Comprehensive Car Insurance

TATA AIG’s comprehensive car insurance is your ultimate safeguard, providing a robust shield for your vehicle against life's unpredictable events. Whether it is theft, fire, floods, burglary, earthquakes, or any other unforeseen mishap, comprehensive car insurance ensures you are protected from potential financial losses.

The all-round policy extends beyond your own vehicle, offering essential third-party liability coverage. Whether you cause bodily injury, disability, or property damage to others, comprehensive insurance has you covered, giving you peace of mind on the road.

Furthermore, in the unfortunate event of an accident, comprehensive insurance includes personal accident cover, providing vital financial support for you or your family in case of injury or death.

You can also customise your coverage with a range of add-ons, allowing you to enhance and tailor your protection based on your specific needs. The right add-ons can significantly boost your coverage, ensuring you have complete peace of mind.

Wider Scope of Coverage: With our comprehensive car insurance online, you will get complete protection for your vehicles. This type of coverage is pretty valuable because it not only covers third-party liabilities, which is a legal requirement in India, but also protects your vehicle against damage due to accidents, natural disasters, theft and more.

Cashless Repairs: Another crucial feature of TATA AIG's comprehensive car insurance policy is cashless repair at network garages. We have an extensive network of 10,000+ network garages spread across the country. With this feature, you do not have to worry about the upfront cost of repairing your vehicles. All the repair bills will be settled directly by TATA AIG and the network garage.

Unique Choice of Add-ons: Get the best comprehensive car insurance policy with access to unique add-ons for riders, such as roadside assistance, daily allowance, key replacement cover and more, to offer enhanced protection to vehicle owners.

No Claim Bonus: With TATA AIG comprehensive car insurance plans, you will also take advantage of the no-claim bonus feature. This rewards safe driving habits, where you can claim up to 50% discount on the car insurance premium for 5 consecutive claim-free years, making your responsible driving even more rewarding.

Also Read: Difference Between Comprehensive and Third-Party Car Insurance

Also Read: Car Insurance Add-on Covers

Although a comprehensive car insurance policy is highly recommended for a new car, it is equally essential for an old car if you are still using it regularly or even once in a while. It will protect you against unforeseen circumstances leading to severe damage to your car, incurring excessive repair costs.

Furthermore, a comprehensive car insurance plan helps you maintain your car to the best standards and fetches you a reasonable resale value if you plan to sell it later.

However, when you purchase comprehensive car insurance coverage, you must consider the age of your car and the number of years you are planning to use it further to decide on the optimum coverage. As the market value gets lower with age, you can benefit from purchasing full coverage car insurance for your vehicle at a lower rate.

Also Read: Used Car Insurance

Vehicle’s Age and Value: One of the essential factors that affect the comprehensive car insurance price is vehicle age and value. As a car gets older, its market value decreases, which usually leads to a lower premium. However, if the car is still in good condition and has a higher value, the premium might be a bit higher to cover potential repairs or replacement costs.

Insured Declared Value: Understanding IDV's meaning in insurance is crucial for determining its premium. An IDV is the insured declared value, which means it is the maximum claim amount the policyholder will receive in case of total loss or damage beyond repair. The higher the IDV, the higher the comprehensive car insurance premium will be.

Location: Another crucial factor that affects the comprehensive car insurance premium is location. Generally, urban areas with heavy traffic flow or crime rates have a higher premium than rural areas.

Driving History: Driving history also impacts the car insurance premium. Vehicle owners with a clean driving record and no traffic rules violations generally have a lower premium. However, vehicle owners with traffic rules violations are considered high-risk drivers, which leads to higher premiums.

Optional Add-ons: The comprehensive car insurance cost is also affected by including various add-ons in the plan, such as roadside assistance, engine security, etc. These add-ons are voluntary options included by vehicle owners based on their specific needs.

No Claim Bonus: Another factor that will affect the car insurance premium is the accumulated no-claim bonus. If you have not made any claim during the policy tenure, you will receive a discount on the premium at the time of renewing a policy. The more consecutive claim-free years, the higher will be the NCB discount.

Also Read: 7 Factors to Consider While Calculating Your Car Insurance Premium

Step 1: To calculate the premium, open the TATA AIG car insurance premium calculator.

Step 2: Enter the car registration number.

Step 3: Click on the “Get Price” button for a new policy.

Step 4: Enter the requested information and then click on the “Get Quote” button to know the car insurance premium in a few minutes.

Affordable Premium: At TATA AIG, we offer affordable comprehensive car insurance premiums, ensuring that top-tier protection for your vehicle does not come with a hefty price tag. Our goal is to ensure that you get the best coverage at a price that suits your budget without compromising on quality.

**High Claim Settlement Ratio: **TATA AIG stands out with an impressive claim settlement ratio, ensuring that your claims are handled efficiently and promptly. This high ratio reflects the company’s commitment to delivering reliable service and financial support when you need it most.

Happy Customers Count: With our dedicated and top-notch service, TATA AIG has earned the trust of over 5 crore customers across India. This widespread confidence speaks volumes about our commitment to customer satisfaction and the quality of coverage we provide.

Step 1: To buy comprehensive car insurance, open the TATA AIG website homepage.

Step 2: Go to the “Personal” section and select the “Car Insurance" plan.

Step 3: Click on the “Insure Your Brand New Car" tab. A page will appear. Enter all the details, such as brand name, car name and variant and click on the "Continue" button.

Step 4: Select the RTO code, mobile number and car delivery date and click on the “See Price” button.

Step 5: Based on the details, we will customise a car insurance plan that suits your vehicle needs. You can also add-ons to enhance the coverage.

Step 6: Review the policy details, coverage and premium.

Step 7: Once you are sure of everything, pay a comprehensive car insurance price using a preferred payment mode.

Step 8: Upon successful payment, the issued comprehensive car insurance policy will be sent to a registered email address.

Also Read: Your Brand New Car Also Needs A Car Insurance

• Government-issued identity cards such as Aadhar cards, Voter ID, passports, etc

• Proof of address such as Aadhar card, utility bills, etc

• Valid driving licence copy

• Copy of vehicle registration certificate

• PUC certificate

• Coloured recent photographs

High-value Car Owners: A comprehensive car insurance policy offers extensive coverage, including damages due to accidents, thefts and man-made or natural disasters. It will serve as a safety net to accommodate any unforeseen incidents.

New Car Owners: A new car is a highly-valued possession. If you want to maintain your car to the best standards, you must consider having comprehensive insurance as a backup for financial security. And with an add-on cover such as zero depreciation car insurance, it will ensure complete protection at any time.

People Exploring Different Places: If you like to travel and explore different places, you need to have a comprehensive car insurance policy. It will serve as a financial safeguard so you can enjoy your travel experiences. You can compare and choose the best comprehensive car insurance in India at an affordable rate.

People Residing in Metropolitan Cities: If you live in a metropolitan city such as Chennai, Delhi, Mumbai, etc., you are bound to face heavy traffic almost every day. This can lead to minor accidents that can cost you a great deal of money.

People Residing in Accident-Prone Zones: If you are commuting through accident-prone zones or reside in such places, you need to seek complete protection for your car, irrespective of the comprehensive car insurance cost. It will protect you against any unprecedented events that are highly probable to occur.

Beginners to Driving: If you have just started driving, you might find it challenging to drive in localities that are unfamiliar to you or park your car in a restricted space. In such cases, if you happen to cause an accident, comprehensive car insurance will be a financial shield protecting you from excessive expenses.

Car Enthusiasts: If you are a car enthusiast concerned about every single dent or scratch on your car and want to preserve it to the best quality, as always, comprehensive car insurance is undoubtedly ideal.

TATA AIG Comprehensive Car Insurance: Cashless Claims**

Step 1: To initiate the cashless claim, inform the TATA AIG representative about the accident within a stipulated time frame. Specify the extent of damage to the vehicle to the representative.

Step 2: After informing the TATA AIG representative, use the Garage Locator tool to find the authorised network garage in your area.

Step 3: Take your damaged vehicle to the selected network garage and also keep the document of the comprehensive car insurance policy with you.

Step 4: Hand over the comprehensive car insurance policy to the garage owner. They will initiate the cashless claim procedure for a damaged vehicle.

Step 5: Once the claim request has been initiated, we will send out the surveyor for vehicle inspection to assess the damage. Based on that, we will approve or reject the claim request.

Step 6: Once the claim process has been approved, the network garage will start repairing the vehicle. The vehicle owner can monitor the repair progress as needed.

Step 7: Once it is done, vehicle owners can take their vehicle home. TATA AIG will settle all the repair bills and send them directly to the network garage.

Also Read: Car Insurance Claims Process - Cashless

Documents Required for Cashless Claims

• Photographs and video of the damaged car

• Duly filled and signed claim form

• Original policy documents

• Copy of a driving licence

• Copy of vehicle registration certificate

• FIR report in case of a theft and major accident

• Proof of identity such as Aadhar card, Voter ID, etc

• Repair estimate from a network garage

TATA AIG Comprehensive Car Insurance: Reimbursement Claims**

Step 1: To file a reimbursement claim, notify the TATA AIG representative about the incident within 48 to 72 hours of the incident.

Step 2: Next, to file a claim, visit the TATA AIG website and then click on the “Claims” section.

Step 3: Click on the “Initiate Claim” option and then select “Car” from the given option.

Step 4: Fill out the registered mobile number and then click on the “Confirm” option.

Step 5: The OTP will be sent to your registered mobile number; enter the OTP and then click on the “Confirm” option.

Step 6: You will see a list of active policies. Select the policy for which you want to raise a claim.

Step 7: Fill out the claim form and submit a claim request. After submission, you will receive the registration number, which you will use to track claims.

Step 8: Once the claim has been raised, TATA AIG will send a surveyor to assess the vehicle damage and prepare a detailed vehicle inspection report.

Step 9: Once the inspection is done, take the vehicle to the garage of your choice.

Step 10: Have the vehicle repaired and pay the repair cost. Collect all the bills from the garage.

Step 11: Submit the repair bills and other documents to the TATA AIG.

Step 12: After getting all the documents, we will verify the claim form, policy documents, repair bills, etc., and based on that, we will either approve or reject the claim request.

Step 13: Once the claim has been approved, we will reimburse the payment in your authorised bank account within a few days.

Also Read: Car Insurance Claims Process - Reimbursement

Documents Required for Reimbursement Claims

In the Event of an Accident

• Copy of comprehensive car insurance policy documents

• Duly filled and signed claim form

• Copy of driving licence

• Copy of vehicle registration certificate

• FIR in case severe injuries and damages

• Original repair bills provided by the garage

• Photographs and video of damage to the vehicle

• Hospital bills if you opted for personal accident cover

**In the Event of an Theft

• Duly signed and filled out claim form

• Copy of driving licence

• Copy of registration certificate

• Policy documents

• FIR copy for theft

• The police gave no trace report

• Letter of subrogation

• Provide complete documentation at the time of filing a claim. Incomplete documentation can lead to claim rejection.

• It is crucial to ensure that the expenses for which you are filing a comprehensive car insurance claim are included in your plan.

• Make sure to file a comprehensive car insurance claim within a stipulated time frame.

• Make sure to include the photographs and videos of the damage at the time of filing a claim.

• Do not hide anything from the insurance provider. Disclose even the minor details to avoid a claim rejection.

• Follow traffic rules and regulations to avoid a claim rejection

Getting a car insurance full cover plan is crucial to protect your vehicle against various unforeseen situations. With TATA AIG's comprehensive four-wheeler insurance, you can shield your vehicle against various natural and man-made disasters.

Furthermore, our plan also comes with a unique list of add-ons such as engine secure, tyre secure, roadside assistance and more to enhance the coverage. With various benefits like easy bing and renewing process, cashless garages and more, you will get all-round protection. Secure your vehicle with our customised, comprehensive car insurance plan.