Car Insurance
Premium Starts at ₹2,094*/Year | Save up to 75%*
What is Car Insurance?
Car insurance is a cover that helps you deal with costs if your vehicle is damaged in an accident, stolen, or affected by situations like fire or natural disasters.
In India, it’s mandatory to have third-party insurance, which covers damage caused to someone else’s vehicle or property. If you want protection for your car, too, a comprehensive policy is the better choice. It includes third-party cover, damage to your vehicle, and can be enhanced with add-ons such as zero depreciation, engine protection, roadside assistance & more.
With TATA AIG, you can get a quote in just 3 clicks, enjoy up to an 85% discount on new car insurance, and receive up to a 75% discount on car insurance for an existing or rollover vehicle. Additionally, you can access over 5,900+ cashless garages across India. It’s a smart, simple way to stay financially secure whenever your car is out on the road.
Car Insurance for Electric Vehicles (EVs)
When it comes to electric vehicles, it’s important to note that they are built differently from cars that use internal combustion engines. Electric vehicles use high-voltage batteries and very advanced electrical systems, all of which, if damaged, can be extremely expensive to repair. It’s also worth checking a standard car insurance policy to ensure adequate protection for these different components. For these reasons, we recommend that you specifically go for an electric car insurance policy, which will cover you for the specific risks of an EV.
Tata AIG has specialised electric vehicle insurance coverage designed for electric cars. With the Electric Surge Secure add-on to your car insurance, you’ll be covered if your EV battery suffers damage from a short circuit, arcing, or if water makes its way into the battery system. You’ll also be covered for damage to charging equipment, provided the charging equipment is manufacturer-approved and is covered in the Insured Declared Value. With these benefits, your most expensive components to repair – major EV parts – will remain insured against costly repairs should something go wrong.
Key Features of TATA AIG’s Car Insurance
| Key Features | Benefits | |
|---|---|---|
Car Insurance Premium | Starts at ₹2,094 | |
Save up to 75% on Premium | Available for older vehicles on online purchases | |
Buy/Renew in 3 Steps | Fast and easy online process to buy or renew your car insurance | |
No Claim Bonus | Up to 50% discount after 5 consecutive claim-free years. | |
Customisable with Add-ons | Multiple add-ons to protect your four-wheeler with an all-round car insurance policy | |
No Claim Bonus | Up to 50% discount on car insurance premiums after 5 consecutive claim-free years | |
Damages to Third Party | Covers third-party injuries or property damage | |
Own Damage Cover | Covers damages to your vehicle from accidents, man-made, and natural disasters. | |
Customisable with Add-ons | Choose from 20 add-ons for comprehensive car insurance. | |
Cashless Garages | 5900+ Cashless Garages & Roadside Assistance | |
Claim Assistance | 650 experts for fast, easy claims. | |
Personal Accident Cover | Up to ₹15 lakhs |
Types of Car Insurance in India
TATA AIG offers Comprehensive, stand-alone own damage and stand-alone third-party car insurance policies. Additionally, you can select from various useful options, including Zero Depreciation, Engine Protection, Roadside Assistance, Return to Invoice, and Key Replacement, among others. The price of your policy is based on your car’s value and model, and your residential postcode, so you are guaranteed the coverage that you require.
Comprehensive Car Insurance Policy
A comprehensive car insurance policy provides a complete level of protection for your vehicle and third-party liabilities. It covers damage caused by accidents, theft, fire, and natural disasters, allowing you to drive without worry of unexpected events. However, there is one caveat: not everything is covered.
Stand Alone Own Damage Car Insurance Policy
A own damage cover policy only covers damage to your personal vehicle. This damage can be caused by accidents, theft, fire, and natural disasters; however, it does not provide third-party liability. To cover third-party liabilities, one must purchase a separate third-party car insurance policy.
Stand Alone Third Party Car Insurance Policy
A standalone third party car insurance policy is legally required and provides coverage for damages to someone else’s vehicle, property, or injuries caused by your car. It doesn’t cover your own vehicle’s damage, but you can add personal accident cover for the driver or passengers separately.
Comprehensive vs Third-Party vs Own Damage Car Insurance
The three types of car insurance available in India are - comprehensive car insurance, third-party car insurance & own damage car insurance. To choose the right policy for your needs, you need to understand the difference between third-party, comprehensive & own damage insurance policies.
| Feature | Comprehensive | Third Party | Own Damage |
|---|---|---|---|
Coverage | Covers own damage, third-party liabilities, theft, natural calamities, and man-made disasters. | Covers third-party injury, death, or property damage. | Covers damages to the insured car due to accidents, fire, theft, and natural calamities (third-party not included). |
Legal Requirement | Not mandatory. | Mandatory under the Motor Vehicles Act, 1988. | Not mandatory, but can only be purchased if you have an active third-party policy. |
Cost | Higher due to broader coverage. | Cheapest as it offers basic coverage. | Cost depends on car value and selected add-ons; total cost with third-party policy may approach that of a comprehensive policy. |
Exclusions | Driving under the influence, wear & tear, outside geographical limits. Also excludes mechanical/electrical breakdown, driving without a valid license, driving outside the geographical limits, and consequential losses( loss of income due to business interruption, ongoing expenses during downtime, etc). | No coverage for own damage. | No third-party coverage, wear & tear, or negligence.Also excludes mechanical/electrical breakdown, driving without a valid license, driving outside the geographical limits, and consequential losses.( loss of income due to business interruption, ongoing expenses during downtime, etc). |
Add-ons | Available (bumper to bumper cover, roadside assistance, etc.). | Not available. | Available (zero depreciation cover, engine protection cover, etc.). |
What's Covered Under Car Insurance Policy by TATA AIG?
TATA AIG General Insurance Company four-wheeler insurance policy offers you a wide coverage against multiple circumstances such as:
Accident Damages
Covers repair costs for damages from accidents with comprehensive car insurance or Stand-Alone Own Damage (SAOD) cover.
Theft
Compensates up to the Insured Declared Value (IDV) if your car is stolen. SAOD policies cover theft only with an active third-party policy.
Natural Disasters
Covers damages from floods, cyclones, earthquakes, and other natural events with comprehensive car insurance or SAOD cover.
Man-Made Calamities & Fire
Covers damages from riots, terrorism, strikes, and fire-related incidents with comprehensive or SAOD policies.
Transit Damages
Covers damages during transportation via road, rail, air, or water with comprehensive car insurance or SAOD policies.
Third-Party Liability
Covers third-party damage, injury, death, and property damage with third-party car insurance or comprehensive car insurance.
Personal Accident Cover for the Owner-Driver
Optional cover up to ₹15 lakhs for injuries or death of the owner-driver. Passenger cover is available as an add-on.
Car Insurance Add-Ons
Enhance coverage with Roadside Assistance, Engine Secure, Tyre Secure, and Zero Depreciation Cover.
What's Not Covered Under Car Insurance Policy by Tata AIG?
- Damages suffered after driving without a proper license
- If the vehicle is used outside the geographical area i.e. outside India
- Damages caused due to driving under influence of alcohol or drugs
- Ordinary wear and tear due to regular usage and depreciation.
- Costs insured towards general maintenance of the vehicle.
- Damages caused due to negligence of the driver
- Using a private vehicle for commercial usage
- Damages caused due to speed racing, crash testing, etc.
- Damages caused due to war or war-like situations in the country, and nuclear peril.
- Damages covered under a specific add-on when the add-on is not included
Policy Documents Downloads : Click Here
TATA AIG Car Insurance Add-on Covers
Add-on covers are optional benefits that can be included in your car insurance policy to provide extended protection beyond the basic coverage. TATA AIG offers a comprehensive list of add-ons that can be availed by paying an additional premium. These covers are subject to specific terms and conditions as outlined in the policy.
No Claim Bonus (NCB) Protection Cover
This add-on preserves your No Claim Bonus even if you make one own damage claim during the policy term, provided you’ve had at least two consecutive claim-free years prior. It ensures you don’t lose your renewal discount benefits for a single minor claim.
Depreciation Reimbursement Cover
Depreciation Reimbursement Cover also known as Zero Depreciation pays you the amount of depreciation deducted on parts replaced in your own damage claims. Normally, depreciation reduces your claim amount based on the age and type of parts replaced, but this add-on allows you to recover that cost for up to two claims in the policy period. It essentially covers the full cost of parts, preventing you from bearing depreciation expenses during repairs necessitated by accident.
Return to Invoice Cover
In the unfortunate event of your vehicle being declared a total loss, constructive total loss, or stolen, the Return to Invoice Cover reimburses you the difference between your vehicle’s Insured Declared Value (IDV) and the original on-road price of a new vehicle of the same make and model. This includes applicable registration fees, road tax, and insurance charges. For vehicles with discontinued models, the last listed on-road price by the manufacturer or dealer will be used. It is important to note that theft or total loss claims must be supported by a police investigation report for this cover to apply.
Engine Secure Cover
Engine Secure Cover protects you against repair or replacement costs of internal engine parts, including the gearbox, transmission, and differential assembly, arising from accidental damage to your vehicle.
Coverage applies specifically when damage is caused by water ingress into the engine or leakage of lubricating oil from these assemblies. This add-on excludes damage caused by normal wear and tear, corrosion due to delay in reporting the damage, and losses arising from improper vehicle maintenance.
Repair of Glass, Fibre, Plastic & Rubber Parts Cover
Repair of Glass, Fibre, Plastic & Rubber Parts Cover provides repair costs (not replacement) for accidental damage to glass, plastic, rubber, or fibre parts of your vehicle. Opting for this add-on will not affect your No Claim Bonus, provided this is your only claim and does not exceed one claim during the policy period. However, costs related to painting these parts without accompanying repairs are not covered under this add-on.
Key Replacement Cover
Key Replacement Cover reimburses the cost of replacing your vehicle’s keys if they are lost or stolen. It also covers labour costs involved in replacing locks if your vehicle is broken into. This cover excludes key replacements for vehicles not owned for personal use.
Tyre Secure Cover
Tyre Secure Cover protects against repair or replacement costs of tyres and tubes damaged due to accidental causes. It does not cover damage caused by natural wear and tear, uneven tyre wear due to defective steering geometry or wheel balance issues, losses occurring within the first 15 days of the policy, or damage that results in the total loss of the vehicle.
Loss of Personal Belongings Cover
This add-on covers the loss or damage to personal belongings inside your vehicle at the time of loss or damage to the vehicle itself. A claim excess of ₹250 applies per claim. It excludes items such as money, securities, credit or debit cards, jewellery, travel tickets, goods carried in connection with any trade or business, and similar valuables.
Additional Towing Charges Cover
If your vehicle is disabled due to an insured peril covered under Section I of the policy, this add-on reimburses you for towing charges to the nearest authorised garage or service station. However, towing costs are not payable if the claim under Section I is inadmissible. This add-on also excludes consequential losses and losses covered under the manufacturer’s warranty or recall campaigns.
Consumable Expenses Cover
Consumable Expenses Cover pays for the replacement or replenishment of consumables such as engine oil, gearbox oil, lubricants, nuts, bolts, screws, distilled water, oil filters, and air conditioning gas following an accident. Fuel costs are excluded from this cover. To claim this benefit, repairs must be carried out at an authorised garage, and a valid own damage claim must be in place.
Misfuelling Cover
Misfuelling Cover reimburses you for the cost of flushing out wrong or adulterated fuel from your vehicle’s tank and for repairing any damage caused by misfuelling. Additionally, it reimburses the cost of the wrong fuel filled, up to a maximum of ₹2,000, upon submission of the relevant bill. This cover is limited to one claim per policy period.
Daily Allowance Plus Cover
This add-on provides financial compensation to reduce inconvenience during the repair period. It includes a daily allowance to cover hired transport costs or the provision of a courtesy/hire car while your vehicle is being repaired. The courtesy car may not be an exact match for your vehicle in terms of size or value. In the event of theft or total loss, this benefit is available for up to 15 days within the policy period.
Roadside Assistance Cover
Roadside Assistance offers a range of emergency support services including flat tyre repair, battery jump-start, emergency fuel delivery, towing assistance, spare key retrieval, emergency message services, vehicle pick-up for repairs, and even hotel accommodation to assist you during vehicle breakdowns or accidents.
Emergency Transport and Hotel Expenses Cover
This add-on reimburses overnight hotel accommodation and taxi charges incurred if your vehicle becomes immobilised after an accident. This benefit is payable only if there is a valid and admissible claim for vehicle damage arising from the same accident.
Emergency Medical Expenses Cover
This cover pays for emergency medical expenses for injuries sustained by you, the driver, or passengers as a direct result of a vehicle accident. Expenses related to sickness, disease, or physiotherapy are excluded.
Electric Surge Secure Cover (For Electric Vehicles)
This add-on protects electric vehicles and their charging equipment against damage caused by electrical faults such as arcing, short circuits, self-heating, or water ingress. The maximum liability is limited to the Insured Declared Value (IDV) of the vehicle. Losses arising from manufacturing defects, improper battery usage, or charging outside manufacturer specifications are excluded.
Vehicle Loan Protector Cover
In the unfortunate event of death or permanent total disability of the owner-driver due to an accident, this add-on pays the outstanding vehicle loan amount payable to the financial institution. Claims are not payable if the injury or death results from intentional self-harm, suicide, or while under the influence of alcohol or drugs.
Reinstate Cover
Reinstate Cover reimburses the cost of repair to one panel of your vehicle if accidental damage occurred during the policy period but was reported late along with a subsequent own damage claim. Repairs must be possible without part replacement. Liability under this add-on is limited to the repair of one panel and up to the sum insured under this cover.
Why Do You Need Car Insurance?
Car insurance or a four-wheeler policy is necessary to protect your car and you from various situations and scenarios that lead to financial damages. Here are some of the reasons why you need to have a third-party or comprehensive four-wheeler insurance policy:
Compliance with the law
According to the Motor Vehicles Act, having a third-party car insurance policy is compulsory by law. Therefore, every car plying on Indian roads must be covered at least by 3rd party insurance.
Without a valid policy, you could get into trouble with the law and have to pay hefty traffic fines.
Protection against financial losses in case of accidents
A bump or deep scratch on your car due to an accidental collision or an act of vandalism can lead to financial damages. Here, an Own Damage cover or comprehensive car insurance is useful as they offer complete protection to the insured vehicle from various kinds of damages, right from theft and accidents to damage due to natural disasters and more.
Cover against theft
If your four-wheeler or any of its parts are stolen, your car insurance policy provides financial protection by compensating you for the loss, including the cost of replacing or repairing the stolen parts. In the event of total loss where the vehicle is damaged beyond repair or declared a Constructive Total Loss (CTL), meaning the repair cost exceeds 75% of the Insured Declared Value (IDV), or if the entire vehicle is stolen, Tata AIG General Insurance Company ensures a prompt and smooth claim settlement. You will be compensated up to the IDV of your car, enabling you to recover your loss effectively.
Cover against natural calamities
In case of floods, cyclones, storms, earthquakes or other natural calamities, your car can face significant damages and the extent of repairs can get costly.
The financial plan provided by your four-wheeler insurance cover helps take care of these damages so that your car is safe and in good condition even in harsh weather.
Personal Accident Cover
With a car insurance policy, you can avail of a personal accident cover of Rs.15 lakhs, as per guidelines issued by the Insurance Regulatory and Development Authority of India, in the event of bodily injury leading to death or disability of the policyholder or the owner-driver of the vehicle.
No Claim Bonus
With No Claim Bonus (NCB), you can enjoy discounts on the renewal OD premium after consecutive claim-free years. You start with a 20% discount after one claim-free year, which goes up to 50% from the fifth consecutive claim-free year.
Access to Cashless Garages
With a network of over5900+ cashless garages, you can ensure that your car will be taken care of in the event of damages or losses. You need not worry about settling the payment; simply file a claim with us, and we will settle the dues with the cashless garage at the earliest!
Protection from third-party liability
Third-party liability arises when the insured four-wheeler causes accidental damage to a third-party vehicle or property or injuries to a third-party person. Third-party car insurance or even a comprehensive car insurance policy covers these third-party liabilities and protects the policyholder of the insured car from financial damages. At TATA AIG General Insurance Company, we offer four-wheeler insurance policies with basic and extensive insurance coverage to protect you from a host of damages.
Benefits of TATA AIG Car Insurance
3 Click Quote – Quick and Easy
Obtaining a quote for your car insurance online is simple, requiring just three clicks. You can quickly enter a few details and get an instant quote, making it easy to choose the best coverage for your car without any hassle.
85% Discount on New Vehicles
When you buy a new car, TATA AIG offers you an 85% discount on your car insurance online. This means you can save a significant amount on your premium, ensuring you get the best value right from the start.
5,900+ Network Garages – Easy Access to Service
With over 5,900+ network garages across India, you can easily get your car serviced at a trusted garage. Whether it’s routine maintenance or emergency repairs, you’ll always have easy access to reliable service, ensuring your car stays in top shape.
75% Discount on Rollover Policy
Cashless claims with TATA AIG General Insurance Company’s car insurance policy are easy. We have a network of over 7,500 garages across India, so no matter where you are, you’ll have a network garage close by for a cashless claim. if you're unable to reach one of our network garages, you can get repairs done at any trusted garage for accident-related damage, and we will assist you in processing a reimbursement claim. Either way, your vehicle’s accident repairs will be supported efficiently.
How Is TATA AIG General Insurance Company Different?
When you buy a car, you conduct thorough research - from the engine to the design, from the model’s performance to the brand’s reliability, from the USP to the price, you check it all. You should follow the same process when finalising a car insurance policy. If you are looking to insure your four-wheeler, here’s why you should consider the Tata AIG motor insurance policy:
The TATA AIG General Insurance Company’s Promise
24 years of TATA AIG General Insurance Company, signifies the promise of commitment, transparency and integrity with every car insurance policy.
Performance-Driven
With over 650 claim experts across India, we work hard to make sure that your vehicle insurance experience is seamless.
Customer-Centric
We offer a wide network of 10,000+ garages and boast of a huge and satisfied family of 5 crore customers.
How To Buy/Renew Car Insurance Online
Input the Car Registration Number and select Get Price (new policy) or Renew (existing Tata AIG policy).
Fill up the car and personal details as prompted by the screen. Also, select the policy coverage and add-ons of your choice.
You will get an instant car insurance premium quote. If you are satisfied with the quote, you can proceed to pay the premium online.
How to Buy New Car Insurance Online?
Purchasing new car insurance online with TATA AIG General Insurance Company is a simple and secure process. Follow these steps to get the right policy:
Step 1:
Visit the official TATA AIG General Insurance Company website. Click on ‘Get Quote’ or the relevant option to begin.
Step 2:
Enter your vehicle details, including make, model, fuel type, variant, and registration location. For brand-new cars, TATA AIG General Insurance Company may also ask for the delivery date to provide an accurate quote.
Step 3:
Provide your mobile number and PIN code. TATA AIG General Insurance Company uses these details to generate a quote based on your vehicle and location.
Step 4:
Choose and customize your preferred car insurance policy by selecting available coverage options and add-ons.
Step 5:
Select eligible add-ons, such as Zero Depreciation, Engine Protection, or others, based on your vehicle’s age and the policy terms. Make sure to check the eligibility of each add-on, as it depends on the vehicle's details.
Step 6:
Personal Accident Cover (PA) is mandatory but can be purchased separately if already covered under another policy.
Step 7:
Adjust the Insured Declared Value (IDV) within the allowed range. A higher IDV may increase premiums but does not always mean better coverage.
Step 8:
Enter RTO details, engine/chassis number, and nominee information. Some details may be auto-fetched based on vehicle registration for a quicker process.
Step 9:
Review all details carefully, complete the payment, and download your TATA AIG General Insurance Company car insurance policy. Instant issuance is available once verification is complete, but in some cases, additional approval may be required.
How to Renew Your Car Insurance Policy?
Renewing your car insurance policy online with TATA AIG General Insurance Company is a straightforward process and ensures you maintain uninterrupted coverage. Follow these steps:
Step 1:
Visit the official TATA AIG General Insurance Company website and open the ‘Car Insurance Renewal’ section.
Step 2:
Enter your policy details, vehicle registration number, or mobile number for verification. TATA AIG General Insurance Company will use these details to retrieve your policy and verify your identity.
Step 3:
Check the updated renewal price based on your Insured Declared Value (IDV), No Claim Bonus (NCB), and add-ons. The renewal amount will vary depending on your vehicle's current value and any claims during the previous policy period.
Step 4:
Select eligible add-ons, such as Zero Depreciation or Engine Protection, if applicable. Note that some add-ons may not be available if the vehicle exceeds the eligibility criteria.
Step 5:
Verify your details and renewal terms, including your No Claim Bonus (NCB) benefits and updated IDV. NCB may be applied if there were no claims during the previous policy period.
Step 6:
Make the secure payment for the renewal. If your policy has lapsed beyond the grace period, TATA AIG General Insurance Company may require a vehicle inspection before approval.
Step 7:
Download the updated policy after completing the payment. Set renewal reminders to avoid any future lapses in coverage.
Why Immediate Insurance Renewal for Your Car is Important?
A car insurance policy acts as a shield against unexpected circumstances while you are driving on the road. Thus, letting your car insurance expire can bring significant financial and mental implications.
You must car insurance renewal process at least 1 week before the expiry date, and here is why you must do so -
Avoid Fines—Driving without a valid car insurance policy is against the law and can result in traffic fines. Thus, renewing immediately ensures continuous coverage and compliance with the law.
Reduced Risk of Losing NCB Cover - With immediate car insurance renewal, you can benefit from continuous No Claim Bonus that will reduce the premium value for timely renewal for every claim-free year. Any gap in renewal can risk resetting your NCB to zero, resulting in higher premiums.
Low Scope of Missing Due Dates - Remembering due dates all the time can be a hassle, especially since everyone has many things to worry about. Thus, instead of postponing renewal until a day before the due date, completing it immediately ensures zero risk of losing policy coverage due to forgotten due dates.
Avoid Out-of-Pocket Expenses in Emergencies - Accidents can occur anytime without a heads-up. Thus, completing car insurance renewal now will safeguard your out-of-pocket expenses, which might be significant in case of delayed renewal, resulting in a total loss of coverage.
What Happens If Your Car Insurance Expires?
In case you fail to renew your four-wheeler insurance before it expires, do not fret. When there is a break in the policy, you can buy fresh cover for your vehicle from us; however, we might need you to do a self-inspection or send an inspector or surveyor to inspect your vehicle before the policy is issued. Need more?
If you purchase car insurance from us within 90 days post the expiry of your previous policy, you may be allowed to keep your No Claim Bonus (NCB) subjected to inspection. If you buy the policy within 2 days post the expiry of your previous policy, we will waive off inspection.
Here is how you can renew an expired car insurance policy with Tata AIG:
Step 1 - Go to the TATA AIG car insurance renewal page.
Step 2 - Input your car registration number. Click on ‘Renew.
Step 3 - Provide the details as prompted by the screen. Choose from the list of add-ons, such as:
- Zero Depreciation Cover (Depreciation Reimbursement)
- Roadside Assistance Cover
- Return to Invoice Cover
- Engine Secure
- Tyre Secure
- No Claim Bonus (NCB) protection, etc
Step 4 - Also, keep at hand information about any claims made in the previous policy tenure and date of expiry of the policy. Additionally, you will need details of the car’s make and model and your personal information.
Step 5 - After you submit all the details, your car insurance premium is generated and displayed on the screen.
Step 6 - Complete your car insurance premium payment online, and your expired policy is renewed!
Once renewed, the car insurance policy will be emailed to your authorised email ID. Always carry a copy of your insurance policy when driving your car.
How to Renew Expired Car Insurance Online?
With TATA AIG General Insurance Company, you can renew an expired car insurance policy online. We offer a renewal period of 90 days after the expiry date with ease. The online process makes it very easy to renew your car insurance from the comfort of your home for continuity in financial protection.
Check the Expired Policy
Understand your expired policy to assess the coverage details, eligible inclusions and exclusions, and combined add-ons.
Fill the Required Details
Enter your car registration number and select “Renew” to view the existing Tata AIG insurance policy information regarding coverage, add-ons, etc. If it is another company’s policy, click on “Get Quote”.
Simultaneously, fill in all the necessary details about yourself.
Choose Add-on Covers
Select IDV or NCB if applicable and remove or choose necessary add-ons to combine with your base policy as per coverage needs
Check and Verify the Details
Review all the information added for the policy application and view the final quote based on your choices.
Make the Payment
Complete the required payment using one of the online payment methods.
Receive the Policy
Get your renewed car insurance policy to your email address.
Benefits of Buying Car Insurance Online
Car insurance is a crucial financial safety net that protects you against financial losses that may arise from road accidents, theft, and other unforeseen incidents. With the advent of technology, buying car insurance has become much more convenient, especially in India, where buying car insurance online has become the norm. There are several benefits of buying car insurance online in India, which are discussed below.
Convenience: One of the major benefits of buying car insurance online is that it offers great convenience. You can either buy it online or choose to get in touch with an agent. Moreover, it is possible to compare different insurance policies, check their terms and conditions, and buy the one that best suits your needs.
24x7 Availability: You can buy a car insurance policy of your choice at any time and from anywhere. On your insurance provider’s 24x7 online portal, you can get in touch with the customer care team and have all your queries answered so that the purchase becomes easier.
Easy Comparison: When you buy car insurance online, you have access to a wide range of insurance policies. This makes it easier for you to compare the different policies and their features. You can compare the coverage, premium, and other important details without visiting multiple insurance agents or brokers.
Quick and Simple: Buying car insurance online is quick and simple. You just need to fill out an online form with your personal and car details, select the policy you want to buy, and make the payment. The entire process is simple, and straightforward, and can be completed in just a few minutes.
Affordable Premiums: Another great benefit of buying car insurance online is that the premiums are usually lower than buying the policy online. This is because online insurance companies save on costs related to brick-and-mortar offices, sales agents, and other expenses, which they pass on to the customers through lower premiums.
Discounts and Offers: You may be able to access discounts and special offers for buying car insurance online. For instance, the No Claim Bonus is an incentive that you can make the most of when you do not file a claim for one or more policy years on your car insurance policy.
Benefits of Car Insurance Renewal Online with Tata AIG
When it comes to buying a car insurance policy, here are some of the important reasons why you should get your four wheeler insurance policy online:
Quicker Process
To complete car insurance renewal online, you only need 3 steps with Tata AIG. This process is quick and ensures instant delivery of the renewed policy without the need for an agent or long queues.
Zero Paperwork
The online car insurance renewal process reduces the hassle of physical documents. You no longer require paper documents and additional physical forms to renew a policy, making it a quick and efficient process with instant policy delivery.
Continuous Coverage
With Tata AIG's online renewal process, forgetting due dates or realising the need for car insurance renewal very close to the expiry date is no longer an obstacle. This ensures you benefit from continuous coverage under your policy, keeping your car and personal safety in check.
Avoid Penalties
Driving with a valid car insurance policy, especially third-party car insurance, is mandatory to avoid non-compliance towards traffic rules and regulations, attracting hefty fines. However, with the ease of online car insurance renewal, you can avoid penalties with the convenience of instant renewals from anywhere.
How to Choose the Best Four-Wheeler Insurance Policy Online?
1) Decide on the Type of Insurance
To choose the right car insurance, consider your car's age and value. Third-party insurance is required by law and covers damage to others’ vehicles or property. It’s a basic option suitable for older or less valuable cars. Comprehensive insurance provides broader protection, covering both third-party damage and your own car’s damage from accidents, theft, fire, or natural disasters. If your car is older or you want a more affordable option, third-party insurance may suffice. For new or high-value cars, comprehensive insurance offers better overall coverage.
2) Compare Policies Online
Use insurer websites to compare plans online. Enter your vehicle details to get quotes, but remember that premiums depend on IDV, car model, add-ons, and location.
3) Choose Add-ons
Check the available add-ons based on your vehicle’s eligibility and policy type. Add-ons like Zero Depreciation, Engine protection Cover, and Roadside Assistance offer additional coverage, ensuring you're better protected in case of specific damages or emergencies that may not be fully covered under the standard policy.
4) Look for Online Savings
You can save on car insurance through online discounts and No Claim Bonus (NCB) if renewing an Own Damage policy. NCB does not apply to first-time policy purchases.
5) Claim Process and Network Garages
A wide network of cashless garages supports repairs following an accident; however, claim approvals depend on verification and the terms of your policy. Certain repairs may not be fully covered due to policy exclusions.
6) Purchase Online
Once you select the right policy, buy it online for a paperless and uncomplicated process. Some policies, especially for high-IDV vehicles, may require additional verification.
Points To Consider While Choosing Car Insurance
The process of buying car insurance is simple but takes time and quite a bit of research. Moreover, it is of utmost importance to get at least a third-party car insurance policy from a legal standpoint.
Tata AIG understands the importance of having a suitable four-wheeler insurance policy and offers car insurance policies that cater to varying individual needs and budgets.
Below are some points you should consider when you buy car insurance:
Decide Insurance Type
While choosing four-wheeler insurance, you can choose between a basic third-party liability cover and a comprehensive insurance cover.
While having a basic third-party insurance cover is a legal compulsion and covers damages caused only to a third-party individual or property, a comprehensive car four-wheeler policy offers more extensive coverage that offers protection against accidental damage, damages due to loss and theft, natural and man-made disasters and also offers a personal accident cover.
We at TATA AIG also provide varied types of car insurance, such as Comprehensive Car Insurance Policy, Stand Alone Own Damage Car Insurance Policy, and Third-Party Car Insurance Policy. This array of choices so that you can find the car insurance type that best suits you and your car’s needs.
Policy Terms and Conditions
The policy coverage of your car insurance policy will depend mainly on your needs and your budget. Apart from that, your car’s make and model, the area you live in and other factors will affect the policy coverage. While choosing a suitable insurance policy, you can use the Tata AIG car insurance calculator to calculate and compare the coverage of various policies before making an informed decision.
Availability of Add-ons
While you buy car insurance online or renew your policy, you can consider extending or enhancing your policy cover with the help of appropriate add-ons. We offer multiple unique add-ons such as Zero Depreciation, Key Replacement, Return to Invoice, Engine Secure and more, that meet various situations outside the scope of your car insurance policy. A selection of the appropriate add-ons in your car insurance policy can provide an all-round protection to your four wheeler.
Check Insured Declared Value
The IDV or Insured Declared Value of the car is its current market value. When calculating your car insurance, the IDV is important as it is the amount your car is insured for. In case of “total loss” - complete damage or theft of the car - the policyholder receives the Insured Declared Value when the claim is settled. Always select the IDV carefully as a lower IDV means insufficient compensation in the event of total loss, even though it means lower policy premiums. On the other hand, a higher IDV could mean paying more expensive premiums.
Network of Cashless Garages
If your car sustains minor or major damage due to an accident, you can visit any of your insurer’s network garages for repairs. By choosing a network garage, you can avail of cashless claims, where the insurer directly settles the repair costs with the garage, reducing your immediate financial burden.
Compare Quotes
TATA AIG General Insurance Company’s online Car Insurance Calculator makes it easy for you to compare different four-wheeler insurance policies online. Depending on your budget and requirements, you can choose the insurance amount, the add-ons and then compare different plans to find the appropriate one to protect your car.
Check Claim Settlement Ratio, review, and service offered
The claim settlement ratio of a company is an important factor to be considered while purchasing your car insurance. If your insurer’s claim settlement ratio is high, it indicates a better chance of your claims being settled on time. Similarly, the service offered by the insurance company directly affects customer loyalty and should be checked before you buy a four-wheeler insurance policy from the company.
How To Calculate Car Insurance Premiums?
The car insurance premium drives the choice of a four-wheeler insurance policy by individuals. As seen in the above section, there are many factors that affect this premium. But do you know how you can calculate the exact premium for your choice of car insurance policy? Below are the popular methods of calculating your four-wheeler insurance premium:
Calculating your car insurance premium with our online premium calculator
A car insurance premium calculator is an online tool provided by insurance companies to help you calculate your premium in a jiffy. Simply enter the required information, select the policy coverage and add-ons and click on Get Price. The calculator will display the total premium you need to pay to buy the four-wheeler insurance coverage you need.
Calculating Own Damage Insurance Premium
The premium for an own damage insurance policy is calculated as follows:
[Insured Declared Value*Premium Tariff as decided by Insurer] + Add-ons – [Discounts like NCB]
Calculating Insured Declared Value of your vehicle
The IDV for your vehicle is calculated as follows:
[List price of the car manufacturer – depreciation deduction] + [Cost of vehicle accessories which are not a part of list price – depreciation deduction of accessories]
Calculating Third Party Car Insurance Premium
As per the notification issued by IRDAI for the financial year 2022-2023, the premium rates that apply to Motor Third Party Liability Insurance for Private Cars effective from 1st June 2022 are as follows:
| Engine Cubic Capacity | IRDAI Notified Premium | |
|---|---|---|
Not exceeding 1000 cc | Rs. 2,094 | |
Exceeding 1000 cc but not exceeding 1500 cc | Rs. 3,416 | |
Exceeding 1500 cc | Rs. 7,897 |
Factors Affecting Car Insurance Premium
Most car insurance policy purchases are decided on the cost of the four-wheeler insurance policy. Owner-drivers compare car insurance policies based on the premium to be paid and generally choose the lowest-priced one. Therefore, if you wish to choose a cost-effective car insurance plan, you need to know the factors affecting the premium. Here they are:
Insured Declared Value (IDV)
Insured Declared Value (IDV) is the current market value of the car after accounting for depreciation. IDV is the maximum amount you can claim if your four-wheeler is stolen or has suffered a total loss. Your car insurance is directly proportionate to your IDV, meaning higher IDV results in higher car insurance premiums.
Age of The Car
The age of the car affects the premium of a four-wheeler insurance policy. Insurance premiums are more expensive for brand-new cars and cheaper for older ones. Since the value of your vehicle depreciates every year, the IDV/Insured declared value falls along with the policy premium.
Insurance Coverage
The type of policy you purchase for your car decides the cost of the car insurance policy premium. A policy such as third-party insurance would cover only the third-party liabilities, which will come at cheaper premiums. Meanwhile, a comprehensive car insurance policy will cost more as it would cover all parties involved - you, your car, third-party and third-party property. Meanwhile, our other types of insurance such as standalone own damage policy provide a gamut of options in cover, which in turn delivers options in premium amounts. A comprehensive car insurance policy typically costs more because it covers all parties involved—yourself, your vehicle, third parties, and their property. On the other hand, both comprehensive and standalone own-damage policies offer a range of coverage options, allowing you to select protection levels and premium amounts that best suit your individual needs.
Add-ons
Your car insurance premium will increase when you opt for add-ons with your policy. Different add-ons provide different types of additional cover for your four-wheeler, and your premium will depend on the number and types of add-ons you have chosen.
Engine Capacity
The size of the engine will influence your car insurance premium. Cars with higher cubic capacity engines will attract higher premiums for a car insurance policy than cars with lower engine capacity. Additionally, the IRDAI declares the annual third-party car insurance premium rates based on the engine cubic capacity of the vehicle.
Deductibles
Deductibles denote the percentage of the claim amount paid by the policyholder from their own pockets. A higher voluntary deductible means a lower premium as the proportion of the insurer’s liability goes down. However, a higher deductible also means a higher proportion of the claim that needs to be paid by you. So, choose well.
Claims History
Car owners who have not made claims in a given year can avail of a No Claim Bonus (NCB) from the insurer. NCB is a progressive discount on the renewal premium for a car insurance policy, which goes up with each claim-free year. Five consecutive no-claim years can fetch you a decent discount of 50% on the car insurance renewal premium.
Online Purchase
When you buy car insurance online, you can compare different policies, calculate the premium online and then select a plan that suits your needs and budget. An online purchase of car insurance allows you to customise the IDV and the premiums, which can result in affordable premiums.
Other Factors
Some other factors that affect the premium of a car insurance plan are the age of the owner, the location where the vehicle is registered, make, model and variant of the car, any modifications made to the vehicle and if the car has additional security features. These factors can decrease or increase the premium you have to pay for your car insurance policy.
Tips to Reduce Your Car Insurance Premium
The car insurance premium is one of the most important factors people consider when buying a policy. Owners-drivers are always looking out to get extensive coverage at affordable premiums. Here are a few tips that will help you reduce your car insurance premium:
Additional Security Measures
If you choose to install additional security devices in your vehicles, such as parking sensors and anti-theft apparatus, you effectively reduce the risk associated with your vehicle. A reduced liability risk leads to lower premiums for your car insurance.
No-Claim Bonus
When you renew your policy after a claim-free year, you get a discount on the premium you have to pay. This discount can go up to 50% for five consecutive claim-free years. However, even a single claim will reset the NCB back to zero. Avoid making claims against your policy for minor damages to keep your NCB from lapsing.
Insured Declared Value
When you get a car insurance policy, the company runs an assessment to establish the highest claim value for your vehicle, known as the Insured Declared Value (IDV). However, you can reduce the vehicle’s IDV in exchange for a reduced cost of the premium. But remember that a lower IDV entails a lower reimbursement in case of theft or total damage to the car.
Increase Voluntary Deductibles
A voluntary deductible is a choice by the policyholders to pay a proportion of the claim amount while the insurance company pays the rest. When you raise a claim, the insurer will deduct this amount and settle the difference. By opting for higher deductibles, you can substantially reduce the cost of your car insurance premium.
Factors Impacting Insured Declared Value (IDV)
The Insured Declared Value is the approximate market value of your four-wheeler and the estimated amount of maximum reimbursement your insurance provider can give you in case of your car’s total loss
due to an accident or if stolen.
-Make and model
The other factor that influences a car's Insured Declared Value is its make and model. Hence, the IDV of an expensive car will be higher than that of a more affordable four-wheeler.
-Usage of the car
As the car ages, the parts undergo some depreciation due to usage and resultant wear and tear. The rate of depreciation is taken into account when calculating the IDV to arrive at the sum insured.
For example, for the first six months, the car’s depreciation rate is at 5% and then increases each year. Once the car is 5 years old, its rate of depreciation is 50% and remains so as the car ages further.
-Geographical location
Another factor that affects the IDV is the geographical location where the car was registered. The IDV of cars in metropolitan cities is different from the IDV of cars registered in smaller towns in the country. This is because, in some areas, the risk of theft and safety concerns might be higher.
-Safety Features and Modifications
Another factor that can impact your car’s IDV is the type of modifications you have added to your car parts and the type of security or anti-theft devices you have installed in the vehicle. The higher the installation of safety features, the higher the IDV, and vice versa. Similarly, depending on the types of car modifications, the IDV might vary as it impacts the risk profile of your vehicle.
| Age of the vehicle | % of Depreciation For Fixing IDV | |
|---|---|---|
Not exceeding 6 months | 5% | |
Exceeding 6 months but not exceeding 1 year | 15% | |
Exceeding 1 year but not exceeding 2 years | 20% | |
Exceeding 2 years but not exceeding 3 Years | 30% | |
Exceeding 3 years but not exceeding 4 Years | 40% | |
Exceeding 4 years but not exceeding 5 Years | 50% |
How To File A Four Wheeler Insurance Claim?
We hope it never comes to this, but if there’s an accident or something happens to your car, you will have to file a claim. The easiest way to file a car insurance claim is online. Here’s a step-by-step break down of TATA AIG’s car insurance claims process:
After making sure that you and your co-passengers are safe, it is advisable to inform your insurance provider of the incident at the earliest and get your claim registered.
To register your claim online, you need to log in to your Tata AIG online and click on 'Claim'.
- Once you are redirected to the online claim form, you will need to furnish the following information:
- Your car insurance policy number
- A few personal details, including your name, number and address License details, or the license details of the driver
- A few details regarding the incident
- A copy of the FIR if there was an accident
In the car insurance claim form, you will also need to specify if a third-party was harmed or if third-party property was damaged.
Once you’ve finished entering all the details, you simply need to click ‘Submit’.
After your claim is registered with us, we will provide you with a Claim Registration Number. State this number in all your communication concerning the claim status and settlement."
After you have filed a claim and submitted all the required documents, an inspector or surveyor will visit you to assess the damages caused by the incident. Our experts will peruse your car insurance claim form when the assessment is complete and determine the quantum of damage sustained by your vehicle.
Based on the surveyor’s report, we will schedule your vehicle for repairs at either one of our 5900 + network garages or a non-network garage of your choice.
If you choose a network garage, you can make a cashless claim and have your accident-related repairs completed without any upfront payment.
If you cannot reach one of our network garages, you may take your vehicle to a trusted garage and pay for the accident repairs yourself. The cost of repairs paid at a non-network garage will be reimbursed under your car insurance cover, subject to policy terms.
Depending on your location and preference, you can get your car repaired at a cashless network garage or a non-network garage.
Once repair work to your vehicle has been completed, we will move to settle the claim after a thorough inspection of your policy documents, add-on covers, additional discounts and claims history. Once all your car insurance claim related documents have been verified, we extend our settlement offer for the cost of repairs. For claims made at non-network garages, owners will be offered a settlement for reimbursements. We ensure a speedy and seamless claim settlement. However, if you wish to track the status of your claim after filing it, you can do so here.
Documents Required for Filing a Car Insurance Claim
The lists provided below are standard documents required for filing a car insurance claim for accidental damage or theft. However, there might be additional documents based on the type of claim your file.
It is recommended to speak to a customer service representative to get the necessary clarification.
The claim form, duly filled and signed by the insured
A verified copy of the First Information Report (FIR)
A copy of the vehicle’s Registration Certificate (RC)
A copy of the driver’s licence
A copy of the policy documents
Accident photographs (for reimbursement claims)
Repair bills and other receipts (for reimbursement claims)
For theft claims, a No Trace Report from the police is mandatory
For personal accident claims, relevant hospital or medical documents are needed
Signed RTO transfer papers, including Form 29 and Form 30 (applicable for second-hand car purchases or ownership transfers). Form 28 is required only if a No Objection Certificate (NOC) is needed for transferring the vehicle to another RTO.
NOC and Form 35 from the lender where the car has an active loan
How to Download Your Car Insurance Policy Online?
Step 1:
Visit the official TATA AIG General Insurance Company website (www.tataaig.com).
Step 2:
Click on the ‘Self-Service’ option on the homepage. Log in using your registered mobile number (via OTP), email ID, or your policy number.
Step 3:
Go to the ‘Policy Download’ section. Enter your policy number or vehicle registration number to retrieve your active private car insurance policy.
Step 4:
Click on ‘Download Policy Document’ to save a PDF copy of your policy. You will also have the option to receive the policy document via your registered email address. In select cases, TATA AIG General Insurance Company may provide policy documents via WhatsApp, based on system availability and prior opt-in.
Note:*
For renewals, a new policy document is generated after the renewal premium is paid and processed. You must download this updated document separately, following the same steps.
Alternatively, if you cannot access the online portal, you can also contact TATA AIG General Insurance Company’s 24x7 Customer support: (022 6489 8282) or email customersupport@tataaig.com to request your policy document.
Car Insurance Terms You Need To Know About
Premium
This refers to the amount of money that the policyholder pays to the car insurance provider on a yearly basis to get the benefits of the car insurance policy.
Coverage
The coverage is the amount of risk that is covered for an individual through an insurance policy. It includes all the risk factors that the individual or the car (in car insurance) need to be protected against.
IDV
The Insured Declared Value or the IDV is the maximum financial amount which a policyholder can receive from the insurance company in the event of the car’s total loss - complete damage or theft.
No Claim Bonus
The No Claim Bonus is the discount on premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation (Depreciation Reimbursement)
The Zero Depreciation Cover (Depreciation Reimbursement) is an add on which helps car insurance policyholders avoid the deduction of the depreciation amount from their sum insured. Without the Zero Depreciation (Depreciation Reimbursement), car insurance companies subtract the depreciation on the car’s parts while settling the claim amount.
Own Damage
Own Damage refers to the damages caused to the insured vehicle and the Own Damage cover helps cover the financial losses incurred by the policyholder due to the damage to their insured car.
Personal Accident Insurance
This type of cover in a third party or comprehensive car insurance policy offers compensation to a policyholder in the event of disability due to a car accident, with the insured car involved. In case of the accidental death involving the insured vehicle of the policyholder, the compensation is given to the policyholder’s family.
Voluntary Deductible
The voluntary deductible is the part of the claim that is paid by the car insurance policyholder and is determined at the time of the policy’s purchase. If the deductible is higher, then the premiums will be lower.
Consumables
The parts of the car that cannot be reused after being used or consumed, such as the brake oil, nuts and bolts, fuel filter and more, are called consumables.
Cashless Claims
If you get your damaged car repaired at the network garages of your insurance provider, then the cost of the repair is directly sent to the garage by the insurer. Since the policyholder does not have to handle this expense from their own pocket, this facility is called a cashless claim.
Self Service Options
Did Not Find What You Were Looking For?
FAQs in Car Insurance
How Can I Renew Expired Car Insurance?
If you’ve missed your policy renewal deadline, we can still help you with your car insurance renewal. We’ll need a few details, such as your car’s registration number, your previous policy number, the number of claims you’ve previously made and a few images of your car. Once we have that, we’ll be in a better position to understand what your car insurance premium should be. If you complete the process within 90 days of your previous car insurance policy expiring, we may even be able to transfer your NCB to your new policy!
Can I buy car insurance online? If yes, how?
Yes, we like to make our processes as easy and convenient as possible. You can purchase TATA AIG car insurance online directly from our website. Simply input a few details, such as your car’s registration number and we’ll be able to share a quote with you.
How can I calculate the car insurance premium for my policy?
You can use the TATA AIG car insurance premium calculator to understand what kind of premiums you have to pay for various car insurance policy options.
Is it necessary to have car insurance in India?
Yes. As per the Motor Vehicle Act, 1988, all vehicles must have at least third-party insurance. If you do not have third-party car insurance, you cannot legally drive your car on Indian roads.
What does a car insurance policy cover?
This depends entirely on which TATA AIG car insurance policy you purchase. If you purchase our comprehensive car insurance plan, it will cover, loss or damage to the car, any damage to a third-party and/or third-party property, personal accident covers for the owner-driver, damage to the vehicle itself.
What is the online car insurance renewal process?
Visit the TATA AIG website to quickly renew your car insurance online. Once you enter your car and policy details, you can make the premium payment via net banking or with your credit or debit card. Once the payment is processed, you’ll receive a hard and soft copy of your policy.
Are there any advantages to buying car insurance online?
We always recommend buying car insurance online as, It’s quick, easy and convenient, you can compare car insurance policies and find the best policy at the most competitive price, there’s minimum paperwork required, there are no middlemen involved.
Should I get a comprehensive car insurance policy or is third-party enough?
For the best protection of your car, yourself and your finances, we always recommend the comprehensive TATA AIG car insurance policy. A comprehensive policy will cover you against third-party liability as well as damages to your car, personal accident cover and more. Of course, the decision to pick one car insurance policy over the other depends entirely on you and your requirements.
Are there any important factors I should consider before buying or renewing car insurance?
You should always purchase a car insurance policy that offers you’re the best cover and the most competitive prices. While looking for a policy, you should consider the car insurance premium, the kind of cover you will receive, the network garages on offer and the kind of add-ons available to you.
What is a No Claim Bonus (NCB)?
NCB is a sort of reward that your car insurance provider offers you for getting through a policy year without making any own damage claims. For every year you go without making a car insurance claim, you will receive a discount on next year’s car insurance premium. For every subsequent claim-free year, your NCB will increase up to a maximum of 50%.
What happens in my previous car insurance policy has already expired?
If you didn’t quite renew your car insurance policy in time, it’s okay. You can obtain a fresh policy with TATA AIG. But, since there’s been a break in your coverage, we may have to send an inspector or surveyor to your address to inspect the vehicle first. If you purchase the new car insurance policy within 90 days from the expiry of the old policy, you should be eligible to claim your NCB, if any.
How can I claim car insurance?
The TATA AIG car insurance claims process is quick and completely hassle-free. To get the process started, you need to fill up our online claim form and submit it. We’ll have a look at the details and recommend a network garage where you can send your car. After a complete vehicle check, we’ll reimburse you for the repair costs as per the terms provided in your car insurance policy documents.
What are cashless claims?
Cashless claims allow you to get your car repaired without you having to pay money up front. If you send your car to a network garage, we’ll sort out the cost of the repairs directly with them. There’s no waiting period or any hassle of reimbursements in cashless claims.
How long does it take for a claim to be settled?
Each car insurance claim is unique. At TATA AIG, we are committed to settling all car insurance claim requests within 30 days.
Do I need to file an FIR in order to make a claim against my car insurance?
This depends on the reason for your claim. If your car has been stolen or if you’ve met with an accident, we would need to see a copy of the FIR in order to process your car insurance claim.
What does zero depreciation (Depreciation Reimbursement) mean in car insurance?
Zero depreciation (Depreciation Reimbursement) is a very popular car insurance add-on. It protects your finances against regular depreciation costs of various parts of your car. If you choose to get this add-on along with your TATA AIG car insurance policy, you will be reimbursed for the full value of a part. The depreciated value of that part will not be considered.
How Do I Renew Car Insurance Online?
Renewing your TATA AIG car insurance policy online is quick and easy. Head to our website and enter your vehicle’s registration number in the box provided. Click the ‘Renew’ button to get the process going. You will have to give us a few more details, such as your policy number and the number of claims you have made in the last policy year. We’ll then provide you with your IDV and car insurance premium. Once you make the payment, your new policy will be issued. We’ll send a soft copy to your email immediately and the hard copy will be sent to your registered address as soon as it’s ready. It’s always best to complete the car policy renewal process before your existing policy expires.
Why Renewing Your Car Insurance Policy On Time Matters?
Letting your car insurance policy expire can lead to unnecessary stress and financial trouble at the time of need. Here's why timely renewal is important:
Stay Legal & Safe:
Driving without at least a valid third-party insurance policy is illegal under the Motor Vehicles Act.
No Coverage Gaps:
Coverage under your policy ends immediately if the policy lapses. However, Tata AIG General Insurance Company provides a renewal window of up to 90 days from the expiry date, during which you can renew your policy without losing continuity benefits. However, no coverage is available during this period until the policy is renewed, and renewal may require a vehicle inspection in certain cases.
Avoid Extra Costs:
If the policy remains lapsed for too long, you may need to apply for a new policy, which could lead to higher premiums or even rejection.
Save on Premiums:
No Claim Bonus (NCB) is only retained if renewal happens within 90 days of policy expiry. Delayed renewal beyond this period resets NCB benefits.
Keep Your Benefits Intact:
Add-ons like Zero Depreciation may not be available if the policy isn't renewed on time or if the vehicle exceeds the eligibility criteria.
Timely renewal of your car insurance policy ensures continuous coverage, uninterrupted benefits, and hassle-free claims when needed.
Standard T&C apply
All savings are provided by the insurer as per the IRDAI
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.
How long will it take to renew my car insurance online?
The online car insurance renewal process takes just a few minutes. Once you enter your car registration number and policy details, we’ll be able to complete the process in just 3-4 clicks. If there’s been a break in cover, the car insurance renewal process could take a little more time. We’ll have to inspect the car before providing you with a quote, which could take 2-3 days.
Can I renew my expired car insurance online?
Yes, if your TATA AIG car insurance policy has just expired, you can visit the website to renew the policy online.
Can I transfer my insurance if I sell my car?
Absolutely! If you’ve decided to sell your car, you can transfer your TATA AIG car insurance policy to the new owner. But, you must remember that the new policy-owner will not be able to benefit from your NCB.
Is there a way for me to check the status of my car insurance?
Yes. You can visit the Insurance Information Bureau (IIB) to check the status of your TATA AIG car insurance policy.
What Our Customers Are Saying
Add on details are very interesting and customer can decide his own choice. Now unseen or hidden risks are covered.
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FANTASTIC
excellent & flawless experience ! littelly renewed my insurance in less than a minute!
keep it up TATA!
Thank you, the new process is very seamless! It's SO MUCH better and MORE intuitive than what you had until last year. Great work on the upgrade!
Easy process. However, no option to select 2 or 3 years
It been good experience, but can't give full marks.
OVERALL GOOD AND SATISFACTORY, TATA IS BRAND OF RELIABILITY
POLICY BUYING IS LIKE JUST A GO.....NICE EXPERIENCE TATA
GOOD PRICE
TATA is a Trusted Brand and always cheaper than other insurance company
Customer Service is awesome, Thank you so much for giving me discount. In future if I will plan to buy any new car, definitely I will insured my car by Tata Aig.
God damn awesome journey!!
Everything is transparent and smooth
VERY GOOD WEBSITE FOR RENEWAL
It was very convenient to use. And the best part was the service provide at home.
This no login premium renewal was a cakewalk. It was not there last year when i tried to renew.
