Tata AIG Comprehensive Car Insurance Policy

Tata AIG comprehensive car insurance is one of the most popular car insurances among a wide range of car owners, and it is a joint venture of Tata and American International Group (AIG). With branch offices across the length and breadth of India, Tata AIG has won the hearts of many car insurance policyholders over the years.

How Tata AIG Comprehensive Car Insurance Work?

Comprehensive car insurance provides complete coverage after a mishap on the roads. While you encounter an accident or collision and your car and third-party vehicle are affected, you only get the coverage of the other vehicle, not yours, if you have third-party insurance. On the other hand, Tata AIG’s comprehensive car insurance covers both cars. Additionally, the injury and death of the driver are included in the comprehensive plan.

Key Features of Purchasing Tata AIG Comprehensive Car Insurance Policy

Tata AIG comprehensive car insurance provides a diverse range of facilities for vehicles. This car insurance policy is an all-around safety provider for the car owners after the accidents.

• Third-Party Liabilities: Third-party vehicles and the bodily injuries of the third-party person are included within the comprehensive plan, and they adhere to MVA (Motor Vehicle Act).
• Own Car Damage Coverage: Damages due to multiple reasons, such as collisions, fire, theft, earthquakes, stone-pelting, falling tree branches or floods, etc., are covered under Comprehensive Cover’s own car damage.
• Personal Accident Cover: Any bodily injuries and death claims due to an accident to the driver of the car are provided under the comprehensive plan.
• Customised Insurance: Various add-ons, such as zero-depreciation coverage, roadside assistance, engine cover, windshield cover and tyre coverage, are some of the add-ons that you can include in your car insurance.
• Anytime Assistance: Tata AIG is popular for 24*7 assistance for their insurance policyholders. You can seek assistance for purchasing, renewal, quotes, or claim settlements.
• Mental Peace: A complete insurance coverage with third-party, own damage and personal accident coverage. In a single insurance, the insured person gets every available claim settlement.
• Services: Tata AIG is well-known for its services. 6900+ network garages for cashless claims, 98% settlement ratio proves Tata AIG’s track record.
• USP: More than 1 crore and 5 crore+ vehicle owners have purchased Tata AIG car insurance till now. This staggering number shows how vehicle owners trust Tata AIG.
• NCB: No claim of bonus discount up to 50% in Tata AIG car insurance. NCB is responsible for not increasing the car insurance premium.

How to Buy Tata AIG Comprehensive Car Insurance?

You can purchase TaTa AIG comprehensive car insurance in different ways. These include online and offline, from the insurer and from our website, www.insurancedekho.com.

Online Process:

Most of the vehicle owners prefer the online process, as they buy it from the comfort of their homes.

• Step 1: First, go to the InsuranceDekho website and register by entering personal details, such as name, age, address, phone number and email ID. It is essential before the other processes. Thereafter, log with your user ID and password.
• Step 2: Then provide the car make, model name, type, manufacturer name, chassis number, registration number, registration name, and RTO name.
• Step 3: Thereafter, choose the comprehensive policy and review all the details of the car.
• Step 4: Proceed with the payment and make the payment with net banking, debit, credit card, digital wallets or UPI.
• Step 5: Now, you can download the soft copy of the policy from the website, or the policy will be sent to your registered email ID.
• Step 6: Don’t forget to track your policy because it reminds you well before the expiry of the car insurance.

Offline:

To buy TATA AIG’s comprehensive car insurance offline is to call an InsuranceDekho advisor at +91-7551196989 or email support@insurancedekho.com.

Buy Tata AIG Comprehensive Insurance Via the Insurer:

You can buy the Tata AIG comprehensive insurance policy by going to Tata AIG’s official website or logging in to the mobile app. Another way is to visit the insurer’s branch office and purchase the comprehensive policy.

Comprehensive Car Insurance Add-Ons

The beauty of comprehensive car insurance is to purchase different add-ons to enhance your plan. The vehicle owners can add those as per their need. Some of the top add-ons offered by TATA AIG are:

• Zero Depreciation Car Insurance: Any car is a depreciation asset, and you can counter that depreciation with this insurance add-on. Annually, the vehicle owners can claim twice for their zero-dep car insurance.
• NCB Protection: No Claim Bonus (NCB) is an add-on by which you will get a certain number of claims every year without affecting the NCB discount annually.
• Daily Allowance: The policyholders can get travel expenses while your car is in repair for more than a specific period.
• Glass Fiber and Plastic Parts Repair: Car owners get coverage for the repair of plastic parts and glass fibre, and it’s for one time a year.
• Roadside Assistance: During the breakdown in a heavily populated area, the policyholders will be provided repair, towing and fuel supply.
• Return to Invoice: RTI (return to invoice) is the coverage of the gap between the invoice price and insured the declared value of the car. The insurer is liable to pay the value if the car is stolen or has major damage.
• Key Replacement: If your car key is lost, you will get compensation, and it also prevents the chance of car theft.
• Engine Secure: Under this add-on, you will get the replacement or repair cost of the engine due to waterlogged areas or floods.
• Hotel Expenses and Emergency Transport: After the car damage, if it’s needed for emergency transport and hotel expenditure, this add-on will be given.
• Tyre Secure: The tyre replacement and repair cost will be provided after the accident.
• Consumable Expenses: The insurance policyholder gets coverage for engine oil, gearbox oil, nuts & bolts, oil filter, etc. at the time of the claim.
• Personal Belongings: You can get financial compensation for personal belongings such as clothes, CDs, audio and videotapes. Here, the exceptions are debit/credit cards, watches, jewellery, and money.

Documents Required to Buy Tata AIG Comprehensive Car Insurance Policy

All car owners should be aware of the documents needed before purchasing or renewing the comprehensive plan. Those documents are:

• Valid government-issued ID (Aadhar card, voter card or PAN card)
• Valid driving licence
• Four-wheeler’s RC (registration certificate)
• Passport size (recent is preferred)
• Previous policy copy (only applicable to renewal purposes)
• PUC certificate (pollution certificate)
• Email ID and active phone number
• Debit or credit card, net banking or UPI ID

Tata AIG Comprehensive Insurance Claim Process

Tata AIG always follows a hassle-free, simple, and easy claim process that is beneficial for all car insurance policyholders.

Step-by-Step Claim Process:

Below are the steps Tata AIG follows for the car insurance claim:

• Inform the Insurer: First, the insurance policyholders can visit the website and click the ‘Claim Support’ page. Then, provide all the required documents, like the location of the accident, date and time of the accident, entire accident description, contact number of the insured person, engine number, chassis number, km reading, and address of the vehicle for inspection. You can inform the insurer by calling the toll-free number or sending an email. The insurer sends the claim reference and claim ID after registration.
• Vehicle Inspection: Tata AIG representatives visit the vehicle and note down all the information. The car owner must provide complete information. They ask you to repair the car from a garage.
• Claim Filing: It can be done in two ways i.e. cashless and reimbursement. In Cashless, the policyholders repair the car from the Tata AIG’s network (almost 7000) garages. In Reimbursement, If the car owner goes to a non-network garage, they first pay the bills, and then it will be reimbursed. The reimbursement bills must be submitted within a stipulated time period; any delay will not be entertained.
• Document Submission: All the necessary documents, such as policy copy, FIR copy, claim form, government-issued ID card, and address proof, must be submitted to the insurer.
• Claim Tracking: The policyholder checks the status of the claim from the official website or in the app by entering the claim ID. Tata AIG also sends regular updates through messages or emails.
• Claim Settlement: The insurer reviews all the documents carefully and might ask for additional documents. If all goes well, the claim is approved or otherwise rejected.

Claim Assistance by InsuranceDekho

InsuranceDekho is always there to provide the insurance policyholders at the time of processing the claim. This additional support enables you to register the claim before the deadline and provide proper documentation for the claim so that you don’t face rejection. If you want to get any further claim-related assistance, you can call us at 91-7551196989 or send your query to support@insurancedekho.com.

Tata AIG Comprehensive Insurance Renewals and Cancellations

Tata AIG comprehensive policy is essential for renewal to avoid the risk of any potential fine, violating the law and preventing financial loss due to accidents.

Renewal Process:

The renewal process is not at all complicated, and the process includes:

• Go to the InsuranceDekho website and log in with your credentials, then select “Renew Policy” by selecting dropdown options.
• Put your phone number and the OTP sent to your handset. Enter the OTP and complete the verification.
• You can view the policy details; carefully check all the details and terms and conditions.
• Thereafter, go through the policy details carefully and can include any add-on coverage if you wish.
• After reviewing all the details, click the renew of the policy and make the payment by using UPI, wallet or debit/credit card.
• At last, download the renewed policy, or you can get a soft copy to your email inbox instantly.

Cancellation Method:

Tata AIG car insurance cancellation can be done in various processes. These are:

• Contact the insurer over the telephone and ask them to cancel the comprehensive insurance by giving the reason.
• Send an email to Tata AIG’s official mail ID with a cancellation request.
• The online process is too available. Go to the official website and select your car insurance, edit it and hit the cancellation button.
• In a conventional way, visit the insurer’s branch office and directly cancel the car insurance policy.

Like every other car insurance policy, the Tata AIG comprehensive plan has certain things that are included and not included. Look at those things before purchasing the comprehensive car insurance:

Factors that Affect Your Comprehensive Car Insurance Premium

Comprehensive car insurance is not equal for all cars. It depends on a lot of things, and there is an ample amount of variation in insurance premiums. Those factors are:

• Make, Model, and Variant of the Car: Every car model is different from one another, and the car insurance premium is determined by the make, model and variant of the car. Not all cars have the same engine and fuel capacity and don’t react the same way at the time of an accident. Each of the models has a distinct spare, and the price of them fluctuates also. That’s why these three are one of the factors in deciding the comprehensive car insurance premium.
  
• NCB: No claim bonus, or NCB, is a discount every insured person receives only if they don’t claim in that particular year. The car premium can be decreased up to 50% with the help of accumulated NCB.
  
• Add-ons: There are a wide range of add-ons available to be included with comprehensive insurance. So, the premium naturally increases if you opt for the add-ons. However, all the add-ons provide various coverage for the four-wheeler.
  
• Location and Registration Date: Every car is registered in different locations, such as urban and rural areas. The premium for urban locations is not the same as for rural places. The car premium is comparatively higher in urban places than in rural locations. The age of the car is the thing for the ups and downs of the premium. A car is a depreciation asset, so its value will be decreased. Old cars have a lower premium than new cars.
  
• Anti-theft devices: If the car owner has installed the anti-theft device, the comprehensive plan premium decreases automatically, as per the regulation of ARAI (Automotive Research Association of India). It reduces the chance of theft loss effectively.
  
• Upgrade and Modifications: If the car owner modified the car spares, the comprehensive insurance premium increases. Oversized wheels and a turbocharged engine are included in that upgrade category.
  
• Driving Record: A clean driving record without accidents substantially decreases the insurance premium.

How to Calculate Comprehensive Car Insurance Premium Online?

Calculating the comprehensive premium is a complicated task. Car premiums can vary according to a lot of things. We at InsuranceDekho make you live by calculating your car’s premium. You just have to follow the below steps:

• Log in to the InsuranceDekho website and click on the premium calculator.
• Then, fill in your car’s details (registration number, year, chassis number and other details).
• Select Tata AIG among other insurers and then choose the comprehensive plan
• Voila, your car’s premium will be displayed in front of you.

Hence, there is a standard formula for deriving comprehensive car insurance, and that is: comprehensive car insurance = (Own Damage Premium) – (No Claim Bonus + Discounts) + (Cost of Add-ons) + (Third Party Premium as Fixed by IRDAI). You don’t take the headache of calculating; InsuranceDekho does it for you. After giving the proper car details, your insurance plan flashes on your screen.

Tata AIG Comprehensive Car Insurance Support

InsuranceDekho support system makes buying, renewing or porting your insurance easy and convenient.

The two ways to connect with the customer care of InsuranceDekho are through email ID support@insurancedekho.com and by dialling +91-7551196989.

If you are still unhappy with something, you can reach out to the grievance redressal officer Mr. Rohit Khurana at grievance@insurancedekho.com. In serious issues, there is an option of connecting with Principal Officer at po_gibpl@girnarinsurance.com for further escalation of the matter. All these information is available in the Grievance Redressal page of the InsuranceDekho website.

The car owner can also connect with the Tata AIG’s customer care executive 24*7 over the telephone (1800 266 7780 number) or send a message to the customer support team of Tata AIG at customersupport@tataaig.com.