Comprehensive Car Insurance

Looking for a suitable comprehensive car insurance policy? Here are some quick numbers that show you why you should opt for Tata AIG car insurance:

• 7500 Network Garages Across the Country
• 650 Claim Experts that Offer Quick and Easy Claim Settlement
• 98% Claim Settlement Ratio as of FY 2020-21
• 75% Savings on Car Insurance Premiums with Online Purchase
• 12 Unique Add-ons Including Zero Depreciation Cover
• 3-Step Process to Purchase and Renew Car Insurance Online

A comprehensive car insurance policy is a type of car insurance that provides extensive coverage and offers protection to your car against various types of damages. This includes accidental damages, theft or total loss, damage caused by natural disasters such as floods, cyclones, earthquakes, fires, etc., as well as damages from human causes like vandalism, riots and terrorism.

In addition to the damages mentioned above, a comprehensive car insurance policy also covers third-party liabilities such as damages to a third party car or injuries caused to a third-party person due to the insured car. The third-party liability also covers the death of a third-party individual due to the insured car, offering protection against the legal liabilities as well.

Once you know what a comprehensive car insurance policy is, it is equally important to understand the relevance of getting a quote for your car insurance before you purchase an online car insurance policy. However, comprehensive car insurance is not just limited to protecting your car but also offers protection to you through a Personal Accident Cover of ₹15 lakhs, which covers accidental injuries, hospital expenses and even death. When you buy a comprehensive car insurance policy, you can enhance the policy coverage with the help of add-on covers. These add-on covers are beneficial because they meet specific requirements of your car, such as covering damages for a certain part of the car. At Tata AIG, we offer a range of 12 different add-ons designed to give your car 360-degree protection!

Furthermore, even though the add-on covers are available at an extra premium cost, choosing them carefully while comparing and getting a quote for your car insurance policy helps keep the premium amount affordable while boosting the policy coverage as per your needs.

A Tata AIG comprehensive car insurance policy offers these useful features:

Covers the Third-Party Liabilities Arising from an Accident You Caused
When your car is protected by a comprehensive car insurance policy, you can easily file a claim for damages to a third-party person or property caused by your insured car. This will also cover the legal liabilities that arise from such damages. Tata AIG offers a quick and hassle-free online claims process, where we aim to process your claim at the earliest for your convenience.

Pays for Damages Sustained by Your Car
A comprehensive car insurance coverage provides financial support when it comes to covering the various types of damages to your insured car. The damages can either be due to natural causes or even human causes; your car insurance policy offers appropriate compensation after you file a claim through due process. If you have purchased online car insurance, you can simply file a claim online and also track the claim status from time to time.

Offers a Personal Accident Cover for the Owner-Driver
The Tata AIG comprehensive car insurance policy offers a Personal Accident Cover of ₹15 lakhs that takes care of all the hospital expenses arising from injuries - major or minor, suffered in an accident. You can claim under this cover if you suffer a total and permanent disability due to an accident. Your family receives the entire cover amount as a death benefit in case of death caused by the accident. Ensures Complete Peace of Mind for You Since car insurance in India is a mandatory requirement for car owners, the car owner need not worry about the legal implications of not having car insurance once the car is covered under a comprehensive insurance policy. Enhances the Base Coverage with a Range of Attractive Add-ons With 12 add-ons from Tata AIG comprehensive car insurance policy, you can avail of targeted protection against specific circumstances. The add-ons include popular covers, including Zero Depreciation Cover, Roadside Assistance Cover, No Claim Bonus Protection, Engine Secure Cover, Return-to-Invoice and so on.

Ensures Complete Peace of Mind for You
Since car insurance in India is a mandatory requirement for car owners, the car owner need not worry about the legal implications of not having car insurance once the car is covered under a comprehensive insurance policy.

Enhances the Base Coverage with a Range of Attractive Add-ons
With 12 add-ons from Tata AIG comprehensive car insurance policy, you can avail of targeted protection against specific circumstances. The add-ons include popular covers, including Zero Depreciation Cover, Roadside Assistance Cover, No Claim Bonus Protection, Engine Secure Cover, Return-to-Invoice and so on.

With the help of a comprehensive car insurance policy, you can avail of these important car insurance benefits:

Highest Level of Protection
A comprehensive insurance policy offers extensive coverage to the insured car as well as the car owner. It does this by protecting the insured car against various damages, which includes the total loss of the car in case of theft or irreparable damage.

Covers Liabilities
One of the most important benefits of comprehensive four wheeler insurance is that it covers the legal and financial liabilities arising from third-party claims such as damage to a third-party vehicle or property or minor and major injuries to or even the death of a third-party person caused by the insured car.

Own-Damage
The cost of damages to the insured car is covered under the comprehensive insurance policy. Any damage caused by natural calamities, such as earthquakes, cyclones, etc., or human disasters such as vandalism, terrorism and riots, are covered under the own damage component of the comprehensive four wheeler insurance.

Single Premium
When you buy car insurance with a comprehensive insurance cover, the insurance covers Own Damage as well as third-party liabilities with the payment of a single premium benefit. With Tata AIG’s comprehensive car insurance cover, you can enjoy the benefits of both the insurance coverage types for your car, protecting it from a variety of damages.

Add-ons and NCB
At Tata AIG, you can choose from 12 unique add-ons to include in your comprehensive four wheeler insurance to further enhance the policy coverage and provide better protection to your car. Right from protecting the engine to helping you out in case your car breaks down, our add-on covers cater to specific requirements of your car.

New Car Owners
As a new car owner, one of your biggest concerns is to ensure the total protection of your car. At Tata AIG, we believe the same and so, our comprehensive car insurance policy is designed to help you protect your car against any potential damage. When it comes to your new car and its insurance price, our comprehensive policy is right here.

Someone Who Lives in the Big Bustling City
Big cities mean plenty of traffic, overcrowding and the risk of accidents! But our comprehensive car insurance ensures that damages to your car as well as the damages to a third-party person or property are taken care of.

Fancy Car Owners
Protecting a fancy high-end car does not have to be a hassle. By comparing and choosing the right coverage amount on our website, you can buy a car insurance policy customised to handle your precious drive and save you from expensive repair costs. Additionally, the Zero Depreciation add-on cover with our comprehensive car insurance will help you repair and replace those expensive parts with a full claim payout.

Overprotective Car Parent
Some of us cannot tolerate even the smallest of scratches on our four wheeler, and Tata AIG’s comprehensive car insurance policy can be of great help when it comes to taking care of the minor damages to your car.

Road Trip Enthusiasts
If road trips are quite regular for you, then our comprehensive car insurance policy is ideal for keeping your car in good shape. By customising the policy coverage, you can find an affordable insurance premium for your car so that the expenses are not an excuse to give up travelling. Moreover, some of our useful add-ons, such as the Roadside Assistance policy, can bail you out of a situation when you’re out and about with your car.

Offers on Premium
When you choose Tata AIG’s comprehensive car insurance policy, you can save more on your insurance policy with our huge discounts online. Protecting your car from damage need not be heavy on your pockets!

Cashless network garages
Our 7500+ network garages all over the country make it easier for you to find the one closest to your home, office or any other convenient location so that you can have your car repaired, and we’ll settle the payment with the network garage.

Repair service
If your car breaks down in the middle of the road, we offer on-spot repairs with our Roadside Assistance Cover. We even help with a towing facility to take your car to the nearest network garage for cashless repairs. Just call 1800 266 7780 - our Roadside Assistance number.

Number of happy customers
Tata AIG ensures quality services for its content 5-crore customer base and strives to ensure that they all continue to receive the same quality of service to their satisfaction.

Simple Claim Intimation process
We make sure that our simple claim intimation process helps you file your claims online quickly so that you can have your comprehensive four wheeler insurance claim settled in a few easy steps soon and give your car the protection it deserves.

Claim settlement ratio
Tata AIG’s laudable claim settlement ratio of 98% during FY 2020-21 speaks for itself. With a TATA AIG car insurance policy, we guide and help you through the claim settlement process so that the process moves swiftly without any delay at our end!

To know whether you should choose comprehensive or third party car insurance for your four-wheeler, take a look at the points given to understand the comparison of comprehensive vs third party car insurance before you make your selection:

Have you ever wondered what is included in a car insurance policy? Have you ever been caught unawares by the car insurance exclusions when filing a claim? We have compiled a list of major inclusions and exclusions of our offline as well as online car insurance:

Inclusions of Tata AIG Car Insurance
Tata AIG’s comprehensive car insurance policy offers comprehensive protection against these damages as included in the policy:

Theft of the Car
If your car is stolen or suffers immense accidental damage that cannot be repaired, then we will pay you the Insured Declared Value of your car, also known as its total market value.

Accidental Damage
If your car suffers minor or major accidental damage, then our comprehensive car insurance policy or standalone own damage policy will cover the financial losses due to the repairs.

Damages due to natural disasters
With our own damage cover or comprehensive insurance of your four wheeler, you will be covered against damages due to natural disasters such as earthquakes, floods, cyclones, etc.

Damages due to fires and human causes Our own damage cover or comprehensive car insurance policy covers damages due to fires that are a result of explosions, self-ignition, etc., as well as damage due to human causes such as terrorism, vandalism, strikes, etc.

Third-party Liability
Our standalone third-party cover, as well as our comprehensive car insurance policies, cover third party damages. The third-party liabilities include damage to third-party property, injuries to or even the death of a third-party person.

Personal Accident Coverage for Owner Driver
A personal accident cover of ₹15 lakhs is included in our comprehensive car insurance policies to protect the owner-driver. This covers the medical costs of the injuries due to an accident and will also bear the cost of transporting the injured owner-driver to the hospital. The amount is paid out to a beneficiary selected by the owner-driver if the latter passes away due to the accident.

A range of add-ons for complete coverage
Our list of add-ons, designed to protect your car against specific damages can be part of your comprehensive car insurance policy. If you purchase your car insurance online, then you can use our online car insurance calculator and find out what should be included in your insurance.

Exclusions of Tata AIG Car Insurance Policy
Although our comprehensive car insurance policy offers extensive coverage for your car's needs, there are some instances or exclusions that our policies do not cover.

• Damages caused if one is driving without a valid license
• If the four-wheeler is damaged outside the geographical area, i.e., outside India
• Damages caused if one is driving under the influence of intoxicating substances
• Ordinary wear and tear caused by daily use and depreciation
• Costs insured towards general maintenance of the vehicle
• Any damage caused by the driver's negligence
• If a private vehicle was used for commercial purposes
• If the car was damaged while speed racing, adventure sports, etc.
• Damages to the car due to war or war-like instances in the country and nuclear threat
• If an add-on that covers a specific type of damage is not included.
• Reimbursement of only 50% cost for the replacement of consumables due to wear and tear

Tata AIG offers a set of 12 add-on benefits that you can add to your comprehensive car insurance policy:
Zero Depreciation
The zero depreciation or nil depreciation cover pays you the depreciation cost that is deducted from your car’s parts. With this add-on, the cost of depreciation will not be deducted from the sum insured but only for the first two claims filed by you. You can not only include this add-on to your comprehensive car insurance policy but also to your own-damage car insurance policy.

No Claim Bonus Protection
With the No Claim Bonus Protection add-on with comprehensive car insurance policy, you can file a fixed number of car insurance claims during the policy year without disrupting your accumulated No Claim Bonus (NCB) discount. Since filing even one claim damage in the policy diminishes the NCB discount on your premiums, the NCB Protection cover can be helpful in letting you retain the discount even after you file the claim. But this add-on can enable you to file only a limited number of claims in a year.

Roadside Assistance
The Roadside Assistance cover comes to your aid if your car breaks down and you are stranded in a sparsely populated area with no help or mechanic services nearby. This add-on cover ensures that you won’t have to worry about your car breaking down and being unable to get any help at all. Once you have the cover in your policy, all you have to do is give us a call 1800 266 7780, and we’ll send our team to supply fuel to your car, tow it, or carry out the repairs as needed.

Return to Invoice
When you file a claim for the theft or irreparable damage of your car (total loss), there is a difference between the purchase price and the compensation because of the depreciation. This difference is covered by the Return to Invoice add-on. And if there is a new car available in the market with the same make and model of your lost car, this add-on will fill the financial gap between the claim amount and the price of the new model while also paying for the registration charges and road tax.

Repair of Glass Fiber and Plastic Parts
If the glass, fibre and plastic parts of your car, such as the windows, windshield, etc., are damaged due to any mishap, having this add-on in your comprehensive four wheeler insurance policy can cover these damages when you file a claim with us. The benefit this cover provides is that the claim filed by you will not affect the No Claim Bonus discount you have gathered until now, and you will still be able to enjoy the discount on the premiums. But do note that only one claim will be permitted per policy year.

Daily Allowance
The Daily Allowance cover provides you with an amount of money for your travel expenses in case your car is damaged and needs to be kept for a long time at the garage. In such a situation, Tata AIG understands that without your car, you will have to pay for your daily commute from your own pocket. Hence, we provide compensation for a period of 10-15 days, depending on the cause of the damage claim and the period for which the car is being repaired at the garage.

Emergency Transport and Hotel Expenses
If your four-wheeler suffers accidental damage and cannot be used without a repair while you are on your way to a certain destination, having the Emergency Transport and Hotel Expenses add-on with your comprehensive car insurance policy provides you with financial support in two ways. Firstly, it will pay for your overnight accommodation at a hotel, and secondly, it will also handle the commuting expenses required for you to go back home or to a city near to the initially intended destination.

Key Replacement
Losing your car keys can be a risky mishap that can lead to your car being stolen. In such a situation, or if your car itself is stolen along with the keys, the Key Replacement add-on replaces the lost keys. When you include this add on to your comprehensive four wheeler insurance cover, we will replace your car keys if you happen to lose them due to any of the above events.

Engine Secure
The engine is, undoubtedly, one of the costliest parts of your car and having it repaired or replaced can be a major expense. But if the engine comes in contact with water, the damage leads to a repair or replacement. Therefore, if you stay in a flood-prone area, including our Engine Secure add-on to your comprehensive car insurance policy can help you cover the damage expenses without you having to spend anything for the same. However, an exception to this add-on is the engine of an old car that has been in use for a long time.

Tyre Secure
Having the Tyre Secure add-on in your comprehensive four wheeler insurance policy can help you cover the financial damages to your car’s tyres or the tyre tubes. But the add-on only covers accidental damage to the parts and not if the tyres or tubes are damaged due to the daily wear and tear of the car.

Consumable Expenses
If your insured four-wheeler meets with an accident, the damage caused to the car leads to a loss of consumables such as gearbox oil, nut & bolt, oil filter, air conditioner gas, etc. With the Consumable Expenses add on, the cost of replenishing these consumables will be covered. The only consumable that is not covered in this add-on is the cost of fuel.

Loss of Personal Belongings
If you and your insured car are involved in an accident, it can lead to a loss of personal belongings such as CDs, audio and videotapes, and clothes. This add-on in your comprehensive car insurance policy covers the loss of these items. But the loss of personal belongings such as money, watches, jewellery, and credit or debit cards will not be covered.

The Tata AIG comprehensive car insurance policy provides extensive coverage against third-party damages as well as own damage while enabling you to expand the coverage with the help of several different add-ons that offer various types of protection to your car.

To help you lower the burden of premium payments, insurance companies for cars, including Tata AIG, offer the No Claim Bonus or NCB of your car insurance as an important feature and discount on the premiums that we offer. You can avail of the No Claim Bonus or NCB discount on your comprehensive four wheeler insurance policy if you do not file any claims for damages during the policy year. Therefore, when you renew your Tata AIG comprehensive insurance policy, you get the benefit of a lower premium payment for the new policy year.

With subsequent claim-free years, the NCB discount percentage increases, and you continue paying lower premiums. However, if you file a claim during a certain policy year, your NCB discount becomes null and void for the upcoming policy year on renewal. But if you don’t file any claims for 5 years straight, then from the 5th year onwards, you can benefit from a 50% on the insurance premium for your car until you need to file a claim. The given table helps you get a clear idea of how the NCB percentage progresses with each claim-free year:

A comprehensive car insurance policy can be calculated by calculating the following aspects separately:

Calculate the IDV of your car:
The Insured Declared Value of your vehicle is calculated as the list price of the car and the cost of the car’s accessories. The IDV is derived once the depreciation of the vehicle and the depreciation of the accessories are deducted from the first two variables.

Calculate the No Claim Bonus and Other Discounts:
We have already seen the NCB table in the previous sections. Based on that, determine the NCB discount, along with any insurer-declared discounts applicable on the car insurance renewal premium. Remember the NCB discount only applies to the Own Damage component.

Calculate the Own Damage component:
The formula for calculating the Own Damage premium of your car insurance policy is
[Insured Declared Value * Insurer’s Premium Tariff] + [Add-ons] - [NCB discount]

Calculate the third-party cover:
Tata AIG’s third-party car insurance cover is calculated on the basis of your car’s cubic capacity as per the rates issued by the Insurance Regulatory and Development Authority of India. Check the prevailing rates for your engine cubic capacity.

Calculate the total premium of all add-ons selected:
The add-ons you select drive up the policy premium. So, determine the cost of each individual add-on or the total cost of all the add-ons combined.

To sum it up
Comprehensive Car Insurance Premium = [Own Damage Premium] – [No Claim Bonus + Discounts] + [Cost of Add-ons] + [Third Party Premium as Fixed by IRDAI]

Sounds complicated? Don’t worry! Tata AIG offers an online car insurance premium calculator that uncomplicates your car insurance premium calculation. Our online comprehensive car insurance calculator helps you calculate your car insurance premiums in a few easy steps. All you need to do is enter the necessary information, pick the policy coverage and the add-ons and click on “Get Price”. You will then be able to view the total premium as per your insurance coverage.

Tata AIG offers a quick and easy way to calculate your car insurance premium in a few easy steps. To find your car insurance price, visit the car insurance page on our website and:

• Enter the Car Registration Number.
• Click on ‘Get Price’ for a new policy and ‘Renew’ for the Tata AIG car insurance renewal premium calculator.
• Provide the required information and click on Get Quote to get your car insurance cost.

Insured Declared Value (IDV) / The market value of the car
The IDV is the prevailing cost of the car in the market. Once a car is driven out of the showroom, its value starts depreciating. When buying car insurance, you have to input the desired IDV of the vehicle. It is the amount you will be paid when the car is stolen. The higher the IDV/market value, the higher will be the cost of the premium.

Age of the Car
The age of the car is considered while determining the car insurance price, and in general, a higher premium is charged for newer cars. The car insurance premium for older cars, due to the impact of depreciation on the cost of the car, is cheaper.

Make, Model, Variant and Fuel Type of the Car
Expensive high-end cars from super-premium brands attract a higher insurance premium rate as compared to other budget cars as the value and the maintenance of these high-end cars is high. Additionally, the fuel used in your car can influence insurance premiums. Petrol, being widely used for most passenger cars, attracts a lower premium as compared to diesel cars that require more maintenance. Even the spare parts of most diesel-powered cars are quite expensive, and this also affects the premium. Similarly, even CNG powered cars are quite expensive when it comes to the car insurance premium.

Registration Location
If your car has been registered in an urban location like a metropolitan city, then you could be looking at a comprehensive car insurance policy with higher premiums than someone whose car has been registered in a rural location such as a remote town or a village. Urban areas pose a greater risk for cars and their owners due to overcrowding and the traffic situation as compared to rural places.

Manufacturing Year
The manufacturing year is important for determining the car insurance premium, as your car depreciates with age. The depreciation reduces the car’s value in the market and, subsequently, the Insured Declared Value (IDV). Therefore, newer cars are likely to have a higher premium as compared to older cars. When you buy your comprehensive car insurance online, even the online premium calculator will consider the manufacturing year of your car.

Discounts
There are various discounts available on your car insurance price. You can get a discount on your insurance if you are a member of the AAI-Automobile Association of India or have an anti-theft device installed in your car that is approved by the ARAI-Automotive Research Association of India.

No Claim Bonus (NCB)
The No Claim Bonus in your comprehensive car insurance is important for determining or, rather, reducing your premium. If you earn an NCB by filing no claims during the policy year and then renewing your insurance on time, the discount will be applied to your premium in the coming policy year, and after 5 years of not filing any claims, you can pay up to 50% less on your premiums.

Driving sensibly and earning a No Claim Bonus (NCB)
Being a safe and responsible driver means that you and your insured car pose less risk to others and, therefore, are less prone to have an accident or file a claim for damages. If you go through the policy year without a claim, you can get a No Claim Bonus discount of 20% on your car insurance premium. This discount goes up to 50% for five consecutive claim-free years and is applied on the Own Damage component of your insurance during car insurance renewal.

Opting for a reasonable IDV of your car
It is important to choose the IDV for your car. If you choose a higher IDV with the aim of getting a higher sum insured, you could be paying higher premiums for the policy. Likewise, with a lower IDV, the premiums will be lower, but the insurance coverage will be insufficient.

Dropping all the unnecessary car insurance add-on covers
Add-ons are meant to increase the coverage of your comprehensive car insurance policy. However, these benefits come at an extra premium and, therefore, should be selected wisely so that your car insurance premium is not too high. To keep your premiums in check, you can use the car insurance calculator on our website to understand how the add-ons will affect your premiums and which necessary ones you should choose.

Renewing your policy before its expiry date
It is always a wise idea to carry out your car insurance renewal at least a couple of weeks before the policy is about to expire. Not only does this give you enough time to rethink which add-ons you would like to include in your policy, but you can also avoid losing out on the No Claim Bonus discount that lowers your premium payment in the next year.

Not raising a claim for minor expenses arising out of an accident
Some mishaps cause small damages to the car which can be easily repaired in no time and hardly cost any money. If you take care of these small expenses by yourself, you can avoid filing a claim and thereby earn a No Claim Bonus discount on your premiums. If you don’t file claims for 5 consecutive years, you can save up to 50% on the premiums.

By visiting our Tata AIG website, you can choose from our different comprehensive car insurance policy cover and:

1. Enter your car's registration number and click on “Get Price” to check your car insurance online
2. Fill in your car’s details as required, select the policy cover and your choice of add-ons
3. Get instant quotes and buy your comprehensive car insurance online
   

Buying a comprehensive car insurance policy offers the following benefits:

• Allows you to compare the different plans on offer.
• Gives you a quick and easy car insurance premium quote.
• Offers a seamless and paperless buying process.
• Provides easy customisation of your policy with a choice of add-ons.
• Ensures a quick, safe and secure online payment process.
  

More importantly, Tata AIG offers a whopping discount of up to 75% on online car insurance premiums.