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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
      "Features are good"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance with Tata AIG. The services are good and it was a easy process. The policy coverage value is fine and the premium cost is neutral. The main reason I chose this provided because they have a tie up with a good list of cash less garages and also a tie up for the towing van. There is a road side assistance too. The policy documents took seven to eight days to reach me and I had to follow up with them.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 11, 2018
    • Tata AIG Car Insurance
      "Looking for better cover and service"
      0.5 4.0/5 "Great!"
      I was expected more coverage value for my vehicle and also they taken two and half months to send the hard copy after frequent follow up. But I believe Tata Aig got tie up with many service center and also they do have road side assistance service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 31, 2018
    • Tata AIG Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      The premium charge is very high hence i have not continued the policy with this company. I bought the car insurance policy with TATA AIG. I made the premium amount of Rs. 15000 and they have given a coverage value of Rs. 6 lakhs and i was okay with it. In direct car showroom, i have done the documentation part. The showroom people has referred this policy.
      Was this review helpful? 0
      , vizianagaram
      Reviewed on Oct 30, 2018
    • Tata AIG Car Insurance
      "Good experience with TATA AIG Policy"
      0.5 4.0/5 "Great!"
      I haven't gone for any claim hence I'm not sure about the garages facility. Actually i preferred this policy because of the brand value of TATA. I made the premium amount which is large. They have provided the kind of services which is not going to be in use. They have given so many extra services. They have offered me a very good coverage amount. The documentation process was good.
      Was this review helpful? 0
      , latur
      Reviewed on Oct 30, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      When I approached TATA AIG for the car policy, there was no response from their end. Finally my policy got activate but I am not sure about the policy coverage, that I taken car insurance only for the mandatory purpose. Even few friends also have referred Tata Aig.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 29, 2018
    • Tata AIG Car Insurance
      "Very Good for car insurance"
      0.5 5.0/5 "Blown Away!"
      Since last time also i had my policy with TATA AIG, if i renewed the policy, i will be getting a no claim bonus of 50% from this policy hence i continued with same company. I made a premium amount of Rs. 15000. The policy was referred the online search. The bumper to bumper facility and road side assitance has been included. Within 5 minutes i have purchased the policy through online.
      Was this review helpful? 1
      , mysore
      Reviewed on Oct 26, 2018
    • Tata AIG Car Insurance
      "Policy is Good"
      0.5 4.0/5 "Great!"
      Because i like the features covered in this policy and the extra coverage was added in the insurance with the same price. I purchased this policy in the month of June. I made a premium amount of Rs. 12000 approximately. Its 5 lakhs covered policy. They have provided the no claim bonus, road side assistance facility. The policy date has been entered wrongly and it has been resolved after 4 days.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 26, 2018
    • Tata AIG Car Insurance
      "Brand made policy"
      0.5 4.0/5 "Great!"
      TATA AIG is one of the best brand for the car insurance policies. I tried for a claim with TATA AIG and the process was not easy and the claim amount was low which is for key replacement. It was bit higher premium amount i have moved from the company. I have used the policy 1 year back.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 24, 2018
    • Tata AIG Car Insurance
      "Worst customer care service"
      0.5 2.0/5 "Expected more"
      Last week i made a complaining regarding the car battery as it was stolen and i made a call to their customer care. They told me that they will give call back but it didn't happened. They have told me that it took 24-48 hours to take the garages. I'm not satisfied with the TATA AIG policy and i will not recommend this policy to anyone. I had taken this policy in the month of March only.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 23, 2018
    • Tata AIG Car Insurance
      "Everything is fine with TATA AIG"
      0.5 3.0/5 "Satisfactory"
      Since the premium was high i have not continued the policy with TATA AIG. They have provided the higher premium amount with a lower IDV value. Till now i have not claimed anything by using this policy. I have taken the policy in the year of 2016. TATA AIG people called me for the marketing calls and i have come to know about their product details.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 23, 2018
    • Tata AIG Car Insurance
      "Its excellent"
      0.5 4.0/5 "Great!"
      Premium amount wise I am very much happy with Tata Aig, I got best deal from them even the process was quick. My friends have suggest this insurance company because they are good service provider. My car plan is Gold with RSA for the IDV value of Rs. 8 lakhs, with cashless garages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2018
    • Tata AIG Car Insurance
      "Perfect company"
      0.5 5.0/5 "Blown Away!"
      The customer service in TATA AIG is perfect. Due to the low premium and other benefits are equal to other competitors thats the reason i have selected this company. I pay the premium amount of Rs. 18000 and i don't remember about the the coverage amount. I never applied for claim with the TATA AIG so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 17, 2018
    • Tata AIG Car Insurance
      "Good one"
      0.5 3.0/5 "Satisfactory"
      Since the premium is High hence i have moved to other company. Actually when i bought a brand new Swift car, the showroom people has tie up with TATA AIG and provided this policy. They have a wide range of cashless garages is available in nearby my location. I made a premium amount of Rs. 9500. If they are reduced the premium, it would be fine.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 15, 2018
    • Tata AIG Car Insurance
      "Need NCB along with the policy"
      0.5 3.0/5 "Satisfactory"
      Last policy with Tata Aig, I didn't go for renewal because they don't have no claim bonus features. After taking the policy the executive have called me and ask to pay the amount of Rs.350 to add some additional features for my Honda amaze car.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 15, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 4.5/5 "Excellent!"
      When I compare the policy amount I found Tata aig cost is best in the market. I offered best deal for my Hyundai elite car with the IDV value of Rs. 7.50 lakhs. I took pearl plan for one year with zero depreciation with 24 hours of road assistance side.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 12, 2018
    • Tata AIG Car Insurance
      "Value for money"
      0.5 4.0/5 "Great!"
      I have chosen the TATA AIG because Right people to deal with. I will be getting lots of benefits whatever i'm paying for them. This is the first time i have used the TATA AIG. I have made a premium amount of Rs. 24000 and I'm happy about that. This is a comprehensive insurance and its covered all the part of the vehicle even though the glass and rubber also covered.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 12, 2018
    • Tata AIG Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I didn't have any experience with TATA AIG. When i go for the claim only they will be saying all the terms and conditions and will come to know the real face of the company. When i go renew the policy this time, they have not given the existing IDV value hence i away of this company.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 12, 2018
    • Tata AIG Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      For nearly ten years I am holding car policies but never claimed with any one including Tata Aig general insurance. It was also good, but the price is bit higher for zero dep policy. They have gave me good no claim bonus benefits based on non usage of policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 11, 2018
    • Tata AIG Car Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have purchased the policy in the month of March. As per my requirements this TATA AIG option makes fulfilled. They have offered higher IDV value. I have made a premium amount of rs. 9 K. The payments options has to be improved. I had no claim experience with this policy.
      Was this review helpful? 0
      , mudhol
      Reviewed on Oct 11, 2018
    • Tata AIG Car Insurance
      "Premium should be economical"
      0.5 4.0/5 "Great!"
      Their insurance price is very costly and its not standard as per the market, last year I had Tata Aig general insurance, they gave me road side assistance, 24 hours service and no claim bonus. At the time of renewal its costly in the market
      Was this review helpful? 0
      , bathinda
      Reviewed on Oct 11, 2018
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