Car Insurance In Hyderabad

Hyderabad, like other Indian metropolises, is growing at a rapid rate. Because of the large population and visitors from all over the world, the roads are always congested with vehicles and other modes of public transit. The planned metro building projects have also fueled the fire.

City traffic is a source of concern. Despite having numerous flyovers, it has almost been difficult to dodge the traffic congestion in Hyderabad. It is the same situation in every big Indian city.

To make matters worse, bumper-to-bumper traffic can cause accidents with the slightest of negligence on the driver’s part, which may lead to expensive accidental claims.

With a car insurance policy, you can get covered for all the unprecedented scenarios that can damage your car and drive with peace of mind. Tata AIG also provides a variety of plans to guarantee that you have options that meet both your budget and needs. Our online car insurance premium calculator lets you calculate how much you'll have to pay in premiums based on the coverage you pick. But we suggest you compare car insurance plans on Tata AIG to find the one suited best for you.

Terms and Conditions Apply

Comprehensive Car Insurance

It's the most popular four-wheeler insurance policy in Hyderabad. It not only protects the car owner-driver, occupants, and the vehicle from damage but also protects the insured against costs and liability resulting from third-party damage, death, or injury.

Pros:

Wide-ranging add-on options are available

No Claim Bonus on premiums

Cons:

Comparatively expensive

Slightly detailed claim process

Ideal For:

If you are looking to ensure complete protection of your car, easing your mind from any financial constraints in one solution, comprehensive car insurance in Hyderabad is a fair choice.

Stand Alone Third-Party Car Insurance

In contrast to its counterpart, third-party four-wheeler insurance just covers losses to a third party, like death, property damage, or injury, and is required by law across Hyderabad.

Pros:

Most affordable

Less documentation

Cons:

Does not cover own car damages

Add-ons not applicable

Ideal For:

If you are well disciplined at driving, own a low-value vehicle, and drive significantly less frequently, a third party car insurance policy in Hyderabad can be a sensible solution.

Stand Alone Own Damage Car Insurance

It is an insurance for four-wheelers that offers financial protection restricted to your own car damages.

Pros:

Coverage for your car can include accidental damages, theft cases, natural and man-made disasters, with add-on options

Cons:

Third-party liabilities not covered

Applicable to cars bought after September 2018

Ideal For:

If you own a high-value vehicle and navigate through high-risk areas frequently, the own damage car insurance policy in Hyderabad is a wise decision.

The car insurance policy premium is the most crucial aspect. It is based on your car specifications and the coverage required. While comparing the options, make well-informed decisions by choosing the best car insurance policy and ensuring it is affordable.

Here are a few of the most important factors that affect your car insurance premium.

IDV- The IDV full form is Insured Declared Value. It refers to the maximum coverage you can get from the insurance for your four-wheeler. It is calculated based on your car’s current market value, subtracting the depreciation value.

Type of car insurance and add-ons included- The car insurance premium will vary for the third-party, own damage, and comprehensive car insurance plans. Further, it will increase if you have included add-ons.

Age and Engine Capacity- New vehicles will attract a higher premium rate compared to the older ones. Furthermore, the premium for cars with a higher cubic capacity is higher compared to the ones with a lower cubic capacity.

Deductibles- It is the extent of the amount that you pay towards the repair expenses. If the deductibles are higher, the premium gets lower.

Claims History- If you have made no claims in the previous year, you are entitled to receive a No Claim Bonus that can reduce the premium.

Other Factors- Other factors, including the make and model, variant, modifications and additional security features on your car, and the location, can significantly impact car insurance premium.

When you purchase car insurance online or offline from us, you do not just get complete coverage but also get the whole package with reasonable and personalised four-wheeler add-on covers. At Tata AIG, we offer 17 add-on covers, and some of the common ones are as follows:

• No-Claim Bonus (NCB) Protection Cover

• Return to Invoice Coverage

• Coverage for Roadside Assistance

• Personal Accident Insurance (for the owner-driver)

• Engine Secure Coverage

• Depreciation Reimbursement Coverage

• Key Replacement Coverage

• Tyre Secure Coverage

• Coverage for Consumables Expenses

• Emergency Transport and Hotel Expenses

• Loss of Personal Belongings

• Repair of Glass Fiber and Plastic Parts

• Daily Allowance

• Return to Invoice

If you want to determine the best car insurance in Hyderabad, it is the one customised to your specific needs. Add-ons help in customisation. However, they are provided at an additional cost. Therefore, evaluate the benefits of add-on covers and their costs to choose the most necessary options.

How to Buy Car Insurance?

• Visit our Tata AIG official website.

• Select the ‘Car’ tab, enter your car's registration number, and click on 'Get Price'.

• Enter the required details - personal and car details.

• Decide on the type of car insurance policy, coverage, and add-ons required.

• An instant premium quote will be displayed on the screen. You can proceed to purchase the car insurance online if you are satisfied.

How to Renew Car Insurance?

• Visit our Tata AIG official website.

• Select the ‘Car’ tab, enter your car's registration number and click on 'Renew'.

• Enter the required details - personal and car details.

• Decide on the car insurance coverage and add-ons required.

• An instant premium quote for your car insurance renewal in Hyderabad will be displayed on the screen. You can go ahead and renew the car insurance online.

If you want to initiate a claim for your car insurance policy in Hyderabad with Tata AIG, you have two options: Cashless Claims and Reimbursement Claims.

Cashless Claims

• For a cashless claim, you can just register and sit back to relax. We will pay the garage for the repair expenses directly.

• In the event of an accident, you will inform and register for the cashless claim with us. Further, you can take your car to any of our network garages nearest to you.

• There will be a survey on the damages, and we will approve the cashless claim amount based on that report. Upon completion of the repair, we will settle the approved amount directly with the garage. The responsibility of paying the uncovered expenses will be left to you.

Reimbursement Claims

• For reimbursement claims, you can get the repairs done at your will!

• In this case, you will register for the reimbursement claim with us and go to any garage to get your car repaired and pay the expenses. Later, you can submit the applicable receipts to us, and we will reimburse it after the verification.

• Although you have the option to choose the garage of your choice, it may require additional documentation.

Make a list of the following papers that are generally requested for four-wheeler insurance claim resolution:

• Claim Application form duly completed

• Identity and Address Proofs

• Registration Certificate and Original Keys

• File an FIR (First Information Report) in the event of an accident

• File a Non-Traceable Report from the police if your car is stolen

• The relevant party must provide legal notice in the event of third-party liabilities

• Insurance policy papers and driving licence

• Personal information - proof of identification and address

• Hospital bills in the event of a personal accident claim

• Garage-related repair expenses (for reimbursement claims)

• The original estimate for the repairs, invoice and payment receipt provided at a network garage

• Any other documentation necessary for claim resolution

Do not be concerned about getting your car fixed! Find the nearest authorised garage in our vast network. You may get first-rate services and rapid cashless repairs. And in case of accidents, you can also utilise the funds for your hospitalisation and medical expenses.

Tata AIG offers cashless car repair services at numerous sites in Hyderabad.

Click here to find our network garages specific to your car 'Make' for Tata AIG car insurance Hyderabad.

How do cashless claims work?

First things first, you will register for the cashless claims with us. Then, it is time to find the closest garage and take your car.

Once you reach the location, a survey will be done to investigate the damages. After the assessment, we will confirm the approved amount.

And that's it all! Upon completion, we will pay the garage directly, and you can take your car. But, do remember, uncovered expenses will be your responsibility.

Cashless repairs are only available under comprehensive plans, and certain services are available only in select cities. You can get your queries cleared with Tata AIG customer service before moving forward with any purchases.