While choosing four wheeler insurance, you can choose between a basic third party liability cover and a comprehensive insurance cover. While having a basic third-party insurance cover is a legal compulsion and covers damages caused only to a third party individual or property, a comprehensive car four-wheeler policy offers more extensive cover that offers protection against accidental damage, damages due to loss and theft, natural and man-made disasters and also offers a personal accident cover. We at TATA AIG also provide varied types of car insurance such as Comprehensive Car Insurance Policy, Stand Alone Own Damage Car Insurance Policy, and Third Party Car Insurance Policy. This array of choices so that you can find the car insurance type that best suits you and your car’s needs.

The policy coverage of your car insurance policy will depend mainly on your needs and your budget. Apart from that, your car’s make and model, the area you live in and other factors will affect the policy coverage. While choosing a suitable insurance policy, you can use the Tata AIG car insurance calculator to calculate and compare the coverage of various policies before making an informed decision.

While you buy car insurance online or renew your policy, you can consider extending or enhancing your policy cover with the help of appropriate add-ons. We offer a set of 19 unique add-ons such as Key Replacement, Return to Invoice, Engine Secure and more, that meet various situations outside the scope of your car insurance policy. A selection of the appropriate add-ons in your car insurance policy can provide an all-round protection to your four wheeler.

The IDV or Insured Declared Value of the car is its current market value. When calculating your car insurance, the IDV is important as it is the amount your car is insured for. In case of “total loss” - complete damage or theft of the car - the policyholder receives the Insured Declared Value when the claim is settled. Always select the IDV carefully as a lower IDV means insufficient compensation in the event of total loss, even though it means lower policy premiums. On the other hand, a higher IDV could mean paying more expensive premiums.

If you want to repair your car in case of minor or major damages, then you could visit your insurance provider’s network garages to have the damages repaired. By doing so, you can avail of the cashless claims, wherein, the insurer will directly pay the cost of repairs to the garage, and you won’t have to splurge exorbitant amounts on your repairs!

Tata AIG’s online Car Insurance Calculator makes it easy for you to compare different four-wheeler insurance policies online. Depending on your budget and requirements, you can choose the insurance amount, the add-ons and then compare different plans to find the appropriate one to protect your car.

The claim settlement ratio of a company is an important factor to be considered while purchasing your car insurance. If your insurer’s claim settlement ratio is high, it indicates a better chance of your claims being settled on time. Similarly, the service offered by the insurance company directly affects customer loyalty and should be checked before you buy a four-wheeler insurance policy from the company.

Under our third-party car insurance and comprehensive car insurance policies, you get coverage for third-party liabilities. These include damages to a third party, death of a third party and damages to the third-party property caused by the insured four-wheeler.

An accident can cause minor defects or significant damage to your car. A comprehensive four-wheeler policy and a standalone own-damage policy will cover the financial liabilities arising from the repairs incurred by the car due to an accident.

Both standalone own-damage and comprehensive four-wheeler policies offer coverage for damages caused by riots, terrorist attacks, strikes, malicious man-made calamities, etc., along with the fire damages resulting from lightning, explosions, self-ignition and so on.

Under our comprehensive car insurance policy, we will reimburse you the Insured Declared Value (IDV) or the total market value of the car if it is stolen or damaged by theft or vandalism.

Constructive total loss occurs when your vehicle is damaged beyond repair in an accident. Here, the repair costs exceed vehicle’s current value. In this case, a comprehensive policy will pay the IDV or the total market value of the car.

A comprehensive car insurance policy and standalone own-damage policy provide financial coverage against damages caused by natural disasters such as cyclones, floods, snowfall, frost, earthquakes, and rainfall.

You can enhance your comprehensive and standalone own-damage car insurance coverage by combining as many add-ons as required from a list of 19 car insurance add-ons. Get coverage for specific circumstances with a Roadside Assistance Cover, specific parts of the car with the Engine Secure and Tyre Secure covers, depreciation of the vehicle with a Zero Depreciation Cover (Depreciation Reimbursement), and much more.

You can avail of a Personal Accident Cover of ₹15 lakhs with your car insurance policy. This cover offers protection against permanent total disability, death, and significant injuries caused to the owner-driver as a result of an accident. In case you incur the loss of a limb or one eyesight, 50% compensation is applicable, whereas for death, loss of two or more limbs, or permanent disability, 100% compensation is applicable.

Before you commit to any car insurance policy, instead of settling for the first premium quote you see, it is essential to gather all the information and compare different premiums offered for different plans. Compare the different plans based on available coverage, premiums, deductibles, and reviews to find the best fit as per your premium budget.

A voluntary deductible is a choice by the policyholders to pay a proportion of the claim amount after an accident. In contrast, the insurance company pays the rest for repairing the car. When you raise a claim, the insurer will deduct this amount and settle the difference. By opting for higher deductibles, you can substantially reduce the cost of your car insurance premium.

Your driving habits and history also impact the car insurance premium. For instance, the number and type of traffic violations committed by you in the past can increase the premium value significantly. Thus, you must maintain safe driving habits to qualify for a low car insurance price for your car insurance needs.

When you renew car insurance after issuance for a claim-free year, you get a discount on the premium you have to pay. This discount can go up to 50% for five consecutive claim-free years. However, even a single claim incurred damage will reset the NCB back to zero. We recommend not making claims against your policy during the policy period for minor damages frequently to keep your NCB from lapsing.

Never pay for unnecessary coverage. Before you opt for a car insurance policy for your vehicle, do a dedicated assessment of the associated needs carefully, considering driving frequency, car value, geographical location, etc. Then, based on these requirements, choose a policy that offers the right combination of affordability and necessary protection.

You must renew your car insurance policy on time to avoid higher premiums at the time of renewal. Therefore, always renew your policy on time to ensure continuous extensive coverage while increasing the chances of discounted premiums during renewals.

When you get a car insurance policy, the insurer runs an assessment to establish the highest total claim value for your vehicle, known as the Insured Declared Value (IDV). However, you have the facility to reduce the vehicle’s IDV in exchange for a reduced cost of the premium. But remember that a lower IDV entails a lower maximum reimbursement value in case your car is stolen or damaged beyond repair.

If you choose to install additional security devices and modifications in your vehicles, such as parking sensors and anti-theft apparatus, you effectively reduce the risk associated with your vehicle. A reduced liability risk leads to lower and more convenient car insurance premiums from an insurer.

All it takes is three easy steps, and you can get your car insurance policy online without any delays. You can simply browse our plans, select one based on the type and coverage and as per your requirements and finally, purchase your policy without any hassles. Our online four-wheeler insurance purchase process is quick, simple and paperless! Once you pay the premium of your car insurance policy, we will send you the policy document on your email, which you can print, if needed

When you purchase our comprehensive car insurance policy, you can choose from our offering of 19 add-ons to extend the coverage. These add-ons help customise your four wheeler insurance policy based on your specific needs. From Zero Depreciation (Depreciation Reimbursement) to Key Replacement, we have what you’re looking for in a car insurance policy!

You can avail of cashless claims on your car’s repair with your Tata AIG car insurance policy. With more than 7,500 network garages all over India, you can repair your car at any of our network garages and get the benefit of cashless claims. And if you would like to visit a garage of your preference, we will instead settle your reimbursement claim so that you can focus on getting your car back on the road.

When you file a claim on your car insurance policy, we offer an online claims process that is quick and convenient. Simply visit the Tata AIG website and click on the “Claims” section on the top right-hand side of the car insurance page to fill up the online claim form. You will need to provide a few basic details such as your car insurance policy number, contact details and some information about the incident. After which, we will immediately initiate your claim process. We also enable you to track the status of your claim for more transparency.

Cashless claims with TATA AIG’s car insurance policy is easy. We have a network of over 7,500 garages across India, so no matter where you are, you’ll have a network garage close by for a cashless claim. In the unlikely possibility that you’re unable to get to one of our network garages, you don’t need to break a sweat. You can head to any trusted garage and get the repairs done. We’ll work on getting you a reimbursement claim instead. Either way, your car will be taken care of.

Our car insurance policies are well-equipped to help you keep your car protected from various kinds of damages, be it theft, loss or damage due to accidents or natural and man-made calamities. No matter what happens to your car, we will help you cover the losses without any hassles.

If you have a valid Tata AIG car insurance policy, you can raise a claim for damages to your car. We will ensure a prompt and swift disbursal of the claim amount in case of valid claims. Our claim settlement ratio of 99% in FY 2022-2023 shows how we can settle your claims quickly and easily.

To complete car insurance renewal online, you only need 3 steps with Tata AIG. This process is quick and ensures instant delivery of the renewed policy without the need for an agent or long queues.

The online car insurance renewal process reduces the hassle of physical documents. You no longer require paper documents and additional physical forms to renew a policy, making it a quick and efficient process with instant policy delivery.

With Tata AIG's online renewal process, forgetting due dates or realising the need for car insurance renewal very close to the expiry date is no longer an obstacle. This ensures you benefit from continuous coverage under your policy, keeping your car and personal safety in check.

Driving with a valid car insurance policy, especially third-party car insurance, is mandatory to avoid non-compliance towards traffic rules and regulations, attracting hefty fines. However, with the ease of online car insurance renewal, you can avoid penalties with the convenience of instant renewals from anywhere.

Understand your expired policy to assess the coverage details, eligible inclusions and exclusions, and combined add-ons.

Enter your car registration number and select “Renew” to view the existing Tata AIG insurance policy information regarding coverage, add-ons, etc. If it is another company’s policy, click on “Get Quote”. Simultaneously, fill in all the necessary details about yourself.

Select IDV or NCB if applicable and remove or choose necessary add-ons to combine with your base policy as per coverage needs

Review all the information added for the policy application and view the final quote based on your choices.

Complete the required payment using one of the online payment methods.

Get your renewed car insurance policy to your email address.