Car Insurance in Mysore

• Most traffic accidents in Mysore City are reported at junctions of major roads, including Hunsur Road, Irwin Road, KRS Road and Nanjangud Road. The risk of accidents is high at signal junctions, bus stops, and road curves, mostly in the central parts of the city.
• On-street parking on many arterial roads results in heightened risk of collisions and road rage incidents.
• Encroached footpaths and a lack of pedestrian facilities lead to spillover of foot traffic on the road, leading to accidents with vehicles.
• Unsafe driving habits, such as not wearing seatbelts and the usage of mobile phones while driving, increase the risk of accidents.

Legal Mandate

Driving a vehicle in Mysore with at least a third-party car insurance policy is mandatory as per the provisions of Section 146 of the Motor Vehicles Act. Anyone who drives or allows another person to drive their vehicle without valid third-party insurance faces fines from ₹2,000 to ₹4,000 and imprisonment of up to 3 months, or both.

Necessary Financial Protection

In a growing city like Mysore, the risk of road accidents is fairly high due to the growing number of vehicles and inadequate road infrastructure. If your car is damaged by an accident, you need to bear the high cost of repairs. A Mysore car insurance policy covers the cost of repairs, spare parts, and vehicle replacement within the city.

Safeguards Your Savings

Car repair costs in Mysore can be substantial, especially if it involves major part replacements or repairing luxury cars or electric vehicles. This can deplete your hard-earned savings and even put you in debt. Failing to make timely repairs can lead to the loss of your ride in the city. A car insurance policy protects you against these losses.

Protection Against Third-Party Liabilities

If you are involved in a road accident, you may end up causing damage to other people’s cars, personal belongings or property. This can result in massive legal liabilities and court fees if you are held responsible. A third-party car insurance Mysore covers these costs, protecting you from expensive claims.

Provides Cashless Repairs

When you buy car insurance, you can get cashless claim settlement in case your vehicle is damaged or lost. This feature lets you get repairs without paying an upfront cash at authorised garages that have partnered with the insurance company. With TATA AIG’s Car Insurance plans, you can access a wide-reaching 5700+ cashless garage network across the country.

Third-Party Car Insurance

Third-party insurance in Mysore is mandatory as per the Motor Vehicle Act of 1988. TATA AIG’s Third Party Insurance covers any damage caused to a third-party vehicle, property or person, as well as legal fees and personal accident cover. It covers third-party injuries, death and property damage up to ₹7.5 lakhs. While it's affordable, the coverage in this plan is limited to third parties only.

View Third-Party Car Insurance Plans

Own Damage Car Insurance

A standalone own damage (OD) car insurance protects the insured vehicle against damage caused by accidents, fire, theft, or natural disasters like floods and cyclones, etc. However, it does not offer coverage for third-party damages and loss by insured vehicles. TATA AIG’s Own Damage Car Insurance provides dedicated coverage, access to 5700+ cashless garages and personalisation options via add-ons.

View Own-Damage Car Insurance Plans

Comprehensive Car Insurance

A comprehensive car insurance Mysore offers extensive coverage to individuals against various damages and losses due to natural and manmade disasters and third-party liabilities. Essentially, they combine OD and third-party car insurance plans. TATA AIG’s Comprehensive Car Insurance Plan offers broad coverage, 20+ add-ons and ₹15 lakhs personal accident cover. It is ideal for individuals who need enhanced protection.

View Comprehensive Car Insurance Plans

Mysore Car Insurance Inclusions

• Accidental Damage: Covers damage or loss due to a road accident
• Fire: Covers damage due to fire-related incidents, explosions and lightning
• Theft: Compensation up to Insured Declared Value for a stolen car, covers damage from burglary and house break-ins
• Transit Damage: Damage due to transporting your car via road, rail, air, inland waterways or lifts
• Natural Disasters: Covers earthquakes, cyclones, hurricanes, storms, floods, landslides, hailstorms, frost, etc.
• Manmade Calamities: Covers damage from strikes, riots, arson, and terrorist activities
• Third Party Liability: Covers third-party injuries, death and property damage
• Personal Accident Cover: Provides fixed compensation in the event of the owner-driver’s death or permanent disability

Mysore Car Insurance Exclusions

• Driving Rules Violation: Driving without a valid driving licence or under the influence of alcohol or drugs
• Usage Violation: Using the vehicle for commercial purposes or outside geographical borders (i.e., India)
• Extraordinary Events: Damages due to war, war-like operations and nuclear attacks
• Negligence, Wear and Tear: Damages from negligence, regular wear and tear, depreciation, and mechanical failure

Disclaimer: The above inclusions and exclusions are subject to terms and conditions. Please read the Policy Wording document for more details.

1. Engine Secure: The Engine Secure Add-On covers repairs and replacement of engine components, transmission, gearbox and differential assembly for damages due to water ingress or lubricant leakage.

2. Return to Invoice: The Return to Invoice Cover pays the total invoice value of your lost or stolen vehicle. It covers the difference between your car’s IDV and on-road price, including road taxes, registration fees and insurance.

3. No Claim Bonus Protection: When you file a claim, your accumulated No Claim Bonus disappears. The NCB Protection Cover prevents the depletion of your NCB for one claim in the previous year.

4. Depreciation Reimbursement Cover: Also called the Zero Depreciation Cover, this add-on provides the full cost of repairs and replacements without factoring in the depreciation of your car.

5. Roadside Assistance: The Roadside Assistance Cover provides 24/7 emergency assistance and breakdown services when your car is disabled. It covers flat tyres, battery jumpstart, fuel support, emergency towing, taxi support and more.

6. Emergency Medical Expenses: This add-on pays for medical expenses for the driver and passengers following an accident with the insured vehicle. It covers hospitalisation expenses, ambulance charges and supporting items for disability.

7. Vehicle Loan Protector: A car owner’s sudden death or permanent disability can cause undue financial stress for loved ones. The Vehicle Loan Protector pays for the entire outstanding loan on the insured vehicle in such situations.

8. Misfuelling Cover: Filling in the wrong fuel type at the petrol station can cause a lot of damage to your car. The Misfuelling Add-on pays for flushing, cleaning and repairing the fuel system and the lost fuel.

9. Daily Allowance Plus: The Daily Allowance Plus Add-on provides a fixed daily cash allowance or a courtesy/hired car when your vehicle is undergoing repairs. These benefits are available for up to 15 days.

10. Electric Surge Secure: This add-on provides exclusive protection for electric vehicles, EV batteries and charging equipment. It covers repairs, partial loss and total loss due to electrical issues like self-heating and short-circuiting.

11. Tyre Secure: The Tyre Secure Cover reimburses the repair and replacement costs of car tyres due to accidental damage. It covers up to four replacements in a year and excludes natural wear and tear.

12. Consumables Cover: This add-on covers the cost of consumables, such as washers, screws, nuts and bolts, oil filters, lubricants, engine oil, and others. These small costs are covered during repairs for an own damage claim.

13. Additional Towing Charges: Towing charges in Mysore can be expensive. The Towing Charges Add-on covers the cost of towing your car to the nearest garage or service station if it’s disabled.

14. Emergency Transport and Hotel Expenses: It covers overnight hotel stay expenses and taxi charges for getting you to your residence or the nearest city. The add-on is applicable when your vehicle is disabled, and you file a valid accident claim.

15. Additional Third Party Property Damage: This add-on covers extra third-party liabilities beyond the standard limit of ₹7.5 lakhs. It covers damage to other vehicles, walls, and other properties, as well as passenger death and injuries.

16. Key Replacement: The Key Replacement Add-on reimburses the cost of lost or stolen car keys, damaged locks and labour charges for replacing locks.

17. Depreciation Allowance- Battery Cover: This add-on pays for the full cost of car batteries damaged due to an accident without any depreciation deductions. The add-on is useful for electric vehicles where battery costs are significantly high.

18. Repair of Glass, Fibre, Plastic & Rubber Parts: This add-on covers the cost of repairing and replacing various parts damaged in an accident. When you file a claim for this add-on individually, your No Claim Bonus stays intact.

19. Reinstate Cover: The Reinstate Cover is useful for covering minor repairs that often go unnoticed. It covers accidental damage to any one car panel area alongside a larger claim.

20. Loss of Personal Belongings: This add-on reimburses the cost of clothes and other personal items damaged or stolen from your vehicle. It includes a ₹250 deductible and excludes valuables like cash and jewellery.

Complete Risk Protection

At TATA AIG, we offer the best car insurance Mysore that provides complete, all-round risk protection for you and your vehicle. Our car insurance plans cover a wide range of risks, including accidents, thefts, fire, vandalism, and natural disasters like floods and hurricanes. We also have plans covering third-party injuries, death and property damage.

Wide Range of Coverage Options

Customise your coverage options to get the most suitable car insurance for your needs. You can adjust the IDV, policy tenure and optional add-ons to get the right plan. We offer more than 20 add-ons, including Engine Secure, Zero Depreciation, Roadside Assistance and other covers.

Enhanced Digital Experience

Our digital portal is designed to be easy-to-use and user-friendly. You can buy or renew car insurance online in just three steps and a few minutes with minimal documentation. You can also compare plans, add-ons and costs to choose the best option and get complete transparency throughout the process.

Reliable Brand

TATA AIG is backed by the TATA Group, one of the biggest Indian business conglomerates with over 150+ years of history and legacy. We also have 25+ years of experience serving the insurance needs of more than 5 crore customers. With this level of credibility and a high Claim Settlement Ratio, you can rest assured knowing that we fulfil all valid claims.

Attractive Bonuses

If you are looking for cheap car insurance Mysore, we offer competitive rates starting at just ₹2,094/year. You can get attractive online-only discounts of up to 85% on premiums for both old and new cars. By staying with us, you can also accumulate up to 50% No Claim Bonus within five claim-free years. Adding these discounts can substantially lower your costs.

Step 1: Scroll to the top of this page. Find the ‘Personal’ menu and click on ‘Car Insurance’.

Step 2: Next, enter the vehicle registration number and then click on ‘Get Price’.

Step 3: Provide the relevant information, including car and personal details.

Step 4: Next, select the car insurance policy type and include add-ons if needed.

Step 5: You will instantly get affordable car insurance quotes Mysore from TATA AIG. If you want to proceed, complete the online payment to buy the car insurance plan.

Buy Car Insurance Mysore

• Gets More Discounts: A timely renewal makes you eligible for special discounts and a higher No Claim Bonus for buying online car insurance in Mysore.
• Saves You Time: When you renew on time, you can skip extra paperwork and vehicle inspections required for lapsed policies. It also saves you extra costs for those procedures.
• Ensures Continuous Protection: A timely car insurance renewal Mysore ensures continued risk protection without gaps. Otherwise, you may end up covering the costs of a car accident on your own.
• Follows the Law: Since third-party insurance coverage is compulsory, having an expired policy can land you in serious trouble with the traffic authorities in Mysore. A timely renewal lets you enjoy stress-free driving.

Step 1: At the top of this page, find the ‘Renewal’ menu and click on ‘Car’.

Step 2: After that, enter the vehicle registration number and then click on the "Renew" button.

Step 3: The existing policy details will appear. Review the details and choose whether to proceed with the car insurance renewal Mysore.

Step 4: Adjust the coverage options and select add-ons you want to include (if any).

Step 5: Check the final price and complete online payment via your preferred mode. Once the payment is done, the renewed policy will be sent via email.

Cashless Claims

Step 1: To initiate the cashless claim request, you must first initiate the claim process on the TATA AIG online claims portal. File and submit the cashless claims form here.

Step 2: On the link sent to your mobile number, upload photos and videos of the damaged car and complete the self-inspection process.

Step 3: Next, a surveyor from TATA AIG will visit you. The official will verify the details and inspect the vehicle before approving the repair.

Step 4: Take your car to the nearest network garage and hand it over for repairs. You don’t have to pay anything to the garage owner. The dues will be settled by TATA AIG directly within policy limits.

Reimbursement Claims

Step 1: In the reimbursement claim process, you need to take your damaged vehicle to the repair garage and pay for the expenses out of your own pocket.

Step 2: Make sure to collect all necessary documents, including repair bills and payment receipts.

Step 3: File a reimbursement claim by visiting our website or calling the toll-free helpline (022 6489 8282).

Step 4: A surveyor will be assigned to verify all the documents, damages and approve your request. If your claim request is approved, within a few days, the reimbursement amount will be credited to your account.

• Filled and signed claims form
• Original car insurance policy document
• All vehicle documents, such as registration certificate, driving licence and more
• Proof of address and identity proof
• Hospital bills in case of personal accident and injury
• Legal notice/court summons in case of third-party damage
• FIR/police report for major damage, theft and legal cases
• Photographs of the damaged vehicle
• Repair estimate, bills and payment receipts
• RTO cancellation and original car keys for total loss
• NOC from the financier if the vehicle is loaned

The rate for Mysore car insurance policies primarily depends on the type of plan you have chosen. While third-party insurance plans have fixed rates set by the insurance regulator IRDAI, the rates for other types of insurance plans are set by the insurance company. Explore the different components of car insurance premiums in Mysore:

Get accurate quotes for your chosen terms from TATA AIG with the Car Insurance Premium Calculator. All you need to do is enter your car’s registration number, and the calculator fetches all details, including make, model and age, for you.

Premiums for four-wheeler insurance in Mysore depend on many things, including the type of plan chosen, insurance terms, driver’s profile and several vehicle-related factors. Learn about the main factors that affect your car insurance premiums.

Car Model

The car insurance policy premium depends on the make and model of your vehicle. Models with a higher price usually have a high premium due to their higher repair costs. As a result, luxury cars, limited-edition models and racing cars carry higher premiums compared to more affordable and popular models.

Insured Declared Value

The other thing that affects the car insurance premium is the Insured Declared Value (IDV) of your car. The car’s insured declared value depends on the market value and depreciation value. The higher the IDV, the higher the premium and the maximum insurance coverage provided by the insurer.

Policy Type and Add-on

Another aspect that has an impact on the car insurance premium is the type of car insurance policy and add-ons included in the policy. Each add-on has its own prices and the more you add, the higher your premium.

No Claim Bonus

Learning what NCB in insurance is is also helpful. It is a massive discount on premiums that insurance providers offer for not making claims for consecutive years. This discount keeps on increasing every year till it reaches the maximum limit.

Deductibles

The deductible is an amount that the policyholder agrees to pay, while the rest is covered by the insurance provider in case of vehicle damage. Car insurance policies with higher deductibles generally have lower premiums, as the deductible lowers the insurer’s risk.

Calculate Your Car Insurance Premium Instantly

• Opt for a Usage-Based Plan: If you drive only occasionally, you can opt for a usage-based car insurance plan. These let you pay for the kilometres you actually drive based on odometer readings.
• Install Security Devices: Certain security devices, such as anti-theft alarms, GPS trackers, immobilisers and parking sensors, make you eligible for lower premiums. Make sure to know your insurer’s requirements regarding these discounts.
• Lower Insured Declared Value: A lower IDV lets you get lower premium rates. However, you should remember that it also lowers your potential reimbursement, and aim to strike a balance between costs and benefits.
• Take a Defensive Driving Course: Certain driving courses make you eligible for lower premium rates based on the terms of Mysore car insurance. It also helps you maintain a clean driving record, which lets you get favourable prices.
• Get a Voluntary Deductible: Many insurers allow you to opt for voluntary deductibles, which lower your premium costs. The higher the deductible you pay, the lower the costs to purchase the car insurance plan.

Choose the Right Type of Policy

Understand your needs, including the coverage amount you require, driving-related risks and your budgetary constraints. This will help you figure out the right type of four-wheeler insurance Mysore that you need, e.g., comprehensive plans for the best coverage or third-party plans for the highest affordability.

Determine the IDV You Need

Insurers generally let you choose the IDV amount for your car insurance policy within certain limits. You should choose this amount carefully. If it’s too low, you will have to bear most of the repair expenses, whereas if it’s too high, you will have to pay expensive premiums.

Check No Claim Bonus and Riders

Before you choose the best car insurance Mysore, you should check the No Claim Bonus offered by your insurer. A higher yearly bonus and a bigger maximum limit save you more money in the long run. Also, check the rider options being offered, their costs and whether you need them.

Claim Settlement Ratio and Customer Reviews

Check how high the Claim Settlement Ratio (CSR) of the insurance provider is to understand their credibility and trustworthiness. CSR is the percentage of claims settled by an insurer against the total claims it has received in a year. Besides a high CSR, an insurer should have good reviews and ratings and positive testimonials.

Network Garages and Cashless Repairs

Network garages include authorised service centres and garages that have partnered with an insurance company. The best car insurance in Mysore should provide good network coverage not only in the surrounding areas but also elsewhere in India. A wider network means that if your vehicle is damaged on a trip, you can still get cashless repairs.

Step 1: Scroll to the top of this page, and click on ‘My Policy’.

Step 2: Sign in using your registered mobile number, email ID or policy number.

Step 3: Navigate to the ‘Policy Download’ section and enter your policy number or car registration number.

Step 4: Press the ‘Download’ button and save the PDF copy of your policy document.

The cashless network garage facility offered by TATA AIG allows policyholders to take their vehicle for repair without paying a penny. The cashless facility simplifies the whole claim process with no complex paperwork or delays. We currently offer more than 5700+ garages all across the country, with many reputable service centres located in Mysore.

To get cashless claims, go to the cashless network garage page and enter the city "Mysore" and the brand name of your car. All the garages that have tied up with TATA AIG will appear on the screen. Then, follow the instructions we have provided above to file a cashless claim.