Car Insurance in Raipur

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Car Insurance in Raipur

With rapid city development at its peak, Raipur has been facing major traffic congestion issues along its city squares. With the chances of collisions and unexpected risks on the rise, car owners in Raipur need to invest in comprehensive car insurance policies.

A comprehensive car insurance policy not only provides standard financial protection against physical damage to the car but also covers bodily damage that results from accidents.

However, purchasing a car insurance policy in Raipur can be a tedious process. Hence, mentioned below are details that are sure to make the process of purchasing a new four-wheeler insurance a little easier.

Why Do You Need a Car Insurance Policy in Raipur ?

As mentioned above, Raipur has been facing major congestion issues, which have led to a rise in the frequency of unexpected road incidents. Although all car owners are mandated to acquire third-party car insurance, this coverage may meet all insurance needs during such high-risk situations.

Investing in a more comprehensive approach during such situations provides peace of mind as all insurance needs are covered under one policy. With the availability of Comprehensive Car Insurance Policy and Stand Alone Own Damage Car Insurance Policy alongside Stand Alone Third Party Car Insurance Policy, buyers can now choose coverage that aligns with their insurance preferences.

Key Features and Benefits of Tata AIG’s Car Insurance in Raipur

Key Features Benefits Of Tata AIG Car Insurance
Savings & Affordable Premiums Save up to 75% on car insurance premiums by buying a policy online
Claim Assistance Tata AIG’s 650 claim experts across India ensure an easy and quick claim process 
High Claim Settlement Ratio Tata AIG’s 99% claims settlement ratio as of FY 2022-2023 can assure a high settlement ratio for car insurance claims
Cashless Repairs Tata AIG’s network of over 7500 garages ensures cashless services for car repairs
Damages to third-party Damages to a third-party or third-party property are covered
Own Damage Cover With Tata AIG’s Own Damage cover for cars , Tata AIG can cover damages from accidents, man-made disasters, and natural disasters
Customisable with Add-ons Up to 17 add-ons to protect the four-wheeler with an all-round car insurance policy
No Claim Bonus (NCB) Up to 50% discount on car insurance premiums after 5 consecutive claim-free years
Buy/Renew Car Insurance Online Quick renewal of a car insurance with an easy 3-step process with Tata AIG

Types of Tata AIG Car Insurance Raipur

Alongside the standard Stand Alone Third Party Car Insurance Policy that is mandated under the law, Tata AIG also offers Comprehensive Car Insurance Policy and Stand Alone Own Damage Car Insurance Policy. Each of these policies offers coverage with its unique advantages and exclusions. Tata AIG’s Third-party Car Insurance Policy Tata AIG provides Third-party car insurance which is a mandate under the Motor Vehicle Act of 1988. Although this policy meets all fundamental requirements under the law, it provides legal and financial protection only against damages incurred by a third party. This policy does not financially protect the car of the policyholder. Hence, it is beneficial to consider a comprehensive policy for overall protection.

Inclusions Third-party Liability
Inclusions Third-party Property Damage 
Inclusions Legal Expenses
Inclusions Personal Accident Cover
Exclusions Own Vehicle Damage
Exclusions Personal Injury to Owner/Rider
Exclusions Non-Accident-Related Damages
Exclusions Driving Under the Influence

Tata AIG’s Standalone Own Damage Cover Car Insurance policy Tata AIG provides a Standalone Own Damage Cover car Insurance policy which just happened to be the ideal pairing to an existing Third-party car insurance policy. Unlike third-party car insurance, this policy focuses solely on providing coverage to the vehicle of the policyholder. This policy does not cover losses incurred by the third party due to the insured vehicle.

Inclusions Accidental Damages
Inclusions Fire and Explosion
Inclusions Man-made Damages
Inclusions Theft or Malicious Acts
Inclusions Personal Accident
Exclusions Third-party Liabilities
Exclusions Depreciation
Exclusions Electrical & Mechanical Breakdown
Exclusions Drunk Driving
Exclusions War or nuclear risks
Exclusions Driving without a Licence
Ideal For This particular policy is ideal for vehicle owners who have already acquired Third-party car insurance but would also want more comprehensive coverage. 

Tata AIG’s Comprehensive Car Insurance Policy Tata AIG provides a Comprehensive car insurance policy which offers the broadest coverage among all three car insurance types. A comprehensive car insurance policy provides protection beyond the standard car insurance coverage. It covers both third-party liabilities as well as damage incurred by the insured vehicle.

Inclusions Theft
Inclusions Damage Beyond Repair
Inclusions Accidental Damage
Inclusions Natural Disasters
Inclusions Fires
Inclusions Vandalism
Inclusions Third-Party Property Damage And Injuries
Inclusions Personal Accident Cover
Inclusions Policy Specific Add-Ons
Exclusions Ordinary Wear And Tear Due To Usage
Exclusions Damage Caused Due To Driver/Owner Negligence
Exclusions Damages Outside The Geographical Area
Exclusions Damage Caused Due To Driver/Owner Driving Without A Valid Licence
Exclusions Damages Caused Due To War Or War-Like Instances
Exclusions If The Private Vehicle Is Used For Commercial Activities
Exclusions If The Private Vehicle Is Engaged In Speed Racing, Adventure Sports, Or Similar Activities
Ideal For This policy is ideal for car owners wanting a broad range of covers under one policy. 

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

Parameters Third-Party Car Insurance  Comprehensive Car Insurance 
Extent of coverage Covers Third-party Liabilities, damages to the insured car due to theft, accidents, and natural/manmade disasters.  Provides all-around coverage for the policyholder as well as the insured car and the third party involved. 
Legal Mandate Mandated under the Motor Vehicle Act of 1988  Not mandated by the law.
Cost Affordable due to basic coverage. Expensive due to extensive coverage.
Add-ons Cannot enhance coverage with add-ons. Offers a variety of add-ons.
Customisation Limited customisation options Offers extensive customisation.
Claims Claims processes are straightforward and focus on third-party liabilities.  It may involve more detailed assessments for processing claims due to broader coverage. 

What is the Car Insurance Rate in Raipur?

Various factors affect a car’s insurance premium rates. Here are some of the important factors that influence car insurance premium rates:

Insured Declared Value (IDV):

IDV plays a crucial role in determining the current market value of a car. The current market value determines the maximum claim amount that can be processed in the event of theft or total loss. Higher IDV leads to higher premium rates due to increased coverage.

Age of the Car:

Premium rates can vary depending on the age of the car insured. Newer cars typically have higher premiums, while older ones have lower premium rates due to depreciation in their market value over time.

Insurance Coverage:

The type of insurance policy chosen for the car directly impacts the premium rates. Third-party insurance offers basic coverage at lower premiums, while comprehensive insurance may incur higher premium rates due to its extensive coverage.


Opting for additional coverage options through add-ons can increase the premium rates for car insurance. The number and types of add-ons chosen influence the premium amount as each add-on offers a specific additional procession for the vehicle.

When confused with the premium rate of a chosen car insurance, simply use Tata AIG’s new car insurance calculator to get accurate quotations for the car’s insurance premium.

Best Car Insurance Add-Ons to Get in Raipur

No. Add-ons Description
1 No Claim Bonus Protection This add-on safeguards the No Claim Bonus discount, which allows policyholders to make claims without losing the discount during the renewal.
It encourages safe driving behaviour and responsible claim management. 
2 Roadside Assistance This add-on offers 24/7 support in the event of a breakdown and ensures prompt assistance in times of need.
3 Repair of Glass Fiber and Plastic Parts This add-on allows the repair of damaged glass, fibre, and plastic parts without affecting the No Claim Bonus discount. 
4 Daily Allowance This add-on provides financial assistance for transportation expenses when the insured car is under repair. 
5 Emergency Transport and Hotel Expenses This add-on offers cover for overnight accommodation expenses as well as travel costs if a policyholder is stranded away from home due to a car accident. 

How to Buy and Perform Car Insurance Renewal Raipur with Tata AIG

How to Buy Car Insurance

Step 1: Navigate to the official website of Tata AIG.

Step 2: Click on the “Car Insurance” page.

Step 3: Fill in your required Car registration details

Step 4: Click on “Get Price” for policy details.

Step 5: The online Car insurance calculator will display your Car insurance policy price on the page that loads.

Step 6: Next, you will find IDVs on the screen; from these, you need to choose the IDV that is right for you.

Step 7: After that, your car insurance premium details will be displayed for you.

Step 8: Finally, you need to pay your premium amount using any given mode of payment. Once your payment is successful, you will receive soft copies of your insurance on the registered email ID.

How to renew Car Insurance

Step 1: Navigate to the official website of Tata AIG.

Step 2: Select the “Car Insurance” page.

Step 3: Fill in your Car registration details

**Step 4:**Click on “Renew” to renew your existing insurance policy.

Step 5: Now, the online Car insurance calculator will display your policy price.

Step 6: Next, you can view IDVs on the screen and select the right one according to your requirements.

Step 7: The No Claim Bonus (NCB) value of the previous year will be displayed on your screen.

Step 8: Next, your Car insurance premium amount will be displayed.

Step 9: Here, you need to pay your premium amount for Car insurance renewal. You can choose any given payment mode, and after successful payment, you will receive soft copies of your insurance documents.

How to File a Claim for Car Insurance in Raipur?

Reimbursement Claims

Step 1: Connect with the Tata AIG insurance executive after the incident or visit the Claims Process page.

Step 2: Provide the executive with your policy details, vehicle information, and details of the incident. Alternatively, fill in the details required online through the “Claims Process” page.

Step 3: Under the claims process, you can opt for self-inspection of the car. Our executive will survey the damages incurred to your car. You can then send it to your preferred garage.

Step 4: After your vehicle is repaired, provide the insurer with repair bills, policy documents, and a certificate of registration to file a reimbursement claim.

Step 5: Finally, the insurer will release the claim amounts after verifying all documents and certificates.

Cashless Claims

Step 1: Connect immediately with a Tata AIG insurance executive after a theft or accident.

Step 2: Register your claim within 48 hours of the incident by providing the insurer with policy details, vehicle registration information, and accident details.

Step 3: The insurance executive will then survey damages that occurred to your vehicle.

Step 4: Once the survey is completed, your vehicle will be sent to the network garage for repair. The insurer will then proceed with the claim settlement process and pay for expenses involving your insured car.

Documents Needed for Car Insurance Claims in Raipur

  • A verified copy of the First Information Report (FIR)

  • A copy of the vehicle’s Registration Certificate (RC)

  • A copy of the driver’s licence

  • A copy of the policy documents

  • The original keys to the vehicle

  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30

  • NOC and Form 35 from the lender where the car has an active loan

  • No Trace Report from the police in cases of vehicle theft

  • The claim form, duly filled and signed by the insured

Tata AIG Cashless Network Garages for Car Insurance in Raipur

Along with an extensive range of customisable options to choose from, opting for Tata AIG’s comprehensive car insurance also provides the benefit of being able to access its network of cashless garages. Tata AIG has over 7500 cashless garages nationwide in its network that ensures all its policyholders receive quality care during pressing times.

These network garages are equipped with professionals who will provide the optimal repair solutions for the insured vehicle. Moreover, searching for one of Tata AIG’s cashless garages has now become easier, thanks to the online garage locator. All that is needed is the provision of location and vehicle details to get the search started and the application will provide a list of suitable garages based on the information that was provided.

Furthermore, with Tata AIG’s 24/7 Toll-Free Number, 1800-266-7780, there is always a reliable executive on the line to help with queries related to 4-wheeler insurance. Invest in car insurance for your precious vehicle with Tata AIG today.

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 can I find car insurance near me?

How can I find car insurance near me?


You can simply access the Tata AIG website or visit the Contact Us page to conveniently locate the nearest car insurance. Simply provide all details under the ‘Tata AIG Branches' action and you should have a list of suitable branches ready for your visit.

Will increasing my voluntary deductible reduce my car insurance premium rates?


Yes, as increasing voluntary deductibles reduces risks from insurance claims, it may lead to a reduction in car insurance premiums.