Car Insurance in Mumbai

Mumbai's chaotic traffic and unpredictable road conditions call for the importance of a four-wheeler insurance policy for the following reasons.

Driving behaviour of fellow drivers: There must be times when 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 would 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 of 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 are 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 hefty fine.

Whether you're buying a new policy or renewing an old one, here are the key features that make TATA AIG car insurance in Mumbai a trusted and convenient choice for every car owner.

When selecting the right car insurance in Mumbai, it helps to know the three main options offered by TATA AIG: Comprehensive, Stand-Alone Own Damage, and Stand-Alone Third-Party car insurance.

Each policy offers a different level of protection. You can also enhance your plan with useful add-ons such as Zero Depreciation, Engine Protection, Roadside Assistance, and more. The premium depends on factors like the car’s age, model, and where you drive in Mumbai.

Comprehensive Car Insurance Policy

This is the most complete type of car insurance available. It covers third-party liabilities and also takes care of damage to your own car. Whether it is an accident, fire, theft, or heavy rains during the monsoon, this plan keeps you covered. It is a good choice for anyone who wants full protection.

Stand-Alone Own Damage Car Insurance Policy

This policy is for car owners who already have third-party cover but want additional protection for their own vehicle. It includes coverage for accidents, theft, fire, and natural events. However, it does not include third-party liabilities, so it works best along with a basic third-party policy.

Stand-Alone Third-Party Car Insurance Policy

This is the most basic form of insurance and is mandatory under the Motor Vehicles Act, 1988. It covers damage or injury caused to another person, their vehicle, or their property. However, it does not cover damage to your own car. Driving without third-party insurance is a legal offence and can result in penalties. You can improve this plan by adding Personal Accident Cover for the owner-driver and passengers.

Choosing the best car insurance in Mumbai depends on how often you drive, where you park, and how much protection you want for your vehicle. Here’s a quick comparison between the two main types of policies offered by TATA AIG:

If you're buying or renewing your car insurance in Mumbai, you might notice that prices vary. That’s because many small things add up to decide how much you’ll pay. Let’s look at the main factors:

• Car’s Value (IDV): This is the current market price of your car. The higher the value, the more your premium will be.

• Age of the Car: Older cars usually cost less to insure. New cars attract higher premiums because they’re worth more.

• Type of Insurance: Third-party car insurance costs less but covers only damage to others. Comprehensive car insurance gives full protection and costs more.

• Add-on Covers: If you add extra covers like zero depreciation, engine protection, or roadside help, your premium will go up.

• Engine Size: Cars with bigger engines usually come with higher premiums.

• Deductibles: If you agree to pay more during a claim, your premium goes down.

• No Claim Bonus (NCB): If you haven’t raised a claim in the last year, you’ll get a discount on car insurance renewal—up to 50% over time.

• Online Purchase: Buying car insurance online can help you find better prices and easy comparisons.

• Other Factors: Things like your age, where you live in Mumbai, car model, and safety features also affect your premium.

When choosing car insurance in Mumbai, add-on covers play a key role in protecting you from city-specific challenges—whether it’s heavy monsoons, dense traffic, or high vehicle repair costs. Tata AIG offers 20 car insurance add-ons that allow you to customise your plan for better safety and convenience.

Here’s a look at the most helpful car insurance add-ons for Mumbai residents:

• Zero Depreciation (Depreciation Reimbursement)

If your car needs part replacements after an accident, this add-on ensures you don’t have to bear the depreciation cost. With Tata AIG, the Zero Depreciation (Depreciation Reimbursement) cover helps you claim the full cost of replaced parts—up to two times a year.

• Return to Invoice Cover

In case your vehicle is stolen or declared a total loss, the Return to Invoice Cover helps you recover the full on-road price (including road tax and registration), not just the IDV.

• No Claim Bonus (NCB) Protection

If you have two or more consecutive claim-free years, this cover helps you retain your NCB even if you raise one claim in the current year.

• Additional Third-Party Property Damage

This add-on enhances your third-party coverage limit, which can be helpful if an accident causes major damage to someone else’s property.

• Engine Protection Cover

Given Mumbai’s waterlogging problems, this cover is important. Engine Protection Cover handles repair or replacement costs if your engine or gearbox is damaged due to water ingress or oil leaks.

• Repair of Glass Fibre and Plastic Parts

If you opt to repair small parts like mirrors, plastic bumpers, or rubber seals instead of replacing them, this cover ensures your No Claim Bonus remains unaffected. It’s especially useful when only Repair of Glass Fibre and Plastic Parts is needed.

• Key Replacement Cover

Misplaced your car keys or had them stolen? The Key Replacement Cover reimburses the cost of new keys, and even lock replacement if required.

• Tyre Secure Cover

Mumbai’s potholes can lead to tyre damage. This Tyre Secure Cover takes care of repair or replacement costs for tyres and tubes—even if no other car damage occurs.

• Loss of Personal Belongings

If items like your laptop, phone, or other valuables are lost or damaged during an accident, this add-on helps cover the financial loss. Loss of Personal Belongings is especially useful for daily office commuters.

• Consumables Cover

Repair bills often include small items like oil, nuts, bolts, and brake fluid. The Consumables Cover ensures you’re reimbursed for these essential components during a claim.

• Additional Towing Charges

If your car needs to be towed beyond the usual coverage distance after an accident, this add-on covers the extra amount spent on towing services.

• Misfuelling Cover

If wrong fuel is filled by mistake, this add-on helps with fuel flushing, minor repairs, and even reimburses the cost of the adulterated fuel.

• Daily Allowance

When your car is in the garage for repairs, the Daily Allowance add-on provides a daily travel allowance or even a replacement vehicle to keep your routine on track.

• Emergency Transport and Hotel Expenses

If your car breaks down while travelling and you're stuck far from home, this cover helps with Emergency Transport and Hotel Expenses, such as taxi charges and overnight stay costs.

• Roadside Assistance Cover

Mumbai traffic can be unpredictable. With Roadside Assistance Cover, you get 24x7 help for flat tyres, dead batteries, fuel delivery, towing, and more.

• Emergency Medical Expenses

In case of an accident, this cover pays for Emergency Medical Expenses such as hospitalisation or ambulance services for the policyholder and other passengers.

• Electric Surge Secure

For electric car owners in Mumbai, this add-on covers damage caused by power surges or short circuits in the charging system or electric components.

• Battery Depreciation Allowance

This add-on helps recover the depreciation value of your EV’s battery during a valid own damage claim, ensuring lower out-of-pocket expenses.

• Vehicle Loan Protector

If the policyholder unfortunately passes away or becomes permanently disabled due to an accident, this cover pays the outstanding vehicle loan amount directly to the lender.

• Reinstate Cover

If one panel of your car was damaged earlier and wasn’t claimed, and later gets further damaged in another incident, this cover allows you to raise a fresh claim for it without affecting the original one.

Before buying or renewing your car insurance in Mumbai, it’s important to understand what your policy includes and excludes. This ensures smooth claims and better protection on the road.

• What’s Included in Tata AIG Car Insurance?

• Accidental damage to your vehicle, including collision-related expenses.

• Loss or damage caused by fire, explosion, self-ignition, or lightning.

• Natural disasters such as floods, cyclones, and earthquakes—especially relevant during Mumbai’s heavy monsoons.

• Theft or burglary of the insured vehicle.

• Damage during transit via road, rail, inland waterways, or air.

• Third-party liability coverage, including injury, death, or property damage.

• Personal protection through the Compulsory Personal Accident (Owner-Driver) add-on.

• You can also enhance coverage with useful add-ons like Zero Depreciation (Depreciation Reimbursement) and Engine Protection Cover.

• What’s Not Covered by the Policy?

• General wear and tear or regular consumables not linked to accidents (unless you opt for a Consumables Cover).

• Mechanical or electrical breakdowns not caused by external impact.

• Driving under the influence of alcohol or without a valid licence.

• Damage beyond the geographical limits or while using a personal car as a commercial vehicle.

• Consequential losses or damage due to war or nuclear risks.

Always review your policy documents before choosing car insurance online or going in for car insurance renewal in Mumbai.

Whether you're getting insurance for a new car or need to extend your existing plan, buying or renewing car insurance in Mumbai is easy with Tata AIG. You can do everything online in just a few steps—no paperwork, no delays.

How to Buy Car Insurance in Mumbai

To buy car insurance online from Tata AIG:

• Visit the Tata AIG website and click on "Get Price".

• Enter your car’s registration number and basic details like model, variant, and fuel type.

• Choose the kind of plan you want—third-party car insurance for basic coverage or comprehensive car insurance for broader protection.

• You’ll also get the option to include helpful add-ons like Zero Depreciation (Depreciation Reimbursement) or Engine Protection Cover, depending on your needs.

• Review your premium quote and policy details carefully.

• Share your contact information, complete CKYC, and make the payment.

• Your motor insurance policy will be emailed to you instantly.

How to Renew Car Insurance in Mumbai

Tata AIG also makes car insurance renewal simple and quick:

• Go to the Tata AIG website and click on "Renew".

• Enter your policy or registration number to fetch your details.

• Check your current coverage and apply for changes if needed—like updating the Insured Declared Value (IDV) or adding options such as Consumables Cover or Roadside Assistance Cover.

• If you haven’t raised a claim in the past year, your No Claim Bonus (NCB) Protection will be reflected in the renewal premium.

• After reviewing, make the online payment.

• You’ll receive your renewed vehicle insurance document right away via email.

Whether you’re looking for third-party vehicle insurance or a fully loaded cover, Tata AIG’s online system helps you choose and renew your plan without hassle.

If your car meets with an accident, gets damaged due to natural disasters, or is stolen, filing a claim is the next important step. Whether you’ve purchased car insurance in Mumbai for private use or have a commercial vehicle insurance plan, Tata AIG makes the claim process smooth and stress-free.

Here's how to go about it:

• Inform Your Insurer

Start by informing Tata AIG as soon as the incident occurs. You can call the helpline at 022-6489-8282 (charges apply) or log on to the official Tata AIG website. This is the first step toward initiating your motor insurance claim. Be ready with your car’s registration number, time and place of the accident, and a brief description of what happened.

• Schedule a Vehicle Inspection

A Tata AIG surveyor will be assigned to inspect the car and assess the damage. The report will be used to verify your claim—whether you’re going for a cashless claim at a partner garage or a reimbursement claim at any garage of your choice.

• Submit Necessary Documents

Keep these documents handy: a filled claim form, a copy of the RC, driving licence, ID/address proof, and FIR (if applicable). Submitting them quickly can help process your car insurance renewal and claim faster.

• Choose the Claim Method That Suits You

• Cashless Claim: Take your car to a Tata AIG network garage. Repairs will be done and the bill will be directly settled by the insurer—ideal for those with comprehensive car insurance.

• Reimbursement Claim: Use your preferred garage, pay upfront, and then submit the invoices. Tata AIG will reimburse the eligible amount once verified.

Whether you're renewing your third-party vehicle insurance, making a claim under your zero-depreciation car insurance, or checking estimates with a vehicle insurance calculator, Tata AIG ensures a transparent and efficient claim process for every policyholder in Mumbai.

When filing a car insurance claim—whether for accidental damage, theft, or third-party liability—it’s important to have your paperwork in order. While some documents are common for all types of claims, others are case-specific. If you're unsure, it's best to speak to a Tata AIG customer care representative for help with your unique situation.

Here’s a checklist of standard documents needed:

• Duly Filled and Signed Claim Form

This form is the first step in initiating your claim process. Ensure all details are accurate and complete.

• First Information Report (FIR)

A verified copy of the FIR is essential in theft or third-party cases, as it records the legal details of the incident.

• Vehicle’s Registration Certificate (RC)

A photocopy of your RC proves ownership of the vehicle.

• Driver’s Licence

Provide a copy of the licence of the individual driving at the time of the incident.

• Insurance Policy Document

Submit a copy of your Tata AIG policy to confirm that your car insurance in Mumbai is active and valid.

• Accident Photographs

For reimbursement claims, clear pictures of the damaged car are required.

• Repair Bills and Payment Receipts

Necessary if you are filing a car insurance renewal claim on a reimbursement basis.

• No Trace Report

For stolen vehicles, this police-issued report is crucial to confirm non-recovery.

• Hospital or Medical Reports

If your claim involves Emergency Medical Expenses or Personal Accident Cover for Passengers, submit relevant documents from the hospital.

• RTO Transfer Forms

Form 29 and Form 30 are mandatory for ownership transfers in case of a second-hand vehicle. Form 28 is needed only if you require a No Objection Certificate to move the car to another RTO.

• NOC and Form 35

If your car is financed, submit the NOC and Form 35 to confirm lender consent under hypothecation.

When you buy a policy for car insurance in Mumbai, access to quality repairs matters just as much as coverage. That’s where Tata AIG’s cashless network garages make a difference. With a strong network of authorised cashless garages across India, including in major cities, you can get your vehicle repaired without paying out of pocket for approved damages.

Here’s what makes these garages a smart choice for policyholders:

• Authorised Quality Repairs: Tata AIG partners only with verified garages that meet our quality and service benchmarks. This ensures your car is repaired with genuine parts and skilled technicians.

• No Upfront Payment for Covered Repairs: When you choose a Tata AIG cashless garage, the approved repair amount is settled directly with the garage. You only pay for uncovered expenses, if any.

• Faster Turnaround: With direct coordination between the garage and Tata AIG, repair approvals and claims move quicker—helping you get back on the road sooner.

• Emergency Support: In cases of major accidents, the approved claim amount may also be used towards Emergency Transport and Hotel Expenses, depending on your selected add-ons.

You can find your nearest Tata AIG cashless network garage in Mumbai by visiting our website or contacting our support team.

The first and the only main concern for many of us purchasing a car insurance policy in Mumbai is the premium and the extent of coverage applicable. Well, you can determine the premium for your car with our online car insurance premium calculator.

And if you want to know what factors contribute to your premium rate, here is a brief about the most important aspects.

IDV- The IDV full form is Insured Declared Value. It is the maximum financial benefit that you can avail of from a car insurance policy, and it depends on your car's current market value, less the depreciation.

Type of Policy and Add-ons- The type of four-wheeler insurance policy, whether it is third-party, comprehensive, or own damage cover, along with the add-ons opted, will significantly impact the car insurance premium rate.

Engine Cubic Capacity- The premium is higher for a car that has a higher engine cubic capacity.

Deductibles- It is a portion of the repair expenses that you will have to pay for apart from the claim amount received. If the deductible is higher, the premium rates will get lower.

Other Factors- Other factors that can affect your car's premium are the age, make and model, modifications made to your car, and other security features added.

No Claim Bonus- It is a discount applicable on your premium if you have been a disciplined driver over the past policy year. This means if you have not raised any claim in the previous year or years, you may be eligible for a NCB.

The documents required for a car insurance claim in Mumbai can vary based on the specific scenario. Some of the standard documents required are as follows:

• Duly filled claim form

• Policy documents

• Personal details - address and identification proof

• First Information Report (FIR) in case of an accident

• Hospital bills in case of personal accident claim

• No Trace Report from the police if your vehicle is stolen

• Legal Notice of the concerned party in case of third-party liabilities

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