Car Insurance in Patna

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Car Insurance in Patna

Patna is the capital of Bihar and a major urban city with a large number of vehicles running on its roads. The city's traffic police department always works to protect civilians and maintain road safety.

However, despite their efforts, some incidents are bound to happen, and that is why the law always suggests that people stay insured and protected by buying car insurance policies.

But the question is, which car insurance policy is correct and provides the best protection? Do not worry. This article will teach you all about various car insurance policies.

Why Do You Need a Car Insurance Policy in Patna?

As of today, Patna has over 17 lakhs registered vehicles, and these numbers are going to rise in upcoming years. Patna is one of the important urban cities whose road transportation connects several other cities.

All this traffic of vehicles moving on Patna's roads often leads to incidents like accidents and collisions. In such cases, vehicle owners need to protect themselves from any financial and legal losses.

Moreover, under the provisions of the Motor Vehicles Act 1988, every vehicle owner must have valid motor insurance with third-party liability insurance to avoid being penalised while driving in Patna.

Key Features and Benefits of Tata AIG Car Insurance in Patna

Key Features and Benefits  Details
Third-Party Liability Coverage Protection against third-party legal and financial liabilities
Cashless Repair Service Get cashless damage repair services at our network garages
Claim Assistance  Experience easy claim procedures with assistance from our team of insurance experts
High Claim Settlement Ratio Tata AIG boasts a 99% claims settlement ratio as of FY 2022-23 and has a high settlement ratio of car insurance.
Unique Add-ons Get extra protection with our unique add-ons for individual needs
No Claim Bonus Get up to 50% discount on car insurance premiums after 5 consecutive claim-free years
Easy Buyal and Renewal Option Online facility for easy insurance buying and renewal 

*Terms and Condition Apply

Types of Car Insurance in Patna

Third-Party Car Insurance Policy A third-party car insurance policy protects against third-party liabilities that occur due to an insured vehicle. It includes coverage against legal and financial liabilities for third-party persons and property damages.

Insurance  Inclusions Insurance Exclusions
Third-Party Liability Own Vehicle Damage
Legal Expenses Non-Accidental Damages
Personal Accident Cover Personal Injuries
Property Damage Damages due to Drunk Driving
Ideal For Under the law, having at least third-party insurance is mandatory for every vehicle owner. 

Standalone Own-Damage Car Insurance Policy A standalone, own-damage car insurance policy only protects the insured vehicle and pays for its expenses in case of accidental damages.

Insurance  Inclusions Insurance Exclusions
Accidental Damages Third-party Liabilities
Theft Drunk Driving
Natural Disaster Damages Depreciation
Fire & Explosion Damages Electrical and Mechanical Breakdown
Ideal For
Individuals living in accident-prone and theft-prone areas or people who have expensive cars.

Comprehensive Car Insurance Policy A comprehensive car insurance policy is an extensive insurance plan that protects a wide range of financial and legal liabilities to the insured vehicle and the policyholder.

Included in Insurance   Not Included in Insurance 
Accidental Damages Damages caused due to regular usage
Natural Disaster and Man-made Damages Damage caused due to driver’s negligence
Fire and Explosion Damages Damage caused due to vehicles used for illegal activities like racing
Theft Driving without a valid driving licence
Ideal For
Vehicle owners who want extensive protection for themselves and their vehicles. 

Best Car Insurance in Patna: Third-Party vs Comprehensive Car Insurance

Basis  Third-Party Car Insurance Comprehensive Car Insurance
Coverage Third-party car insurance provides coverage against damages to third-party persons and property that occur due to the insured vehicle. It provides extensive coverage against third-party damages, theft, total loss, damages due to human-made and natural activities and more. 
Third-party Coverage Provides coverage against third-party financial and legal liabilities.  Comprehensive insurance provides legal and financial coverage against every third-party damage involving an insured vehicle. 
Add-ons There are limited or no add-ons provided with third-party insurance.  It has unique add-ons for extra protection. 
Customisation No customisation is available as it is a standard third-party car insurance.  Comprehensive insurance provides customisation as per individual needs. 
Cost Third-party insurance is less expensive as it only protects against third-party liabilities.  It is an extensive insurance with the facility of add-ons. Thus, it is more expensive. 

What is the Car Insurance Rate in Patna?

Car insurance premium rate depends on various factors, such as:

Registration Location: The registration location of the car affects the insurance premium rates. If a car is registered in a rural area or small town, then it would have lower premium rates as compared to cars registered in metropolitan areas.

Make and Model of Car: The make and model of the car also affect its premium; expensive supercars have higher premium rates than regular cars.

IDV: The IDV full form is Insured Declared Value; it is the maximum claim amount a car insurance holder can get in case of total damage or theft of the insured car. The higher the IDV value, the more will be the insurance premium amount.

Driving and Claim Records: If a policyholder has clean driving records and a low claim history, they might get a discount on their insurance premium.

Add-ons: Add-ons act as protective padding along with your insurance and come with some extra payment.

Best Car Insurance Add-ons to Get in Patna

Add-ons in a car insurance policy are like protective gears that provide extra protection along with insurance. You can choose any add-on for your insurance, but these are some of the best add-ons to have.

Zero-Depreciation Add-on: With this add-on, policyholders get coverage against depreciation costs deducted from their car’s parts during an insurance claim.

Return to Invoice Cover: With this car insurance add-on, the policyholder will get reimbursed with the invoice price of the car if their vehicle suffers total loss or gets stolen.

Roadside Assistance Add-on: It is a beneficial add-on for people who travel frequently or travel for long distances. With this add-on, the policyholder gets on-site repair service when their vehicle breaks down in transit.

Consumable Expenses Add-on: This add-on covers the cost of consumables, such as engine oil, gearbox lubricant, etc., if the insured vehicle suffers accidental damage.

Engine Secure: It is an excellent add-on for vehicle owners living in flood-prone areas. With this add-on policyholder is paid for expenses that occurred due to the repair and replacement of internal parts of the engine destroyed due to flood.

How to Buy and Perform Car Insurance Renewal in Patna with Tata AIG?

How to Buy Car Insurance Policy with Tata AIG

Step 1: Visit the Tata AIG Car Insurance page.

Step 2: Fill in your car registration details under the “Car” tab and then click on “Get Price”

Step 3: Next, provide your personal and vehicle details as requested.

Step 4: Now, you need to select your policy type and add-ons as per your coverage needs.

Step 5: Review and confirm all the insurance details like policy coverage, premium amount, policy terms and more.

Step 6: Proceed with payment using the provided payment options.

Step 7: Once the payment has been completed, you will receive soft copies of your Tata AIG car insurance documents at your registered email address.

How to Renew Car Insurance Policy with Tata AIG

Step 1: Go to the official Tata AIG Car Insurance website.

Step 2: Now, provide your vehicle registration details under the “Car” tab and then click on “Renew”.

Step 3: Fill in your existing car insurance policy details as requested.

Step 4: Now, select the type of car insurance policy and add-ons as per your coverage needs.

Step 5: Now, make payment of your insurance premium using the given payment options.

Step 6: Once the payment is done successfully, you will receive soft copies of your car insurance at your registered email address.

How to File Claim for Car Insurance in Patna?

Tata AIG provides you with options for car insurance claims; you can opt for a cashless claim or get reimbursement for your damages.

Cashless Car Insurance Claim

  • To claim cashless insurance with Tata AIG, you must register on our Claim Process page and start the procedure.

  • Once you have filled out the form and submitted all the required documents, our insurance claim executive will visit you to confirm the damages and verify the documents.

  • After the survey is completed, you send your vehicle to our network garage for damage repair.

Our insurance executive will directly connect with the network garage and pay the due bills for all repairs. The amount will later be deducted from the sum insured.

Reimbursement Claim

  • The claim procedure for reimbursement claims is different from that of cashless claims. In a reimbursement claim, the policyholder needs to pay for damage repairs. Moreover, they have the option to get repair services from their preferred garage. To get reimbursed, they need to provide the insurer with the original damage repair bills.

  • To begin the reimbursement claim procedure, connect with our Tata AIG insurance executive or visit the Claim Process page online to provide the necessary details.

  • After this, you get your claim registration number; then, you can send your vehicle for repair to your preferred garage.

  • Once your vehicle has been repaired, you need to provide the insurance executive with the original repair invoice, bills and other requested documents to verify and confirm your liability amount.

  • Finally, when your claim is verified and processed, your claim settlement will be initiated.

Documents Required for Car Insurance Claim in Patna

  • Duly filled and signed claim insurance form

  • Copy of FIR for accidental case

  • Proof of identification (Aadhar card, voter ID card, PAN card)

  • Proof of residence (Aadhar card, PAN card, voter ID card, utility bills)

  • No trace report from police and letter to RTO in case of stolen vehicle

  • Original invoices and repair bills (for reimbursement claim)

  • Vehicle details: vehicle registration certificate, licence plate, original keys

  • Copy of your valid driving licence

  • Copy of car insurance policy

  • Original estimate invoice and payment information for repairs done at the network garage

  • Original hospital bills for personal accidental claim

Tata AIG Cashless Network Garages for Car Insurance in Patna

Tata AIG's cashless network garages include a vast number of tie-up garages where our policyholders can get cashless damage repair services for their cars. A cashless garage helps provide hassle-free repairment car service and speedy claim procedure and protects you from unplanned expenses.

You can find a cashless network garage in your city by using the Tata AIG garage locator. However, remember that cashless garage services are provided with a comprehensive car insurance plan. Additionally, some services might only be available in select cities.

To get detailed information regarding cashless garages and car insurance in general, connect with Tata AIG's customer support executive.

Disclaimer / TnC

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

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How to find car insurance near me?

How to find car insurance near me?


The easy way to find the right car insurance near you is to browse the websites of several insurance providers online and buy the plan best suited for your needs.

Can I drive without a licence in Patna?


No, every vehicle driver must have a valid driving licence to drive legally on the roads of Patna.