Car Insurance
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Premiums starts at ₹2094*/year
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15 lakhsPersonal accident cover
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Car insurance
Everyday risks for car owners
Why TATA AIG
Purchase Trends
TATA in news
What is Car insurance?
How car insurance works?
Why need car insurance
Who should buy
Types of Policies
Need basis Insurance
Key features
EV
Covered & not covered
Ready to get insured
Car addons
Compare plans
How to choose
Benefits
Factors
How to buy
Quick quote
How to renew
Claim
Calculate premium
Third-party price
Factors affecting Premium
Lower your Premium
GST
Reduced GST
Revised GST
NCB
NCB percentage
Factors impacting IDV
Download policy
Common mistakes
Myths vs facts
Expert advice
Important docs
Terminologies
Unable to decide?
FAQ’s
Did you know?
Road accidents are more common than you think.
Nearly 4.8 lakh cases were reported in India in 2023, a 4.2% increase from the previous year. Is your car protected?
Everyday Risks for Car Owners
Why TATA AIG is Your Trusted Partner for Reliable Car Insurance?
Personalised Coverage
Choose the benefits you need and pay only for that.
Exclusive Discounts
Save up to 85% when you purchase your policy online.
Fast Claim Settlements
Get your claims settled within days, once approved.
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TATA AIG car insurance in the news
What is Car Insurance?
Your car does more than just get you places; it’s part of your everyday life. So it deserves protection you can rely on.
Car insurance covers the cost of repairing your car if it is damaged due to accidents, theft, natural disasters, riots, strikes, or more. It also helps replace your car if it is damaged beyond repair or stolen.
With TATA AIG, you can choose what fits you best - third-party, standalone own damage, or comprehensive cover. Getting started is quick, too: get a quote in just 3 clicks and save up to 85% on your policy.
Our plans start at just ₹2094* per year. Enjoy access to 6300+ network garages for cashless repairs and 8+ add-ons to customise your cover.
Simple, flexible, and built to keep you worry-free on the road.
How Does Tata AIG Car Insurance Work?
Why Do You Need Car Insurance?
Because it is Required by Law
Repairs aren’t Cheap
Accidents Happen
Third-party Damages Can be Expensive
Because it Protects You Too
Because Theft and Fire Risks are Real
Because Breakdowns are Unpredictable
Third-party insurance is mandatory in India. Driving without it can lead to fines up to ₹4,000 and even a jail term.
Who Should Buy a Car Insurance Policy?
What are the Different Types of Car Insurance Policies?
Third-Party Car Insurance
Standalone Own-Damage Car Insurance
Comprehensive Car Insurance
Zero Depreciation Car Insurance Policy
Usage-Based Car Insurance
Third-party car insurance is the basic policy required by law for all cars in India. It covers any damage caused to another person, vehicle or property by your car and the resulting legal expenses.
The third-party car insurance plan compensates for bodily injuries or death caused to others and covers property damage up to ₹7.5 lakhs. However, it does not cover damage to your own car.
Explore Policy Benefits
Car Insurance Based on Different Need
Every car owner faces unique risks depending on the type of car, driving conditions, and how often the car is used. A car policy can be customised to suit these specific needs.
Car Insurance for Low-Mileage Drivers
Low-mileage drivers can opt for usage-based or pay-as-you-drive car insurance plans. Decide the coverage based on the kilometres you expect to drive in a year and pay only for that.
Car Insurance for Daily Commuters
Daily commuters are exposed to higher risks due to traffic conditions. They can enhance their coverage with add-ons, such as No Claim Bonus Protection Cover, Tyre Secure, Engine Secure and Key Replacement.
Car Insurance for Long-distance/ Highway Drivers
Long-distance drivers can customise their policy for additional safety by including add-ons like Roadside Assistance, Tyre Secure, and Additional Third Party Property Damage Cover.
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Key Features of TATA AIG Car Insurance Policy
Key Features
Details
Affordable Premiums
Premiums start at ₹2,094 per year. Save up to 85% on online purchases.
Quick Buy & Renewal
Buy or renew car insurance online in just 3 steps.
No-Claim Bonus (NCB)
Up to 50% discount on premium.
All-round Protection
Coverage against accidents, natural or man-made disasters, and third-party damages.
Wide Range of Add-Ons
Choose from 8+ add-ons.
Cashless Network Garages
6301+ cashless garages across India.
Claim Assistance Experts
750+ experts for quick settlements.
Personal Accident Cover
Up to ₹15 lakhs for the owner-driver.
24x7 Support
Call 022-6489-8282.
Long-term Car Insurance
Coverage for up to 3 policy years.
TATA AIG Car Insurance for Electric Vehicles (EVs)
Thinking about protecting your electric car against everyday and unexpected risks?
TATA AIG offers specialised insurance coverage for electric vehicles. An EV car policy offers standard coverage for risks, such as accidents, fire, theft, natural disasters (like floods or earthquakes), vandalism, and third-party liabilities.
It also offers an EV-specific add-on that covers damage to charging equipment from issues like arcing, self-heating, leakage of electricity, or short circuits.
What's Covered and Not Covered in a Car Insurance Policy by TATA AIG?
Inclusions
Exclusions
Repair costs if your car is damaged in an accident.
Compensates up to the Insured Declared Value (IDV) if your car is stolen.
Damages caused by floods, cyclones, earthquakes, and other natural events.
Damages caused by riots, terrorism, strikes, and fire-related incidents.
Damages that occur while your car is being transported via road, rail, air or water.
Third-party injury, death, and property damage.
Offers up to ₹15 lakhs for injuries or the death of the owner-driver.
Ready to get insured?
Protect your vehicle and secure your future with the right plan.
Need Help?TATA AIG Car Insurance Add-on Covers
Add-on covers are optional covers you can include in your car insurance policy for enhanced protection. It adds to your basic coverage and is available at an additional premium. TATA AIG offers over 20 optional add-ons to suit different car types and driving needs.
Loss of Personal Belongings Cover
Pays for loss or damage to selected personal belongings kept in the car at the time of loss or damage to the car.
Consumable Expenses Cover
Covers the cost of consumables required to be replaced, such as engine oil, gearbox oil, lubricants, nuts & bolts, and screw.
Misfuelling Cover
Covers the cost of removing the wrong fuel and replacing parts damaged due to incorrect fuelling. However, misfuelling of E20 petrol into a non-compliant car is not covered.
Daily Allowance Plus Cover
The daily allowance ambulance plus cover helps you cover the cost of a hired vehicle when your car is in the garage. The benefit is available for the specified number of days.
Comprehensive vs Third-Party vs Own Damage Car Insurance
To choose the right insurance for your car, you need to understand the difference between third-party, comprehensive & own damage insurance policies.
Feature
Comprehensive Car Insurance
Third Party Car Insurance
Own Damage Car Insurance
Coverage for own damages, including accidents, theft, natural calamities, and man-made disasters
Available
Not Available
Available
Coverage for third-party injury, death, and property damage
Available
Available
Not Available
Legal Requirement
Not mandatory
Mandatory
Not mandatory (but can be purchased only if you have a third-party policy)
Premium
Higher due to broader coverage.
Cheapest as it offers basic coverage (decided by IRDAI)
Depends on the type of car and coverage.
Add-ons
Available
Not available.
Available
How to Choose the Best Four-Wheeler Insurance?
The best car insurance policy is one that provides the coverage you need while staying within your budget. Here is how you can choose and customise the best car insurance in India.
Assess your Needs
Consider your car’s make and model and the risks you are exposed to. For example, if you often drive in accident-prone zones, a comprehensive car insurance policy with wide coverage is recommended.
Compare Car Insurance Policy Options
Based on your assessment, compare different car insurance policies by looking at their coverage features, benefits, and premiums. Choose the best car insurance policy that matches your requirements.
Determine the IDV
The Insured Declared Value (IDV) is the maximum amount payable under a car insurance policy. A higher IDV increases the premium, while a lower IDV reduces it but may lead to inadequate coverage. Choose an optimal IDV.
Customise with Add-ons -
After choosing the policy and determining the IDV, enhance your coverage with suitable add-ons. For instance, if you frequently drive on rough terrain, add-ons such as tyre secure or engine secure can be useful.
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Benefits of Buying Car Insurance Online
Instant Policy Issuance
Complete your purchase in minutes and get your policy document delivered directly to your email.
Convenient and Easy
You can buy car insurance online from the comfort of being at your home at any time.
Compare Options
You can easily compare different policy options to choose the most suitable and affordable policy.
Cost-effective
You can avoid agency or intermediary charges and also benefit from online discounts.
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Factors You Should Consider Before Purchasing Car Insurance Online
Policy Type
Decide the type of car insurance plan based on your car’s specifications and usage. Third-party insurance is mandatory but offers limited coverage, while comprehensive car insurance offers broader coverage, including third-party liabilities.
Insured Declared Value (IDV):
IDV is your car’s current market value and the amount you’ll get if your car is stolen or damaged beyond repair. Choosing a lower IDV reduces your premium but may also lower the payout during a total loss.
Location
If you live or park your car regularly in a high-risk area, such as one prone to floods or theft, ensuring these factors are covered is essential. Additionally, road conditions and RTO charges can also influence premiums and coverage.
Premium
Determine the car insurance premium. Also, make a note of the deductibles, if applicable. Deductibles refer to the amount that you need to pay in case of a claim before we cover the remaining amount.
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How to Buy
Documents Required
Get Quote
How to Buy Car Insurance Online?
Purchasing car insurance online involves just a few simple steps. TATA AIG offers a user-friendly platform that allows you to choose and customise your car insurance policy to suit your needs.
1
Visit our official TATA AIG website. Click on the ‘Personal’ tab->Car Insurance.
2
Enter your car’s registration number and click on ‘Get Price’.
3
Provide the necessary car and personal details as prompted on the screen.
4
Choose your car insurance policy and include the necessary add-ons.
5
Pay the premium online and complete your purchase.
Buy Car Insurance That Truly Protects
Choose Tata AIG Car Insurance for extensive coverage, cashless claims, and 24×7 assistance. Buy now and stay covered.
How to renew
Benefits
Things to consider
How to Renew Your Car Insurance Policy?
Renewing your car insurance policy with TATA AIG is easy and straightforward. Follow these simple steps to keep your coverage active.
1
Go to the official TATA AIG website. Under the ‘Renewal’ tab, click on ‘Car’.
2
Enter your car’s registration number or your policy number and click on ‘Renew’.
3
Check the updated premium and No Claim Bonus (NCB), if applicable.
4
Select any optional add-ons you want to add to your policy
5
Pay the applicable car insurance renewal premium.
How the car insurance claim journey works?
When your car is damaged in an accident, the immediate relief is knowing you have car insurance. But, how does the claim process work?
From reporting the accident to the final claim settlement, several steps are involved. What is the difference between a cashless claim and a reimbursement claim? Why is the claim amount not always paid in full, and what gets deducted? What should you do in case of theft or total loss? And how can network garages help make the claim process easier?
Watch the video to get clear answers and understand how the car insurance claim journey works, so you know what to do and what to expect during a claim.
Cashless claim
Reimbursement claim
Documents required
Claim rejection reasons & prevention
No data available
Your claim, our responsibility
March 2026 snapshotFactors Impacting Insured Declared Value (IDV)
The Insured Declared Value (IDV) is the approximate current market value of your car and the estimated amount of maximum reimbursement you will get from your insurance policy in case your car is stolen or declared total loss due to an accident. You can decide the IDV for your car at the time of purchase. And it directly impacts your car insurance premium. While a higher IDV increases the premium, a lower IDV may result in inadequate coverage. Choosing the right IDV helps you avoid under- or over-insuring your car. Here are the factors that can affect your car’s IDV.
1
Make and Model
The make and model of your car affect its Insured Declared Value. A higher-end model will have a higher IDV compared to more affordable ones.
2
Geographical Location
The geographical location where the car was registered also impacts the IDV. The IDV of cars in metropolitan cities differs from that of cars registered in smaller towns across the country. This is because Zone A regions are at higher risk of increased traffic congestion, accidents and higher demand of the vehicle in the region.
3
Safety Features and Modifications
The type of modifications you have added to your car parts and the type of security or anti-theft devices you have installed in the vehicle also affect IDV. The higher the installation of safety features, the higher the IDV, and vice versa. Similarly, depending on the types of car modifications, the IDV might vary as it impacts the risk profile of your vehicle.
4
Usage of the Car
As your car ages, its parts wear down, resulting in depreciation. This reduces the Insured Declared Value (IDV), which is the amount your car is insured for. For example, depreciation is 5% in the first six months. After five years, depreciation reaches 50% and stays the same as the car continues to age.
5
Age and Depreciation
As your car ages, its parts wear down, resulting in depreciation. This reduces the Insured Declared Value (IDV), which is the amount your car is insured for. For example, depreciation is 5% in the first six months. After five years, depreciation reaches 50% and stays the same as the car continues to age.
Third-Party Car Insurance Premium Rates for Petrol/Diesel Cars (2024–25)
Engine Capacity
Annual Premium
Premium 3 Years Policy
Up to 1,000 cc
₹2,094
₹6,521
1,001 cc – 1,500 cc
₹3,416
₹10,640
Above 1,500 cc
₹7,897
₹24,596
Frequently Asked Questions on Car Insurance
Is car insurance mandatory in India?
Yes, as per the Indian Motor Vehicles Act, 1988, having at least a third-party car policy is mandatory in India. Also, based on a Supreme Court order issued in 2018, all new cars must be sold with a 3-year third-party car insurance plan.
Which is the best insurance for a car?
This depends on various factors. There cannot be one policy that is best for all types of cars. You can assess various factors, such as your car’s make and model, IDV, location, and usage, to determine the best car insurance policy. Compare the different options and choose a policy that best suits your requirements and fits your budget.
Which car insurance is cheapest?
Third-party car insurance is the cheapest car insurance, as it offers only the basic coverage required by law. It covers third-party liabilities, including bodily injury and property damage, but does not cover any damage to your own car.
You can consider purchasing either own damage cover with a third-party policy or a comprehensive car insurance policy for complete protection.
Which is better, 3rd party or comprehensive?
Comprehensive car insurance is always considered a better option. This is because it offers complete protection against damages caused to your vehicle and also third-party liabilities. Also, it offers a wide range of optional add-ons that can customise your car insurance policy based on your specific needs.
Can I convert 3rd party insurance to comprehensive?
Yes, you can upgrade your car insurance plan from 3rd party to comprehensive car insurance at the time of renewal. The coverage offered and the premium will be decided after the company conducts a vehicle inspection.
Is the cheapest car insurance always better?
The cheapest car insurance policy may not always be the best choice. Such policies are generally cheaper because they offer limited coverage. Inadequate coverage may not be able to cover all your repair or replacement expenses.
What are the disadvantages of third-party insurance?
Third-party insurance only covers third-party liabilities, such as property damage and bodily injuries caused to others. It does not cover any damage to your own car.
Which insurance plan is compulsory for a new car?
As per the Indian Motor Vehicles Act, 1988, having at least a third-party car policy is mandatory. And, based on a Supreme Court order issued in 2018, all new cars must be sold with a 3-year third-party car insurance plan.
Are offline and online car insurance policies the same?
Yes. Online and offline are just two different modes to purchase your preferred TATA AIG car insurance policy. So, if you purchase our car insurance online through our website, it will be the same as if you purchase it from our branch. However, you can enjoy discounts of up to 85% on premiums with an online purchase.
Is it necessary to have car insurance in India?
Yes. As per the Motor Vehicle Act, 1988, all vehicles must have at least third-party insurance. If you do not have third-party car insurance, you cannot legally drive your car on Indian roads.
What are the advantages of buying car insurance online?
We always recommend buying car insurance online as it is quick, easy and convenient. You can compare car insurance policies to find the best policy at the most competitive price. There is minimal paperwork required, and no middlemen are involved.
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