Car Insurance in Lucknow
Car Insurance in Lucknow
Lucknow is a major tourist hub in India. It is famous for its food, architecture, music, embroidery, poetry, rich heritage, etc. However, there is one more thing that the city is known for, and that is its traffic. The tiny lanes certainly add to the city’s old-world charm but can also be hard on your car.
Car Insurance in Lucknow Overview
However, car insurance can help you keep your four-wheeler protected against the financial implications of accidents and repairs in the city.
You can buy or renew the TATA AIG car insurance plan online and secure your car in Lucknow.
Why should you buy Tata AIG Car Insurance in Lucknow?
Here are some reasons why you should buy car insurance from Tata AIG in Lucknow:
Comprehensive coverage: Tata AIG car insurance offers own-damage cover along with third party liability for increased overall protection. This ensures complete coverage for all possible situations.
Covers varied types of loss and damage: The plan covers loss or damage caused by a natural calamity, theft, riots, accidents, terrorist activities, fire, and more.
Option to add riders: The plan offers additional riders to enhance your coverage and customize your plan accordingly.
Wide network of garages: TATA AIG has over 7500+ network garages across the country. So, you can rest assured to find a garage near you for all kinds of repairs in Lucknow.
Personal Accident Cover: The plan offers a Personal Accident Cover for the owner or driver of the car. In case of injuries suffered in an accident, the plan will cover the expenses of your treatment.
A big team to support customers: TATA AIG has a wide network of 650 claim experts. So, you can expect the best customer experience and quick claim settlements.
High claim settlement ratio: TATA AIG has a high claim settlement ratio of 98% (FY19-20). This ensures quick settlements and reduces the chances of rejection.
Online claims: You can submit your claim online by filling up the claim’s form. The entire procedure is simple and hassle-free. You can also consult our Customer Care if you have any doubts.
Car insurance plans in Lucknow
If you are looking for car insurance companies in Lucknow, you consider purchasing the TATA AIG car insurance plan. Here are some things to know:
TATA AIG offers a comprehensive car insurance plan that covers third party liability along with own damage. This online insurance for a vehicle can protect your car from damage and theft.
The plan offers 13 rider options, such as daily allowance, No Claim Bonus protection cover, engine secure, consumable expenses, tyre secure, depreciation reimbursement, roadside assistance, repair of glass, fibre, plastic and rubber parts, return to invoice, emergency transport and hotel expenses, and key replacement. The plan offers a Zero Depreciation Cover that enables you to make a claim without factoring in the depreciation value of the car.
The plan provides a Personal Accident Cover for injuries suffered by the owner or driver in an accident.
How to file a claim?
Here’s how you can file a claim with Tata AIG Car Insurance:
Whenever the accident occurs or your vehicle is damaged/stolen, inform the Tata AIG customer care. They will guide you with the further process.
Visit the TATA AIG Claims Process page.
Select Raise a Claim.
Fill in all the necessary details as prompted on the screen. Click on Submit.
Submit all the relevant documents that are needed for the claim processing. Some common documents are:
- 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
If your vehicle has suffered damages, we will get it transferred to the nearest network garage. This will allow you to opt for a cashless claim.
We will verify the claim. If the claim satisfies the guidelines and requirement laid down in your policy document, we will pay the applicable claim settlement amount to you.
Need for car insurance in Lucknow
Lucknow is a crowded city with a population of approximately 3,765,000 as of 2021. The city is home to big malls, four-lane highways and also narrow old city lanes, vendors, and hawkers. The city’s roads are overcrowded with people and vehicles, increasing the chances of accidents, dents, and scratches. There have also been many cases of car theft rackets in the city. All of these factors add to the vehicle owner’s insecurity and hamper peace of mind.
Third-party car insurance is mandatory in India under the Motor Vehicle Act of 1988. However, it may be advised to buy a comprehensive cover that covers own-damage too. A wholesome car insurance plan in a place like Lucknow can offer many benefits. It can protect your car against theft, burglary, earthquakes, riots, terrorist activities, and more. An insurance plan that covers personal accident can also take care of the medical expenses of the owner or driver arising out of a road accident. With the rising cost of healthcare in the country, this can be an added advantage that can help save a lot of money.
The cost of living is also considerably high in Lucknow. Hence, repairs can cost you your hard-earned savings. However, a car insurance plan can help you cut these down considerably. You can pick a car insurance plan with affordable premiums and cover the costs of repairs or replacements of car parts.
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Frequently Asked Questions (FAQs) about car insurance in Lucknow
Which is the cheapest car insurance in India?
The premium for car insurance depends on the Insured Declared Value (IDV) of your car. TATA AIG offers customizable car insurance plans that you can buy as per your needs. You can check the total premium outflow for your Tata AIG car insurance plan with our four-wheeler insurance calculator.
What is the maximum tenure for car insurance?
With TATA AIG car insurance, you can buy annual as well as multi-year car insurance policies. The plan offers own-damage and third-party liability cover along with 13 other riders. Visit https://www.tataaig.com/motor-insurance/car-insurance for more details.
How can I check my car insurance details?
You can visit our Self-Service Page for detailed information about your existing Tata AIG motor insurance policy. You can also check the website of the Insurance Information Bureau (IIB) to have a look at the status of any car insurance policy.
Can I renew expired car insurance?
Yes, you can renew lapsed car insurance. At Tata AIG, we offer you a grace period of about 30 days to renew an expired car insurance policy and retain the insurance benefits. You can also renew the expired policy of other insurance providers with Tata AIG.