Car Insurance in Mysore

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Car Insurance in Mysore

Mysore, also known as Mysuru, is the southernmost city of Karnataka. All four-wheeler vehicle owners in Mysore need to have third-party car insurance as it is a mandatory requirement.

Car insurance is basically an agreement between insurance companies and vehicle owners that offers financial protection to vehicles.

Driving without a basic car insurance policy can invite heavy fines from the Mysore RTO authorities. In this guide, we will focus on the best car insurance in Mysore.

Why Do You Need a Car Insurance Policy in Mysore

Having four-wheeler insurance in Mysore can be very beneficial for vehicles because of the listed reasons.

Legal Mandate: Driving a vehicle in Mysore with at least a third-party car insurance policy is mandatory. Those caught driving without a car insurance policy need to face penalties from the authorities.

Road Accident: Another reason to purchase car insurance in Mysore is the increasing number of road accidents. These accidents can be financially burdensome.

Poor Road Condition: Vehicle condition is also affected by poor road conditions. Driving a four-wheeler on a poor road can cause severe vehicle damage. The repair expenses of a vehicle can be costly if the individual does not have a car insurance policy in place.

Theft: Vehicle stealing is very common in most places of India including Mysore. A comprehensive car insurance policy covers the incurred vehicle loss as per the policy condition.

Key Features and Benefits of Tata AIG's Car Insurance in Mysore

Key Features and Benefits  Details
Third-Party Damage Third-party damage will be incurred for losses or damage to third parties and property.
Own Damage Cover With our own damage cover, individuals will get coverage for the loss or damage that happens to insured vehicles.
Network Garages We have a vast network of 7500+ network garages all across the country to offer cashless claim services.
Buy and Renew Online With Tata AIG, individuals can buy and renew policies online in just a couple of minutes.
Claim Settlement Ratio We offer a high claim settlement ratio to policyholders in Mysore.

Types of Tata AIG Car Insurance in Mysore

If you are looking for ‘car insurance near me’, here are different Tata AIG car insurance in Mysore that can be considered.:

Third-Party Car Insurance

Third-party insurance in Mysore is mandatory as per the Motor Vehicle Act of 1988. Under the policy, damages and losses by insured vehicles to third parties and property are covered.

Pros and Cons: The plan saves individuals from the fines and penalties from the authorities; however the coverage in this plan is very limited.

Ideal For: It is a good plan for somebody who uses their four-wheeler rarely and is okay with basic coverage.

Own Damage Car Insurance

It is another car insurance policy which protects the vehicle from accidents or casualties that cause damage or loss to insured vehicles.

Pros and Cons: The plan protects the insured vehicle against damages caused by accident, fire, etc. However, it does not offer coverage for third-party damages and loss by insured vehicles.

Ideal For: It is ideal for individuals who live in risky areas where the chances of accidents are high.

Comprehensive Car Insurance

Tata AIG's comprehensive car insurance policy offers extensive coverage to individuals against various damages and losses due to natural and man-made disasters and more.

Pros and Cons: These plans offer enhanced vehicle protection against various risks; however, due to extensive coverage, the premium is very high.

Ideal For: It is ideal for individuals who need enhanced protection.

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

Factors Third-Party Car Insurance Comprehensive Car Insurance
Coverage  Under this policy, policyholders will get coverage for damage or injury to third-party persons and property. This policy provides enhanced protection to insured vehicles against various natural and man-made damages, etc.
Premium The policy of this car insurance policy is comparatively low. Due to vast coverage, the policy of this premium is high.
Add-ons  This policy doesn't have the flexibility to include add-ons. The policy comes up with unique add-ons to enhance protection.
Legal Mandate The policy is mandatory. The policy is not mandatory.
Exclusions Damages to the car and any injuries to the owner-driver Driving under the influence of an intoxicating substance. Reckless driving and speeding. Driving without a valid vehicle document. Driving outside geographical restrictions.

What is the Car Insurance Rate in Mysore?

Tata AIG car insurance in Mysore depends on various factors.

Car Model: The car insurance policy premium depends on the car model. The car model with a higher price usually has a high premium.

Insured Declared Value: The other thing which affects the car insurance premium is the insured declared value. The car’s insured declared value depends on the market value and depreciation value. The higher the IDV the higher the premium.

Policy Type and Add-on: Another aspect which has an impact on the car insurance premium is the type of car insurance policy and add-on included in the policy. The policy with more add-ons usually has a higher premium.

No Claim Bonus: Learning what is NCB in insurance is also helpful. It is the massive discount insurance provider offers for not making claims for consecutive years. The discount is generally on car insurance premiums.

Deductibles: Lastly, deductibles are the option which the policyholder agrees to pay, and the rest is covered by the insurance provider in case of vehicle damage. The insurance policy with higher deductibles generally has a lower premium.

Best Car Insurance Add-Ons to Get in Mysore

  • Roadside Assistance

  • Tyre secure

  • Emergency transport

  • Key replacement

  • No Claim Bonus protection cover

  • Daily allowance

  • Consumable Expenses

  • Engine Secure

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

How to Buy Car Insurance in Mysore?

Step 1: To buy a car insurance policy in Mysore, visit the official Tata AIG website.

Step 2: Next, go to the "All Products" section on the website.

Step 3: After that, click on the "Motor Insurance" option.

Step 4: Now, select the "Car Insurance" option.

Step 5: Next, enter the vehicle registration number and then click on the "Get Details" button.

Step 6: Further, select the car insurance policy type and include add-ons if needed.

Step 7: After selecting the policy, fill out the general details and upload the necessary documents.

Step 8: Once that is done, pay the car insurance policy price.

Step 9: After successful payment, the insured vehicle policy document will be emailed.

How to Complete Car Insurance Renewal in Mysore?

Step 1: To do a car insurance renewal online, open the Tata AIG official website.

Step 2: Next, hover to the "All Products" section.

Step 3: Further, select the "Motor Insurance" option.

Step 4: Next, choose the "Car Insurance" option.

Step 5: After that, enter the vehicle registration number and then click on the "Renew" button.

Step 6: The existing policy details will appear; policyholders can include or exclude add-ons based on their needs.

Step 7: Next, fill out the policy detail form and upload documents if needed.

Step 8: After that, pay the car insurance policy renewal fees.

Step 9: Once the payment is done, the renewed policy will be sent via email.

How to File a Claim for Car Insurance in Mysore?

There are two ways to file for car insurance in Mysore.

Reimbursement Claims

In the reimbursement claim process, vehicle owners, after an accident, need to take their damaged vehicle to the repair garage. After the repair, they need to pay for expenses out of their pocket. Once that is done, they need to file a claim by visiting the website or calling the insurance company. Policyholders need to submit all the repair receipts and other documents.

The insurance official will verify all the documents, and based on that, they will approve or reject the claim request. If the claim request is approved, within a few days the reimbursement amount will be credited to the policyholder account.

Cashless Claims

To initiate the cashless claim request, policyholders must first initiate the claim online or by informing the insurance provider over the call. The official will verify the details and inspect the vehicle before sending it to the network garages.

After the repair process is done, the policyholder doesn't have to pay anything to the garage owner. The dues will be settled by the insurance company directly.

Documents Needed for Car Insurance Claims in Mysore

Original car insurance policy document.

All vehicle documents such as registration certificate, driving licence and more.

Proof of address and identity document.

Hospital bills in case of personal accident and injury.

Legal document in case of third-party damage.

First information report in case of an accident.

No trace document for lost vehicle.

Any other documents asked by immigration officials.

Tata AIG Cashless Network Garages for Car Insurance in Mysore

The cashless network garages facility offered by Tata AIG allows policyholders to take their vehicle for repair without paying a penny. The process eases the whole claim process. Tata AIG has a network of 7500+ garages all across the country.

To get the cashless claim, go to the official website and enter the city "Mysore". All the garages that have tied up with Tata AIG will appear on the screen. Policyholders can take their vehicles for repair. However, it is only available with a comprehensive car insurance policy.

Disclaimer / TnC

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

Related Articles

How to choose the car insurance policy in Mysore?

How to choose the car insurance policy in Mysore?


There are various types of car insurance policies available based on the individual need. Consider factors like the requirement, budget, age of the car, policy inclusions and exclusions, etc. Also, it is important to compare car insurance policies before purchasing.

Is adding a rider beneficial in a car insurance policy?


Riders or add-ons are voluntary offerings based on the varied needs of individuals. It is offered to provide enhanced security to vehicles. Since riders come at a cost, evaluate their needs before including them in your policy.

How to file a claim for Tata AIG car insurance in Mysore?


To file a claim for a car insurance policy, visit the official website of Tata AIG and carry out the needed procedure. It would hardly take minutes for a policyholder to file a claim online. Further, we also offer round-the-clock assistance to policyholders in case of any difficulty while filing a claim.