Lexus Car Insurance

Process of Buying Lexus Insurance Online

Go to the official website of Tata AIG.

Click on the “All Products” drop-down menu from the top bar.

Select “Car Insurance” under the Motor Insurance drop-down options.

Add the Lexus car registration number in the space provided.

Click on the “Get Price” option.

Enter the required personal information and vehicle details as requested on the screen.

Choose the policy coverage you require for your Lexus.

Select any add-ons you would like to combine with your policy.

Once you complete the selection of policy and add-ons, click on “Get Quote” to proceed.

You will now receive an instant policy premium quote on your screen, where you can check if the premium amount calculated is satisfactory.

If you are ready to go ahead, pay the premium mentioned on the screen using one of the many digital payment options available.

Once the payment is confirmed, you will receive the car insurance document for your Lexus in your inbox as an email.

Process of Lexus Car Insurance Renewal

Go to the official website of Tata AIG.

Select “Car” on the home page to begin Lexus car insurance renewal.

Enter your Lexus registration number.

Click on “Renew”.

Enter the required details on the renewal form regarding your previous policy, like expiration date, claims submitted and their details, etc.

Once done, review the policy details and add or remove any add-ons as required to get the final policy renewal quote.

After reviewing, pay the Lexus insurance cost required for renewal.

You will then receive your renewed car insurance policy for your Lexus in your email inbox.

The Lexus car insurance cost depends on multiple factors.

However, we at Tata AIG understand the need for affordable and effective car insurance plans to meet everyone’s needs.

To aid an easy decision-making process, we provide users with an online car insurance calculator to compare car insurance plans online in a few quick steps.

The three types of car insurance policies we provide include the following.

Third-Party Car Insurance

Third party car insurance plans are standard policies that cover against loss or damage caused to any third party by the insured Lexus car.

Here, the Lexus insurance cost is determined based on the cubic capacity of your vehicle’s engine, and the IRDAI assesses this value annually to change the premium value if required.

Standalone Own-Damage Car Insurance

Standalone, own-damage car insurance policies are curated to extend protection for your insured vehicle in case of an accident or other incidents like natural calamities that cause damage to the vehicle. You can also combine different add-ons with this plan to increase the coverage under this policy.

The premium for this category of car insurance is based on the age of the car, the geographical location of the vehicle, add-ons, and the Insured Declared Value (IDV). Use an online tool, if available, to determine the closest estimate of IDV for your Lexus car.

Comprehensive Car Insurance

Comprehensive Lexus car insurance is another policy category that provides extensive protection to your vehicle in case of loss or damage due to natural disasters and accidents. You can also increase the coverage by combining different add-ons available with us for this policy.

To calculate the premium for this insurance category, factors that are taken into consideration include the vehicle’s age, make or model of the vehicle, registration location, add-ons, driving record of the vehicle, claim history, and IDV.

Points to Remember:

Third-party car insurance is mandatory as per the Motor Vehicles Act. No car can be taken on the road without this insurance policy to avoid hefty fines and penalties and, in some cases, suspension of driver’s license.

Another law to abide by is to always travel with active insurance. If a driver is found with an expired insurance policy, heavy fines will be levied. Therefore, it is important to renew your Car insurance on time. Tata AIG provides 90 days for Lexus car insurance renewal after the policy expiration date for renewal.

If you're getting car insurance for your Lexus for the first time, it's important to understand the options available. TATA AIG offers three main types of car insurance plans:

Comprehensive Car Insurance

This plan gives you wide protection. It covers damage to your own Lexus due to accidents, theft, fire, or natural disasters. It also includes coverage for third-party damage, like if your car causes injury or damage to someone else’s vehicle or property. You can also choose helpful add-ons like zero depreciation, roadside assistance, or return-to-invoice cover for extra peace of mind.

Standalone Own-Damage Insurance

This plan covers only your car. It helps pay for repairs if your Lexus is damaged due to accidents, fire, theft, or weather-related issues. It does not include third-party cover. If you choose this, you must also buy a third-party plan to stay legal on the road.

Third-Party Car Insurance

This plan is required by law under the Motor Vehicles Act. It covers any damage or injury your Lexus may cause to other people, vehicles, or property. It does not cover your own car. Having this insurance is mandatory so that accident victims get fair compensation, even if the at-fault driver cannot afford to pay out of pocket.

To compare the cost of each type of plan and choose what works for you, try the vehicle insurance calculator on the TATA AIG website.

Buying Lexus car insurance online is not just convenient—it also gives you better control, flexibility, and clarity. Here are some key benefits:

• You can compare multiple car insurance plans for your Lexus at your own pace, without visiting a branch.

• Get instant, personalised quotes by simply entering your car’s registration number.

• Choose between third-party or comprehensive car insurance policies based on your coverage needs.

• Add useful features like Zero Depreciation, Roadside Assistance, and Engine Protection for enhanced protection.

• No paperwork is needed—the entire process is done online, from policy selection to payment.

• Make secure payments through trusted digital methods.

• Your policy document is emailed immediately after purchase, so you’re covered without delay.

• With TATA AIG, you get a seamless and transparent experience, backed by trusted customer support.

It’s a convenient way to ensure a luxury vehicle like a Lexus, especially when you're looking for flexibility and ease.

When you buy Lexus car insurance, you have the option to include extra features known as add-on covers. These add-ons help you get more protection than what a basic insurance plan offers. You can choose the ones you need and pay a small extra amount for them along with your regular premium.

Below is a simple explanation of the 20 add-on covers offered by TATA AIG.

• No Claim Bonus Protection Cover

This add-on helps you keep your discount at renewal time, even if you make one claim during the year.

Depreciation Reimbursement Cover (Zero Depreciation)**

This cover ensures you get the full cost of new parts during repairs, without any value deduction due to age or wear and tear.

• Return to Invoice Cover

If your car is stolen or completely damaged, this cover pays you the full on-road price you originally paid, not just the current market value.

• Engine Secure Cover

If your engine is damaged due to water entering or oil leakage, this cover pays for the repairs.

• Repair of Glass, Fibre, Plastic and Rubber Parts

If your car’s non-metal parts, like mirrors or bumpers, get damaged, this add-on pays for their repair.

• Key Replacement Cover

If your car keys are lost or stolen, this cover pays for new keys and locks.

• Tyre Secure Cover

If your tyres get damaged in an accident, this cover pays for their repair or replacement.

• Loss of Personal Belongings Cover

If your personal items inside the car get lost or damaged during an accident, this add-on pays for them. It does not cover cash, jewellery, or business items.

• Additional Towing Charges Cover

If your car breaks down or gets damaged and needs to be towed, this cover pays for the towing charges beyond what the basic plan covers.

• Consumable Expenses Cover

This cover pays for small parts like oil, nuts, bolts, and filters that are used while repairing your car after an accident.

• Misfuelling Cover

If the wrong fuel is filled in your car, this cover pays for the cost of removing it and fixing any damage caused.

• Daily Allowance Plus Cover

If your car is in the garage for repairs, this cover gives you money to use for travel or provides a temporary car.

• Roadside Assistance Cover

If your car breaks down on the road, this cover sends help for things like flat tyres, dead batteries, or emergency towing.

• Emergency Transport and Hotel Expenses Cover

If your car cannot be used after an accident and you are far from home, this cover pays for your taxi fare and hotel stay.

• Emergency Medical Expenses Cover

This cover pays for medical treatment if you or your passengers are injured in an accident.

• Electric Surge Secure Cover

This cover is for electric vehicles. It pays for damage caused to the battery or electric parts due to short circuits or water entry.

• Vehicle Loan Protector Cover

If the owner of the car dies or is permanently disabled due to an accident, this cover pays the remaining car loan to the bank.

• Reinstate Cover

If you forgot to report damage earlier, this cover allows you to include it in a future claim, as long as it is for the same part and the current claim is valid.

• Depreciation Allowance - Battery Cover
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  This cover pays the full cost of the car battery during replacement, without reducing the amount based on age. It helps you avoid out-of-pocket expenses even if the battery is a few years old. The benefit is provided through the depreciation allowance, which waives the standard deduction typically applied during claims.

• **Additional Third-party Property Damage Cover

If your car damages someone else’s property beyond the compensation offered in a basic third-party policy, this add-on bridges the gap by covering the extra repair or replacement costs. This helps protect you from paying large sums out of pocket. The extended support is provided through the Additional Third-party Property Damage Cover.

These add-ons are optional. You can choose the ones that make the most sense for your car usage and comfort. They are available only with comprehensive or own-damage car insurance plans. To check how much they will cost, you can use the vehicle insurance calculator on the TATA AIG website. It will help you plan your budget and pick the right coverage for your Lexus.

When you buy a TATA AIG motor insurance policy for your Lexus, it’s important to know what’s covered and what’s not. This helps you make better decisions and understand when you can raise a claim and when you cannot.

What’s Covered Under Lexus Insurance?

TATA AIG car insurance offers coverage under both third-party and comprehensive policies. Here’s what it includes:

• Natural Disasters

If your Lexus is damaged due to floods, earthquakes, storms, or other natural events, the policy will help pay for repairs, provided you’ve opted for a comprehensive or standalone own damage plan.

• Man-Made Incidents and Fire

The policy also covers damage from riots, strikes, vandalism, terrorist activity, fire, or explosions if you have comprehensive or own damage coverage.

• Theft of Vehicle

In case your Lexus is stolen or suffers total loss beyond repair, you will be paid the Insured Declared Value (IDV) under your comprehensive insurance.

• Personal Accident Cover for Owner-Driver

TATA AIG offers a personal accident cover of up to ₹15 lakhs for the owner-driver in case of death, permanent disability, or serious injuries from an accident.

• Transit Damage

If your Lexus gets damaged while being transported via road, rail, or air, the insurance can cover the repair cost under the comprehensive plan.

• Accidental Damages

If your Lexus gets damaged in a road accident, your comprehensive or own damage policy will cover the cost of repairs.

• Third-Party Liabilities

If your car causes injury, death, or property damage to another person, your third-party or comprehensive policy will cover those expenses.

What’s Not Covered Under Lexus Insurance?

While the policy offers wide coverage, there are a few exclusions you should be aware of:

• **Driving Without a Licence

If the driver doesn’t hold a valid licence at the time of the incident, the insurance won’t apply.

• Driving Under the Influence

Any damage caused while driving under the influence of alcohol or drugs will not be covered.

• Commercial Use of a Private Car

If your Lexus is insured for personal use and is used for business or commercial purposes, damage during that time is not covered.

• Illegal or Dangerous Activities

Damages caused while participating in races, stunt driving, or crash testing are not covered under the policy.

• Claims Outside Indian Borders

Your insurance is only valid within India. Any claim from outside the country is not accepted.

• General Wear and Tear

Normal ageing or wear and tear of parts like tyres, brakes, and clutch is not included.

• Routine Maintenance Costs

Expenses related to regular servicing, oil changes, or part replacements due to routine use are not part of the policy.

• War and Nuclear Events

Any damage caused due to war, war-like situations, or nuclear risks is excluded.

• Add-on Claims Without Purchase

You cannot claim benefits from an add-on if you haven’t bought it with your policy.

If your Lexus car is damaged in an accident, gets stolen, or faces any other covered issue, you can easily file a claim with TATA AIG by following these simple steps:

• Step 1: Contact TATA AIG Right Away

Call the customer care number 022-6489-8282 or visit the claims section on the official TATA AIG website. Share the details of what happened—whether it’s an accident, theft, or something else.

• Step 2: Share All the Needed Details

You’ll be asked for a few important things like your car’s registration number, the time and location of the incident, a short description of what happened, and how many kilometres your car has run.

• Step 3: Allow a TATA AIG Surveyor to Inspect the Car

After you’ve shared the details, a representative from TATA AIG will come to inspect your car and assess the damage. This is needed to move the claim forward. You’ll also get a reference number to track your claim.

• Step 4: Submit the Required Documents

Keep documents like your car insurance policy, registration certificate, photo ID, and a filled claim form ready. If the car was stolen or if it’s a serious accident, you may also need to submit a copy of the FIR.

• Step 5: Choose a Repair Option

You can pick either of the two options:

Cashless Claim: Take your car to a garage partnered with TATA AIG. The company will directly pay for the repairs.

Reimbursement Claim: If you go to a different garage, you’ll need to pay the bill first. Then, you can send the bills to TATA AIG and get the amount reimbursed.

Following these steps will help ensure that your Lexus car insurance claim is processed smoothly.

You can download your Lexus car insurance policy from TATA AIG online by following these easy steps:

• Visit the official website

• Go to the TATA AIG General Insurance website and click on the option to download your policy.

• Enter your policy number

• Type in your correct Lexus policy number.

• Enter your registered mobile number or email ID

• Use the contact details linked to your insurance policy.

• Click on ‘Get OTP’

• You will get a one-time password (OTP) on your phone or email.

• Download the policy copy

• Enter the OTP and click on download to save your policy as a PDF.

This method makes it easy to keep a digital copy of your TATA AIG Lexus car insurance policy for quick access whenever needed.

To raise a Lexus car insurance claim with TATA AIG, you must submit a few important documents. These help verify your claim and make the process faster and smoother.

• You need a copy of your Lexus insurance policy that is currently active.

• The vehicle’s Registration Certificate (RC) must be provided as proof of ownership.

• A valid driving licence of the person who was driving at the time of the incident is necessary.

• You must also submit a government-issued ID proof of the policyholder.

• A duly filled and signed claim form is required to start the process.

• If the claim involves theft or damage to a third party, you will need to provide a copy of the FIR.

• For reimbursement claims, keep the original repair bills and receipts safe for submission.

The insurance company may ask for more documents after inspecting your vehicle. Make sure everything is in order to avoid delays in processing your TATA AIG Lexus car insurance claim.

Protecting your Lexus with the right car insurance is important to avoid unexpected expenses that can cause financial and emotional stress. But beyond selecting the right coverage, it’s equally important to choose a reliable insurance provider.

Here’s why Tata AIG is a preferred choice for many Lexus owners:

Tata AIG is a trusted name in the insurance industry, with over 5 crore customers relying on us for their protection needs.

• We offer access to a wide cashless garage network of 5900+garages across India, so you can get your Lexus repaired quickly without upfront expenses.

• Our online car insurance calculator helps you easily compare plans and premiums so you can make an informed decision without visiting a branch.

• You can buy or renew your policy online in just a few steps—saving time and effort.

• Our dedicated 24/7 customer support team is always available to help you with questions related to policies, renewals, claims, and more.

• We offer 20 add-on covers for comprehensive protection, allowing you to customise your Lexus car insurance plan as per your specific needs.