Car Insurance In Kolkata

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Car Insurance in Kolkata

Kolkata is a city of grandeur and archaic architecture and planning. The city is teeming with a mix of students, locals, corporate industries, and curious tourists.

However, due to these reasons, there is a significant rise in traffic that can take ages to clear in Kolkata. As a transportation hub, its roadways are just as busy as its waterways due to the raw materials transported to other cities. Thus, having a car insurance policy in Kolkata is a substantial investment.

Let us understand the role, types, and benefits of Tata AIG car insurance in Kolkata. Moreover, we will also discuss the process of buying and renewing the best car insurance for your needs.

Why Do You Need a Car Insurance Policy in Kolkata

Kolkata poses a challenge for car drivers and owners for the following reasons:

Heavy rainfall, Floods, and Cyclones: Kolkata is a city prone to rainfall and floods, which makes it very difficult for car drivers and owners to navigate the streets. It gives rise to swelling drains, and dirty sewage seeps everywhere.

Cyclones - They are a common occurrence in Kolkata due to the low-pressure zone. This makes it very important to have a car insurance policy to protect your car.

Poor road construction, traffic jams, and political unrest: It is not uncommon to find potholes in Kolkata. These potholes further aggravate the existing traffic situation, increasing the risk of accidents and other damage to your car.

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

Key Features and Benefits  Details
Online Convenience You can easily buy and renew car insurance policies directly from our website in a few quick steps.
Policy Types Keeping in mind the different needs and budgets of individuals, we offer 3 types of car insurance policies with varying coverage.
Customisation Flexibility We offer a range of add-ons to allow you to customise your comprehensive and own damage car insurance policy based on specific needs.
Quick Claim Settlement With a claim settlement ratio of 98%, we ensure timely claim settlements for everyone.
Cashless Garage Network We offer a cashless garage network of over 7500+ garages around India.
24/7 Customer Support To ensure prompt customer support for all queries, we provide a team of over 650 experts available 24/7.

Types of Tata AIG Car Insurance in Kolkata

Third-Party Car Insurance

This insurance type provides coverage for all damages caused to a third-party property or person, which is deemed mandatory by law. This car insurance policy covers the compensation that you need to pay the third party involved in the accident with your insured vehicle.

Pros: Affordable plans with minimal documentation.

Cons: Limited coverage for only third-party liabilities.

Ideal For: Drivers with low or middle-value cars and limited usage.

Own Damage Car Insurance

This insurance type provides coverage for all damages and losses incurred by the insured car due to accidents, natural calamities, riots, terrorist attacks, etc.

Pros: Sufficient coverage for insured cars with customisation flexibility.

Cons: It does not cover any third-party liabilities and is only applicable for cars purchased after September 2018.

Ideal For: Any driver who resides or works in accident-prone areas.

Comprehensive Car Insurance

This insurance type provides coverage for both third-party liabilities and own damage for the insured car. This extensive coverage includes damages due to burglary, vandalism, typhoons, explosions, etc.

Pros: Extensive coverage with maximum customisation flexibility with 13 different add-ons to cater to specific needs.

Cons: Expensive premiums as extensive coverage is provided. Additionally, it requires more documentation.

Ideal For: All drivers looking to secure their vehicle from a wide range of damages and losses due to uncontrollable circumstances.

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

Factors Third-Party Car Insurance Comprehensive Car Insurance
Scope of Coverage Limited coverage for only third-party liabilities. Extensive coverage for third parties and own damage for the insured car.
Legal Requirements Mandatory under the Motor Vehicles Act 1988. Not mandatory by law.
Add-ons  No add-ons available. 13 different add-ons are available for maximum customisation.
Premium Charges Affordable premiums. Higher premiums as increased coverage.
Exclusions Driving without a licence or registration certificate. Driving after the consumption of alcohol or other harmful substances. Driving outside the permitted geographical areas. Voluntary participation in speed racing/ rash driving. Using a personal car for commercial work Driving without a licence or registration certificate. Driving after the consumption of alcohol or other harmful substances. Driving outside the permitted geographical areas. Voluntary participation in speed racing/ rash driving. Using a personal car for commercial work. General wear and tear of the car. In the case of consumables, only 50% reimbursement

What is the Car Insurance Rate in Kolkata?

When deciding on insurance for a four-wheeler, understanding the factors impacting the premiums is crucial to making an informed decision. Various factors play a role in the calculation of the car insurance premium, and these include -

IDV - The insured declared value is the financial compensation you will receive for your car in case your car is stolen or damaged beyond repair. This value is calculated by subtracting the car’s depreciation from its market value.

Vehicle Type, Age, and Specifications - Based on the make and model of your vehicle, the premium can vary. Moreover, the age of the vehicle is also an essential point of comparison. For expensive cars, the premium is higher, and vice versa.

Claim History - If you did not make any claims during last year, you could benefit from a revised NCB insurance premium, which is a discounted premium charge for the same policy.

Type of Policy and Add-ons - Based on the type of car insurance policy in Kolkata, your premium can vary. Additionally, depending on the number of add-ons you choose, the premium may increase or decrease.

Engine Capacity - For third-party car insurance plans, the premium value calculated by IRDAI is based on the car’s engine capacity. For higher capacity, the premium is higher, and vice versa.

Best Car Insurance Add-Ons to Get in Kolkata

This extensive coverage includes some add-on services that help lessen your financial burden. We offer 12 car insurance add-ons that you can include in your policy to extend the coverage. Some of them are as follows:

  • No-Claim Bonus Protection Cover

  • Roadside Assistance Cover

  • Return to Invoice Cover

  • Personal Accident Cover (for the owner-driver)

  • Depreciation Reimbursement Cover

  • Key Replacement Cover

  • Engine Secure Cover and more

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

How to Buy Car Insurance in Kolkata?

Visit our car insurance website.

On the homepage, enter your car registration number.

Click on “Get Price” to proceed.

Fill out all the details requested on the next page, select car insurance type and add-ons, and click on “Continue”.

A premium quote will appear on the screen. Read the terms and conditions, and upon satisfaction, make the required payment to buy new car insurance for your four-wheeler.

How to Complete Car Insurance Renewal in Kolkata?

Go to our website.

Enter your car registration number on the main webpage.

Click on “Renew” to proceed.

Review your existing policy terms and conditions, add or remove necessary add-ons, and then click on “Continue”.

A revised premium quote will be displayed on the screen. If it is good to go, make the required payment to complete the car insurance renewal in Kolkata.

How to File a Claim for Car Insurance in Kolkata?

For maximum convenience and customer satisfaction, we provide you with two options to file for a claim: a reimbursement claim and a cashless claim. Let us understand each of them below.

Reimbursement Claims

With this claim option, you make the initial payment, and then we reimburse you for the work done. For instance, when your car meets with an accident, you need to notify us and then take it to a garage of your choice. Next, you need to get all the repair work done to get the car working properly again and make the required payment for the same.

Upon completion, you need to collect and submit all the receipts of the work done to us for evaluation. After evaluation, we will reimburse you the amount that is applicable based on your policy terms.

Cashless Claims

With this claim option, we cover the cost of repairs for you based on your policy terms. To begin this claim process, you need to update us regarding the loss or damage incurred by your vehicle and how it happened.

Then, you must take your car to one of the cashless garages within our network and fill up a survey report. We will evaluate the survey and approve the repair costs applicable under your policy. Upon approval, the repairs are done and we make the payment directly to the network garage.

Documents Needed for Car Insurance Claims in Kolkata

  • 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 - address and identification proof

  • Hospital bills in case of personal accident claim

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

  • Any other document as required for claim settlement

Tata AIG Cashless Network Garages for Car Insurance in Kolkata

The cashless network garage system is a convenient way for you to get your insured car repaired without spending a penny out of your pocket.

We have over 7500+ authorised garages around the country, and you can avail of quality and efficient repair services at any of them free of cost.

All you need to do is notify us about the claim request and find a cashless garage for car insurance near me from our website to let us extend the required financial support as per your policy.

There are certain things to keep in mind when filing for a cashless claim. Firstly, cashless claims are only permitted under a comprehensive car insurance policy.

Secondly, some car services might be limited to specific locations only so always cross-check before taking your car.

Disclaimer / TnC

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

Which is the best car insurance in India?

Which is the best car insurance in India?


Any car insurance policy must give you zero depreciation value and cover any third-party liabilities. Premiums are calculated on the basis of multiple factors like the age of your car, insured declared value, security and more. The only way you can find the best car insurance in India is by comparing car insurance plans and premiums.

Which is the cheapest car insurance in India?


The cheapest car insurance in India is the third-party liability cover, which essentially covers any damage that is incurred to a third person during an accident with the policyholder. Without this car insurance policy, you will not be allowed to drive legally. It covers the bare minimum in terms of insurance for your car.

Which company is best for vehicle insurance?


Motor car insurance policies need to be researched and compared. To find the best insurance company in Kolkata, you can conduct simple research by checking online. You can also compare premiums by using the car insurance premium calculator available on the website of Tata AIG.

On what basis is the premium calculated in a motor insurance policy?


The premium for any motor insurance policy can depend upon these factors: The Geographical zone (in this case, Kolkata) Age of the vehicle Cubic capacity of the vehicle’s engine Insured Declared Value (IDV) Model of the vehicle to be insured