"Spending a whole day looking for insurance is fun," said nobody, EVER!

    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
      "Looking for best support"
      0.5 3.0/5 "Satisfactory"
      I have an incident with Tata Aig, when there was a claim. The particular car dealer was not accepted for the cash less service for the break down issue. But insurance company told it also covers the break down issues. Finally I paid some amount and repaired it but Tata Aig didn't support on that. But my first claim with them was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • Tata AIG Car Insurance
      "Best Policy Cover"
      0.5 5.0/5 "Blown Away!"
      when I was traveling from pune, I met with minor accident. I went to that insurance company, but process got delay around 15 days. Then I gave many call to them and resolve the queries. Tata Aig done the claim process without any amount they repaired the front bumper. However the policy cost is economical for the cost value.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 13, 2018
    • Tata AIG Car Insurance
      "Its Average"
      0.5 2.0/5 "Expected more"
      I bought second hand car, hence I am not sure about the complete benefits of TATA AIG car policy. I purchased my vehicle in mumbai and renewed the insurance in Bangalore. I hope the insurance company had same coverage, at the time of car purchase my insurance was expired.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 13, 2018
    • Tata AIG Car Insurance
      "Premium should be reasonable and IDV should be best"
      0.5 4.0/5 "Great!"
      TATA AIG was giving more premium on car insurance and the IDV value is also less. Last time I paid the premium around RS. 16,000, they gave me the policy coverage value around Rs. 7.32 lakhs. TATA AIG gave me zero depreciation plan, brand value is good in Tata AIG.
      Was this review helpful? 0
      ,
      Reviewed on Mar 13, 2018
    • Tata AIG Car Insurance
      "Good Protection for Four wheeler"
      0.5 4.0/5 "Great!"
      I think TATA AIG, premium amount is low when compared to other insurance company. It has good features even its covers for loss or damage. They gave me IDV of Rs. 3 lakhs for my Honda amaze. I paid the amount around 10,200 for pearl plan. It has got bumper to bumper features.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Tata AIG Car Insurance
      "Very good policy"
      0.5 5.0/5 "Blown Away!"
      My previous car insurance policy was with Tata Aig, The policy was very good I was happy and satisfied with it because the final premium amount and the Idv they offered was very good. Their processing and customer service was very well, I didn't have to face any difficulty. So I was fine with the policy.
      Was this review helpful? 0
      , nagpur
      Reviewed on Mar 05, 2018
    • Tata AIG Car Insurance
      "Average"
      0.5 2.5/5 "Just OK"
      I have taken a car insurance policy from Tata Aig, the only issue that I faced with the policy is the name and address of the applicant was mentioned different. Later after making a calls they are responded me back with email and now it's being rectified, other than that everything is fine.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 05, 2018
    • Tata AIG Car Insurance
      "Better"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Car insurance policy from a TATA AIG GENERAL INSURANCE. My premium amount is Rs. 19,740/- is affordable by comparing with previous insurance policy. The application process is very simple and easy. Most of all benefits are covered under one policy. I had received my policy document by mail. I didn't have any claim experience so i am unable to comment about it.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • Tata AIG Car Insurance
      "a best experience"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from TATA AIG GENERAL INSURANCE company. My premium amount is Rs. 20,531/-. I feel it is very affordable by comparing with other insurance polices. I had received my policy document as e document and Hard copy with in due time. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 23, 2018
    • Tata AIG Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Tata Aig. My final premium is around Rs. 12,846 and Idv is around Rs. 4,50,000. I am satisfied with policy, I did not face any of difficulty, I wanted to include CNG in the policy which later I got it so happy about it.
      Was this review helpful? 0
      , rajkot
      Reviewed on Feb 22, 2018
    • Tata AIG Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Tata Aig. My final premium is around Rs. 14,093 and Idv is around Rs. 4,90,000. I am satisfied with the policy I have no issues, the processing was done on time, and the customer service is also good. I had been having this policy since the beginning and I am happy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2018
    • Tata AIG Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Tata Aig. I am satisfied with the policy coverage, my final premium is around Rs. 14,093 and Idv I am receiving is around Rs. 4,90,000. I never faced any kind of issues with the policy, the processing was done on time and I am happy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Tata AIG Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Tata Aig. The final premium I paid is around Rs. 19,166 and Idv is around Rs. 5,30,000. I received the policy after 3 weeks, the documents were delayed. That was a drawback, other than that there is a no claim bonus included.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Average"
      0.5 2.0/5 "Expected more"
      I had a car insurance policy from Tata Aig. The policy was good I was satisfied with the policy. I do have a claim experience and I was satisfied. However they could improve on the services like website management where user experience is not good and even auto renewal option after taking claim was not available.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "The best experience"
      0.5 4.0/5 "Great!"
      I had applied and got the car insurance from the prestigious company TATA AIG GENERAL INSURANCE. It is one of the best experience. The customer support is good and they sent my policy hard copy document to my registered communication address. I feel good and comfortable.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Satisfied with the policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Tata Aig. I am satisfied with the policy, I received the soft copy but I did not receive the hard copy of the policy, they said I can download the soft copy and use it. My Final premium is around Rs. 16,940 and Idv is around Rs. 5,02,876.
      Was this review helpful? 0
      , bhiwadi
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I had a car insurance policy previously from Tata Aig. I would like to say I was satisfied with the policy coverage. Even though I do not have any claim experience with the policy, but the premium was fine and everything went well with the policy. I wanted to renew the same policy for this year as well but the policy already expired I had to go with other policy.
      Was this review helpful? 0
      , indore
      Reviewed on Feb 17, 2018
    • Tata AIG Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a Car insurance policy from Tata Aig. I am very satisfied with the policy because of it's services. Even during my trips to abroad I did not face any difficulty with the policy, they once assisted me when I was away and got the work done. So the services were quite reliable. I am happy.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Feb 14, 2018
    • Tata AIG Car Insurance
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      TATA AIG is providing good protection for my vehicle, the premium amount was also nominal. I paid the premium around Rs. 10,000 for my Maruthi Suzuki wagon R car, insurance company gave me the IDV value around Rs. 2.3 lakhs. Its covers entire parts of vehicle, it has cashless service and no claim bonus feature too.
      Was this review helpful? 0
      ,
      Reviewed on Feb 05, 2018
    • Tata AIG Car Insurance
      "Services can be more proactive"
      0.5 3.0/5 "Satisfactory"
      The premium was almost on the same with TATA AIG for the car insurance when compared to the other companies. The reason I could not continue with them is because there were no follow up done for the renewal. They came at the last moment. Else the overall benefits are good. The first time they done a good job.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 03, 2018
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