Daily Allowance in Car Insurance In

Daily allowance in car insurance is an optional add-on to your comprehensive car insurance policy that provides you with compensation if your car is in the repair shop for an extended period. This helps cover the cost of your daily commute, easing the financial strain when you're without your car.

For example, TATA AIG's Daily Allowance Plus offers a unique benefit. If your insured vehicle is damaged and repairs are required under a covered peril, TATA AIG compensates you for the cost of hired transport during the repair period. This cover helps ensure you're not financially burdened while your car is being repaired.

Here’s how TATA AIG stands out:

• The Daily Allowance Plus provides compensation for up to 15 days if the car is involved in a theft or total loss, including Constructive Total Loss.

• The daily allowance car insurance cover is provided as per the schedule mentioned in your policy, offering clear terms on how many days the allowance will be paid.

Unlike some other policies, TATA AIG’s daily allowance in car insurance ensures that you're covered for a significant period, allowing you to maintain mobility without the added worry of transport expenses. This makes it an ideal choice for anyone looking for comprehensive, hassle-free support during their car's repair time.

The daily allowance in car insurance provides a range of benefits, making it an essential add-on for policyholders. Here are the key advantages:

• Financial Support: One of the biggest benefits of daily allowance car insurance is the financial support it provides. If your car is in the shop for repairs, this coverage ensures you can continue to commute without worrying about transportation costs, giving you peace of mind while your car is off the road.

• Convenience and Mobility: With the daily allowance in car insurance, you don’t have to disrupt your daily routine, especially for commuting to work. The coverage ensures you're not left without transport, allowing you to manage your day-to-day activities smoothly.

• Money-Saving Opportunity: The compulsory personal accident cover provides a set compensation amount, and you can save money by choosing more affordable public transportation options. This allows you to manage transportation without unnecessary expenses.

• Extended Coverage for Longer Repairs: For repairs that last more than three days, this add-on ensures you're compensated for up to 15 days, ensuring you're covered for longer repair times. TATA AIG offers this feature as part of its Auto Secure - Private Car Package Policy, ensuring you don’t face transportation issues during extended repair periods.

• Peace of Mind: The daily allowance in car insurance eliminates the worry of being stranded, offering a simple solution to cover your transport costs while your car is being repaired. This ensures minimal disruption to your routine, providing a smoother experience during the repair process.

• The availability of daily allowance add-on cover is limited to standalone and comprehensive car insurance plans only. You cannot combine this add-on with a third-party car insurance policy.
• The daily allowance add-on is not readily available with insurance policies. You must combine this add-on with your base policy to reap its benefits.
• Adding daily allowance cover to your base policy will increase the overall premium value of your car insurance policy, making it a little more expensive than the base policy.
• You must assess the number of claims allowed by an insurer under the daily allowance add-on cover. In most cases, this number is limited to 2-3 times a year.
• The daily allowance cover is available for 10 to 15 days only. However, if your car is repaired before this period, you will only get cover for the number of days the repair work continues, not the fixed 10 to 15-day period.

TATA AIG offers a wide selection of 20 add-ons to enhance your car insurance policy, allowing you to customise your coverage based on your unique needs. One of the popular features is the daily allowance in car insurance, which provides compensation for transport costs when your car is in for repairs. However, this is just one of many options. TATA AIG provides various add-ons, such as zero depreciation cover to ensure full replacement value and protection against engine damage, giving you comprehensive protection.

Additionally, TATA AIG offers features like Return to Invoice to help recover the original value of your vehicle in case of total loss, and No Claim Bonus protection, which ensures you don’t lose your discounts even after making a claim. Other useful add-ons include Engine Secure, which covers repairs for engine and gearbox damage due to water ingression or fluid leakage, and
Roadside Assistance, offering support for breakdowns, including towing and emergency services.

With 20 car insurance add-ons, TATA AIG provides the flexibility to tailor your policy to suit your needs, giving you peace of mind and thorough protection, including compulsory personal accident cover and other specialised options.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.