Mercedes-Benz Car Insurance

• Pays Ultra-High Repair Costs: A Mercedes-Benz car can cost up to ₹4.3 crores. This makes the cost of repairs and genuine parts astronomical, as replacing parts can cost the price of a regular sedan. Mercedes-Benz insurance can cover such costs.
• Meets Legal Requirements: To legally drive on public roads, you need to have third-party insurance coverage as per the Motor Vehicles Act. Without a valid insurance plan, you can face fines up to ₹4000 and imprisonment up to 3 months.
• Covers Third-Party Liabilities: Compensation for accidentally causing damage or injuries to third parties can be very high. A third-party car insurance plan covers bodily injuries, death and property damage up to ₹7.5 lakhs, limiting your liability.
• Complete Financial Protection: Insurance for a Mercedes-Benz covers a wide variety of risks from collisions and fire to theft and natural disasters like floods and hurricanes. Car insurance covers both repairs and full replacement in case of theft or a total loss.
• Car Theft Protection: In Delhi alone, 36,177 car thefts were reported in 2021, up from 33,128 cases in 2020. With car theft on the rise in recent years, having a Mercedes-Benz auto insurance plan is necessary, as it helps cover replacement.
• Coverage Against Disasters: Devastating natural events, such as floods, landslides, earthquakes and hurricanes, can lead to the total loss of your vehicle. Car insurance plans provide full coverage against a wide variety of such natural disasters.
• Personal Accident Protection: Insurance plans for Mercedes-Benz cars also protect the driver and family members with personal accident cover. It provides a fixed compensation for the owner-driver’s death, permanent disability and loss of limb.

• Third-Party Car Insurance

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• Standalone Own Damage Car Insurance

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• Comprehensive Car Insurance

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• Zero Depreciation Car Insurance

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• Usage-Based Car Insurance

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• No Claim Bonus: We offer an attractive No Claim Bonus on car insurance renewal, starting at 20% off on the premium. For five claim-free years, the yearly NCB discount goes up to 50%.
• Fully Customisable Plan: Your TATA AIG car insurance is fully customisable, as you can modify the coverage limit, tenure, and plan options. You can also enhance your base plan with 8+ add-on covers.
• 100% Digital Insurance: With a fully online car insurance, you can buy, renew, manage or file claims with a few clicks. Use the TATA AIG app or website to check your insurance details or submit documents.
• Easy Cashless Claims: Get access to an extensive network of 6301+ cashless garages, including authorised service centres for Mercedes cars. We also ensure a completely hassle-free claim settlement process with multiple options.
• Pay-As-You-Drive Option: The best car insurance plan lets you save on premiums if you only use your Mercedes car occasionally. With a usage-based discount, you only pay for the kilometres you have driven.
• Complete Transparency: When you buy car insurance from TATA AIG, you are assured of complete transparency regarding costs and terms. We offer tools to help you compare car insurance plans with a full cost breakdown.
• All-Round Protection: Our car insurance for Mercedes-Benz provides a wide range of coverage, including accidents, fire, theft, transit damage, natural disasters, manmade disasters, and third-party liabilities. With it, you get complete financial protection.
• Paperless Plans: Our purchase and renewal process requires only a few basic documents without any physical documentation. We also have a paperless issuance process, as we send only soft copies of policy documents.

What’s Covered

• Repair costs for damage or loss due to an accident
• Legal liabilities due to third-party injuries, property damage or fatalities
• Damage or loss from floods, earthquakes, typhoons, cyclones, landslides, hailstorms, and frost
• Damage or loss from riots, terrorist acts, strikes, vandalism and other malicious acts
• Damages that occur while your Mercedes car is being transported via air, road, rail, waterways or elevators
• Compensation up to the Insured Declared Value for car theft
• Damage from fire, explosions, self-ignition and lightning
• Personal accident cover up to ₹15 lakhs for the owner-driver’s death or permanent disability

What’s Not Covered

• Damage to tyres and tubes unless the car is damaged at the same time
• Any accidental loss or damage when the car’s driver is under the influence of drugs, alcohol or other intoxicants
• Damage or loss that happens due to the owner-driver’s negligence
• Any loss or damage that happens outside the policy’s geographical limits, i.e., India
• General maintenance costs, wear and tear, depreciation and ageing-related damage
• Damage from extraordinary events like war, invasion and nuclear attacks

Based on your chosen plan, you can include 8+ add-ons to your TATA AIG plan to enhance its base coverage. The full list of add-ons is available on our add-on list page. Here are some useful Mercedes-Benz insurance add-ons:

• Zero Depreciation: The Zero Depreciation Add-On reimburses the amount deducted for depreciation on car parts replaced due to an own damage claim for an accident. Highly useful for expensive cars.
• Return to Invoice: The Return to Invoice Add-On covers the difference between the car’s IDV and on-road price, including the cost of accessories, road tax, registration charges and insurance premiums.
• Engine Secure: The Engine Secure Add-On pays for repairs and replacement of engine parts, gearbox and transmission due to water ingress or leakage of lubricating oil.
• Emergency Medical Expenses: This add-on pays for hospital bills and ambulance charges for medical treatment of the driver and co-passengers.
• No Claim Bonus Protection Cover: The NCB Protection Cover lets you make a single own damage claim without loss of the No Claim Bonus that you have accumulated over the years.
• Misfuelling Cover: This add-on pays for draining, cleaning and repairing the fuel system after you have filled the wrong fuel type at a petrol pump.

Instant Online Purchase and Policy Issuance

Complete your purchase with a few clicks and get the policy delivered

1. Enter Registration Number: Find the premium tool at the top of this page. Type in your car registration number and click on ‘Get Price’.

2. Provide Some Details: Enter the required details, including brand, model, variant and contact number.

3. Choose Your Plan: Choose a car insurance plan and modify the coverage terms. Then, include add-ons as needed.

4. Proceed with Purchase: Check the premium quotes showing the Mercedes-Benz insurance price. If acceptable, pay the premium amount to complete your purchase.

1. Find My Policy: Scroll up and find the ‘My Policy’ menu at the top right.

2. Log in: Click on the ‘Login’ button and sign in using your registered mobile number and OTP.

3. Go to Policy Download: Once logged in, go to the ‘Policy Download’ section. Enter either your Mercedes car registration number or existing policy number.

4. Save the Document: Click on ‘Download Policy Document’ and save the PDF copy. Alternatively, send a copy to your email address.

How to File a Claim

1: Inform TATA AIG as soon as possible and file a claim via the claims portal, mobile app or customer support number (0422-6489-8282).

2: First, complete the self-inspection by uploading photos or videos of your damaged car. We may also arrange for a surveyor to visit and inspect your vehicle.

3: Take your insured car to a TATA AIG network garage. If you cannot get to a network garage, you can get repairs at a non-network garage for a reimbursement claim.

4: Collect and submit all the required documents, including the claim form, driving licence, RC, original invoices and payment receipts.

5: After approval and verification, we will either settle your repair bills directly (for cashless claims) or send you the reimbursement amount (for reimbursement claims).

Documents Required

• Copy of car insurance policy documents
• Duly filed and signed claim form
• Vehicle Registration Certificate (RC)
• Driving licence
• Proof of damage (photos and videos)
• Original repair bills and receipts
• FIR or police report (for theft, major damage and third-party claims)
• Court notice or summons (for third-party claims)
• Original vehicle keys
• Garage repair estimate
• Identity and address proof
• RTO transfer papers (if applicable)
• NOC from financier (loaned vehicles)
• Medical and repair bills (for third-party claims)

We offer a simple and user-friendly online premium calculator that helps you determine your Mercedes-Benz insurance costs based on terms and vehicle-related details. To use this tool, enter the registration number, review the vehicle details and enter the details of your chosen plan, such as IDV and tenure.

Here are some essential details to determine the insurance costs:

• Car’s Insured Declared Value
• Age and condition of the vehicle
• Engine capacity and fuel type for third-party premium
• Cost of total add-ons selected
• Amount of voluntary deductible
• Policyholder’s previous claims history
• Miscellaneous factors like registration location, safety features, etc.

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Disclaimer: The car price varies with different locations, variants and showrooms. The third-party insurance premium rate is fixed by the Insurance and Regulatory Development Authority of India (IRDAI) based on the car’s engine or battery capacity and fuel type.