Car Insurance in Chennai

The city offers huge business and employment opportunities. Therefore, Chennai's
population has doubled over the recent years, making the roads crowded and transport conditions
unpredictable. Hence, insurance for cars is a chief necessity to avoid unforeseen expenses arising out of
road accidents while driving in Chennai.

When searching for one of the best car insurance policies in Chennai to drive your car on the accident-
prone Chennai roads without worrying about repair costs, you need not look further than Tata AIG motor insurance. This joint venture between the American International Group (AIG) and the renowned
Tata Group strives to provide affordable car insurance to Indian four-wheeler owners.

Some of the major benefits of insuring your car with Tata AIG are as follows:

• Buy car insurance online in 3 simple steps.
• Avail of a range of coverages such as a comprehensive motor cover, personal accident cover, and
• third-party cover.
• Stay protected from the financial implications of accidents involving the owner-driver, the pillion, or
• both, with the personal accident cover.
• Get help in on-road emergencies.
• Obtain cover against damages caused by natural calamities, including cyclone, earthquake, flood, and
• typhoon.
• Get up to ₹7.5 lakhs reimbursement against expenses incurred by a third party due to an accident,
• with the third-party liability policy.
• Make use of the six-month window to repair your damaged vehicle at your convenience.
• Take advantage of a wide variety of add-on risk covers for further financial benefits.
• Enjoy cashless TATA AIG car insurance claim settlement and avoid out-of-pocket expenses.
• Remain assured of timely claim disbursal with the company’s high 75% claim settlement ratio and 7-
• day settlement policies.
• Forget the stress of missed premium payments on your existing TATA AIG motor insurance policy as
• you get 30 days to renew car insurance
• Save more with No Claim Bonus (NCB) for a claim-free policy period
• Rejoice in zero deductions for the salvage value on the premium calculation
• Contact the 24*7 help desk to resolve all your queries
• Repair your car at a service centre near you through TATA AIG’s network of over 7,500 garages
• nationwide

Buy or renew car insurance with Tata AIG from its list of plans catering to diverse motor insurance
needs. The types of plans available are:

Third-Party Liability Policy- The Third Party Car Insurance protects against the financial liabilities towards a third party if you are at
fault in an accident. This coverage is also mandatory as per Indian laws.

Own Damage Policy- The Own Damage Car Insurance plan gives financial protection from damages caused to your vehicle through
natural calamities. In case of theft or burglary, it covers the repair or replacement costs.

Comprehensive policy- The Comprehensive Car Insurance Policy combines the benefits of both a third-party plan and damage to
own car coverage.

Personal Accident Cover- Under this plan, both the owner-driver and the co-passengers are financially
protected against the treatment costs of injuries suffered due to an accident. The cover is provided for
permanent or temporary disability, loss of sight, loss of limbs, or death.

1. Inform the Tata AIG customer care immediately after the accident occurs, or your vehicle is damaged and needs repairs. We will help you out with the next steps.
2. In case of damages to your car, take it to a network garage for repairs.
3. If you wish to file the claim online, visit the TATA AIG Claims Process page.
4. Select Raise a Claim.
5. Fill in all the necessary details as prompted on the screen. Click on Submit.
6. Submit all the relevant documents that are needed for the claim processing. Some common
   documents are:

• Duly filled claim form
• First Information Report (FIR) in case of an accident
• No Trace Report from the police if your vehicle is stolen
• Legal Notice of the concerned party in case of third-party liabilities
• Policy documents
• Personal details - address and identification proof
• Hospital bills in case of personal accident claim
• Repair bills from the garage (in case of reimbursement claims)
• Any other document as required for claim settlement

7. We will verify the claim. If your claim meets our predefined claim norms, you will receive the
   specified plan benefits.

TATA AIG will provide cashless settlement for the repair costs or directly compensate the concerned

Chennai is a metropolitan city, fast emerging as a hub of economic progress. Offering unmatched job
opportunities in its numerous software and automobile companies, the city has become highly
populated. As many as 70 lakh people reside in and around Chennai today.

As a result, countless cars dominate the roads, and traffic congestion is a common scenario. It is said
that it takes around half an hour to cover a kilometer in Chennai. Always in a rush to save time in
commuting, people often become careless, resulting in vehicle collisions and road accidents.
The poor road conditions in Chennai are another major issue that leads to accidents. In 2017, an
underground metro construction work had reportedly damaged a long stretch of road, trapping a car
and a city bus in the hole. Water pipeline work had begun on the Canal Bank Road in 2020 before the
outbreak of the pandemic. Though the work has resumed from August, the pace is slow. The hold-up
has led to time constraints on rush-hour traffic, causing accidents on that road.

Apart from the ongoing construction works that affect the Chennai roads, harsh monsoons in Chennai
are also a significant concern. Potholes at different junctions cause citywide water logging issues,
making commutes problematic.

Due to such difficulties, safe driving may not always guarantee protection from accidents. Therefore, it is
better to stay prepared for unexpected financial challenges arising from unpredictable mishaps with the
insurance of a four-wheeler.