Tata AIG Car Insurance Policy Download

Founded in the year 2001 TATA AIG General Insurance Company Limited is a joint venture between the TATA Group and the American International Group (AIG). With the name TATA in it, the company enjoys great trust from the Indian consumers and it shows with their 5 crore plus customers. The company currently has a claim settlement ratio of 98%. This is a comprehensive guide to understand what is a policy document, what are the details mentioned in it and why it is an important car insurance document, how to download it, checking status of this document and some frequently asked questions. [1] [2]

What is a Car Insurance Policy Document?

A car insurance policy document is a legal document that binds a customer with the insurer. With the support of this document, the insurer agrees to provide financial and sometimes legal coverage to the policyholder depending on the coverage inclusions mentioned in the document.

Importance of the TATA AIG Car Insurance Policy Document

A policy document is an extremely important document for any policyholder as it is that one document which provides complete clarity and details of your policy, the inclusions and exclusions of the policy and is a proof of your insurance. Let’s look at them in detail:

• Proof of Insurance: Your car insurance policy document is a legally binding document between you and the insurer showing that you are in agreement with the insurer and they confirm to take care of your vehicle-related financial and legal obligations.

• Coverage Details: Your policy document contains all the details of your car insurance coverage benefits like the total sum insured, validity/ expiry date of the policy, vehicle owner’s name, etc

• Car Details: Since your policy covers your car, this insurance policy document also covers the details of your car like chassis number, make, model, variant details, of the car.

• Make, Model, Variant Details: In order to help with the ease of identification of the correct insurance policy against your car, your insurer mentions the details of your car’s make, model and variant in the policy document. This also showcases the colour of your car, manufacturing date, brand and model type.

• Insured Declared Value (IDV): Insured Declared Value or IDV of the car is the value calculated by your insurer for your car during the insurance registration or renewal and is used to evaluate the claim amount or the selling amount of your car when required.

• Inclusions and Exclusions: Your TATA AIG car insurance policy document will also cover the details of all inclusions and exclusions within your policy. This helps in clear understanding of what all you can make the claims for and what isn’t included.

• Educational Tool: A car insurance policy document also has major policy jargons mentioned which can serve as an important educational tool for someone who is trying to make sense of the nomenclature.

• Protection Against Fraud: Your car insurance policy document is like a seal of trust and authentication. This document protects you against any sort of insurance fraud as this is a legal document.

Important Details Mentioned in The TATA AIG Policy Document

Below are all the important details mentioned in your TATA AIG car insurance policy document:

1. Personal Information: Your personal information like name, phone number, email ID are all mentioned in the policy document.
2. Registration Number: Your car’s registration number is also mentioned in the policy document.
3. Insured Declared Value: The insured declared value or IDV of your car is mentioned in the policy document.
4. Car Details: Your vehicle’s make, model and variant, engine number, chassis number, manufacturing year, number of seats, body type and CC are all mentioned in the document.
5. RTO Details: The Regional Transport Office from where the RC or registration certificate is taken for your car is also mentioned.
6. Premium Details: The details of your car insurance premiums are also mentioned in the document along with the details of whether it is a third party, stand alone own damage, or a comprehensive car insurance policy.
7. Geographical Area: The geographical location for which the policy is valid is also mentioned in your policy document.
8. Compulsory Deductibles: The details on compulsory deductibles under your policy is also mentioned in the document.
9. Terms and Conditions: The terms and conditions of the policy and the rules that apply are all mentioned.
10. Grievance Redressal Procedure: Your policy document also consists of the details on grievance redressal which can be used in case you are not satisfied with your claim process.

How to Download TATA AIG Car Insurance Policy Document From InsuranceDekho?

There are two ways in which you can download your TATA AIG car insurance policy from InsuranceDekho - online and offline.

Online Process from InsuranceDekho

Step 1: Log on to InsuranceDekho’s Website

Log on to www.insurancedekho.com, click on the ‘My Login’ button on the extreme top right of the page.

Step 2: Enter Mobile Number & OTP

Enter your registered mobile number and verify through OTP that you will receive it on your registered mobile number.

Step 3: Check The Status or Download Policy PDF

Once you have entered the InsuranceDekho customer dashboard, you will be able to see the list of all policies you have taken through InsuranceDekho. Now, select TATA AIG Car Insurance from the list. After selecting the insurer and insurance name, you can click on the download policy.

Step 4: Save PDF

Once you click on the download policy button, your policy document will be downloaded on your system (laptop, phone, tablet, etc). You can now save and view your policy document.

Offline Process

To download your TATA AIG car insurance policy document offline, connect with an InsuranceDekho advisor on call +91-755-1196989 or by emailing the team at support@insurancedekho.com You can in a similar way as above download your car insurance policy document from your insurer’s website - in this case TATA AIG.

How can I Check My TATA AIG Car Insurance Policy Status?

To check the status of your TATA AIG car insurance policy, login to InsuranceDekho portal and follow the steps as mentioned in the above section.

While it is mandatory as per the Indian law to carry a hard copy of your car insurance policy, the introduction of e-Vahan Bima by the Government of India has made it easy to carry a digital version of your policy document. [3] This means that you do not require a hard copy to carry with you always if you have a soft copy of the same.

How Can I Make Changes to My TATA AIG Car Insurance Policy Document?

In order to make changes in your TATA AIG policy document, you must connect with an InsuranceDekho advisor to assist you in solving the issue. You can do so by emailing your queries on support@insurancedekho.com or by calling +91-7551196989.

Some of the common reasons for getting changes done in your policy document are listed below:

1. Printing/ typing errors or incorrect personal information
2. Misprinting or errors in car details (make, model, variant, cc, registration number, etc)
3. Incorrect details on inclusions and exclusions under the policy
4. Discrepancy in premium amount
5. Issue with Insured Declared Value

Official Website

You can also visit the official website of TATA AIG to check the details of the policy here https://www.tataaig.com/buy-online/motor-insurance...