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  • TATA AIG Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Tata AIG General Insurance is a market leader in providing car insurance solutions. They also sell home, health, travel, marine and business insurance. A joint venture between American International Group and Tata Group, Tata AIG has come up with several innovative services in the last few years.

    Car Insurance Online from Tata AIG Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages NA
    Incurred Claim Ratio 2016-17 79.31%
    Net Earned Premium NA
    Covers Provided
    • Depreciation
    • Allowances
    • Invoice cover
    • Personal belongings
    Features
    • Quick claim settlement
    • Instantaneous purchase
    • Wide range of add-ons
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Online purchase- Policyholders can easily purchase the policy online by just following a few simple steps. Just log on to the Tata AIG General Insurance website, fill in your personal details and choose the ‘Buy Online’ option.
    • Quick claim settlement- All claims are settled in a speedy manner by the expert insurance claims team within a span of 7 working days. Making a claim is an easy process and it can be made online or through their toll-free number.
    • Added protection-Tata AIG offers customers an extensive range of add-on covers that are unique and helpful. This gives a customer the privilege of customising their insurance policy as per personal needs and requirements.
    • Warranty- Policyholders will be given a special warranty period for any kind of accident-related repair work. Tata AIG offers up to a 6 month warranty period to every customer.
    • Comprehensive policy- The private car insurance policy provides an all-inclusive cover option that protects the policyholder from all kinds of risks, apart from the compulsory third-party liability option. Coverage is provided against accidents, theft, riots, and other natural calamities such as floods, earthquakes, cyclones etc.

    Easy Steps To Apply for Tata AIG Car Insurance

    • Log on to the Tata AIG General Insurance website and click on the car insurance option
    • Once you reach the car insurance page, all you have to do is click on the ‘Buy Online’.
    • This will redirect you to another page where you can get an insurance quote free of cost. If you are happy with the quote, you just have to follow a few simple steps and make payment.
    • Once the payment is made, all will be able to download the policy document and you will also receive the document via email.
    • A printed copy of the insurance policy will be sent to the policyholder within a period of 7 working days.

    Why Tata AIG Car Insurance

    Quick & easy purchase
    Timely claim settlement
    Wide range of add-ons
    Easy renewals

    Add-on covers on Tata AIG Car Insurance

    The following are the add-on options provided by Tata AIG:

    • Depreciation cover- This cover will protect the policyholder against the loss occurred due depreciation of the car and its parts over a period of time. A maximum of two claims can be made under this option during the policy tenure.
    • Allowances- The policyholder is eligible for a special allowance to take care of the transportation cost on a daily basis when the car is damaged or is undergoing repairs at the concerned network garage. This can be availed for 10 days and in case of theft or total loss to the vehicle in question, the period of allowance is 15 days.
    • Hire car cover- The insurance company will provide the policyholder an alternative car for a specified period when the car in question is damaged or undergoing repairs. Once you inform the insurer, a car will be arranged for use within a 24 hour period.
    • No claim bonus- The no claim bonus benefit can be availed if no claim is made for 2 years and there is no kind of own damage. Not more than one claim should be made under own damage to make use of this offer.
    • Invoice cover- This cover will protect you against the loss that occurs due to the difference in amount receivable and the invoice price of the vehicle. The cost incurred towards road tax and registration will also be taken care of under this option.
    • Repair of parts- The policyholder is eligible to get repair works done for any of the car parts including glass, rubber parts, plastic and fiber at the concerned network garage. This will not impact the eligibility for no claim bonus as long as the number of claims made under this add-on is not more than one.
    • Personal belongings cover- Personal items such as electronic gadgets, money, clothes, bank documents, etc, will be provided protection under this add-on option. Business or trade samples, however, will not be included as part of this. An FIR needs to filed to avail this benefit.
    • Emergency services- In case of an unfortunate event, the insurance provider will cover the cost towards booking of accommodation including emergency travel arrangements. This can be claimed only if there is valid proof provided while making the claim.
    • Key protection cover- in case the car keys are lost due to a theft or damaged during the course of an accident, the cost of repair and replacement will be taken care of. Policyholder are also applicable to claim for any losses incurred to the lock set of the car. All labour expenses will be covered.
    • Engine protect- This add-on covers any damage that has been caused to the engine parts including the internal parts, gearbox, etc. this is only applicable if any loss or damage has been caused due to the leakage or seepage of water into the engine parts. The cost of replacing lubricating oil will also be taken care of.
    • Tyre protect cover- Any damage caused to the tyre of the car or to the tubes will be taken care of under this policy. However, this cannot be claimed if the car in question is not repaired at the concerned network garage.
    • Consumables cover- Any consumable item that needs to be repaired or replaced will be covered under this option. The consumable items include clips, brake oil, air conditioner, distilled water, oil filter, nut and bolt, gear box, engine oil, etc.
    • Roadside assistance- A number services such as repairing of the vehicle on the spot, looking into tyre problems, key replacement, emergency fuel delivery, etc will be provided under this add-on option.
    • Towing assistance- The policyholder is eligible to avail towing services in case of an accident or breakdown. The car will be towed to the nearest network garage within a radius of approximately 25 kms.
    • Concierge services- The insurance company will make arrangement to inform family members via SMS during an accident or unfortunate event. An alternate facility will also be organised to transport the victims from one place to another.

    Inclusion & Exclusion under Tata AIG Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
      War related risks
      Consequential loss
      Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - Tata AIG Car Insurance

    • The Insured Declared Value (IDV) of a vehicle is determined when the policy is purchased. IDV refers to the amount that the insurance company has to pay the insurance policyholder when a claim is made.
    • IDV is calculated based on the manufacturer’s listing price and the brand of the car. In case, the car is more than 5 years old, the IDV is determined based on a mutual understanding between the insurance provider and the insured party.
    Age of vehicle % of depreciation
    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%

    Tata AIG Cashless Garages

    Tata AIG has a wide network of empanelled cashless network garages where customers can avail direct services across the country. This comes as an added advantage to policyholders who do not have to go through the hassle of searching for the appropriate repair or workstation. To know where the nearest network garage is, log on to the Tata AIG General Insurance page and click on the ‘Garage Locator’ option. Details such as the state, city and vehicle make needs to be filled in to locate the nearest network garage.

    Claim Process for Tata AIG Car Insurance

    The Claim process for Tata AIG is easy, less time consuming and hassle-free. With a basic understanding of the steps involved and the documents required, a claim can be made online or by contacting a customer care executive on their toll-free number.

    Cashless Claim Process for Tata AIG Car Insurance

    Let’s explore the cashless claim process:

    • Get the car towed to the nearest cashless network garage
    • Notify the insurance provider, submit all documents
    • The payment will be made by the insurance company directly to the concerned network garage

    Reimbursement Claim Process for Tata AIG Car Insurance

    Let’s explore the reimbursement claim process:

    • Keep all bills and invoices ready
    • Inform the insurance company
    • Fill in the claim form
    • Submit the form along with documents required
    • The claim will be settled in 7 working days

    TATA AIG Car Insurance Reviews

    • Tata AIG Car Insurance
      "Claim experience is easy"
      0.5 5.0/5 "Blown Away!"
      I have taken my TATA AIG car insurance policy 2 years back. I have paid a premium amount of 10 K. I have got my claim amount within 3 days since its cashless once. I have got a claim amount of Rs. 40 K and it was 100% claim. It was settled my the service centre. The documentation process was user friendly and easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the policy with TATA AIG GENERAL INSURANCE because of lower premium and the premium i paid 14k. Customer service is satisfactory added on that they offered the zero depreciation coverage and i have no claim experience.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      The premium is more compared with other companies hence i have moved to other companies. I have used the policy for continuously 3 years. I have got a features of road side assistance and no claim bonus. I have already claimed in this policy and it was easy claim got the claim settlement within 15 days. They have offered 90% claim settlement.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the car insurance policy with Tata Aig General Insurance because my friend suggested this policy and used for 1 year where the premium is higher and purchased this through offline. I had no claim experience with this policy.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Sep 18, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason behind taking the car insurance policy with TATA AIG GENERAL INSURANCE is with lowest price also for the brand value. Premium what i have paid for this policy is nominal added on that the policy coverage is for zero depreciation which is comfortable.
      Was this review helpful? 0
      , bhopal
      Reviewed on Sep 17, 2018
    • Tata AIG Car Insurance
      "Poor service"
      0.5 2.0/5 "Expected more"
      They did not have the cashless facility hence i don't this company. They don't have the claim facility on Saturday and Sunday. Before 2 years, i have purchased the policy with TATA AIG. More than 7000 i have paid as a premium. They have offered me a IDV value of Rs. 3.5 lakhs. I'm not aware of the TATA AIG.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 12, 2018
    • Tata AIG Car Insurance
      "Very Good policy"
      0.5 4.0/5 "Great!"
      I didn't receive any hard copy yet. They have a coverage in all the showroom. Its because of the low premium i have selected TATA AIG for my car insurance. In the January month, i have purchased the policy and i have paid around 17 K. They have a cashless facilities in nearby my house and they are providing road side assistance also.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2018
    • Tata AIG Car Insurance
      "Good company for car insurance."
      0.5 4.0/5 "Great!"
      The reason behind i have selected the TATA AIG is their follow up was good. The value and cost is very low when i compared with other companies. I have paid a premium amount of Rs. 5000 and for that i have got a IDV value of Rs. 3.5 lakhs. I have got a benefits of the no claim bonus, Bumper to Bumper.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2018
    • Tata AIG Car Insurance
      "Good policy with Good coverage"
      0.5 5.0/5 "Blown Away!"
      Month of January, i have purchased this policy. Around 8000 i have paid as a premium amount. Because of the Brand value i have selected TATA AIG for my car insurance. It is a Zero debt policy. Whatever the damage, they have offered me a100% claim since i have opted for bumper to bumper service. I was fine with the pricing.
      Was this review helpful? 0
      , nasik
      Reviewed on Sep 10, 2018
    • Tata AIG Car Insurance
      "Very Good car Insurance"
      0.5 5.0/5 "Blown Away!"
      Very good reasonable and claim ratio in TATA AIG. The premium rates are high when i compared to other companies. I have not come across for talking with the customer care service in TATA AIG. They have offered me a IDV value of Rs. 11 lakhs. Bumper to bumper. Cashless garages, road side assistance is available. I have paid the premium amount of Rs. 27000
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 28, 2018
    • Tata AIG Car Insurance
      "Excellent policy"
      0.5 5.0/5 "Blown Away!"
      I have bought this TATA AIG policy in the month of April. I have made a premium amount of Rs. 6000. I haven't done any claim as of now. They are not providing a cashless garages. If previous policy got expired more than 90 days, they won't provide the cashless garages. They have not provided the no claim bonus and road side bonus for this issue. At least for the existing customer, they have to provide the facility with physical verification of the car.
      Was this review helpful? 1
      , hooghly
      Reviewed on Aug 23, 2018
    • Tata AIG Car Insurance
      "VERY GOOD"
      0.5 4.0/5 "Great!"
      I have taken my car insurance policy from TATA AIG GENERAL INSURANCE the reason is that they provided me a lower premium also the good service when compared with the other policies. They are providing me a coverage of the bumper to bumper.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 18, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have a car insurance policy taken from Tata AIG, I have taken the policy through on line and the documentation process was done on time. I am not sure about the policy coverage, but the premium and Idv is satisfactory. I am satisfied with the policy I have taken.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2018
    • Tata AIG Car Insurance
      "Anybody go through this policy"
      0.5 4.0/5 "Great!"
      I have purchased this TATA AIG car insurance almost 3 years before. I have made the premium amount of Rs. 10000. I had never experienced of any claim. I'm unable to recall the benefits of the policy. I have chosen some benefits from this policy. I'm not sure about the claim amount whatever they have provided to me.
      Was this review helpful? 0
      , faridabad
      Reviewed on Aug 09, 2018
    • Tata AIG Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      After i purchased the policy, i have never come across a situation to talk with the customer care since i don't have any claim experience so far. I have paid the premium amount of around Rs. 13000. I have purchased this policy 6 months before. I have chosen the features of the bumper to bumper, roadside assistance, no claim bonus.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 09, 2018
    • Tata AIG Car Insurance
      "Reputative company"
      0.5 5.0/5 "Blown Away!"
      The premium is high when i compared to other policies. I have not called the customer care still now. I have forgot the benefits and features of the policy. I have not claimed anything. I have paid the premium amount of around Rs. 7000. Once anything happened only i could say more about the policy
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 09, 2018
    • Tata AIG Car Insurance
      "Regular policy from TATA AIG"
      0.5 5.0/5 "Blown Away!"
      I have taken this TATA AIG car insurance policy few months back. I have paid the premium amount of around Rs. 10000. Cashless garage, no claim bonus available. I don't remember about most of the features. I have not called the customer care service since i don't have any claim experience. There is nothing extra mentioned extra in this policy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 06, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      It is not up to the mark the reason is that the customer service is not responding properly. They are not giving the full cover for the claim i had a claim and they are giving only the 70-80% claim. The documentation done through the offline. Policy coverage is for the basic.
      Was this review helpful? 0
      , hosur
      Reviewed on Aug 06, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have an existing car insurance with the TATA AIG GENERAL INSURANCE for my another car. The documentation for my car insurance that i have been done it through the online the process is simple. The policy coverage is for the zero depreciation.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 06, 2018
    • Tata AIG Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      From TATA AIG GENERAL INSURANCE i have used as my car insurance previously for the last 1 year where the documentation i have done it through the on line the premium is lower with the IDV is higher in my policy and also added on that it is satisfactory to me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 06, 2018
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