Car Insurance in Mumbai

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Car Insurance in Mumbai

Mumbai is a dream city for many. Being India’s largest financial hub and entertainment hotspot, the city sees a lot of people making their way into it every year. But Mumbai’s roads are what are paying the price for everyone’s dreams – and congested traffic is a day-to-day experience for many.

Car Insurance in Mumbai Overview

Despite the extensive range of public transport, several prefer to travel in private or commercial cars. However, to drive a car on Indian roads, it is a legal mandate to have valid car insurance as it works as a security cover for driver-owners and fellow drivers at all times.

Why Should You Buy Tata AIG Car Insurance in Mumbai?

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Car insurance protects the driver-owner, his/her vehicle, and other drivers and their property from unforeseen mishaps and risks. In India, it is essential to have active and running insurance for cars at all times. The type of car insurance benefits you get depends on the insurer you are buying insurance from. That is why, from all the vehicle insurance companies in India offering car insurance, it is best to buy yours only from one of India’s leading motor insurance provider – Tata AIG motor insurance.

Apart from having affordable and attractive car insurance price in Mumbai, here are a few reasons you should get car insurance from Tata AIG:

12 unique add-ons for all-round protection: Buying an offline or online car policy from Tata AIG not only ensures you receive comprehensive coverage but also get the full package with affordable and customizable car insurance add-on covers. These covers include:

  • 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

A ratio that guarantees claim settlement: Trust the numbers. Tata AIG wants only the best for its customers and settles every deserving car insurance claim that comes our way. In the financial year 2019-2020, we settled over 98% of claims that came our way.

Services that are instant and hassle-free: Every process at Tata AIG is quick, convenient and paper-free. From buying or renewing a policy to raising a claim, every process takes only a few minutes to finish and is doable from the comfort of your home or on the go.

Garage networks that can be accessed anywhere: With over 7,500 garages associated with us, you can rest easy knowing you can get repair services wherever you are in India. Moreover, you can even walk into a garage of your choice and get reimbursed at the earliest.

Car Insurance Plans in Mumbai

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We like to keep choices simple and coverage all-encompassing in our car insurance policies for your optimum convenience. That is why we have kept the offline and online motor policy options limited to two. You can choose between:

Standard third-party car insurance, where you will receive coverage for any damage/ loss/ injury caused to a third-party (fellow driver) and their property by your vehicle.

Comprehensive car insurance, where apart from receiving coverage for damage/ loss/ injury caused to third parties, you will receive enhanced protection for your own car too. So, in case there is loss/ damage to your car due to any of the following reasons, we will have your back! The reasons include:

  • External accidents
  • Natural disasters such as floods, earthquakes, cyclones, storms, and more
  • Fire and lightning
  • Landslide/ rockslide
  • Frost and hailstorms
  • Explosion and self-ignition
  • Theft and burglary
  • Riots, strikes, terrorist activities, or any other malicious act

How to File a Claim

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Filing a Tata AIG insurance claim online is an easy 3-step process. All you have to do is:

Register your claim by going to the ‘Claim Support’ page. Click on the ‘Raise a Claim’ button, fill up the form given and enter the necessary details (such as policy number, license details, details of the incident /accident etc.) Choose the mode of claim settlement – cashless or reimbursement.

Wait for us to verify your claim within a few hours, after which we will send your car to the nearest network garage. In case of theft, we will need a No Trace Report from the police.

Wait for the garage to work the repair magic, and get your claim settled in your chosen mode! In case of theft or total loss, we will reimburse the applicable sum assured to you.

Make a note of the common documents required for claim settlement:

  • 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

Need for Car Insurance in Mumbai

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Driving your car without a valid car insurance policy is like skydiving without a parachute on – it just doesn’t make sense. Especially in a crowded city like Mumbai, which puts owner-drivers through its own set of challenges. Here is why car insurance is a must in a city like Mumbai:

Driving behaviour of fellow drivers: There must be times where you might have come across rogue fellow drivers or careless pedestrians. While you may have been lucky and avoided any mishap, can you guarantee the same cautiousness from someone else? If the unfortunate were to happen, we’d like to think you have a safety cushion with car insurance.

Chaotic surrounding conditions: No matter the time of day, Mumbai is full of trafficked lanes, bumpy roadways and clogged highways. This congestion increases the proximity of bumper-to-bumper cars/ vehicles and increases the chances for damage to car parts. Moreover, the seasonal floods that grace Mumbai every year also do no good to cars. In fact, floods damaging car hydro-locks, engines, and electrical systems is a common phenomenon in Mumbai. Without car insurance, the costs for any such repair/ replacement can lead to hefty bills.

Heavy fines and the threat of lock-up: Did we mention that roaming around in your car without a car insurance policy is an offence? Car insurance is mandatory in India, and if you get caught by the traffic police driving without your insurance policy, you can be charged a fine of up to ₹2,000 for the first time and ₹4,000 for the second time. You can also face imprisonment for up to 3 months.

Frequently Asked Questions (FAQs) About Car Insurance in Mumbai

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Which car insurance is top in Mumbai/India?

Car insurance that gives you maximum benefits at an affordable premium price is the best. Look for a comprehensive insurance plan that offers own-damage cover, third-party liability cover, personal accident cover and a choice of unique riders.

Should I opt for cashless/reimbursement claim settlement?

You can choose either cashless or reimbursement mode of claim settlement. If you prefer not to worry about paying bills when your car goes for repair, you can choose the cashless mode. If you are not in a hurry to receive your settlement amount, you can select reimbursement.

How much does car insurance cost in India?

The cost of car insurance depends on several factors such as the market value of your car, its engine capacity and age, the type of policy you want, the number of add-ons, and more.

Which is the lowest price car insurance?

The car insurance price depends upon the Insured Declared Value (IDV) of the car, along with a few other factors. You can check the exact cost of the car insurance premium with Tata AIG’s car insurance calculator. With customizable policies, we are sure you will find a suitable car insurance plan with Tata AIG.

For how long can I get a car insurance policy?

You can get Tata AIG car insurance online every year or for 2-3 years at a go.

What is the Return-to-Invoice Cover?

The Return-to-Invoice Cover is an add-on that gives you the original invoice amount of the car/car part instead of the depreciated amount/current market-valued amount.