Buy/Renew Car Insurance In Hyderabad

Whether you're buying a new policy or renewing your existing one, these key features show why TATA AIG’s car insurance is a reliable and convenient choice for drivers in Hyderabad.

Choosing the right car insurancedepends on how often you drive, your car’s value, and what kind of protection you need. At TATA AIG, you can choose from three main types of car insurance policies, each designed to match different needs.

• Comprehensive Car Insurance gives you full coverage. It protects your car from accidents, theft, fire, and natural disasters. It also covers damage or injury caused to other people or vehicles. This plan is best for complete peace of mind.

• Own Damage Car Insurance covers damage to your car only. It includes accidents, theft, fire, and natural events, but it won’t cover third-party claims. You’ll need a separate third-party policy to stay legally covered.

• Third-Party Car Insurance is required under the Motor Vehicle Act of 1988. It protects you from financial loss if your car causes damage to someone else’s vehicle or injures them. However, it does not cover your own car.

With TATA AIG, you can also choose add-ons like Zero Depreciation, Engine Protection, Roadside Assistance and more. Your premium depends on your car’s model, value, and location—so you get coverage that fits just right.

If you're planning to buy car insurance in Hyderabad, it's important to understand the difference between third-party and comprehensive plans. Both are available with TATA AIG, and each serves a different purpose. One helps you follow the law, while the other offers wider protection for your vehicle and peace of mind.

Here’s a simple comparison to help you decide:

Several things can change how much you pay for car insurance in Hyderabad. These include your car’s condition, the policy you choose, and even how you buy it. Let’s look at them one by one:

• Insured Declared Value (IDV): This is the current market value of your car after depreciation. A higher IDV means a higher premium because the insurer is covering a bigger amount in case of total loss or theft.

• Age of the Car: Insurance for a brand-new car usually costs more. As the car gets older, its value drops, and so does the premium.

• Type of Policy: A third-party insurance policy is the most affordable because it offers basic legal protection. A comprehensive policy includes more coverage and costs more. Standalone own damage insurance offers protection for your car only and is available if you already have third-party coverage.

• Add-ons Chosen: Extra covers like Zero Depreciation or Roadside Assistance offer better protection but increase your total premium.

• Engine Size: Cars with higher engine capacity usually come with higher premiums.

• Voluntary Deductibles: If you agree to pay a bigger share during a claim, your premium goes down. But you’ll pay more out of pocket when you file a claim.

• Claim History: If you haven’t raised any claims, you may receive a No Claim Bonus, which reduces your renewal cost.

• Online Purchase: Buying car insurance online helps you compare prices and plans, often leading to lower premiums.

• Other Details: Your car’s make, model, where it’s registered, and even security features can affect your premium.

When you buy car insurance in Hyderabad, the base policy covers damage to your car and third-party liabilities. But what if your engine fails during a flood? Or your car keys are lost? That’s where add-ons come in. Add-ons are optional benefits that you can include in your policy to get extra protection. With TATA AIG, you can choose from 20 add-ons to customise your plan and make it more useful in real-life situations.

Here’s a beginner-friendly explanation of each add-on cover:

• No Claim Bonus (NCB) Protection

  Keep your renewal discount safe even if you make one claim during the year.

• Depreciation Reimbursement (Zero Depreciation)

  Ensures you get the full repair cost of car parts without any deductions for ageing.

• Return to Invoice

  If your car is stolen or completely damaged, this helps you recover the full purchase price—not just the current market value.

• Engine Secure

  Covers engine damage caused by water entry (like during heavy rains) or oil leaks—expenses not usually covered in standard plans.

• Repair of Glass, Fibre, Plastic & Rubber Parts

  Pays for minor repairs of non-metal parts like bumpers or lights, which are often excluded from regular policies.

• Key Replacement

  Helps you pay for new keys and lock changes if your car keys are lost or stolen.

• Tyre Secure

  Covers tyre damage due to accidents—not normal wear and tear.

• Loss of Personal Belongings

  Reimburses you if items like wallets or phones are lost from your locked car during an accident.

• Additional Towing Charges

  Pays extra towing costs if your car needs to be taken to a garage after a breakdown or accident.

• Consumables Cover

  Covers small repair materials like engine oil, nuts, and bolts used during repairs.

• Misfuelling Cover

  If wrong fuel is added to your car by mistake, this pays for cleaning and repair costs.

• Daily Allowance Plus

  Gives you daily money or a backup car if your car is in the garage for multiple days.

• Roadside Assistance

  Sends help if your car breaks down—includes towing, battery jump-start, flat tyre change, and fuel delivery.

• Emergency Transport & Hotel Stay

  Reimburses taxi and hotel costs if you get stranded far from home after an accident.

• Emergency Medical Expenses

  Pays hospital bills for injuries to you or your passengers due to an accident.

• Electric Surge Secure (For EVs)

  Covers short circuits or battery issues in electric cars—especially useful during monsoons or charging errors.

• Vehicle Loan Protector

  Pay your car loan if you suffer a fatal accident or permanent disability.

• Reinstate Cover

  Covers minor damage that wasn’t reported immediately but is claimed later, along with a major repair.

• Battery Depreciation Cover

  Reimburses the full battery replacement cost without applying depreciation.

• Extra Third-Party Property Damage

  Gives added financial protection if your car damages someone else’s property and the cost is more than the standard limit.

When choosing car insurance in Hyderabad, it is important to understand exactly what your policy covers and what it does not. This helps you avoid surprises during a claim and ensures that you select a plan that suits your needs.

What is Covered

Accidental Damages

If your car is damaged in a road accident, the repair costs are covered under comprehensive car insurance or a stand-alone own damage policy from TATA AIG.

Theft

In case your vehicle is stolen, you will be paid up to the Insured Declared Value (IDV), provided theft coverage is part of your policy.

Natural Disasters

Damages caused by floods, cyclones, earthquakes, and other natural events are covered under comprehensive or own damage insurance.

Man-Made Incidents

Your policy includes protection against damage caused by riots, fire, strikes, vandalism, and terrorism.

Transit Damage

If your car is damaged while being transported by road, rail, air, or water, the cost of repairs is covered under comprehensive or own damage coverage.

Third-Party Liability

As required under the Motor Vehicles Act, 1988, your insurance covers damage or injury caused to a third party, including their vehicle or property.

Personal Accident Cover

TATA AIG offers personal accident coverage up to ₹15 lakhs for the owner-driver in case of injury or death due to an accident.

Add-on Benefits

You can include additional covers such as Roadside Assistance, Engine Secure, and Zero Depreciation to expand your coverage.

What is Not Covered

• If you drive without a valid driving licence, your claim will not be accepted.

• If you are under the influence of alcohol or drugs at the time of the accident, the damage will not be covered.

• Damage caused while using a private vehicle for business or commercial purposes is not included in the policy.

• Participation in racing, speed testing, or illegal driving activity is not covered.

• General wear and tear, along with mechanical or electrical breakdowns, are excluded unless linked to an accident.

• Damage that occurs outside the geographical limits mentioned in the policy will not be covered.

• If you have not purchased a specific add-on, claims related to that benefit will not be accepted.

• Losses resulting from war, war-like situations, or nuclear risks are not included under standard policies.

• To choose the best car insurance in Hyderabad, make sure you understand these inclusions and exclusions clearly. Always read the policy wording carefully or speak with a TATA AIG representative for complete information before making a purchase.

Whether you are buying car insurance for a brand-new vehicle or renewing an existing policy, TATA AIG makes the process simple and quick. You can complete everything online from the comfort of your home.

How to Buy New Car Insurance Online

If you are buying a new car and need insurance, follow these steps to get covered with TATA AIG:

• Visit the official TATA AIG website and click on the ‘Brand New Car – Get Quote’ button.

• Enter your car details including make, model, fuel type, variant, and registration city. If your car has not been delivered yet, also enter the expected delivery date.

• Provide your contact details such as mobile number, PIN code, and RTO location.

• Select the type of policy you want—third-party, own damage, or comprehensive car insurance in Hyderabad—and choose relevant add-ons.

• Fill in personal details like your name, date of birth, address, and email ID. Complete the CKYC process if required.

• If you opt for Personal Accident Cover, enter your engine number, chassis number, nominee details, and hypothecation (if any).

• Make the payment using your preferred method. Once the payment is successful, your policy will be issued immediately.

• You will receive the policy document in your email, or you can download it directly from the confirmation screen.

How to Renew Your Car Insurance Policy Online

Renewing your car insurance in Hyderabad with TATA AIG is just as easy:

• Go to the TATA AIG website and click on the ‘Car Insurance Renewal’ section.

• Enter your existing policy number, vehicle registration number, or mobile number.

• Review the updated renewal quote based on your car’s current value, claim history, and No Claim Bonus (NCB) eligibility.

• Choose the coverage and add-ons you want to include in your renewal.

• Double-check your personal and policy details to ensure everything is accurate.

• Proceed to make the payment. If your previous policy has expired, your vehicle may need inspection before renewal.

• Once the payment is confirmed, download your renewed car insurance policy. Make a note of the next renewal date to avoid any break in coverage.

With TATA AIG, both buying and renewing car insurance is straightforward, fast, and fully online—ensuring your car stays protected on the roads of Hyderabad.

If your car meets with an accident or gets damaged, you can file a claim with Tata AIG to cover the repair costs. The process is simple and can be done online. Follow these clear steps:

Step 1: Register the Claim

Visit the official Tata AIG website and go to the claims section. Fill in the claim form with your policy number, name, phone number, address, driver’s licence details, and information about the accident. Mention if anyone else was involved or if a third-party property was damaged. Once the form is complete, click ‘Submit.’

Step 2: Receive the Claim Number

After you submit your claim, you will receive a Claim Registration Number. This number is important, so keep it safe. You will need it for any updates or questions related to your claim.

Step 3: Damage Inspection

A Tata AIG surveyor will visit and check the damage to your car. They will inspect the car and prepare a report that helps decide how much of the repair cost will be covered.

Step 4: Take the Car to a Garage

You can take your car to a nearby Tata AIG network garage for a cashless claim. If you prefer another garage, you can go there too—but you will have to pay first and later apply for reimbursement.

Step 5: Repair the Car

Let the garage carry out the necessary repairs. Make sure the work is done according to the surveyor’s report.

Step 6: Claim Settlement

After the repairs are complete, Tata AIG will check your documents and approve the claim.

If you use a network garage, Tata AIG will pay the garage directly.

If you use a non-network garage, the approved amount will be paid back to you.

You can also check your claim status online anytime using the Tata AIG portal.

When filing a car insurance claim with Tata AIG in Hyderabad, it’s important to keep all the necessary documents ready. These documents help the company assess your claim faster and accurately. The list below covers the most commonly required paperwork.

However, based on your situation—whether it’s an accident, theft, or third-party loss—you might be asked for additional documents. In such cases, contacting Tata AIG’s customer service can help you get the right guidance.

• A duly filled and signed claim form by the person insured.

• A copy of the First Information Report (FIR) if the claim involves theft or third-party damage.

• A copy of your car’s Registration Certificate (RC) to prove ownership.

• A copy of the driver’s licence of the person who was driving at the time of the event.

• A copy of your Tata AIG policy documents to confirm that the coverage is valid.

• Photographs of the accident, if you are filing a reimbursement claim.

• Original repair bills and receipts, which are also needed for reimbursement claims.

• A No Trace Report from the police in case your car has been stolen.

• Medical or hospital documents if you are filing a personal accident claim.

• RTO transfer forms, such as Form 29 and Form 30, are required if the car is second-hand or being transferred to a new owner. Form 28 is needed if a No Objection Certificate (NOC) is involved.

• NOC and Form 35 if your car is under loan or financing through a lender.

Having these documents ready and in order will make the claims process easier and quicker.

Looking for the best car insurance in Hyderabad? Follow these steps to make an informed online purchase:

Decide on the Type of Insurance

If you drive a new or high-value car, a comprehensive car insurance policy gives full coverage. For older vehicles, a third-party car insurance plan may be sufficient, as required by the Motor Vehicles Act, 1988.

Compare Policies Online

Use trusted insurer websites to compare plans. Enter your vehicle details and location to view quotes. Premiums vary based on IDV, fuel type, and registration city.

Choose Relevant Add-ons

Enhance your policy with add-ons like zero depreciation car insurance, engine secure, or roadside assistance based on your needs and the insurer’s terms.

Look for Online Discounts

You may qualify for lower premiums through No Claim Bonus (NCB) or online exclusive discounts, especially during car insurance renewal.

Check Network Garages and Claims Process

Select insurers like TATA AIG that have wide garage networks and simplified claim procedures, both for cashless and reimbursement options.

Buy Your Policy Online

After reviewing all details, purchase the car insurance online for convenience. Keep a copy of the policy and receipt for future reference.

When you choose Tata AIG car insurance in Hyderabad, you get access to over 5900 authorised cashless garages across the country. This wide network makes it easier to get your car repaired without paying upfront. The process is simple. Once your claim is approved, the garage begins repairs, and we settle the bill directly with them.

This service is available with comprehensive car insurance plans. It saves you from the hassle of arranging funds or worrying about finding a trusted repair shop. The quality of work, genuine parts, and timely delivery ensure your car is well taken care of.
Before you book your repair, it is a good idea to check if the garage is part of our network and confirm which services are available. With Tata AIG, you can feel confident that help is always close by.