Car Insurance in Jalandhar

• According to a study on road accidents on the NH-1, poor driver behaviour is the leading cause of accidents. The leading cause is overspeeding, followed by loss of control, manufacturing defects, road defects and drunken driving.
• Another study has found various accident-prone blackspots around Jalandhar. Most accidents have happened in the stretches around Jalandhar Bus Stand, PAP (Punjab Armed Police) Chowk, Rama Mandi, Dahoka Fatak and Paragpur Village.
• The leading causes of accidents in blackspots include a lack of traffic signals at junctions, unauthorised on-road parking, construction materials piled on roads and shop and school traffic.
• Traffic congestion and jams have been reported in certain areas, such as Nakodar Chowk, Mai Hiran Gate, Adda Hoshiarpur railway crossing, Balmiki Gate, and Tanda crossing. Motorists face a high risk of minor collisions and road rage incidents in these places.

Protection Against Accidents

The risk of road accidents is high in a rapidly growing city like Jalandhar, where road infrastructure has not kept pace with the city’s development. While you cannot eliminate the risk of accidents, you can stay protected by covering the cost of repairs and car parts with car insurance in Jalandhar.

Covers a Variety of Risks

Car insurance plans cover more than just accidents. They also cover the cost of buying parts and full replacement for theft and total irrecoverable losses. Depending on your chosen plan, it may cover damage from natural disasters like floods, earthquakes and hurricanes as well as manmade damage from arson, vandalism and terrorist acts.

Mandatory Legal Requirement

Section 146 of the Motor Vehicles Act, 1988, requires every vehicle to have valid third-party insurance to legally drive on Indian public roads. If you are caught driving without valid insurance by Jalandhar’s traffic authorities, you can face fines from ₹2000 to ₹4000, imprisonment or both. To avoid trouble, ensure you have valid insurance documents.

Stress Free Driving in Jalandhar

When your car is involved in an accident or damaged by floods or cyclones, the costs can be substantial. The cost of repairing major components can cost tens of thousands, while replacements can cost in lakhs. A simple four-wheeler insurance eliminates the risk of losing your personal transportation, letting you enjoy stress-free driving.

Safety from Third Party Liability

If you cause accidents to others, i.e., third parties, you can end up in expensive legal battles and unfavourable judgments with exorbitant costs. Third-party car insurance Jalandhar covers damage to another vehicle and property, as well as third-party injuries and death. This protects your finances from expensive settlements.

Third-Party Car Insurance

This is the basic and legally mandatory car insurance policy. TATA AIG’s Third-Party Plan covers the expenses arising from damaging a third-party person or property with your insured car. This plan covers property damage up to ₹7.5 lakhs, all legal liability, court fees, and representative fees. It is ideal for individuals with low-risk profiles owning low-value vehicles that aren’t used frequently.

View Third-Party Car Insurance Plans

Standalone Own Damage Car Insurance

It covers damages and losses incurred to your insured car from accidents, theft, natural calamities and other kinds of risk factors. TATA AIG’s Own Damage Plan provides dedicated and customisable coverage with various add-on covers, competitive premium rates and attractive discounts. OD plans are ideal for car owners in Jalandhar who already have a third-party car insurance plan to get all-around protection.

View Own-Damage Car Insurance Plans

Comprehensive Car Insurance

TATA AIG’s Comprehensive Car Insurance Plan is considered the best car insurance in Jalandhar for individuals seeking complete and extensive coverage against third-party liabilities and damages to their insured cars. It provides broad coverage against accidents, fire, theft, natural calamities and manmade disasters and personalisation options with 20+ add-ons. It also offers a personal accident cover of ₹15 lakhs.

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Car Insurance in Jalandhar Inclusions

• Accidents: Loss or damage from various accidents
• Natural Disasters: Covers damage arising out of cyclones, typhoons, floods, earthquakes, landslides and other natural events
• Manmade Disasters: Covers damage due to riots, strikes, vandalism, fire-related incidents and acts of terrorism
• Theft: Reimbursement up to the Insured Declared Value if your car is stolen
• Personal Accident Cover: Fixed compensation up to ₹15 lakhs for the owner-driver’s death or permanent disability
• Transit: Covers damages when transporting the insured car via air, road, rail or inland waterways
• Third-Party Liability: Covers Injuries, death and property damage of third parties

Car Insurance in Jalandhar Exclusions

• Drunk Driving: Excludes damage incurred when driving under the influence of alcohol, drugs or other substances
• Driving Without a Licence: Damages incurred when driving without a valid driver’s licence
• Reckless Activities: Excludes damages from speed racing, crash testing and other reckless activities
• Wear and Tear: Regular wear and tear, depreciation and general maintenance costs

Disclaimer: The above inclusions and exclusions are not exhaustive and subject to terms and conditions. Read the Policy Wording document carefully to know more.

1. Zero Depreciation: The Zero Depreciation Add-On covers the full cost of car parts replaced during repairs without deductions due to their depreciation. This helps you avoid large out-of-pocket expenses.

2. No Claim Bonus Protection: The NCB Protection Cover protects your accumulated No Claim Bonus from a single own damage claim during the policy tenure. This lets you make a claim and retain your bonuses.

3. Key Replacement: The [Key Replacement Cover]lhttps://www.tataaig.com/knowledge-center/car-insurance/what-is-kp-in-car-insurance) pays for replacement keys, new locks and labour charges for replacing locks. This is useful if your car keys are lost or stolen, or your car is broken into.

4. Engine Secure: The Engine Secure Add-On covers the repair and replacement expenses of engine internal parts, gearbox and transmission. This cover is applicable only when the damage is due to water ingress or oil leakage in the engine.

5. Tyre Secure: This add-on covers repairs and replacement of car tyres and tubes due to accidental damage or loss. The Tyre Secure covers up to four replacements during the policy term, but excludes normal wear and tear.

6. Repair of Glass, Fibre, Rubber & Plastic Parts: This add-on covers the cost of windows, bumpers, and other minor parts during repairs at an authorised garage. When filed individually, a single claim doesn’t spend your No Claim Bonus.

7. Roadside Assistance: The Roadside Assistance Add-On lets you get 24/7 assistance for sudden car breakdowns. It covers on-the-spot repairs, flat tyre repair, battery jumpstarts, emergency fuel delivery and towing services, among others.

8. Daily Allowance Plus: The Daily Allowance Plus provides a fixed daily cash allowance or a courtesy/hire car when your vehicle is being repaired or lost. The benefit lasts for up to the specified period or 15 days for theft and total loss.

9. Return to Invoice: The Return to Invoice Add-On lets you get the full invoice value of your car reimbursed during replacement for theft or total loss. It covers the cost of accessories, bi-fuel kits, road taxes, registration fees and insurance premiums.

10. Emergency Transport and Hotel Expenses: If your car becomes unusable due to an accident, this add-on compensates the cost of an overnight hotel stay and taxi charges to the nearest city or your residence.

11. Loss of Personal Belongings: This add-on covers the cost of clothes and other personal belongings damaged or lost due to an accident. Note that valuables such as cash, jewellery, and credit cards are not covered.

12. Consumable Expenses: The cost of many small items can add up to an expensive amount. The Consumable Expense Add-on pays for consumables like nuts, bolts, oil filters, engine oil and lubricants during valid claims.

13. Misfuelling Cover: The Misfuelling Cover reimburses the cost of draining, cleaning and repairing the fuel system in the event of accidentally filling the wrong fuel type. It also covers wrong fuel costs up to ₹2,000 annually for one claim.

14. Emergency Medical Expenses: The Emergency Medical Expenses Add-On covers sudden hospital bills, ambulance charges and supporting items, such as wheelchairs and artificial limbs. It covers both the driver and the co-passengers.

15. Additional Towing Charges: The Towing Charges Add-On covers towing expenses that are not covered by the base plan and other add-ons. It covers the additional expense required to tow your damaged vehicle to the nearest garage.

16. Electric Surge Secure: This is a special add-on designed for electric vehicles. It covers the partial or full cost of an EV, including battery and charging equipment, from damage due to electrical issues like arcing and self-heating.

17. Vehicle Loan Protector: This add-on covers the cost of outstanding vehicle loans in the case of the owner-driver’s death or permanent disability from an accident. This ensures the financial protection of your loved ones.

18. Additional Third-Party Property Damage: When your standard third-party cover is maxed out, this add-on covers the extra costs. This ensures that you don’t have to pay third-party liabilities out of your own pocket.

19. Reinstate Cover: This add-on covers minor damage to your car’s exterior panels when it’s claimed alongside repairs for a larger valid claim.

20. Depreciation Allowance- Battery Cover: This add-on reimburses the full cost of replacing batteries damaged due to an accident without making any deductions for depreciation. It’s useful for electric vehicles, where battery costs are very high.

Access to Large Garage Network

When you buy the best car insurance Jalandhar from TATA AIG, you gain access to an extensive network of garages, where you can get repairs without paying any cash. We have a network of 5700+ cashless garages across India, including many top-rated garages in Jalandhar and other cities in Punjab.

Attractive Discounts

At TATA AIG, we offer attractive discounts on all our car insurance plans. You can get an online discount of up to 85% for both new and old vehicles. You can also get premium discounts via the No Claim Bonus, which increases with every claim-free year up to 50%. These bonuses can stack up to a large amount.

Personal Accident Cover

Along with third-party and own damage coverage, our four-wheeler insurance plans provide a mandatory personal accident cover up to ₹15 lakhs. This provides a fixed compensation upon the death or permanent disability of the owner-driver, ensuring financial security for loved ones. Passengers can also be included as an add-on.

Quick and Hassle-free Process

When you opt for our online car insurance Jalandhar, you are assured of a quick and seamless online process for purchases, renewals and claim settlements. All of our processes are digital and require minimal documentation. You can also compare different car insurance plans, customise add-ons and view the cost structure on our website or mobile app.

Helpful Customer Service

Our 24x7 customer service lets you get round-the-clock assistance with everything from queries and complaints to claims and emergency services. We maintain a dedicated team of 750+ well-trained claim settlement specialists to ensure stress-free settlements. Get in touch via our customer helpline (022-6489-8282) or email (customersupport@tataaig.com) at any time.

Step 1: At the top of this page, enter your car’s registration number and click on 'Get Price'.

Step 2: On the next page, enter the required personal and car details as prompted by the screen.

Step 3: Choose the type of car insurance policy and the add-ons required.

Step 4: Based on your input, we will provide an instant premium quote. If you are satisfied with the cost, you can pay the applicable amount and buy a New Car Insurance Policy from TATA AIG.

Buy Car Insurance

• Lowers Your Financial Risks: Driving around with a car without active insurance exposes you to substantial financial risk of accidents and third-party liabilities.
• Retains Your No Claim Bonus: A timely renewal not only retains your previous bonuses and discounts but also increases your NCB up to the specified limit.
• Avoid Vehicle Inspection: Renewing your policy on time lets you avoid the costs and hassles of vehicle inspection, which can increase your premiums.
• Online Discounts: A timely car insurance renewal Jalandhar lets you get attractive bonuses for online renewals.
• Legal Compliance: Since third-party car insurance is mandatory, having an active policy lets you avoid falling into trouble with Jalandhar’s traffic authorities.

Step 1: Scroll to the top of the page and select ‘Renewal’ > ‘Car’.

Step 2: Enter your car's registration number or existing policy number and click on 'Renew'.

Step 3: Select the coverage amount and add-ons if you want to include any.

Step 4: We will provide an instant premium quote for your car insurance renewal Jalandhar based on your input.

Step 5: If you are satisfied with the cost, you can pay the applicable amount and renew the car insurance policy online.

Cashless Claims

In a cashless claim, your insurer takes responsibility for everything, so you can relax and let them handle it all. You will just have to inform and register with us for the cashless claim and take your car to any of our network garages.

Step 1: Register your claim on the TATA AIG online claims portal.

Step 2: Fill out the online claims form with details, such as your policy number, driving licence and contact details.

Step 3: Complete the self-inspection process by uploading photos and videos of the damaged vehicle at the link sent to your phone. Then, wait for the surveyor’s visit.

Step 4: After getting the repair estimate from the surveyor, take your vehicle to a TATA AIG network garage in Jalandhar. Wait for the repairs and pay for the costs not covered by your Jalandhar car insurance policy.

Reimbursement Claims

In a reimbursement claim, you will have the flexibility to take the necessary steps yourself, from taking your car to the garage to paying for the expenses. Upon completion of the repair, you can submit the receipts to us, and we will reimburse you for the expenses.

Step 1: After completing the repairs at a non-network garage, collect all important documents, such as repair estimates, invoices and payment receipts.

Step 2: File a reimbursement claim via the TATA AIG website, claims portal or helpline (022 6489 8282). Submit all the necessary documents, including policy documents, driving licence, and repair bills.

Step 3: Wait for TATA AIG’s appointed surveyor to complete the verification and vehicle inspection process.

Step 4: After approval, we will reimburse the costs to your account as per policy terms.

• Duly filled and signed claim form
• Car Registration Certificate
• Copy of driving licence
• Copy of car insurance policy document
• Proof of identity
• Proof of residence
• Photos and videos of the damaged vehicle
• All original keys (if it is a theft or total loss)
• Payment receipts from the garage for reimbursement claims
• FIR or police report for major claims, theft and third-party claims
• RTO cancellation proof (if it is a total loss)
• The concerned party's legal notice (If it is a third-party liability)
• Hospital treatment bills for personal accident claims

The costs of Jalandhar car insurance policies depend primarily on the type of plan and applicable discounts and add-ons. Third-party car insurance plans have premium rates set by the Insurance Regulatory and Development Authority of India (IRDAI), whereas insurers are free to set their own rates for all other types of plans. Here are the cost components:

Premiums for four-wheeler plans depend on a lot of factors, including the make and model of car, condition and age, registration location, Insured Declared Value and driver’s personal profile. You can find accurate estimates of the premium amount for your chosen terms using a car insurance premium calculator. Let’s explore the cost factors:

Insured Declared Value (IDV)

The IDV in car insurance refers to the maximum amount you can get from the insurance company if your car is totally damaged or stolen. It is decided based on the current market price, subtracting the depreciation value.

Age

The condition and age of your vehicle also determine its premium rates. The car insurance premium for a new vehicle is higher compared to that of older vehicles, as its value is also higher.

Type of Car Insurance Policy

The choice of four-wheeler insurance, whether third-party, own damage, or comprehensive car insurance policies, will majorly affect the premium rate. Third-party policies have the lowest costs as they have the most limited coverage, while comprehensive plans are the most expensive.

Engine Capacity

The car insurance premium for a car with a higher cubic capacity will be higher than that of a car with a lower cubic capacity. That’s because luxury and high-performance cars with bigger engines cost more to repair than smaller and cheaper cars.

Deductibles

Deductibles refer to the portion of the claim amount that you have to pay out of your own pocket. The premium will be lower if you choose a higher deductible. Even if your chosen plan doesn’t have a deductible, you can voluntarily choose to pay it for lower costs.

Add-on Covers

Your car insurance premium will also increase based on the type and the number of add-ons included as part of your car insurance policy. Ensure you choose the add-ons wisely to avoid unnecessary costs.

No Claim Bonus

If you have not initiated any car insurance claims in the previous year, you can benefit from a No-Claim Bonus that can significantly reduce your premium. The longer the number of claim-free years, the higher the bonus up to a certain limit.

Other Factors

Other related factors, including make and model, variants, location, modifications and additional security features, can also impact the cost.

Calculate Your Car Insurance Premium Instantly

• Compare Multiple Plans: Before you make any purchase decision, make sure to thoroughly compare car insurance Jalandhar based on costs and benefits.
• Get a Larger Deductible: Opting for a higher deductible lowers the insurer’s risks and lowers your premium costs.
• Avoid Small Claims: Avoid filing claims for minor repairs and damages to retain your No Claim Bonus and other discounts. Leave insurance claims for major damages and replacements.
• Install Security Devices: Install anti-theft devices, such as anti-theft alarms, electronic immobilisers and steering wheel locks approved by the Automobile Research Association of India. This makes you eligible for special discounts.
• Avoid Policy Lapses: Ensure to renew your car insurance in Jalandhar in time to avoid losing your benefits and extra costs for vehicle inspection.

Choose the Right Policy and Coverage

First, you need to choose the right type of plan and coverage limits. Consider multiple factors like your car’s price, make and model, your driving-related risks and financial situation to select the best car insurance Jalandhar.

Determine the Right IDV

The IDV amount decides how much the insurance will pay if your car is damaged or stolen. Choose the amount based on the car’s price, typical repair costs and your finances. A higher value provides better coverage, while a lower value lowers your costs.

Do a Cost-Benefit Analysis

To choose the right policy, compare car insurance plans based on their coverage features, limitations and costs. You can use various online comparison tools and car insurance calculators to analyse the costs versus the benefits.

Policy Terms and Conditions

Before choosing a car insurance plan, ensure to read through the fine print of the policy wording and brochure documents. Read in detail the limits and conditions of the features, inclusions and exclusions to make an informed decision and avoid hidden terms.

Customise with Right Add-Ons

Ensure to customise your car insurance in Jalandhar with the right add-ons to cover your unique risks. For example, if you regularly drive in areas with flooding, the Engine Secure covers your car’s engine. The Zero Depreciation Cover is useful if you have expensive cars or use them frequently.

Step 1: Scroll to the top of the page and click on ‘My Policy’.

Step 2: Once prompted, sign in using your registered mobile number or email ID and OTP (one-time password).

Step 3: Go to ‘Policy Download’ and enter your existing policy number or car registration number.

Step 4: Click on the download button and save a PDF copy of your policy papers.

Cashless garages refer to garages authorised by us for repair services, to which we make payments directly in the event of a car insurance claim settlement. At TATA AIG, we have a network of about 5700+ garages across India, with several garages in Jalandhar.

Here’s how our cashless claim process works.

Step 1: The first step is informing us about the incident for which you plan to file a car insurance claim.

Step 2: Check our list of cashless network garages and enter the city name (Jalandhar) and your car brand to find our authorised service partners. Take your car to any one of these locations.

Step 3: We will survey your car, and upon completion of the investigation, we will approve the applicable claim amount.

Step 4: Once your car is ready after the repair services, we will pay the garage directly for the expenses up to the approved limit. The remaining expenses, to the applicable extent, become your responsibility.

Our network garages offer high-quality and swift repair services. Note that certain services are available only in select cities. To get better clarity on our products, benefits, and services, you can connect with the TATA AIG customer service.