TATA AIG Car Insurance

A joint venture between the TATA Group and the American International Group (AIG), TATA AIG was founded in the year 2001. Headquartered in Mumbai, Maharashtra, TATA AIG has celebrated its 24 years of functioning. Since its inception, the company has insured over 5 crore people and last year alone, TATA issued 1 crore+ policies. TATA AIG is backed by the trust and credible name of TATA and a claim settlement ratio of 99%. [1] [2] [3]

About TATA AIG Car Insurance

If you are a car owner, it is important that you have your car insured. This not only protects your car, but also takes care of your financial and legal responsibilities arising due to an accident caused to your car or to a third party person or property through your vehicle. TATA AIG offers stand alone third party liability car insurance, stand alone own damage and comprehensive car insurance.

Key Features

The key features of TATA car insurance are as mentioned below:

• Unique Add Ons: There are a total of 19 add ons to choose from. Out of these 18 about 5 are unique to TATA AIG. They are repair of glass fibre and plastic parts, return to invoice, emergency transport and hotel accommodation, emergency medical services, electrical surge covers for EV and misfueling.
• Performance Driven Claims: TATA AIG has 650 claim experts across India who ensures smooth claim settlement of the policyholders.
• Customer Focused: With the trust of TATA, and an offering of over 10,000 cashless garages, the company has insured more than 5 crore Indians and is highly customer focused.

Key Metrics

Eligibility To purchase a Car insurance Plan

In order to purchase TATA car insurance, you must have the following:

• Car registered under Regional Transport Office (RTO)
• Car Registration Certificate or RC
• A valid driving licence (DL)
• Two passport size photographs
• Other documents may be required depending on your insurer

Types of Car Insurance Plans Offered by TATA AIG

There are three different types of car insurance offered by TATA AIG, they are:

• Stand Alone Third Party Car Insurance: A third party liability car insurance is a type of car insurance that protects you from legal and financial liabilities arising due to an accident on the road involving a third party person or property. Having a third party car insurance is mandatory as per the Insurance Regulatory and Development Authority of India (IRDAI). Note that the price of third party insurance is also set by IRDAI and the cost remains the same irrespective of the insurer you choose.

• Stand Alone Own Damage Car Insurance (SAOD): An own damage car insurance is an insurance type purchased to protect your car against natural or man made disasters, fire, theft, burglary, etc. An SAOD car insurance is recommended for people who already have a third party car insurance and are now looking at insuring their car.

• Comprehensive Car Insurance: When you buy comprehensive car insurance from TATA AIG, you will get complete coverage for your vehicle as well as protection from any legal or financial liabilities arising from an accident with a third party person or property. Basically, comprehensive car insurance covers you for both third party liabilities and own damage.

Add-ons offered by TATA Car Insurance

Add ons are additional benefits that can be availed when you are buying an SAOD or comprehensive car insurance. They enhance the protection of your car more. Listed below are a total of 19 add ons offered by TATA AIG car insurance [3]:

• Zero Depreciation Cover: Also known as nil dep, zero depreciation is a type of add on that enables you to get reimbursement even on the depreciated value of your car. This means, you will be able to get the complete sum insured without deducting the cost of depreciation of your car.
• Roadside Assistance Cover: With this cover you can be tension free round-the-clock in case your car breaks down in a remote location especially with no help nearby. TATA AIG will send a team to help you refuel, tow or get mechanic service in an emergency.

• No Claim Bonus (NCB) Protection Cover: An NCB protect or No Claim Bonus protection cover is a type of cover that gives you your no claim bonus benefit even after you have made multiple claims in a year. Note that there is a limit on the number of claims that can be raised with this add on which you must check with your insurer. This cover is only available with a comprehensive car insurance plan.

• Engine Protection Cover: Your car’s engine is one of the most expensive parts in the vehicle. With an engine protection cover your car’s engine is protected especially if you stay in a flood prone area. This is because with this add on your get coverage for repair as well as replacement of your car’s engine without any extra cost. This cover is available with a stand alone own damage or comprehensive car insurance.

• Consumables Cover: The cost of consumable items of your car like nuts, bolts, air conditioner gas, engine oil, gearbox oil, oil filters etc are all covered within the consumables cover add on. Note that this add on does not cover the cost of fuel.

• Personal Accident Cover for Owner/ Driver: Mandatory by law, a personal accident cover gives the policyholder a coverage of rupees 15 lakh. This applies in case the policyholder dies in an accident while driving in the insured car and the compensation is given to the policyholder’s family.

• Personal Accident Cover for Passengers: TATA AIG has another great cover to offer which gives personal accident coverage to passengers sitting in your vehicle during the accident. The compensation under this coverage depends upon the insurer. This add on will help safeguard the lives of your co-passengers.

• Cover for Repair of Glass Fibre and Plastic Parts: With this add on you will be able to raise a claim for the repair of your car’s damaged glass, fibre, and plastic parts. With this add on, you also don’t have to worry about your no claim bonus as that is intact. It is important to note that for each policy year, you only get to make one repair claim under this add on.

• Daily Allowance Cover: In case your car is in the garage for a long duration of time, this daily allowance add on provides you with an amount that would take care of your travel expenses during your daily commute. This amount is payable for a period of 10-15 days depending on the reason due to which your car is in the garage.

• Emergency Transportation and Hotel Accommodations: In situations where your car is involved in an accident, and you are far away from your official residence, with this add on you can get emergency transportation as well as overnight hotel accommodation. The travel charges will either cover the cost to return home directly or to the city/ destination closest to your home.

• Tyre Secure Cover: With the help of this add on, you can get coverage for the repair or replacement of your car’s damaged tyre or tube. It is important to note that this coverage is applicable only in the case of an accident and not when your tyre or tube is damaged due to regular wear and tear.

• Key Replacement Cover: This cover takes care of the repair or replacement cost of the key of your car. This is valid when the key is damaged or misplaced in an accident or when it is stolen.

• Cover for Loss of Personal Belongings: This add on covers the loss of damage or misplaced personal belongings like clothes, documents, laptop, charger, mobile phone, etc from your car during an accident. It is important to note that this does not cover loss or damage cost for items such as debit or credit cards, jewellery, money, watches, etc. It is recommended that you check with us or your insurer on this before taking the add on.

• Return to Invoice Cover: In case your car is completely damaged due to accident or is lost due to theft, this add on helps in covering the difference in cost between the purchase price of your vehicle and the compensated amount. This helps in covering up for the depreciation amount. With this add on, you also get the registration and road tax amount paid back to you.

• Emergency Medical Expenses Cover: In case you, the driver or a passenger in the car is injured or has sustained a bodily injury due to an accident, this add on covers for emergency medical expenses. You get up to rupees 5000 or 5% of the total sum assured (whichever is lesser) as well as ambulance cost covered within this add on. The cost is usually for supporting items for movements like crutches, artificial limbs, wheelchairs, etc.

• Electric Surge Cover for EV: In case your electric vehicle or EV gets damaged due to self heating, water ingression, short circuits, leakage of electricity, damage to charging equipments due to arcing, then this add on covers for your EV. In this case you get a total or partial compensation depending on the damage.

• Car Loan Protection: In case the policyholder dies or is permanently paralysed in an accident involving the insurer car, this add on helps in paying off the car loan. It is important to note that this coverage happens only when the vehicle is damaged by a covered peril under Section I of car insurance policy.

• Misfuelling: With this add on you can get a compensation of up to rupees 2000 in case you submit the necessary documents/ bills when your car is contaminated with wrong or bad fuel causing damage to your car. With this add on you also get necessary support for repair or replacement cost and flushing out of the incorrect fu

What Is Covered and What is Not Covered?

Each insurer has their own set of inclusions and exclusions within a car insurance policy. Listed below are the details for the same:

How To Make A Claim For TATA AIG Car Insurance?

Before raising the claim ensure that you have the following documents in place:

1. Copy of your policy document
2. Copy of car registration certificate or RC
3. Copy of FIR
4. Original Car Repair Bills
5. Proof of Accident/ Mishap

Now follow the steps mentioned below to make a claim:

Step 1: Inform Your Insurer

In order to make a proper claim, immediately inform the insurer right after the accident. Make sure to file for an FIR as soon as possible.

Step 2: Submit Documents

Submit all the documents required by your insurer to ensure a smooth claim process. Make sure that you submit all the proofs that you may have gathered.

Step 3: Get Repair Done

Once the documents are submitted, a surveyor will be appointed by your insurer. The details of the surveyor’s findings will be submitted to the MACT (Motor Accident Claim Tribunal) in case of an accident. In case of damage or theft, your insurer will evaluate it internally and you will get a confirmation on claim status. You will accordingly get approval for getting garage repair or replacement of parts done or the money back in case of theft or complete loss of car.

TATA AIG Car Insurance Renewal Process

Step 1: Visit InsuranceDekho website

Visit InsuranceDekho’s website. Select Renew Policy from the header menu on top.

Step 2: Verify Details

Enter your mobile number and verify through OTP.

Step 3: Select Your Policy and Review Details

Once in your dashboard, select TATA AIG from the list of all your open policies. Review your policy before renewing, make changes if any and then proceed.

Step 4: Make Payment

To make the payment, choose your preferred payment method like UPI, debit or credit card or through net banking.

TATA AIG Car Insurance Customer Service & Support

TATA AIG Contact Details

You can choose the following ways to connect with TATA AIG customer service and support team [4]:

1. Whatsapp Number: +91-9136160375
2. 24/7 Toll Free Number: 1800-266-7780
3. Email: customersupport@tataaig.com

InsuranceDekho Contact Details

To connect with InsuranceDekho customer service and support team, you can contact:

1. Phone Number: +91-7551196989
2. Email: support@insurancedekho.com

Complaints & Grievance Redressal

TATA AIG Grievance Redressal

1. Toll Free Number: 1800-266-7780
2. Tolled Number: 022-66939500
3. Email: head.customerservices@tataaig.com

InsuranceDekho Grievance Redressal

1. Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
2. Contact Centre : Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
3. Visit our website https://www.insurancedekho.com/contact-us