Citroen Insurance

Key Highlights

• Currently, Citroen has a portfolio of 5 car models, including 2 hatchbacks (C3 and ë-C3) and 3 SUVs (Aircross, Basalt and C5 Aircross). These cars are available in petrol and diesel variants, plus one electric vehicle (ë-C3).

• Other than the C5 Aircross, all other Citroen cars are priced in the budget segment. The most affordable Citroen car is the Citroen C3X, starting at ₹4.99 lakhs (ex-showroom price). The Citroen C5 Aircross is the most expensive car, with prices starting at ₹39.99 lakhs.

• Citroen is known for its unique vehicles featuring unique styling, bold exteriors, and modern French design. Citroen’s Advanced Comfort Programme helps ensure a smooth and relaxing driving experience with features like spacious cabins and ventilated seats.

• Citroen cars are equipped with modern technologies, including intelligent driving systems and connectivity features. Some of the notable tech features include 360-degree cameras, touchscreen clusters, Apple CarPlay and Android Auto wireless connectivity, etc.

• Citroen also offers a range of value-added services, such as maintenance services, extended warranty and genuine parts via Citroen Flexcare.

• Frequency of Road Accidents: In 2024, 4.87 lakh road traffic accidents were reported in India, according to the Ministry of Road Transport. As the likelihood and frequency of accidents are so high, Citroen insurance is a must for every car buyer.

• Broad Financial Protection: A car insurance plan pays for repairs, spare parts, and the replacement in the event of a total loss. It covers a wide range of risks, including accidents, fire, theft, vandalism, floods, earthquakes, etc., providing financial security to Citroen car owners.

• Legal Requirement: Getting car insurance is also mandatory by law. The Motor Vehicles Act makes it compulsory to have third-party insurance coverage to drive any motor vehicle in India legally. Disobeying the law results in fines up to ₹4000 or even jail time up to 3 months.

• Theft Protection: Vehicle theft is a major and rising problem in the country. Citroen motor insurance protects your purchase by compensating the market value of your car if it’s stolen.

• Coverage Against Natural Disasters: Natural disasters, such as monsoon floods, seasonal cyclones, earthquakes, heavy snowfall, landslides, etc., cause severe and total damage to your car. By getting car insurance online, you can easily secure your Citroen from damage or complete loss from natural disasters.

• Personal Accident Coverage: Road accidents are some of the deadliest accidents in the country, causing 1.77 lakh fatalities in 2024. As the fatality rate increases each year, Citroen car owners require personal accident coverage to protect their loved ones’ future.

• Comprehensive Car Insurance Plan

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• Third-Party Car Insurance Plan

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• Standalone Own Damage Car Insurance Plan

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• Usage-Based Car Insurance Plan

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• Zero Depreciation Car Insurance Plan

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• All-Inclusive Coverage: Get TATA AIG’s car insurance policy for all-round financial cover against accidents, theft, fire, natural and manmade disasters, transit damage, and other risks. Our plans also cover third-party injuries, fatalities and damage and provide personal accident cover up to ₹15 lakhs.

• Easy Online Renewals: Our online Citroen renewal process is easy, instant and hassle-free. Use our feature-rich portal to review your existing coverage, revise your car’s Insured Declared Value, include add-ons and check the breakdown of the renewal premium.

• Fully Paperless Plans: Buy Citroen insurance online without submitting any physical documents. We offer a paperless process for purchases, renewals and filing claims. We have also done away with physical policy documents, instead sending soft copies directly to your email for easy access.

• Multiple Customisation Options: At TATA AIG, we offer multiple plans, including third-party, own damage, and comprehensive plans. We also offer specialised plans like usage-based insurance and EV car insurance for electric Citroens. With add-on covers, customise your base plan to fit your unique needs.

• Attractive Discounts and Bonuses: Avail of attractive discounts that lower your Citroen insurance premiums, including online discounts up to 85% and a No Claim Bonus up to 50%. Our No Claim Bonus is offered upon renewal for not filing claims and increases with every claim-free year.

• Emergency Roadside Assistance: Include the Roadside Assistance add-on to your four-wheeler insurance plan to get 24/7 emergency help when your Citroen car suffers a breakdown. We send assistance directly to your location to provide on-the-spot repairs, towing services, fuel delivery, battery jumpstart, and more.

• Easy Cashless Repairs: Get your Citroen repaired from any of our 6301+ network garages without paying any cash. Search our cashless network garage list for Citroen-authorised service centres, repair workshops and spare part dealers in any major city to get cashless repairs.

Inclusions

• Damage or loss due to a road accident by external means
• Natural disasters, such as cyclones, typhoons, floods, hailstorms, frost, landslides, earthquakes, etc.
• Reimbursement of the Insured Declared Value for theft or total loss of your insured vehicle
• Damage while the insured Citroen car is being transported via railways, roads, waterways, lifts, elevators and air
• Fixed compensation up to ₹15 lakhs for the owner-driver’s grievous injuries or death.
• Damage or loss due to riots, strikes, vandalism, housebreaking, terrorist acts and other manmade acts
• Third-party injuries, property damage, death and legal defence expenses
• Fire-related incidents, explosions, lightning or self-ignition

Exclusions

• Damages suffered while the driver is intoxicated by alcohol or drugs, or driving without a valid driving licence
• Wear and tear, ageing-related breakdowns, failures, depreciation or consequential losses
• Any accidental damage, loss or liability outside the policy’s geographical limits, i.e., outside India
• Loss or damage due to risky activities like motor sports, crash testing, car rallies, etc.
• Damage to a private car when used for commercial purposes
• Damage from war, war-like operations, hostilities, civil wars, rebellions, and nuclear perils

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At TATA AIG, we offer a selection of 8+ car insurance add-ons that let you enhance your chosen plan. The full list is available on our add-on covers page. Check some useful add-ons for Citroen cars:

• Daily Allowance Plus: The Daily Allowance Plus provides either a daily allowance, a courtesy car or fixed cash to compensate your travel expenses while your insured Citroen car is under repairs.

• Reinstate Cover: This add-on covers the cost of repairs to a single car panel for minor damage that was not reported before under an own damage claim.

• Electric Surge Secure: A specialised add-on for EV Citroens, this add-on reimburses partial or total loss of your insured car, provided that the damage is due to electrical issues like arcing, short-circuiting or self-heating.

• Additional Towing Charges: This add-on helps cover the entire cost of towing your disabled insured vehicle to the nearest garage or service station. It applies only to an admissible own damage claim.

• Emergency Transport & Hotel Expenses: It pays for overnight hotel stay and transportation expenses to the nearest city or your travel destination when your insured car is disabled due to an accident.

Digital Car Insurance for Citroen

Digital and paperless car insurance plan with instant issuance

• Enter Car Registration: Scroll up to find our premium quote tool. Enter your car registration number and click on ‘Get Price’.

• Provide a Few Details: Enter a few personal and vehicle details, including brand, model, variant and your contact number.

• Choose a Plan: Pick a car insurance plan from the available options. Then, modify the coverage limits and include add-ons that you want.

• Pay the Premium: Check the instant Citroen car insurance quotes. If acceptable, pay the premium amount online to finalise your purchase.

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• Find My Policy: Scroll up to find the ‘My Policy’ menu and click on it.

• Sign in: Click on ‘Login’ and enter your registered mobile number to sign in.

• Go to Policy Download: Navigate to the ‘Policy Download’ section and enter your car registration number or existing policy number.

• Save the Document: Click on the download button to save a PDF copy of your policy documents on your device.

Process to File Claims

• Call our customer support helpline (0422-6489-8282) and inform us about the incident. Then, initiate a claim by visiting our claim support portal, logging into your TATA AIG account or downloading the TATA AIG App.

• After you submit the online claim, open the link sent to your mobile number and upload photos and videos of the damage. We may also send a surveyor to inspect your Citroen vehicle and prepare a damage report.

• Take your car to any TATA AIG network garage for cashless repairs. If you cannot find a network garage nearby, you can get repairs at a non-network garage to get a reimbursement claim.

• At the end of repairs, collect your car from the network garage and inform TATA AIG. For reimbursement claims, submit a signed claim form along with documents such as policy papers, original repair bills and payment receipts.

• For cashless claims, we will settle your bills directly with the garage as per policy limits. For reimbursement claims, we will pay the eligible expenses directly to your account after verification.

Documents Required

• Car insurance policy documents
• Car registration certificate
• Driving licence of the driver during the incident
• Self-inspection photos and videos
• Identity and address proof
• Repair bills and payment receipts
• All original keys of your Citroen car
• FIR or police report (for thefts, third-party claims and major damage)
• Garage repair estimate (for network garages)
• NOC from the financier (for loaned vehicles)
• Court summons/notice if applicable (for third-party claims)
• Medical bills or receipts (for personal accident and third-party claims)
• Any other additional documents as required

The premium of a Citroen insurance plan depends mostly on the type of policy. Third-party insurance rates are fixed for all insurers as per IRDAI’s mandate, while insurers are free to set their rates for own damage and comprehensive plans. Factors such as add-ons, discounts and coverage limits, as well as your Citroen car’s make, model, age, condition, etc., also affect insurance costs.

The car insurance premium calculator is a simple tool used to estimate premium costs for your selected insurance terms. Enter the following values into the tool to know your costs:

• Car registration number
• Make, model and variant of your chosen vehicle
• Year of manufacture and registration
• Existing policy number and NCB discounts
• Cost of all selected add-ons

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