Car Insurance in Jalandhar

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Car Insurance in Jalandhar

Jalandhar, a dynamic urban centre in Punjab, resonates with a rich cultural heritage and increased economic activity. The city, recognised for its sports manufacturing establishments, is also known for its historical landmarks: Devi Talab Mandir, Niku Park, Rangla Punjab Haveli, and Imam Nasir Mausoleum. Further, the bustling markets and the delicious cuisine make it a captivating destination.

As you see, the streets buzz with activity and the roads with heavy traffic, you will realise the importance of car insurance in Jalandhar.

Beyond being a legal compliance, it is essential to have a financial safety net to pay for unexpected expenses due to an accident, theft, or a calamity.

Here is everything you need to know about Tata AIG car insurance in Jalandhar.

Why Do You Need a Car Insurance Policy in Jalandhar?

The increased frequency of road accidents in Jalandhar due to heavy traffic congestion and sporadic reckless driving has become a crucial cause for concern. These road accidents, which lead to injuries and fatalities, emphasise the importance of advanced road safety measures.

While traffic regulations have been strictly enforced, four-wheeler insurance is of the utmost importance for every individual. A car insurance policy in Jalandhar fulfils legal requirements, covers third-party liabilities, and provides financial protection for damages against accidents, thefts, and other calamities, securing both the car's and the individual's financial well-being.

We offer car insurance solutions that can be customised to your advantage. Further you can purchase and perform car insurance renewal online with Tata AIG.

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

Key Features and Benefits  Details
Economical Premiums Car insurance premiums are affordable and start at ₹2094*. You can also save up to 75% by purchasing it online.
No-Claim Bonus If you have not raised a claim in the previous years, you can benefit up to 50% discount on the car insurance premium.
Third-Party Cover Covers third-party or third-party property damages due to an accident
Own Damage Cover Covers damages to your insured car incurred due to accidents, natural calamities, and artificial disasters
Comprehensive Cover Covers third-party liabilities and own damages. In addition, it is customisable with add-ons.
Personal Accident Cover Up to ₹15 lakhs 
Add-On Covers We offer 17 add-on options for enhanced coverage  
Network of Cashless Garages 7500+ across India
Buy/ Renew 3-step simple and quick online process
Claim Assistance Hassle-free claim settlements online with 650 experts

*Terms and Conditions Apply

Types of Tata AIG Car Insurance in Jalandhar

Stand Alone Third-Party Car Insurance It is the basic and legally mandatory car insurance policy. It covers the expenses arising from damaging a third-party person or property with your insured car. It is ideal for individuals owning low-value vehicles and minimal usage with low-risk profiles.

Pros Cons
Economical Premiums Does not cover own car damages
Available for instant purchase with less documentation Limited benefits and add-on covers

Stand Alone Own Damage Car Insurance It covers the damages incurred to your insured car as against third parties. The premium will be based on your specific car model, specification, and features. Individuals who own high-value vehicles and drive in high-risk areas can consider buying stand-alone own-damage car insurance in Jalandhar.

Pros Cons
Extensive Coverage Only applicable to cars purchased after September 2018.
Cover for accidents, thefts, and natural or man-made calamities Does not cover third-party liabilities Limited benefits and add-on covers

Comprehensive Car Insurance One of the most preferred options, the comprehensive car insurance policy, 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.

Pros Cons
Covers third-party damages and own car damages, including accidents, thefts, and natural or man-made calamities Expensive
Customisable with add-on coverage options No Claim Bonus to reduce premium rates Requires detailed documentation for purchase and claim settlements.

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

Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage Applicable Covers financial and legal liabilities concerning third-party person or property damages Covers third-party liabilities and offers extensive coverage for own car damages. It can include accidents, thefts, artificial and natural calamities. Further, it can also provide personal accident cover for the owner-driver of up to ₹15 lakhs.
Legal Consequences The absence of third-party car insurance can lead to severe penalties as it is legally compulsory, as mentioned in the Motor Vehicles Act of 1988. It is not legally mandatory.
Premium Highly affordable, considering its standard coverage Expensive, considering the broad coverage
Add-on Covers Not Applicable Choice of wide-ranging add-on options available
Exclusions Repair expenses on the damages to your own vehicle Repair expenses on the damages incurred to third parties because of your insured car in the following scenarios: Utilising your private vehicle for business reasons Driving after taking drugs or the consumption of alcohol Not having a valid licence Driving and accidents caused due to negligence Driving your insured car outside the mentioned geographical boundaries Speed racing Crash testing War-like situations Repair expenses for the damages incurred to your car due to: General wear and tear due to regular usage Driving and accidents caused due to negligence Utilising your private vehicle for business reasons Driving after taking drugs or the consumption of alcohol Not having a valid licence Driving your insured car outside the mentioned geographical boundaries Speed racing Crash testing War-like situations The cost of replacing consumables is only up to 50% due to the wear and tear

What is the Car Insurance Rate in Jalandhar?

When you are ready to purchase a car insurance policy in Jalandhar, the first and most important concern will be the premium rate. It becomes your responsibility to choose adequate coverage while also ensuring it is affordable.

To ease this procedure, Tata AIG offers an online car insurance premium calculator that helps you compare and choose a product with the required features at an affordable rate.

Here is a brief description of the different factors that affect the four-wheeler insurance premium.

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

Age - The car insurance premium for a new vehicle is higher compared to that of older vehicles.

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.

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.

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 the deductibles are higher.

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.

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 for the current year and subsequent years.

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

Best Car Insurance Add-Ons to Get in Jalandhar

Add-on covers offer enhanced protection by providing additional coverage benefits on your four-wheeler insurance. Tata AIG offers 17 add-on covers with wide-ranging benefits specific to scenarios.

Some of the common add-on covers are:

  • Zero Depreciation

  • No Claim Bonus Protection

  • Key Replacement

  • Engine Secure

  • Tyre Secure

  • Repair of Glass Fiber and Plastic Parts

  • Roadside Allowance

  • Daily Allowance

  • Return To Invoice

  • Emergency Transport and Hotel Expenses

  • Loss of Personal Belongings

  • Consumables Expenses

  • To understand how an add-on cover works, let us consider a few examples.

  • With zero dep insurance, you are eligible to receive complete compensation for an accident or theft without deducting the cost of depreciation.

Further, with the roadside assistance add-on, you will be offered assistance to handle a difficulty if you are stuck with your car breakdown or other issues. This assistance can include refuelling, towing, or any other mechanical services.

The other add-on covers, such as Engine Secure, Tyre Secure, Repair of Glass Fiber and Plastic Parts, and Consumables Expenses, cover the expenses for the repair or replacement of specific parts.

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

How to Buy Car Insurance?

  • Visit our Tata AIG official website.

  • Choose the 'Car' tab.

  • Enter the registration number and click on 'Get Price'.

  • Enter the required personal and car details as prompted by the screen.

  • Choose the type of car insurance policy and the add-ons required.

  • 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 the car insurance policy online.

How to Renew Car Insurance?

  • Visit our Tata AIG official website.

  • Choose the 'Car' tab.

  • Enter your car's registration number and click on 'Renew'.

  • Provide the necessary details as prompted by the screen.

  • Enter the required personal and car details as prompted by the screen.

  • We will provide an instant premium quote for your car insurance renewal in Jalandhar based on your input.

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

How to File a Claim for Car Insurance in Jalandhar?

While initiating car insurance claim benefits, you can benefit from two options: Cashless Claims and Reimbursement Claims.

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.

Based on a preliminary examination and a survey of the damages, we will approve the amount for the cashless claim settlement. Upon completion of repairs, we will settle the amount to that extent and pay the garage directly.

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, and you will also have the freedom to choose a preferred garage.

Primarily, you will have to register with us for the reimbursement claim and then proceed to a garage for the repair.

Upon completion, you can submit the receipts to us, and we will reimburse you for the expenses. While this option is more flexible, it can involve more documentation.

Documents Needed for Car Insurance Claims in Jalandhar

  • Duly filled and signed claim form

  • Registration Certificate

  • Copy of driving licence

  • Copy of car insurance policy document

  • Proof of identity

  • Proof of residence

  • Original keys

  • Payment receipts from the garage for reimbursement claims

  • FIR - First Information Report (If it is an accident)

  • No Trace Report provided by the police (If it is a case of theft)

  • Letter to the RTO (If it is a case of theft)

  • The concerned party's Legal Notice (If it is a third-party liability)

  • Hospital treatment bills for personal accident claims

Tata AIG Cashless Network Garages for Car Insurance in Jalandhar

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. We have a network of about 7,500+ garages across India.

How does a cashless claim work?

  • The first step is intimating us about the incident for which you plan to file a car insurance claim.

  • Find a garage in our network and take your car.

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

  • 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. Furthermore, if the accident leads to hospitalisation, you can use the funds for medical treatment expenses.

  • Click here to find Tata AIG Cashless Network Garages.

  • Cashless repairs and related services are applicable only to comprehensive plans. Further, certain services are available only in select cities. To get better clarity on our products, benefits, and services, you can connect with our Tata AIG customer service.

Disclaimer / TnC

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

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How can I find car insurance near me?

How can I find car insurance near me?


You can use online search engines to find car insurance providers near your location. You can also find car insurance products, compare their benefits, and choose and purchase a suitable product online without having to find and visit the nearest branch office.

Where can I check my Jalandhar car insurance details?


You can find the status or the details of your car insurance in Jalandhar using any of the following options: By logging into your insurer's official website if they have an online platform By visiting Parivahan Sewa and checking on the 'Informational Services' tab and 'Know your Vehicle Details' option. Log in with your car registration details into the mParivahan mobile application.

Which insurance cover is best for a car?


The best car insurance in Jalandhar depends on the type of car, your driving skills, frequency of usage, and location. For example, if you own a high-value vehicle, drive through risk-prone areas regularly, and seek complete protection for your car and against third-party liabilities, you can decide on choosing a comprehensive car insurance policy.