Car Insurance in Kolkata

• Kolkata has been ranked as Asia’s most congested city, with an average time of 34 minutes 10 seconds for travelling 10 kilometres. Hour-long traffic jams increase the risk of collisions and road rage incidents.
• Potholes, uneven surfaces and open manholes appear on arterial routes, such as New Town, Garia, Kidderpore and Diamond Harbour Road, during and after the monsoon.
• Poor maintenance and unscientific repair work have been reported. This creates dangerous driving conditions and increases the need for car insurance in Kolkata.
• Heavy downpour and a lack of sufficient drainage facilities make waterlogging common during the monsoon season. Waterlogging in areas like Ultadanga, Sector V, and New Town hampers commuters going to the city’s commercial areas.

Driving in Kolkata is no easy task. Between badly repaired roads, large potholes, waterlogging during the monsoon and hour-long traffic jams, car owners in the city have to face many risks that lead to hefty repair bills or liabilities. To stay protected financially from these risks, TATA AIG offers the best car insurance policy in Kolkata in terms of price and coverage options.

Reputable Insurer Owned by the TATA Group

TATA AIG is owned by the TATA Group, one of the most reputable household names in India. With over 25 years of experience, we have built a reputation for providing quality services and fulfilling our customers’ expectations. We have served over 5 crore customers since inception, ensuring to meet every valid claim and protecting our customers’ finances.

Kolkata-Wide Coverage of Cashless Garages

With TATA AIG, you get access to an extensive network of 5700+ cashless garages across India, with many authorised service centres and repair shops in Kolkata. You can get high-quality services and OEM (original equipment manufacturer) replacements at these places without paying any upfront cash. Simply file an online cashless claim and drive to the shop for repairs.

High Claim Settlement Ratio Among Insurers

We aim to provide the best car insurance in Kolkata by settling every valid claim within a strict timeline. By maintaining a high claim settlement ratio (CSR), we uphold our reputation as a reliable and trustworthy insurance provider who always honours commitments made to our customers in Kolkata.

24x7 Roadside Assistance Across Kolkata

Being stranded on the busy streets of Kolkata can be stressful. With Roadside Assistance, you don’t have to worry about having a broken-down car, as you can get on-the-spot assistance at any time, anywhere in Kolkata with a phone call. We provide spot repairs, flat tyre repair, towing service, locksmith services, and more.

Selecting the right type of car insurance Kolkata is essential when protecting your car. At TATA AIG, we offer different types of car insurance plans suitable for different driving needs and budgets.

Third-Party Car Insurance

This insurance type provides coverage for damage or injuries caused to a third-party person or property. Third-party insurance coverage is 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. They provide limited coverage at the lowest price and are suitable for low-priced vehicles and people who drive occasionally.

View Third-Party Car Insurance Plans

Own Damage Car Insurance

This type of car insurance policy provides coverage for damages and losses incurred by the insured car due to accidents, natural disasters, riots, terrorist attacks, and other risks. It provides sufficient coverage for insured cars with customisation flexibility but does not cover any third-party liabilities. Own damage policies are best used alongside third-party plans for complete risk protection.

View Own-Damage Car Insurance Plans

Comprehensive Car Insurance

TATA AIG’s Comprehensive Car Insurance provides extensive coverage for both third-party liabilities and own damage for the insured car. It covers accidental damage, thefts, burglary, vandalism, natural disasters like floods and hurricanes and third-party liabilities, among other things. Moreover, you can further improve the coverage with 20+ add-ons catering to specific needs. Its premium is costlier compared to the other plans.

View Comprehensive Car Insurance Plans

TATA AIG’s car insurance Kolkata offers a host of features and benefits, from a large cashless garage network and wide coverage options to lucrative deals and discounts. Explore the features to see if these plans are for you.

Car Insurance Kolkata Inclusions

• Accident: Accidental loss or damage during the policy term
• Fire: Incidents caused by fire, explosions, self-ignition or lightning
• Theft: Stolen car and damages caused by burglary or housebreaking
• Transit: Damage caused when transporting a car via road, rail, air or water
• Natural Disasters: Damage caused by floods, cyclones, earthquakes, typhoons, hailstorms, frost, and other disasters.
• Manmade Calamities: Damage caused by strikes, riots, arson, and terrorist activities
• Third Party Liability: Injuries, death and property damage to third parties
• Personal Accident Cover: Up to ₹15 lakhs for injury or death of the owner-driver

Car Insurance Kolkata Exclusions

• Wear and Tear: Excludes wear and tear, depreciation, failures, or electrical or mechanical breakdowns
• Driving Law Violations: Driving without a valid licence or using a private vehicle for commercial purposes
• Driving Under the Influence: Driving under the influence of drugs and alcohol
• Extraordinary Circumstances: Excludes damages caused by war, civil war, war-like situations and nuclear attacks
• Reckless Activities: Excludes speed racing, crash testing, rallying, and other dangerous activities

Disclaimer: All policy inclusions and exclusions are subject to terms and conditions. Read the Policy Wording document for the complete details.

1. Emergency Medical Expenses: This add-on provides medical coverage for accidents with the insured vehicle. It covers hospitalisation costs, ambulance charges, and supporting items like wheelchairs and artificial limbs.

2. Key Replacement: The Key Replacement cover reimburses you for the cost of lost, stolen or damaged car keys, locks and labour charges for replacing locks and keys.

3. Misfuelling Cover: Accidentally filling in the wrong fuel can damage the entire fuel system. The Misfuelling add-on covers the cost of cleaning, draining, and repairing your car’s fuel system.

4. Daily Allowance Plus: The Daily Allowance Plus is an add-on providing daily cash or emergency transportation for up to 15 days while your car is under repair.

5. Reinstate Cover: It covers minor repairs to one of your car’s exterior panels (roof, door, bumper, fender, deck lid), along with repairs for a larger claim.

6. No Claim Bonus Protection: The NCB Protection cover protects your accumulated No Claim Bonus when you file a claim. It covers a single claim during the policy tenure.

7. Loss of Personal Belongings Cover: It covers the cost of clothing and other personal items lost or damaged during an accident. Valuables, like cash, gold, jewellery, credit cards, artwork, etc., are excluded.

8. Engine Secure: The Engine Secure cover protects the engine and other vital parts from water ingress or oil leakage. The internal engine parts, gearbox, transmission and differential assembly are covered by this add-on.

9. Vehicle Loan Protector: This add-on pays the entire outstanding vehicle loan amount in the event of the owner-driver’s death or permanent disability.

10. Consumable Expenses: It covers the cost of replacing or replenishing consumables during repairs. It covers the cost of nuts, bolts, screws, washers, engine oil, grease and air conditioning gas.

11. Zero Depreciation Cover: The Zero Depreciation or the Depreciation Reimbursement cover pays for the full repair or replacement costs without deducting anything for depreciation.

12. Additional Third-Party Property Damage: This add-on covers the extra cost of damaging third-party property, including vehicles, building structures, and more, over the standard limit of ₹7.5 lakh.

13. Emergency Transport and Hotel Expenses: This add-on pays for overnight hotel stays and taxi charges to return to your home or destination city if your car is disabled from an accident.

14. Tyre Secure: The Tyre Secure add-on covers the cost of replacing or repairing car tyres and tubes up to four times in the policy tenure. It only covers substantial tread damage and wearout.

15. Additional Towing Charges: With the Additional Towing Charges cover, you are paid the full expenses of towing your car to the nearest authorised garage.

16. Depreciation Allowance - Battery: The Battery Depreciation Cover pays for the depreciation of your car batteries in the event of an accident. It’s useful for electric vehicles where the battery cost is substantial.

17. Return to Invoice: The Return to Invoice cover helps to cover the full on-road price of your car. It covers the electronic and non-electronic accessories, road tax, registration fees, and other charges.

18. Repair of Glass, Fibre, Plastic & Rubber Parts: This car insurance add-on covers the cost of various minor parts without affecting your No Claim Bonus. Claim it by applying for repairs at an authorised service centre.

19. Electric Surge Secure: It provides exclusive financial protection for electric vehicles, batteries and charging equipment. Damage from all sorts of electrical issues is covered.

20. Roadside Assistance: With the Roadside Assistance add-on, you can get 24x7 on-spot repair and breakdown service anywhere in Kolkata. It covers repairs, flat tyre change, battery jumpstart, towing charges, and more.

Major Cost Savings

Our four-wheeler insurance in Kolkata comes at competitive costs starting at just ₹2,094 per year. In addition, you can get substantial discounts of up to 85% on online purchases for both old and new vehicles.

Complete Risk Protection

TATA AIG’s car insurance Kolkata is most famous for its all-inclusive protection against a wide variety of risks. Some of the risks we cover include fire, explosions, car accidents, theft, total loss, malicious acts, natural or manmade disasters, and more.

Easy Purchases and Renewals

By offering a user-friendly platform, we have made the process of buying and renewing car insurance plans easier than ever. It takes just a few minutes and a few clicks to buy car insurance Kolkata online without the need for any complex paperwork or lengthy formalities.

Complete Transparency

We ensure complete transparency in our terms and pricing. Using our intuitive platform, you can easily compare different policy options, view the benefits, add/modify add-ons and check the detailed breakdown of prices before you make a purchase.

Hands-on Assistance

We maintain a dedicated team of 750+ claim settlement professionals to provide you with hands-on assistance. Contact our customer service via the helpline (022 6489 8282), email (customersupport@tataaig.com) or mobile app 24x7 on any day of the week for immediate assistance.

1. Visit Our Website: Visit the TATA AIG website and go to ‘Personal’ > ‘Car Insurance’.

2. Enter the Registration Details: On the homepage, enter your car registration number. Then, click on “Get Price” to proceed.

3. Enter the Rest of the Details: Fill out all the details requested on the next page, select the car insurance type
and add-ons, and click on “Continue”.

4. Get the Quote: Based on the details entered, you will get your car insurance quotes in Kolkata. Read the terms and conditions, and upon satisfaction, make the required payment to buy new car insurance for your four-wheeler.

Buy Car Insurance Kolkata

A valid car insurance plan is necessary for all car owners in Kolkata due to the high risks of accidents and third-party liabilities in the city. A timely renewal also gives several benefits, such as:

• Extra No Claim Bonus: The NCB amount increases every year up to a set limit.
• Stress-free Driving: Having insurance coverage lets you drive stress-free without the fear of losing your car.
• Safe from Liabilities: Third-party insurance coverage ensures that you don’t have to pay for property damage and injuries from your own pocket.
• Legal Compliance: Having a valid insurance certificate lets you avoid trouble with the traffic police.
• Flexibility: During renewals, you can customise your plan by modifying the coverage limits and adding/removing add-ons.

1. Go to Our Website: Go to the TATA AIG Website and navigate to ‘Renewals’ > ‘Car’.

2. Enter Registration Details: Enter your car registration number or policy number on the Renewals webpage. Click on “Renew” to proceed.

3. Check the Renewal Price: Review your updated renewal details and price. Then, add or remove add-ons per your choice, and then click on “Continue”.

4. Make the Payment: 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.

5. Download the Policy Document: If you have an expired policy, you have to wait for an expert to inspect your car on-site. Otherwise, you can download your policy document upon confirmation of payment.

• Duly filled claim form
• Car insurance policy documents
• First Information Report (FIR) in case of an accident
• The driving licence of whoever was driving your car during the accident
• No Trace Report from the police if your vehicle is stolen
• Legal Notice of the concerned party in case of third-party liabilities
• Photographs and videos of the damaged vehicle
• Personal details - address and identification proof
• Hospital bills in case of a personal accident claim
• Repair bills from the garage (in case of reimbursement claims)
• Original car keys and RTO cancellation details (for a total loss)
• Any other document as required for claim settlement

1. Inform Us First: To begin the claim process, you need to update us regarding the loss or damage incurred by your vehicle. Register your claim on our Claims Portal.

2. Fill out the Claims Form: Enter the required details, including your policy number, name, contact details and details of the accident.

3. Complete the Inspection: For self-inspection, submit photos or videos of the damage on the relevant link. Then, wait for our surveyor to arrive on-site to estimate the repair costs.

4. Choose a Network Garage: Choose your nearest authorised service centre in Kolkata and take your car there. Apply for a cashless repair.

5. Final Bill Settlement: Once the repairs are over, we will settle your claim directly with the garage as per your policy terms. You may have to pay for additional expenses.

Car insurance premium rates are different for different plans. The rate depends on a range of factors, including the vehicle’s make and model, location, insurance coverage, type of insurance, driving records, etc. A car insurance calculator Kolkata offers an easy way to estimate the premium rates of different policies. Here’s how premium rates are calculated:

When understanding the car insurance price in Kolkata, it’s important to understand what factors determine your costs. 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 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 the last year, you could benefit from a revised No Claims Bonus, 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.

Calculate Your Car Insurance Premium Instantly

• Avoid Unnecessary Add-ons: Choose the right type of car insurance plan and avoid adding unnecessary add-ons to balance costs and coverage.
• Install Security Measures: Install devices like anti-theft alarms and parking sensors to qualify for lower premium rates.
• Increase the Deductible: Opt for a higher voluntary deductible to get lower insurance premiums.
• Maintain Clean Driving Records: Avoid traffic incidents and drive safely to maintain a clean driving record.
• Get Usage-based Discounts: Get usage-based discounts if you drive occasionally to pay lower premium rates.
• Timely Renewals: Get a car insurance renewal Kolkata before your previous policy lapses to prevent the cancellation of NCB and other discounts.

• Understand Your Needs: Determine the right type of car insurance policy and coverage you need based on your driving habits, location and specific risks.
• Compare Insurance Policies: Compare car insurance online Kolkata based on their features, coverage limits and premiums.
• Choose the Correct Riders: Choose the correct type of riders based on your driving habits and conditions. For example, the Engine Secure is advisable for driving on waterlogged roads.
• Check the Discounts: Check the No Claim Bonus offered by the insurer, as well as discounts for online renewals, installation of anti-theft devices, etc.
• Determine the Premium Amount: Use the insurer’s premium calculator to check if the premium amount is within your budget and adjust accordingly.

1. Log in on Our Website: Visit the TATA AIG website, click on ‘My Policy’ and sign in using your registered mobile number or email ID and OTP.

2. Go to Policy Download: Once logged in, click on the ‘Policy Download’ section. Then, enter your car registration number or policy number.

3. Save the Document: Click on the ‘Download Policy’ button to save a PDF copy on your smartphone or PC.

Our extensive network of cashless garages is a convenient way for you to get your insured car repaired without spending a penny out of your pocket.

We have over 5700+ 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 in Kolkata 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 subject to terms and conditions & inclusions, and exclusions mentioned in your policy wording. Please go through the documents carefully.