Emergency Transport and Hotel Expenses in Car Insurance

Sometimes after an accident, your car might be too damaged to drive. You’re left figuring out how to get home or where to stay for the night. That’s exactly what this add-on is meant for. It helps cover the cost of a hotel stay and a taxi ride—either back to your home or to the nearest city you were heading to.

This benefit only applies when the accident leads to a valid claim on your car insurance. It won’t be available under a basic third party car insurance plan. You’ll need a comprehensive car insurance policy to access this cover. With TATA AIG, you can include this as an add-on to make sure you’re not stranded without support after an accident.

Read more: Emergency Assistance Service in Car Insurance

Follow these steps to file a claim for emergency transport and hotel expenses in car insurance under your TATA AIG policy:

1.Ensure the situation qualifies

This add-on is only applicable if your vehicle is immobilised due to an accident and a valid claim has been raised for that accident.

2.Log in and register your claim

Visit the TATA AIG website, log in to your account, and fill out the claim form with:

• Policy number
• Personal details (name, contact info, address)
• Driving licence information
• Details of the incident
• FIR copy (if required)

3.Get your car inspected and repaired

After the surveyor’s approval, take your car to a garage. You can choose from over 5,900 TATA AIG network garages for cashless repairs or opt for a non-network garage for reimbursement.

4.Submit all relevant bills

Upload receipts for hotel stay and taxi travel, along with repair estimates.

5.Claim settlement

TATA AIG will verify all documents and reimburse eligible expenses as per policy terms.

Being stuck after an accident is never easy, especially if you're far from home. This add-on helps you manage such situations better by covering essential costs like travel and stay, so you’re not left on your own.

1. Covers Hotel and Taxi Costs

If your car can’t be moved after an accident, this cover helps pay for a night’s stay and a cab ride—either back home or to the nearest city you were heading to.

2. Works When Your Main Claim Is Approved

This benefit kicks in only if the accident is serious enough for a valid insurance claim. So, it’s an extra layer of help that comes into play when you already need support.

3. Useful for Long Drives and Work Trips

Whether you’re on a work trip or a weekend getaway, this add-on ensures you won’t be stranded without transport or a safe place to rest.

4. Pairs Well with Comprehensive Cover

This add-on is available with comprehensive car insurance and is ideal if you drive often or cover long distances regularly.

Read more: Car Insurance Add-on Covers

Before adding the emergency transport and hotel expenses in car insurance coverage to your policy, it's important to know how it works and what conditions apply.

1. Check Distance Restrictions

Always read the policy terms carefully. Some insurance plans have limits on how far from home the accident must occur. If it's too close, the benefit under this add-on may not apply.

2. Only Available with Comprehensive or Own Damage Cover

This add-on is not available with third-party car insurance. You’ll need your own damage or comprehensive car insurance policy. With TATA AIG, choosing a comprehensive plan gives you access to this and many other helpful add-ons, along with coverage for third-party liabilities.

3. Know the Reimbursement Terms

The amount you can claim under this add-on depends on the policy terms. With TATA AIG, all claim limits and conditions are clearly stated, so you can assess whether the financial support offered matches your travel needs.

Car insurance isn’t one-size-fits-all. Add-ons help you customise your policy based on how you drive, where you go, and the kind of protection you expect. The Emergency Transport and Hotel Expenses add-on is especially helpful for those who take long road trips or drive between cities. It ensures you're not left managing travel or stay arrangements on your own after an accident.

With TATA AIG, you can choose from 20 different car insurance add-ons that offer real-world value. These include covers like Zero Depreciation, Engine Protection, Key Replacement, Roadside Assistance, Tyre Secure, Consumables Cover, Return to Invoice, NCB Protection, and more.

Whether you're buying a new policy or renewing your existing one, you can easily select the add-ons that matter most to you. The process is completely online, making it quick and convenient to update your coverage.

At TATA AIG, we understand that every car owner’s needs are different—which is why we offer the flexibility to build a policy that works for your lifestyle.