Car Insurance in Jaipur

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Car Insurance in Jaipur

Jaipur, or the 'Pink City of India,’ is a popular tourist destination. It is the tenth most inhabited city in the country and is famous for many heritage sights, such as Hawa Mahal, Amer Fort, Jantar Mantar, and Jal Mahal.

However, with the constant tourist flow and increasing population in the city, driving on the roads in Jaipur requires caution and complete compliance with the law. Many stringent traffic laws are imposed in the city to protect the locals and vehicles from accidents or other fatalities.

The possession of the right car insurance is one such law that is mandatory in Jaipur. Here is all you need to know about the role of car insurance in Jaipur and how you can make the most of it.

Why Do You Need a Car Insurance Policy in Jaipur

  • Poor Road Conditions - One of the primary reasons why you need a valid car insurance policy in Jaipur is to protect your vehicle while navigating through the poor road conditions in the city.

    Often, due to changing weather conditions or natural calamities, road conditions and safety go for a toss. This can lead to unexpected accidents and other casualties that can cause severe damage to you and your car. A car insurance policy extends ample financial support to ensure your out-of-pocket expenses are balanced during emergencies.

  • Increased Vehicles on the Road - With the constant tourist flow in the city all year round, the city has experienced a significant rise in the number of vehicles on the road. This has led to a rise in traffic congestion, which in turn has impacted road conditions and safety.

    Moreover, driving a car through traffic can lead to an unsatisfactory driving experience and impact the car’s overall functioning and performance. This can lead to engine breakdown, accidents, etc., requiring extensive and expensive repairs.

  • Poor Driving - Even with the numerous traffic rules and regulations imposed in Jaipur, people drive carelessly and often participate in speeding and other irrational driving habits. This issue of careless driving of one person or vehicle can lead to severe damage to your car, attracting heavy expenses for repair if you do not have valid four-wheeler insurance.

  • Strict Traffic Rules and Regulations - Other than personal and vehicle safety, having a valid car insurance policy in Jaipur is mandatory to drive. As a responsible citizen, to obtain permission to drive on the roads of Jaipur, you must have car insurance.

    If you are found without one, you will be required to pay significant fines and can face additional law-related consequences.

Key Features and Benefits of Tata AIG’s Car Insurance in Jaipur

Key Features and Benefits  Details
Coverage Tata AIG car insurance policies provide third-party liability coverage along with its own damage cover for increased protection. It ensures complete coverage for all possible situations.
Riders When you pick Tata AIG car insurance in Jaipur, you get the ability to include additional riders to improve the coverage and fix your plan accordingly.
Personal Accident Coverage Tata AIG motor insurance plans offer personal accident cover for the owner or driver of the car. In the event of injuries suffered from an accident, the plan will provide monetary support for treating your treatment expenses.
Covers different types of loss and damage The motor insurance plans cover loss or damage caused by natural calamity, riots, thefts, accidents, fire, terrorist activities, etc.
Vast network of garages Tata AIG has over 7500 network garages spread across the country. Hence, you can be at peace in the event your car gets damaged as you'll find a garage near you for all repair types in Jaipur.
Claim settlement ratio With a claim settlement ratio of 98%, Tata AIG offers a high probability of settling claims successfully. They ensure quick settlements and reduce the probability of rejection.
Online claims You can provide your claim online by filling up the claim form. The entire process is hassle-free and simple. You can get in touch with customer care as well if you have any issues.
Support the customers Tata AIG has a huge network of 650 claim- professionals. Hence, if you file a claim, you can expect excellent customer service and quick claim settlements.

Types of Tata AIG Car Insurance in Jaipur

To protect your car with the best car insurance in Jaipur from Tata AIG, you should know the different types of policies available in your city.

Third-Party Car Insurance

With Tata AIG, you can choose third-party insurance cover, which will protect you against any financial burden in case your vehicle causes any loss, damage, or injury to any third party and their property. It is important to note that third-party car insurance is mandatory to drive in Jaipur.

Own Damage Car Insurance

With Tata AIG’s standalone own damage policy, you can enjoy coverage for damages incurred by your car while driving around in Jaipur. The scope of coverage includes cover for damages caused by natural or man-made disasters, theft, etc.

Comprehensive Car Insurance

Tata AIG provides a comprehensive car insurance plan that covers its own damage along with third-party liabilities. It is an optimal way to protect your vehicle from theft or any damage. Additionally, you can combine a range of add-ons with this policy for added car protection.

Let us compare all these policies below with a deeper insight into their benefits, limitations, and use cases.

Policy Type Benefits Limitations Ideal For
Third-Party Car Insurance Affordable plans and ensure compliance with the law. The insured vehicle is not covered in this plan. Drivers who own low-value cars or cars that are used on rare occasions.
Own-Damage Car Insurance Extensive protection for all damages and losses incurred by your car, with the availability of add-ons. Applicable for cars purchased after September 2018 and does not provide any third-party coverage. Drivers who reside or commute to accident-prone areas frequently. 
Comprehensive Car Insurance Extensive and customisable car insurance, inclusive of third-party and own damage coverage. It also offers a range of add-ons to choose from. Given the customisation flexibility and increased coverage, these plans are expensive and require extensive documentation and claim procedures.  For any driver looking to benefit from extensive and customisable coverage for their car, including third-party and own-damage. 

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

" " " " " "
Key Differentiating Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage  Limited to all damages and losses incurred by a third party or their property. Extends coverage for all damages and losses incurred by third parties and the insured car.
Legal Requirement According to the Motor Vehicles Act 1988, third-party insurance is compulsory. There are no legal obligations attached to comprehensive insurance. 
Customisation Flexibility No add-ons available. Over 12 different add-ons are available to increase the scope of coverage for your insurance. 
Premiums  Low premiums as limited coverage. Higher premiums as increased customisation flexibility and coverage.
Inclusions Only damages and loss incurred by a third party or their property due to the insured vehicle.Coverage for damages and loss incurred by third parties and insured vehicle, including - Personal accident cover for ₹15 lakhs  Accidents  Loss or damage due to man-made or natural disasters  Theft Explosions  Lightning, etc.
Exclusions Drinking and driving  Racing  Using a personal car for commercial work Driving without valid mandatory documents  Accidents reported outside permitted geographical areasDamages incurred by the insured and third party under the following conditions - Drinking and driving  General wear and tear to the insured vehicle Speed racing  Using a car for commercial work Driving without valid mandatory documents  Accidents reported outside permitted geographical areas

What is the Car Insurance Rate in Jaipur?

To find the best car insurance in Jaipur, you must know how to determine the cost of your car insurance. You can do this online on our website using the car insurance premium calculator.

However, you need to understand the various factors that impact the car insurance premium. To help with the same, look at some of the key factors below.

  • Location - Based on your geographical location, the premium cost for car insurance can vary. For instance, rural areas will have lower premiums in comparison to urban cities like Jaipur as the risk of accidents is higher.

  • Car Model and Type - Your choice of car type and model also impacts the insurance premium. Additionally, based on the price of a car, the expenses of repairs and damage correction vary, meaning expensive cars might attract higher premiums.

  • Insured Declared Value (IDV) - The insured declared value of your car is the current market value of the insured vehicle and the value you will receive against the same in case of damage beyond repair or theft. The premium calculations are thus significantly impacted by the IDV. If the IDV is high, the premium is high as well.

  • Add-ons - Depending on the number of add-ons you can combine with your car insurance policy in Jaipur, the premium value changes. With every add-on, the premium value increases.

  • Car’s Cubic Capacity - When you plan to buy third-party insurance, the premium is determined by the IRDAI based on your car’s cubic capacity. The higher the capacity, the higher the premium rates.

  • Voluntary Deductibles - With most insurance plans, you get the option of voluntary deductible. This allows you to pay a percentage of the repair expense when filing a claim. Given that you share the financial burden, when you opt for voluntary deductibles, the premium value reduces.

Best Car Insurance Add-Ons to Get in Jaipur

  • Engine Protection cover

  • Roadside Assistance

  • Emergency Transport

  • Tyre cover

  • Key Replacement cover

  • Hotel expenses cover

  • No Claim Bonus Protection cover

  • Cover for plastic and rubber parts

  • Zero Depreciation cover

  • Return to Invoice cover

w to Buy and Perform Car Insurance Renewals in Jaipur with Tata AIG

How to Buy Tata AIG Car Insurance?

  • Go to the official Tata AIG website for car insurance.

  • Enter your car registration number.

  • Click on the “Get Price” option.

  • Enter all the required car and personal details on the next screen to proceed.

  • Once done, select the car insurance policy and select any add-ons you require.

  • A premium quote based on your selections will appear on the screen. If you are satisfied with the premium, make the required payment to buy car insurance online, and you will receive your car insurance policy via email.

Steps for Tata AIG Car Insurance Renewal in Jaipur

  • Visit Tata AIG’s official website.

  • Enter your car registration number in the space provided.

  • Click on “Renew” to proceed.

  • Review the policy terms and conditions, add or remove any add-ons, and click on “Continue” once done.

  • A revised premium quote based on your selection in the previous step will appear on the screen. If it is good to go, make the payment against the same to renew your car policy. The renewed policy will be shared with you shortly after.

How to File a Claim for Car Insurance in Jaipur?

With Tata AIG, the process to submit a claim is very straightforward. You can opt for either a cashless claim settlement or a reimbursement claim. Both these options are available online for added convenience.

Reimbursement Claims

When you choose reimbursement claims, you will be required to have your car’s repairs completed at a garage near you. You need to take care of all the expenses for repairs from our personal finances.

Once done, you need to submit all the repair work receipts to us and upon evaluation, we will reimburse the maximum sum insured as per your policy terms and conditions. We might request additional documentation related to the accident or identity to verify the claim.

Cashless Claims

When you choose a cashless claim process with us, we take care of the payment of repair on our won. You will be asked to take your car to one of the network garages authorised by us to begin.

Once you reach the garage, you will be required to complete a quick survey, and we will conduct an evaluation before releasing the amount for a cashless claim against the required repairs.

However, please note that we will only cover the amount of repairs permitted in your policy document. For any additional expense that is not covered under our cashless claim, you will have to make the payments.

Documents Needed for Car Insurance Claims in Jaipur

  • Duly filled claim form

  • First Information Report (FIR) in case of an accident

  • No Trace Report from the police if your vehicle is stolen

  • Legal Notice of the concerned party in case of third-party liabilities

  • Policy documents

  • Personal details - identification and address proof

  • Hospital bills in case of personal accident claim

  • Repair bills from the garage (in case of reimbursement claims)

  • Any other documents required for a specific claim settlement

Tata AIG Cashless Network Garages for Car Insurance in Jaipur

Cashless network garages are the Tata AIG authorised garages that provide all vehicle repair and maintenance services across the country, and the expenses for the same are covered directly by us.

There are over 7500+ network garages in the country, and when you opt for a cashless claim with your car insurance policy, you just need to visit one of them near you to get quality service.

To locate cashless claim car insurance near me in Jaipur, you can visit our website, put your city as Jaipur, and enter your make details to find the closest one.

Please note that certain repair services are limited to a comprehensive car insurance policy only. Moreover, based on your geographical location, some services might not be available. Therefore, always check your policy before purchasing and ask about the required services before visiting the garage to save time.

Disclaimer / TnC

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

What is the cost of car insurance in India?

What is the cost of car insurance in India?


The cost of car insurance in India will depend on the plan you choose and several other factors, such as the Insured Declared Value (IDV). If you're looking to find the cost of car insurance, you can rely on the Tata AIG car insurance calculator. The calculator will provide you with the premium quotes on the insurance plan you have selected.

Which insurance is mandatory for a car in India?


When you're a car owner in India, it is a legal compulsion to have a third-party insurance coverage plan as per the Motor Vehicles Act. This will ensure financial coverage if the policyholder's car has caused some damage to a third party.

How can I check my car insurance details?


Simply navigate to our Self-Service Page to check the details of your existing Tata AIG motor insurance policy. You can also visit the website of the Insurance Information Bureau (IIB) to check the status of any car insurance policy.

Can I renew my expired car insurance?


Yes, you can renew lapsed car insurance. You get a grace period of 30 days to renew an expired car insurance policy without losing the insurance benefits at Tata AIG Motor Insurance. You can also renew the expired policy of other insurance providers with Tata AIG.