Comprehensive Car Insurance

● A comprehensive car insurance plan covers multiple risks to your insured car, including accidents, fire, theft, natural disasters, manmade disasters, transit damage and third-party liabilities.

● Getting a comprehensive plan helps you avoid large out-of-pocket expenses and recover from accidental damage, monsoon damage, vehicle theft and other risks.

● TATA AIG’s comprehensive plan (Auto Secure- Private Car Package) covers a wide range of risks, provides access to 6300+ cashless garages and a personal accident cover of ₹15 lakhs.

● Buy or renew your comprehensive policy online via our website or app in a few easy steps, including entering a car registration number, selecting coverage options and paying the premium.

● Filing claims is easy and seamless via our claim portal or app. Simply file an online claim, upload documents and take your car to the nearest network garage. If a network garage isn’t available, file a reimbursement claim.

Example of Comprehensive Car Insurance

• Mr Rohit purchased a comprehensive car insurance policy with TATA AIG, including the Road Side Assistance add-on and the personal accident cover.

• Mr Rohit’s car gets severely damaged in a flood. Since he has comprehensive insurance with TATA AIG, we will cover his repair costs up to the IDV. If the car is beyond repair, we will pay him the IDV (Insured Declared Value).

• If the car needs to be moved to the nearest workshop, we will cover the costs to move the car to the nearest repair workshop based on the policy terms and conditions.

• If Mr Rohit suffers permanent total disability from an accident involving his insured car, we will reimburse 100% of the personal accident cover.

• Damage During Monsoon: Driving during the monsoon season exposes your vehicle to water ingress, loss of traction, and a stalled engine. A comprehensive car insurance plan with the engine secure add-on covers repair costs and replacements, saving you from financial stress.

• Vehicle Theft: Car theft has become a growing problem across India, with more than 1 lakh reported cases each year. If your car has been stolen overnight while parked outside your home, a comprehensive policy helps you recover the full replacement cost.

• Unexpected Accidents: More than 48.7 lakh car accidents have been reported in 2025, resulting in 17.7 lakh fatalities. Buying comprehensive car insurance online covers major repairs, replacement of damaged parts and damage beyond repair of your vehicle while also providing personal accident cover.

• Vandalism and Intentional Damage: Damage or loss of a vehicle due to vandalism, riots and strikes is a major concern among car owners across the country. A full cover car insurance pays for repairs and replacement due to manmade and malicious acts.

• Third-Party Liabilities: Causing an accident with your insured vehicle can cost you lakhs of rupees in legal liabilities from a court case. A comprehensive insurance policy pays for liabilities due to bodily injuries, fatalities and property damage caused by your vehicle, as well as legal expenses.

• All-Inclusive Coverage: Our comprehensive plan, the Auto Secure- Car Package Policy, covers repairs, parts and vehicle replacement due to accidents, thefts, natural disasters, manmade calamities, and transit damage. It also covers third-party injuries, fatalities and property damage, towing charges and personal accidents.

• Customisation via Add-Ons: Enhance your coverage with 8+ car insurance add-on covers. Our add-ons provide breakdown assistance (roadside assistance, emergency transportation), vehicle risk protection (engine secure, consumables benefit) and additional financial coverage (vehicle loan protector, return to invoice).

• Accessible Cashless Repairs: The best comprehensive car insurance offers access to 6300+ cashless garages throughout the country. Our network includes authorised service centres, multi-brand garages and automotive workshops in every major city of the country.

• Quick and Simple Claims: Filing claims for your comprehensive insurance is simple, easy and requires a small set of online uploads. File claims via our dedicated claim portal or mobile application to get cashless repairs at our network garage or reimbursement at non-network garages.

• Digital Policy Management: Whether you want to buy or renew your comprehensive car insurance plan or manage your existing policy, our digital portal and app make it easy. Use our comparison tools and online calculators to compare car insurance plans and make informed choices.

• Special Attractive Discounts: Save up to 85% on online purchases, including special discounts for automobile association memberships, classic vintage cars and installation of anti-theft devices. We also offer a No Claim Bonus of up to 50% that lowers your comprehensive car insurance cost.

• Roadside Assistance Services: Get emergency support and breakdown services using add-ons like roadside assistance, emergency transportation cover, and additional towing charges to your comprehensive car plan. We offer on-the-spot repairs, towing support, fuel delivery, overnight hotel stay and taxi services, among others.

• 24/7 Customer Service: With TATA AIG comprehensive plans, get 24x7 customer services for everything from product queries to complaints and claim support. Easily reach out to our experts assistants via our helpline (022-6489-8282), email (customersupport@tataaig.com) or WhatsApp (+91-9136-160375). We are always ready to help.

What’s Covered

• Accidental damage due to collisions, breakdowns, overturning and other mishaps
• Insured Declared Value (IDV) of the car for vehicle theft and total loss
• Fire, explosion, lightning, self-ignition, and related perils
• Natural calamities such as floods, storms, cyclones, earthquakes, landslides, and hailstorms
• Manmade disasters, including riots, strikes, vandalism, terrorist activities and malicious acts
• Damage during transit by road, rail, inland waterways, or lift/elevator
• Third-party legal liability for injury, death, or property damage caused by the insured vehicle
• Personal accident cover for the owner-driver’s accidental death or permanent total disability
• Cost of removing and transporting the vehicle to the nearest garage for repairs

What’s Not Covered

• Normal wear and tear, ageing, and general depreciation of your vehicle
• Mechanical or electrical breakdowns not arising from an accident
• Driving without a valid driving licence or under the influence of alcohol or drugs
• Damage caused by violating traffic laws or participating in racing or speed tests
• Intentional damage, negligence, or misuse of the vehicle
• War, war-like operations and nuclear perils

Add-ons are optional coverage features you can include in your chosen comprehensive car insurance plan to enhance its coverage.

• Zero Depreciation: Covers the cost of depreciation on replaced parts.

• Return to Invoice: Helps recover the full invoice value for total loss or theft claims.

• Engine Secure: Covers damage to the engine and transmission from water and oil leakage.

• Roadside Assistance: Provides 24/7 roadside assistance and breakdown services at any location.

• No Claim Bonus Protection: Secures your accumulated No Claim Bonus from a single claim

• Consumables Cover: Covers the cost of consumables like screws, bolts, engine oil and grease

• Daily Allowance Plus: Provides daily cash or a courtesy car when your vehicle is under repairs.

• Tyre Secure: Covers repairs and up to four replacements of car tyres due to accidental damage.

Note: The above list of add-on covers is not exhaustive and subject to certain terms and conditions. For the complete list of add-ons, visit our car insurance add-ons page.

Yes, your comprehensive car insurance policy provides a fixed compensation for a personal accident. In the event of an accident, the policy offers compensation of up to ₹15 lakhs for the owner-driver. The compensation is offered for accidental death and disability. In the event of accidental death, the benefit is provided to the nominee mentioned in the proposal form and/or legal representatives.

Compensation Offered Under Personal Accident Cover

Conditions Applicable to Personal Accident Cover

The benefits under the personal accident cover are offered subject to the following conditions:

• The owner-driver is the registered owner and the insured named in the policy.

• The owner driver holds a valid driving licence.

These benefits under the comprehensive coverage for a car may not be available under certain excluded conditions, such as a loss arising from intentional self-injury or attempted suicide and driving outside the geographical limits. You can refer to the policy wording for the detailed exclusions.

• Scroll to the top of this page and enter your car registration number. Then, click on ‘Get Price’.

• Enter the car details, including make, model and variant, purchase period, policy expiry details and contact number.

• Choose a comprehensive car insurance plan from the available options. Modify the coverage details and include add-ons as required.

• Review the premium quote and pay the premium online to buy car insurance.

• Scroll to the top, find the ‘Renewal’ menu and select ‘Car’ from the dropdown options.

• Enter either your car registration number or existing policy number and click on ‘Renew’.

• Review your updated premium price and No Claim Bonus. Modify the coverage details and include any add-ons you want.

• Check the revised premium quote and pay the premium to complete your car insurance renewal.

• Visit our claim portal or log in to your TATA AIG account to file an online claim.

• Upload photos or videos of your damaged car and wait for a surveyor visit to confirm the damage and prepare a repair estimate.

• Take your car to any TATA AIG network garage for cashless repairs. If one isn’t available, get repairs at a non-network garage to file for reimbursement later.

• Collect your vehicle from the network garage and inform TATA AIG. For reimbursement claims, pay the bills and collect the relevant invoices and receipts.

• We will settle your bills directly with the network garage for cashless claims or send the approved amount to your account for reimbursement claims.

• Copy of car insurance policy document
• Duly filled and signed claim form
• Car registration certificate (RC)
• Driving licence of the person driving the car
• Self-inspection photos or videos
• Repair estimate (provided by the network garage)
• Original repair bills and payment receipts
• Identity and address proof
• FIR or police report (for major damage, theft or third-party claims)
• Court summons or notice (if applicable)
• Medical bills or reports (if applicable)
• All original keys of the insured vehicle
• Any other additional documents as required

A comprehensive car insurance premium has two components: an own damage (OD) premium and a third-party premium. While third-party premium rates are fixed by the Insurance and Regulatory Development Authority of India, insurers are free to set their own rates for own damage coverage. Here are the quick steps that you can follow to calculate the comprehensive car insurance cost.

• Determine the Insured Declared Value (IDV)

To begin, calculate the IDV of your car by considering the list price and the cost of accessories. Once depreciation for both the vehicle and its accessories is deducted, the IDV is derived. IDV = (Ex-Showroom Price - Depreciation) + (Cost of Accessories - Depreciation)

• Assess No Claim Bonus (NCB) and Other Discounts

Refer to the NCB table given in our No Claim Bonus page to determine the NCB discount applicable to the Own Damage component. Additionally, consider any other discounts, if applicable to the car insurance renewal premium.

• Calculate Own Damage Premium using the formula.

Use the following formula to calculate the OD Cover Premium: OD Cover Premium = [Insured Declared Value * Insurer’s Premium Tariff] - [NCB discount]. Insurance providers set their own tariff rates for own damage insurance covers based on vehicle specifications and various risk factors.

• Determine Third-Party Cover

The third-party car insurance is determined by the Insurance Regulatory and Development Authority of India (IRDAI) every year. It is based on your car’s engine cubic capacity for non-electric cars and battery capacity in kilowatt hours for electric vehicles. Check the latest rate on the official website.

• Evaluate the Total Cost of Add-ons

The add-ons you select will contribute to the premium for your policy. Determine the cost of each add-on or the total cost of all the add-ons combined.

• Calculate the Overall Premium

To summarise, the comprehensive car insurance premium is calculated as follows. Total Premium = [Own Damage Cover Premium] – [No Claim Bonus + Discounts] + [Cost of Add-ons] + [Third Party Insurance Premium as fixed by IRDAI]

You can use our TATA AIG car insurance premium calculator to quickly determine your overall premium in just a few minutes. It is user-friendly and less time-consuming.

A deductible is a fixed and predetermined amount you pay out of your own pocket for car repairs and replacement before your comprehensive plan covers the rest. Once you pay this amount during a policy year, your insurance plan activates, paying the rest of your claim. A deductible lowers the insurance provider’s risk and the insurance premium.

Suppose you have a comprehensive insurance plan with an IDV of ₹10 lakhs and a deductible of ₹40,000. If your car requires repairs costing ₹1 lakh due to an accident, you have to pay ₹40,000 (deductible) out of your own pocket, while the policy will cover ₹60,000. Subsequent claims are covered up to the IDV amount within the policy year.

Comprehensive car insurance plans come with two types of deductibles:

• Compulsory Deductible: Standard deductible mandated by the IRDAI for all own damage car insurance claims (including under comprehensive plans). It does not lower premium costs.

• Voluntary Deductible: Policyholders can opt for a voluntary deductible for every claim to get a proportional reduction in premium cost.

A comprehensive car insurance plan covers all types of cars- new and old, budget or luxury vehicles. While many car owners prefer getting only a third-party plan for older cars, getting comprehensive insurance coverage is recommended in certain situations discussed below:

• You Own an Expensive Car: A comprehensive plan is justified for luxury and high-value models with expensive repair costs and limited availability of spare parts. If you own an expensive car like a Mercedes worth over ₹50 lakhs, a comprehensive policy is a good choice.

• You Need Your Car for Daily Use: If you use your vehicle daily and do not have any alternative transport, having a comprehensive plan secures your regular commutes. Another good reason to get comprehensive coverage is when you live in a remote area and have no access to public transport.

• Your Car Is in Good Condition: Consider comprehensive car insurance when your vehicle is in good condition, and you intend to use it for a few more years. Also, check whether insurance premiums are relatively low for your old car. If you have a 7-year-old car that you want to use for 5 more years, get a comprehensive plan.

While a comprehensive plan covers both damage to your own car and third-party liabilities, third-party car insurance is a basic plan covering only the latter. Explore the differences:

A standalone own damage car insurance plan only covers damage and loss to your insured car and not third-party liabilities. Explore the differences between comprehensive and OD plans:

Comprehensive car insurance offers dual coverage that includes financial protection against damages incurred by your car as well as third-party liabilities arising due to your insured car. Whether you own a high-value car or live in accident-prone zones, a comprehensive car insurance policy keeps your vehicle protected against own-damage and third-party liabilities. When you buy car insurance with comprehensive cover, you can also customise it as per your driving conditions and personal needs with optional add-ons like roadside assistance, tyre secure, engine secure, and more. It also includes a personal accident cover for the owner-driver that covers accidental death and disabilities. While we offer features for extensive and personalised coverage, we also ensure these benefits reach you effortlessly through our network of cashless garages across India. Choose TATA AIG for a reliable insurance experience for your comprehensive car insurance coverage.