Buy/Renew Car Insurance in Kerala

According to the Parivahan statistics, the number of vehicle registrations in Kerala has been above 7.5 lakhs every year between 2021 - 2023. With a more significant number of vehicles comes the increased risk of road accidents.
The Kerala Police Report states that the number of road accidents in Kerala is 33296, 43910, and 48141 for the years 2021, 2022, and 2023, respectively.

While these escalating statistics can be alarming, don't dissuade from owning a vehicle; instead, secure yourself and your car with a car insurance policy for comfort is a priority, and financial security is to shield it smartly!

A car insurance policy can cover various risks, including third-party liabilities, theft, accidental damages, or natural calamities, to the extent required. Knowing that you are adequately prepared for unforeseen circumstances, you can explore God's own country with confidence and peace of mind.

When you choose TATA AIG, you get more than just basic car insurance. Here’s a quick look at the key features that make our plans practical, customisable, and reliable for every car owner in Kerala.

When choosing car insurance in India, it’s important to know what type of cover you’re signing up for. At TATA AIG, you can choose from three main types of car insurance policies based on how much protection you want and how often you drive.

Here’s a quick breakdown:

Comprehensive Car Insurance Policy

This is a complete policy that covers both third-party liabilities and damage to your own car. It protects you against losses caused by accidents, theft, fire, floods, and other natural or man-made disasters. You can enhance it with add-ons like Zero Depreciation, Engine Protection, or Return to Invoice. If you want full coverage and peace of mind, this is the most reliable option.

Stand-Alone Own Damage Car Insurance Policy

This policy covers damage to your own car due to accidents, fire, theft, or natural disasters. It does not include third-party liability, so you must already have an active third-party policy. It’s best for people with newer or high-value vehicles who want extra protection for their car.

Third-Party Car Insurance Policy

This is the most basic and legally required type of car insurance, made mandatory under the Motor Vehicles Act, 1988. It covers damage or injury caused to another person, vehicle, or property by your car. While it doesn’t cover your own car, it keeps you legally compliant and is a good fit for those looking for an affordable option.

With TATA AIG car insurance, every plan is designed to meet different needs—giving you just the right level of protection with a smooth, digital-first experience.

If you’re searching for the best car insurance in Kerala, the choice usually comes down to two main types — third-party Car insurance and comprehensive insurance.
Both have their own strengths, and the right option depends on how much coverage you need and what kind of protection you're looking for.

If you’re buying or renewing your car insurance in Kerala, it helps to understand what affects the price you pay. Knowing these factors can help you choose the right plan without overpaying.

Insured Declared Value (IDV)

This is your car’s current market value after depreciation. It’s also the highest amount the insurer will pay if your car is stolen or completely damaged. A higher IDV gives better coverage, but it also increases the premium.

Age of the Car

Newer cars have higher premiums because they’re more expensive to repair or replace. As your car gets older, its value goes down, and so does the premium.

Type of Insurance Cover

A third-party car insurance policy is the most basic and is required by law. It has the lowest premium. A comprehensive car insurance policy includes third-party cover along with protection for your own vehicle, which makes it more expensive but more useful.

Add-on Covers

Optional add-ons like Zero Depreciation, Engine Protection, or Roadside Assistance offer extra protection. However, the more add-ons you choose, the higher your premium will be.

Engine Size

Cars with larger engines usually have higher premiums. This is because more powerful vehicles often cost more to repair or replace.

Deductibles

A deductible is the part of the repair cost you agree to pay yourself. Choosing a higher voluntary deductible can lower your premium, but it also means paying more when making a claim.

Claims History

If you haven’t raised any claims during the policy term, you can earn a No Claim Bonus (NCB). This discount increases every year you don’t make a claim and can go up to 50 per cent.

Buying Online

When you purchase your policy online using a vehicle insurance calculator, you can compare plans, adjust coverage, and often find better pricing than offline options.

Other Factors

The place where your car is registered, the car’s make and model, your age, any safety features installed, and even custom modifications can all affect your final premium.

Now comes the premium, the most important! While it determines the cost of your car insurance policy in Kerala, remember it is not just a number but an assurance on the road to financial security.

So, ensure to choose adequate coverage with the necessary features and make well-informed financial decisions.

A range of factors determines your four-wheeler insurance premium. Here is a brief description of them.

Insured Declared Value (IDV) - The IDV in insurance is the maximum amount you can get for your car if it is totally damaged or stolen. It is calculated based on the current market value less depreciation.

Age - The premium is higher for new vehicles and lower for old vehicles.

Type of car insurance policy - The type of four-wheeler insurance policy chosen between the third-party, own damage, and comprehensive car insurance policies will significantly impact the car insurance rate in Kerala.

Engine Capacity - The premium will be higher for cars with higher cubic capacity than for cars with lower cubic capacity.

Deductibles - It refers to the percentage of claim amount that you pay for your car. The higher the deductibles, the lower the premium.

Add-on Covers - If you have included add-ons to your four-wheeler insurance policy, it will increase your premium.

Other factors - Other factors such as the location, make and model, variant, modifications done to your car, and additional security features can also affect your car insurance premium.

Claims History - If you have been a disciplined driver and made no claims in the past year, you can benefit from a No Claim Bonus that can significantly reduce your premium.

When you buy or renew your car insurance in Kerala, you can make your policy stronger by adding optional covers that go beyond the basics. These are known as add-ons. They help fill the gaps in a regular policy and give you better support during accidents, breakdowns, or theft. With TATA AIG comprehensive car insurance, you can choose from 20 add-ons, depending on what suits your needs.

Here’s a simple explanation of each one, so you can decide what’s worth including.

No Claim Bonus (NCB) Protection

If you’ve had a few claim-free years and earned a No Claim Bonus, this add-on lets you keep your discount even if you make one approved claim.

Zero Depreciation Cover

Normally, your insurer deducts value for wear and tear when replacing car parts. This cover helps you get the full cost of those parts during repairs.

Return to Invoice

If your car is stolen or damaged beyond repair, this cover pays the full invoice value of your car, including road tax and registration charges.

Engine Secure

This covers engine damage due to water entry or oil leakage, which is common in Kerala during heavy rains.

Repair of Glass, Fibre, Plastic, and Rubber Parts

This add-on pays for fixing minor damages to bumpers, mirrors, lights, or rubber parts without reducing your No Claim Bonus if it’s your only claim that year.

Key Replacement

If you lose your car keys or they are stolen, this cover pays for new keys and locks, including installation charges.

Tyre Secure

This covers the cost of repairing or replacing tyres and tubes that are damaged due to an accident. It does not include wear and tear from regular use.

Loss of Personal Belongings

If your phone, bag, or other valuables are lost or damaged during an accident, this add-on reimburses the cost up to the policy limit.

Additional Towing Charges

If your car breaks down after an accident and needs towing, this cover takes care of the extra towing charges.

Consumables Cover

Small items like nuts, bolts, engine oil, or brake fluid are usually not covered under standard insurance. This add-on pays for these during repairs.

Misfuelling Cover

If the wrong fuel is filled in your car, this cover helps with the cost of draining the tank, repairing the damage, and even pays for the incorrect fuel up to ₹2,000.

Daily Allowance Plus

If your car is in the workshop for repairs, this add-on provides a daily cash allowance or alternate transport support for a few days.

Roadside Assistance

This add-on is helpful if your car breaks down on the road. It covers services like towing, battery jump-start, tyre repair, emergency fuel, or even hotel assistance if needed.

Emergency Transport and Hotel Expenses

After an accident, if you cannot drive back home, this add-on pays for taxi fares and hotel stays.

Emergency Medical Expenses

If the driver or passengers are injured in an accident, this add-on helps pay for their medical treatment.

Electric Surge Secure (for EVs)

If you own an electric vehicle, this cover protects against damage caused by electrical faults like short circuits or water damage to the battery.

Vehicle Loan Protector

In case of death or permanent disability of the car owner due to an accident, this add-on pays off the remaining loan amount directly to the lender.

Reinstate Cover

If you forget to report minor damage but raise a valid claim for another issue, this add-on covers the earlier damage as well.

Battery Depreciation Cover

If your battery needs replacement under your own damage claim, this add-on ensures you get the full cost reimbursed without depreciation cuts.

Additional Third-party Property Damage Cover

If your car damages someone else’s property, this add-on increases the payout limit above what standard third-party insurance allows.

If you’re planning to buy or renew your car insurance in Kerala, knowing what your policy includes — and more importantly, what it doesn’t — can make all the difference during a claim.

Whether you choose third-party car insurance or a comprehensive car insurance plan from TATA AIG, being informed helps you avoid any last-minute surprises.

What’s Covered Under TATA AIG Car Insurance:

• Accidental Damages: If your car is damaged due to an accident, the cost of repairs is covered under comprehensive or Standalone Own Damage (SAOD) policies.

• Theft: In the unfortunate event that your car is stolen, TATA AIG reimburses up to the car’s Insured Declared Value (IDV), provided you have the right policy.

• Natural Calamities: Kerala’s monsoon and hilly terrain can sometimes cause floods or landslides. With the right cover, your car is protected from such natural disasters.

• Man-Made Damages: Any damage due to riots, strikes, or acts of terrorism is included under comprehensive or SAOD policies.

• Transit-Related Damages: If your car is damaged during transport by road, rail, air, or inland waterways, TATA AIG will cover the repair expenses.

• Third-Party Liabilities: This includes any legal or financial liability for injury, death, or property damage caused to a third party while using your insured car.

• Personal Accident Cover: You can opt for accident coverage up to ₹15 lakhs for the owner-driver. There’s also an option to extend coverage to passengers with add-ons.

• Add-on Benefits: If you opt for extras like Zero Depreciation, Roadside Assistance, or Engine Secure, these specific scenarios are also covered.

What’s Not Covered Under TATA AIG Car Insurance:

• Driving Violations: Claims won’t be accepted if the driver is found without a valid driving licence or under the influence of alcohol or drugs at the time of the accident.

• Improper Vehicle Use: Damages caused while using a private vehicle for commercial use or participating in racing events are not covered.

• General Wear and Tear: Like any machine, your car ages. General servicing, tyre wear, and mechanical breakdowns due to ageing are excluded.

• Geographical Limits: Your policy is valid within India. Any damages caused outside Indian territory are not covered.

• Extraordinary Situations: War, nuclear risks, and similar uncontrollable scenarios are not included in any car insurance plan.

• Unpurchased Add-ons: If you haven’t opted for a specific add-on, such as Engine Protection or Tyre Secure, the associated damages won’t be covered — even under a comprehensive plan.

Understanding these inclusions and exclusions helps you choose the best car insurance in Kerala and customise it with the right add-ons. If you’re ever unsure, it’s a good idea to go through the policy document in detail or speak to a TATA AIG advisor before making a decision.

TATA AIG makes buying and renewing car insurance in Kerala simple, fast, and entirely online. Whether you're purchasing insurance for a brand-new car or renewing an existing policy, here’s everything you need to know.

How to Buy New Car Insurance Online

Buying a new car insurance policy with TATA AIG is quick and requires only a few steps:

Visit the Official Website

Go to the TATA AIG General Insurance website and click on the ‘Brand New Car’ button or ‘Get Quote’ to begin.

Enter Vehicle Details

Share key details like your car’s make, model variant, fuel type, and registration location. You may also be asked for the car’s delivery date to calculate an accurate premium.

Provide Location and Contact Info

Fill in your mobile number, RTO code, car delivery date, and PIN code. This helps in generating a location-based quote.

Choose Your Policy & Add-ons

Pick the car insurance coverage that best suits your needs. You can customise it by adding optional covers like Zero Depreciation or Engine Protection.

Fill in Personal Information

Enter your name, date of birth, address, and email ID, and complete the mandatory CKYC (Know Your Customer) process.

Enter Vehicle Details for PA Cover

If you opt for Personal Accident cover, you’ll need to submit your engine number, chassis number, hypothecation details (if applicable), and nominee information. If you already have an active PA cover, you can skip this step.

Make the Payment

Select your preferred mode of payment and complete the transaction securely.

Download Your Policy Instantly

Once the payment is processed, your car insurance policy will be issued and sent to your registered email. You can also scan and save it directly from the screen.

How to Renew Your Car Insurance Policy

Renewing your car insurance in Kerala through TATA AIG is just as simple:

Visit the Renewal Page

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

Enter Policy Details

Provide your existing policy number, vehicle registration number, or mobile number so the system can locate your records.

View Your Renewal Quote

Check the updated premium based on your car’s current value, any applicable No Claim Bonus (NCB), and previously selected add-ons.

Modify Coverage if Needed

You can add or remove extra covers at this stage. Note that some add-ons may not be applicable for older vehicles.

Verify All Details

Review your coverage, premium, and NCB eligibility. If you’ve had a claim-free year, the NCB discount will apply.

Make Payment for Renewal

Pay securely online. If your policy has expired, a quick inspection of the car may be needed before renewal.

Receive Your Renewed Policy

Once payment is successful, your renewed policy will be ready to download. It’s recommended to set a reminder for your next car insurance renewal to avoid missing the due date.

With TATA AIG, you can buy or renew your policy from anywhere in Kerala without stepping out of your home.

If your car gets damaged or is in an accident, don’t worry—filing a claim with TATA AIG in Kerala is easy and clear. Whether you prefer the convenience of a cashless claim or the flexibility of reimbursement, here’s how to go about it:**

• Step 1: Register Your Claim

  Visit the official TATA AIG website and fill in the claim form. Mention details of the incident, including if anyone else’s property or vehicle was involved. Once you’re done, just hit ‘Submit.’

• Step 2: Receive Your Claim Intimation Number

  Right after submission, you’ll get a Claim Registration Number. Keep this number safe—it’s your reference for all future updates.

• Step 3: Survey of the Damage

  A TATA AIG-appointed surveyor will assess your vehicle in person. They’ll determine what needs to be fixed and help estimate the cost of repairs.

• Step 4: Take Your Car to a Garage

  Choose a garage based on your preference:**

  Cashless Claim? Pick from over 5,900 authorised TATA AIG garages—no upfront payments required.

  Reimbursement Claim? Visit any garage of your choice, pay for the repairs, and file for a refund later.

• Step 5: Repairs Begin

  Based on the surveyor’s recommendations, repairs are carried out at the chosen garage. Just make sure the work matches what was approved.

• Step 6: Settlement of the Claim

  Once the repairs are complete, TATA AIG will verify the paperwork, including your policy and any add-ons.

  For cashless claims, the bill is settled directly with the garage.

  For reimbursement, the approved amount is transferred to your account.

You can track your claim status online—anytime, anywhere. The entire process is built to be as smooth as possible, so you can get back on the road without unnecessary delays.

If you're filing a car insurance claim in Kerala with TATA AIG, keeping your documents ready can help speed up the process. Whether it’s an accident, theft, or a third-party issue, the paperwork helps verify your details and ensures a smooth claim experience.

Here’s what you’ll typically need:

• Claim form: Fill it out completely and sign it to begin your claim process.

• First Information Report (FIR): Needed especially in cases of theft or third-party damage.

• Vehicle’s Registration Certificate (RC): Confirms that you’re the legal owner of the insured car.

• Driver’s licence: Belongs to the person who was behind the wheel during the incident.

• Policy document copy: Proves that your coverage was active at the time.

• Photos of the accident: Needed if you’re submitting a reimbursement claim.

• Repair bills and receipts: Required when you’ve paid for repairs yourself.

• No Trace Report: Issued by the police for stolen vehicles that haven’t been recovered.

• Hospital or treatment bills: For any personal accident claims involving medical expenses.

• RTO documents (Forms 29 and 30): Required if there’s a change in ownership.

• Form 28: Needed only if you want to shift the vehicle to a different RTO.

• NOC and Form 35: Must be submitted if the car has a loan attached (hypothecated).

For any unique situations, TATA AIG may request additional paperwork. If unsure, reach out to customer support for help based on your specific case.

Need a copy of your TATA AIG car insurance policy in Kerala? Follow these steps to download it online with ease:**

• Step 1: Visit the official TATA AIG General Insurance website.

• Step 2: On the homepage, click on the ‘Self-Service’ tab. Log in using your registered mobile number (OTP-based), email ID, or your policy number.

• Step 3: Once logged in, head to the ‘Policy Download’ section. Enter your car insurance policy number or vehicle registration number to find your active policy.

• Step 4: Click on ‘Download Policy Document’ to get a PDF copy. You may also receive it via your registered email ID or, if opted in, through WhatsApp.

If you’re unable to access the online portal, you can contact TATA AIG’s 24x7 customer support at 022-6489-8282 or email customersupport@tataaig.com to request your document.

Selecting the best car insurance in Kerala requires a mix of understanding your needs and comparing your options smartly. Here’s how you can do it:

Decide on the Type of Insurance:

If your vehicle is new or of high value, a comprehensive car insurance policy offers broader protection, covering both own damage and third-party liabilities. For older cars, a third-party policy may be enough as it fulfils the legal requirement under the Motor Vehicles Act, 1988.

Compare Policies Online:

Visit insurer websites and enter your vehicle details to view quotes. Remember, premiums vary based on your car’s model, IDV, selected add-ons, and registration location.

Choose Suitable Add-ons:

Consider add-ons like Zero Depreciation, Roadside Assistance, and Engine Protection for added coverage. These are helpful during emergencies or unexpected breakdowns.

Check for Online Savings:

Look for digital discounts or No Claim Bonus (NCB) benefits if you’re renewing an Own Damage policy. These can help lower your premium.

Understand Claim Support:

Ensure the insurer has a wide network of cashless garages in Kerala. This makes the repair process faster and more convenient after an accident.

Buy It Online:

Once you’ve chosen the right plan, complete the purchase online. It’s a quick and hassle-free way to get covered, often requiring no paperwork.

With a wide network of authorised cashless garages across India, TATA AIG makes post-accident car repairs easier and more convenient. If your vehicle is covered under a comprehensive policy, you can visit any network garage for repairs without making upfront payments. TATA AIG will directly settle the bill with the garage once the claim is approved.

Here’s what happens: you report the incident, take your vehicle to the nearest authorised garage, and the surveyor assesses the damage. Once your documents are verified and the claim is approved, the garage will begin the repairs. If there are any non-payable items or exclusions, you will be informed in advance, and those costs can be paid directly by you.

This seamless experience is designed to offer quality repairs and peace of mind. To find a cashless garage near you in Kerala, visit the TATA AIG website or reach out to their customer support team for personalised assistance.