts to ease the claim settlement process.
Network Garages Tata AIG has a vast network of 7000+ repair garages all across the country.

Types of Tata AIG Car Insurance in Guwahati

When you search for car insurance near me, different types of car insurance policies may come up. Here are the car insurance policies offered by Tata AIG.

Third-Party Car Insurance

Tata AIG's third-party car insurance policy is mandatory as per the law. The insurance policy provides financial protection for damages caused to third parties or property due to insured vehicles.

Pros and Cons: The third-party insurance policy offers cost-effective premiums to policyholders. However, individuals won't get any additional vehicle coverage under this policy.

Ideal For: The policy is preferred by vehicle owners who require limited coverage or those who have old bikes.

Own Damage Car Insurance

Tata AIG's own damage cover policy protects vehicle owners in case of damage or loss to insured vehicles.

Pros and Cons:** The policy protects own vehicle damage against fire, theft, etc., but it does not cover third-party damage.

Ideal For: This insurance policy is ideal for vehicle owners who live in accident-prone regions.

Comprehensive Car Insurance

The comprehensive car insurance policy offered by Tata AIG offers extensive coverage to vehicle owners against various damages, including natural disasters, man-made disasters, and more.

Pros and Cons: This car insurance policy provides complete protection to vehicles. Plus it also comes with various add-ons to enhance protection. However, the premium of such a policy can be high.

Ideal For: The policy is ideal for vehicle owners who are looking for enhanced vehicle protection.

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

" "
Coverage Provided Third-Party Car Insurance Comprehensive Car Insurance
Legally Mandated It is mandatory as per the Motor Vehicles Act of 1988. It is not mandatory to have, but recommended 
Customisation Flexibility  The policy doesn't offer any customisation flexibility. Various add-ons are available to enhance the policy coverage.
Premium Prices Due to limited coverage, the policy premium is lower. Due to extensive coverage, the policy premium is higher.
Exclusions  Damages to the car and any injuries to the owner-driverDoes not cover beyond geographical location Driving under the influence of an intoxicating substance. Driving without a valid vehicle RC and driving licence. Negligent driving.

What is the Car Insurance Rate in Guwahati?

The car insurance policy premium in Guwahati depends on various factors such as:

Insured Declared Value: The insured declared value of the car is the maximum value provided by the insurance provider in case of total loss and repair beyond damage. The insured value of a car is calculated by factoring in the depreciation and current market value of the vehicle.

Car Model and Variant: Another thing that affects the car insurance premium is the car model and variant.

No Claim Bonus: Often, vehicle owners don't know what is NCB in insurance. It is the bonus or discount the policyholder gets for not filing a claim for consecutive years. The discount is generally on the car insurance premium.

Policy Types and Add-ons: The policy types and add-ons also affect the car insurance policy premium in Guwahati. Policies with extensive coverage and add-ons generally have higher premiums.

Deductibles: Deductibles are the option where the policyholder agrees to pay part of the repair expenses, and the insurance company covers the rest. The car insurance policy with high deductibles generally has a lower premium.

Best Car Insurance Add-Ons to Get in Guwahati

  • Tyre Secure

  • Emergency Transport and Hotel Expenses

  • Zero Depreciation

  • No Claim Bonus Protection

  • Loss of Personal Belongings

  • Return to Invoice

  • Roadside Assistance

  • Repair of Glass Fiber and Plastic Parts

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

How to Buy Car Insurance Online in Guwahati

Step 1: To buy car insurance online, browse the Tata AIG official website.

Step 2: After the website is loaded, head to the "All Products" section.

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

Step 4: Next, select the "Car Insurance" option.

Step 5: After that, enter the vehicle registration number and click the "Get Price" option.

Step 6: Next, choose the car insurance plan and add-ons if needed. After that, click the "Proceed" Button.

Step 7: Fill out the policy detail form and upload all the vehicle-related documents.

Step 8: After that, pay the car insurance policy price.

Step 9: Once the payment is received, the policy will be issued to policyholders.

**How to do Car Insurance Renewal in Guwahati? **

Step 1: To do the car insurance policy renewal, visit the official Tata AIG website.

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

Step 3: Next, choose the "Motor Insurance" option. Further, select the "Car Insurance" option.

Step 4: Add the vehicle registration number and click on the "Renew" button.

Step 5: The existing policy details will appear, review the details and include or exclude riders if required.

Step 7: Once done, fill out the basic details and upload documents if needed.

Step 8: Next, pay the car insurance renewal in Guwahati fees.

Step 9: After the successful payment, the policy document will be sent to the email address.

How to File a Claim for Car Insurance in Guwahati?

To make a car insurance claim in Guwahati, policyholders will have two options.

Reimbursement Claims

To initiate the Tata AIG car insurance policy reimbursement claim, individuals can take their vehicle for repair in any garage. Once the repair is done, policyholders can pay the repair expenses out of their pocket.

After that, they need to file a claim request on the website and upload all the necessary documents. The official will verify all the documents, and based on that, they will release the claim amount.

Cashless Claims

Simply register your claim on our website and submit the relevant paperwork. Policyholders need to take their damaged vehicles to any of the listed network garages. The repair expenses, in that case, will be settled directly by the insurance company to the garage. Policyholders don't have to pay for any expenses.

Documents Needed for Car Insurance Claims in Guwahati

  • Original car insurance policy documents.

  • Identity and address proof copy.

  • All the vehicle-related documents such as driving licence, RC, etc.

  • No trace report in case of vehicle loss.

  • Copy of First Information Report in case of accident.

  • Legal document for third-party damage or liability.

  • Any additional documents asked by the insurance officials.

Tata AIG Cashless Network Garages for Car Insurance in Guwahati

Tata AIG has an extensive network of cashless garages where vehicle owners can take their vehicles for repair in case of damage. These garages ease the claim process. There are 7000+ network garages all over the country.

To find the cashless claim, visit the Tata AIG official website. Then select the city "Guwahati" to find all the cashless garages. The cashless claim services only come with the comprehensive car insurance policy offered by the Tata AIG.

Further, certain kinds of car repairs are restricted to major cities. Hence, always check the official website before investing in a car insurance policy.

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

Can we buy a car insurance policy online?

Can we buy a car insurance policy online?


Yes, by visiting the Tata AIG website, individuals can buy a car insurance policy online in just a couple of minutes.

Are there any additional charges for add-ons?


Yes. Add-ons or rides are voluntary offers by insurance companies to enhance vehicle protection. By including riders in the policy, individuals need to pay an additional price.

Can I purchase a Tata AIG car insurance policy for 3 years?


Yes, individuals can purchase a car insurance policy for 4 years from the official Tata AIG website. Generally, the car insurance policy comes with a one-year renewable process, but if individuals want, they opt for multi-year renewable.