Car Insurance in Telangana

• Road accidents and resulting fatalities in Telangana have increased from 19,164 and 6,668 in 2020 to 25,934 and 7,281 from 2020 to 2024, according to the Transport Department.
• According to a road accident study, there are 1059 road accident black spots in Telangana, including national, state and local highways. There are 71 black spots in Cyberabad, 67 in Hyderabad, 46 in Warangal, and 34 in Nizamabad that are prone to accidents.
• Road design and infrastructure issues, such as poor lighting, lack of signage, flaws in road design and geometry, and inadequate traffic management, are leading causes of accidents at these black spots.
• Encroachment of roads, unauthorised street parking, poorly maintained roads, violation of traffic rules, careless driving and lack of parking spaces are the leading causes of traffic congestion and accidents, as per a 2025 study.
• Between 2001 and 2021, the number of registered motor vehicles in Telangana has grown at 38% CAGR, the highest out of any Indian state, as per a study. This growth has overwhelmed the state’s infrastructure, leading to high traffic risks.

Get Financial Protection

Car insurance in Telangana provides you with a crucial safety net and ensures you have a usable means of transport. It covers the expenses of repairing or replacing your car due to unforeseen circumstances, such as accidents, theft, fire incidents, and natural disasters, saving you from hefty bills.

Covers Third Party Liability

Causing damage to other vehicles and property, injuries and fatalities can result in expensive legal fees and court settlements that drain your finances. Car insurance plans covering third-party claims pay for these expenses, keeping your savings safe from massive financial liabilities.

Protection Against Theft

According to the Hyderabad City Police, 1501 cases of automobile theft occurred in just 2025 alone in Hyderabad. As car theft has increased across India in recent years, car owners in Telangana need to safeguard their finances from the cost of replacing their vehicle. A car insurance plan can cover the full replacement cost.

Legally Mandatory

Having third-party insurance coverage for your car is legally mandatory to drive on any public roads in Telangana. Not having a valid car insurance plan violates traffic laws as per the Motor Vehicles Act, resulting in fines from ₹2,000 to ₹4,000 and potential jail time. Make sure you have a third-party or a comprehensive car insurance plan before driving.

Comprehensive Car Insurance Plan

A comprehensive car insurance plan provides coverage against both damage and losses due to thefts, accidents, floods, cyclones, riots and other risks. TATA AIG’s Comprehensive Plan offers broad coverage at competitive prices with personalisation options from 20 add-on covers. The biggest benefits that it includes access to 6300+ cashless garages, No Claim Bonus up to 50% and ₹15 lakh personal accident cover.

View Comprehensive Car Insurance Plans

Own Damage Car Insurance Plan

Our Own Damage Insurance Plan makes it easy and cost-effective to cover your car against damage or loss if you already have a third-party plan. It provides dedicated coverage against accidents, theft, fire, natural disasters, transit damage, etc., with personal accident coverage. You can also customise the coverage with several add-ons to match your insurance needs.

View Own-Damage Car Insurance Plans

Third-Party Car Insurance Plan

This is the most affordable and basic car insurance policy type. TATA AIG’s Third-party Insurance Plan provides cost-effective coverage against liabilities arising out of third-party injuries, property damage, fatalities and legal defence and representation expenses. Other benefits include our 24/7 customer support, instant policy issuance, coverage for permitted drivers, personal accident cover, and legal liability coverage.

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Car Insurance Telangana Inclusions

• Fire: Damage for fire incidents, self-ignition, explosion and lightning
• Theft: Provides compensation for the stolen insured vehicle up to Insured Declared Value (IDV)
• Personal Accident Cover: Compensation for the owner-driver’s death or disability
• Transit Damage: Covers damages incurred while the insured car is in transit via road, air, rail, waterways and elevators
• Third Party Liabilities: Covers legal liabilities and compensation for third-party injuries, death and property damage
• Manmade Disasters: Damage from strikes, terrorist acts, riots, and other malicious acts
• Natural Calamities: Damage from storms, hurricanes, cyclones, floods, landslides, hailstorms, and other natural disasters

Car Insurance Telangana Exclusions

• Usage Violations: Using your personal vehicle for commercial purposes or dangerous activities like speed racing and crash testing
• Drunk Driving: When the vehicle is driven by a person under the influence of drugs, liquor or other intoxicating substances
• Negligence: Damage or loss from the driver’s own negligence
• Extraordinary Situations: Damages from war, war-like operations or nuclear attacks

Disclaimer: The lists above are not exhaustive and subject to policy terms and conditions. Check the Policy Wording document to know more.

1. Return to Invoice Cover: The Return to Invoice is an add-on that covers the difference between the vehicle’s IDV and on-road price and covers registration charges, road tax and other expenses.

2. Depreciation Reimbursement: The Zero Depreciation Cover helps you avoid out-of-pocket expenses on repaired and replaced car parts. It covers the full depreciation deduction on car parts.

3. Roadside Assistance Cover: The Roadside Assistance Add-On provides breakdown-related services, including on-the-spot repairs, flat tyre repair, fuel delivery, and overnight hotel arrangements.

4. Engine Secure Cover: The Engine Secure Add-On covers the cost of repairing and replacing engine parts, gearbox and transmission damaged by water or oil leakage, saving you from very expensive bills.

5. Daily Allowance Plus: The Daily Allowance Plus Cover provides you with either daily cash or an arrangement for an alternative vehicle when the insured car is being repaired. These benefits last up to 15 days.

6. No Claim Bonus Protection: The No Claim Bonus (NCB) Protection Cover saves your accumulated NCB from being depleted. It covers a single claim in the current policy period and requires 2 or more claim-free years.

7. Consumable Expenses: This add-on covers the cost of small items and consumables during valid claims. It covers the cost of screws, washers, gearbox oil, engine oil, lubricants, oil filter, distilled water and nuts and bolts.

8. Misfueling Cover: Accidentally filling in diesel instead of petrol can cause a lot of damage. The Misfueling Cover pays for draining, flushing and repairing the fuel system if this happens.

9. Tyre Secure: The Tyre Secure Cover pays for repairs and replacement of car tyres damaged due to an accident, but doesn’t cover regular wear and tear. It’s useful for car owners who drive on rough roads.

10. Emergency Transport and Hotel Expenses: This add-on pays for overnight hotel accommodation and transportation expenses to get to the nearest city or residence when an accident disables your car.

Disclaimer: The list isn’t exhaustive, and it’s subject to terms and conditions. Please read the Policy Wording document before purchasing.

Easy Online Purchases

You can buy car insurance online from TATA AIG in just 3-4 steps that take a few minutes. As soon as you have completed the purchase, we will instantly issue the policy and send the policy document directly to your email, which you can access at your convenience.

Pay As You Drive

At TATA AIG, we offer usage-based car insurance where the premium amount depends on your actual usage, based on the number of kilometres you have driven. This option is especially useful if you don’t drive often or only use your car for holidays and special occasions.

Hassle-Free Claim Experience

We have carefully designed a seamless claim process. From initiating claims to documentation and final verification, the entire process is designed to be user-friendly. If you are stuck at any point, don’t hesitate to contact us via our 24/7 customer service helpline and get help from our dedicated team of 750+ claim specialists.

Personalisation Options

You can easily compare car insurance in Telangana, including different plans and add-ons, and select the best insurance plan using our comparison tool. Choose short-term or long-term plans or choose from 20 add-ons, including Roadside Assistance, Zero Depreciation, Return to Cover or Tyre Secure, based on your needs.

Cost-Effective Plans

If you are looking for cheap car insurance in Telangana, explore our plans with annual premiums starting at ₹2094. You can lower your costs further by getting discounts of up to 85% on online purchases. For renewals, you can claim a No Claim Bonus of 20% on premiums for the first claim-free year, which goes up to 50% after five years.

Step 1: Scroll to the top of this page and find our premium quote tool. Enter your car’s registration number and click the ‘Get Price’ button.

Step 2: Provide the personal and car-related details as required. Add/modify base policy coverage and add-ons (if required).

Step 3: You will get instant premium quotes based on your entered details. If you want to proceed, make the online payment to buy car insurance in Telangana. Remember to download your policy document after successful purchase.

Buy Car Insurance Telangana

• Gets You Continuous Security: A lapsed car insurance plan leaves you financially vulnerable to hefty repair bills and the risk of losing your car. By renewing your car insurance on time, you can ensure continuous financial protection.
• Retains Your No Claim Bonus: The No Claim Bonus accumulates over the years up to the insurer’s maximum limit and gets lost when your policy lapses. With a timely car insurance renewal, you can retain all your NCB benefits.
• Savings on Costs: Renewing your online car insurance in Telangana on time allows you to avail of various offers and discounts for continued customer loyalty. It also prevents extra costs, including fees for vehicle inspection applicable to lapsed policies.
• Avoids Legal Troubles: As mentioned earlier, you cannot legally drive in India without third-party insurance. You can be caught by Telangana’s traffic authorities and held liable for fines, vehicle seizure or imprisonment. Having an active policy avoids these troubles.

Step 1: Scroll to the top and find ‘Renewal’ > ‘Car’ to select car insurance renewal. Type in your car registration number and click on ‘Renew’.

Step 2: Check the updated cost of car insurance renewal in Telangana. Add/modify the coverage and other terms and add-ons before confirming.

Step 3: Review the final price and complete your payment to renew your car insurance policy.

• Car registration certificate (RC)
• Driving licence
• Duly filled claims form
• Photos or videos of your damaged vehicle
• FIR/police report for theft, major damage and third-party claims
• Car insurance policy documents
• Proof of identity and residential address
• Court summons or notice for third-party claims
• Medical bills for third-party injury claims
• Original car keys and RTO cancellation for total loss/theft
• NOC from the financial institution for a loaned vehicle

Filing Cashless Claim

Step 1: Inform TATA AIG and file your claim within 48-72 hours of the incident. You can file your claim by logging on to the TATA AIG portal or going to the claims support portal.

Step 2: Fill out all required details, including your contact number and vehicle details. Then, submit the claims form.

Step 3: You will get a link on your phone where you have to upload photos/videos of your damaged car. Next, receive our appointed surveyor to complete the vehicle inspection process.

Step 4: Take your damaged car to one of our cashless garages and get the repairs done. We will settle your bills directly with the network garage.

Filing Reimbursement Claim

Step 1: Get the repairs at a non-network garage and pay for the repair costs on your own. Get all the required documents, including invoices, repair estimates and receipts.

Step 2: File a reimbursement claim on the TATA AIG portal, claims page or our toll-free helpline (022 6489 8282). Ensure to submit all relevant bills and proof.

Step 3: A TATA AIG surveyor will be appointed to verify your claim. Coordinate with the representative to process your claim, if needed.

Step 4: After verification and approval, we will send you the reimbursement as per applicable policy terms.

Many different factors determine car insurance prices in Telangana. The type of policy, coverage amount, add-ons chosen and discounts that you are eligible for are the three main factors that affect premium rates. Other important factors include the region of registration, your driving record, claim history and the car’s age, engine/battery capacity, etc. Here are the main components of your car insurance premium:

As mentioned before, a number of factors affect your car insurance premium costs, which can make calculations difficult. You can use our free online car insurance calculator to estimate the costs based on details, such as your car’s registration number, IDV, location and add-ons.

• Insurance Coverage and Add-Ons: Comprehensive plans cost more than own damage and third-party plans as they offer wider coverage. Premiums also depend on the type and number of add-ons you include.
• Deductible: The deductible is the amount you must pay out of your pocket, expressed as a percentage of the claim amount. Opting for a voluntary deductible lowers your premium costs.
• Driving Record: A car owner with a clean driving record is eligible for a lower premium than someone who has a history of causing accidents and traffic violations.
• Engine/Battery Capacity: Cars with bigger engines and battery capacity carry a higher premium cost as they are more expensive to repair and have costlier spare parts.
• Insured Declared Value: The Insured Declared Value, or IDV in car insurance, is the maximum payout amount you can claim based on the car’s market price and depreciation. A higher IDV increases your premium.

Calculate Your Car Insurance Premium Instantly

• Opting for Multi-Year Plans: Insurers generally offer lower rates for multi-year plans than annual plans, as you are locked in for a longer time.
• Comparing Online Quotes: Compare car insurance policies online to find the best car insurance plan for your needs. Check the discounts, coverage limits, costs and terms and conditions to find the right plan.
• Take Advanced Driving Courses: Certain defensive driving courses from driving associations and driving schools not only lower the chances of accidents but also make you eligible for discounts from your insurer.
• Avoid Filing Minor Claims: Filing claims for minor damages depletes your No Claim Bonus and other discounts. It also makes you a high-risk insurer, leading to higher costs.

• Assess Your Insurance Needs: Figure out the type of policy and coverage you need by examining your needs, including driving habits, risk of accidents, and the out-of-pocket expenses you can bear.
• Get the Optimal IDV: Buy car insurance in Telangana that provides an IDV based on your car’s market value. Pick an IDV that’s high enough to cover your claim amount but low enough to have an affordable premium.
• Choose the Right Add-Ons: Based on your insurance needs and budget, include add-ons that provide the coverage you need for your unique risks. For example, if you drive in low-lying areas, get an add-on that covers water-related damages.
• Understand the Claim Process: The best car insurance in Telangana will have the simplest and easiest filing and settlement process for claims. Also, check the insurer’s network size and if it includes top garages in Telangana near where you live and work.

Step 1: Click on the ‘My Policy’ menu at the top right corner of this page.

Step 2: Log in using your registered mobile number or email and OTP.

Step 3: Go to ‘Policy Download’ and enter your car registration number or insurance policy number.

Step 4: Click on the download button to save a digital copy of your policy documents.

TATA AIG offers more than 6300 garages across India, where you can get 100% cashless repairs, subject to policy limits. We also have many authorised service centres and multi-brand garages in Telangana, with a presence in cities like Hyderabad, Nizamabad, Karimnagar and Khammam. Visit our cashless garage page and enter your city and car brand name to find cashless garages near you.