Comprehensive Car Insurance

Comprehensive insurance (full coverage) is the ultimate shield, safeguarding your precious vehicle from life's uncertainties. It stands against the onslaught of unforeseen events caused by theft, fire, floods, burglary, earthquakes, and more, protecting you from potential financial losses.

Comprehensive insurance goes beyond just covering your vehicle. It also extends its benevolence to others, providing coverage for third-party liabilities. Whether it's bodily injury, disability, or property damage caused to a third party, you can rest assured that your comprehensive policy covers you.

And that's not all!

Comprehensive vehicle insurance embraces you as the owner-driver too. In the unfortunate event of an accident, it offers personal accident cover, providing financial support to you or your family in case of injury or death. It's like having a guardian angel watching over you as you navigate life's roads.

With comprehensive insurance, you can also add enticing add-ons to your policy, tailoring it to suit your unique needs and preferences. Opting for the right add-ons will enhance your comprehensive car insurance coverage.

Here's why you should purchase comprehensive insurance for your four-wheeler:

Safeguard Against Third-Party Liabilities

One of the primary reasons to opt for comprehensive car insurance is its coverage for third-party liabilities. In the unfortunate event of an accident caused by you, the policy will take care of the financial obligations arising from bodily injuries, disabilities, or property damages suffered by others involved in the accident. It means you can drive confidently, knowing you are protected from potential legal and financial repercussions.

Protection for Your Car

Comprehensive car insurance protects your beloved vehicle from various perils. Whether it's damages caused by theft, fire, burglary, earthquakes, or even floods, your policy is a robust fortress, ensuring your car remains safe and sound. Whatever nature throws your way, your cherished possession remains shielded from potential financial losses.

Personal Accident Cover

Comprehensive insurance cares for your car and you as the owner-driver. In the unfortunate event of an accident, the policy offers personal accident cover, providing financial support to you or your family in case of injury or death. This added layer of protection provides mental satisfaction, knowing that you and your loved ones are well-taken care of, no matter what happens on the road.

Complete Peace of Mind

Embracing comprehensive car insurance brings a sense of security and tranquillity to your car ownership experience. With all-around protection, you can bid farewell to worries about unexpected expenses and uncertainties that may arise while driving. Instead, you can focus on enjoying the freedom of the open road without the shadow of potential financial burdens looming over you.

Customisation with Attractive Add-ons

Comprehensive insurance offers the flexibility to customise your policy with various attractive add-ons. You can enhance the base coverage by opting for extras such as zero depreciation cover, no-claim bonus protection, emergency roadside assistance, and more. These add-ons cater to your unique needs and preferences, allowing you to create a personalised insurance plan that fits your lifestyle perfectly.

Have you ever found yourself pondering what lies within the folds of a car insurance policy? Have you ever been caught off guard by unexpected exclusions when filing a claim? Fret not, for we have embarked on a quest to unravel the mysteries for you.

We have compiled a comprehensive list of major inclusions and exclusions for our car policy online and offline to help you understand the extent of coverage and limitations offered.

When choosing between comprehensive and third-party car insurance for your four-wheeler, consider the following points to make an informed decision:

Tata AIG offers a comprehensive set of 12 add-on benefits that you can include in your car insurance policy to enhance coverage and address specific needs**

The following are some popular ones:

Zero Depreciation This add-on covers the depreciation cost deducted from your car's parts during claims, excluding the first two claims from the depreciation deduction.

No Claim Bonus Protection With this add-on, you can file a fixed number of claims in a policy year without affecting your accumulated No Claim Bonus discount.

Roadside Assistance Provides help in case of a car breakdown in sparsely populated areas by arranging fuel supply, towing, or repairs.

Return to Invoice This covers the difference between the car's purchase price and compensation due to depreciation and may cover the gap for a new car of the same make and model.

Repair of Glass Fiber and Plastic Parts Covers damages to glass, fibre, and plastic parts without affecting the No Claim Bonus discount, with one claim allowed per policy year.

Daily Allowance Provides compensation for travel expenses when your car is under repair for an extended period.

Emergency Transport and Hotel Expenses Offers financial support for overnight accommodation and commuting expenses if your car is damaged during a journey.

Key Replacement Covers replacement costs for lost car keys to prevent potential car theft.

Engine Secure Covers repair or replacement costs for the engine if damaged by water, ideal for flood-prone areas.

Tyre Secure Covers financial damages to car tires or tubes due to accidental damage.

Consumable Expenses Covers the cost of replenishing consumables like gearbox oil, nuts & bolts, oil filter, etc., during claims.

Loss of Personal Belongings Covers the loss of personal belongings such as CDs, audio and video tapes, and clothes in case of an accident. Remember that certain exclusions may apply to specific add-ons, and coverage for personal belongings like money, watches, jewellery, and credit/debit cards is not included.

A comprehensive car insurance policy, although highly recommended for a new car, is equally essential for an old car if you are still using it regularly or even once in a while. It will protect you against unforeseen circumstances leading to severe damage to your car, incurring excessive repair costs.

Furthermore, a comprehensive car insurance plan helps you maintain your car to the best standards and fetch you a reasonable resale value if you are planning to sell it at a later date.

However, when you purchase comprehensive car insurance coverage, you must consider the age of your car and the number of years you are planning to use it further to decide on the optimum coverage. As the market value gets lower with age, you can benefit from purchasing full coverage car insurance for your vehicle at a lower rate.

In this subsection, we will delve into the essential factors that insurance providers consider when determining the cost of your comprehensive car insurance. By grasping these factors, you can gain insights into the pricing structure and potentially optimise your coverage while keeping the premiums within your budget.

Here are the key elements that shape your comprehensive car insurance premium.

Make, Model, and Variant of the Car The cost of the car, determined by its make, model, and fuel variant, significantly impacts the insurance premium. Expensive or premium cars tend to have higher premiums than more affordable models.

Registration Date and Location The car's age, represented by the registration date, affects its value due to depreciation. Older cars generally have lower premiums. Additionally, the city of registration plays a role, with urban areas having higher premiums due to increased risks and repair costs.

Insured Declared Value (IDV) The IDV is the maximum claim amount for theft or total loss, calculated by deducting age-based depreciation from the car's actual cost. Higher IDV leads to higher premiums for comprehensive policies.

Add-ons Selected Add-ons provide additional coverage benefits, but each comes with an additional premium. Including add-ons in the policy increases the overall premium.

Available No Claim Bonus (NCB) Accumulated NCB allows policyholders to claim premium discounts when renewing their comprehensive car insurance policy, rewarding them for claim-free years.

Driving Record and Claim History A clean driving record and claim history reflect lower risk, leading to potential premium discounts. Conversely, a history of multiple claims may result in higher premiums.

By understanding these factors, car owners can make informed decisions while choosing the right comprehensive car insurance policy that suits their needs and budget.

Calculating the premium for a comprehensive car insurance policy may seem daunting, but fear not - Tata AIG is here to make it a breeze! By breaking it down into manageable steps, we ensure you understand the components of the calculation.

Determine the Insured Declared Value (IDV) To begin, calculate the IDV of your car by considering the list price and the cost of accessories. Once depreciation for both the vehicle and its accessories is deducted, the IDV is derived.

Assess No Claim Bonus (NCB) and Other Discounts Refer to the NCB table to determine the NCB discount applicable to the Own Damage component. Additionally, consider any insurer-declared discounts applicable to the car insurance renewal premium.

Calculate Own Damage Premium Using the formula [Insured Declared Value * Insurer’s Premium Tariff] + [Add-ons] - [NCB discount], calculate the Own Damage premium for your car insurance policy.

Determine Third-Party Cover Tata AIG's third-party car insurance cover is calculated based on your car's cubic capacity, per the Insurance Regulatory and Development Authority of India (IRDAI) rates. Check the prevailing rates for your engine's cubic capacity.

Evaluate the Total Cost of Add-ons The add-ons you select will contribute to the policy premium. Determine the cost of each add-on or the total cost of all the add-ons combined.

To sum it up, the comprehensive car insurance premium is calculated as follows**

Complicated? Not with Tata AIG!

We provide an online car insurance premium calculator that simplifies the process. You can calculate your car insurance premiums hassle-free with simple steps:

• Enter your Car Registration Number.

• Click on 'Get Price' for a new policy or 'Renew' for the Tata AIG car insurance renewal premium calculator.

• Provide the required information, and with a click on 'Get Quote,' you'll have your car insurance cost at your fingertips.

At Tata AIG, we don't just offer comprehensive car insurance; we deliver peace of mind. Our comprehensive coverage and dedication to customer satisfaction set us apart as a trusted partner on your car ownership journey.

With us by your side, you can drive with confidence, knowing that your prized possession is protected under the vigilant care of Tata AIG.

Unbeatable Premium Offers Choosing Tata AIG's comprehensive car insurance policy has the added benefit of saving more on your insurance premium. We offer attractive discounts online, ensuring that protecting your car from potential damages doesn't weigh heavily on your pockets!

Extensive Cashless Network Garages With a vast network of over 7500 garages spread across the country, finding the nearest one to your location becomes a breeze. Rest assured, if your car needs repairs, we'll pay the payment settlement directly with the network garage, making the process hassle-free.

Roadside Assistance Cover We understand the inconvenience of a car breakdown, so our Roadside Assistance Cover comes to your rescue. Offering on-spot repairs and towing facilities to the nearest network garage, we ensure you get back on the road quickly. Just call our Roadside Assistance number at 1800 266 7780.

Happy Customers Count Our commitment to delivering quality services has earned us a content customer base of over five crores. We strive to maintain the same level of service excellence, ensuring our customers' satisfaction remains at the forefront of everything we do.

Streamlined Claim Intimation Filing a comprehensive four-wheeler insurance claim is easy with our simple claim intimation process. We've designed it to be quick and user-friendly, so you can settle your claim online in just a few easy steps, giving your car the protection it deserves.

High Claim Settlement Ratio Tata AIG boasts an impressive claim settlement ratio of 98% during FY 2020-21. It speaks volumes about our commitment to efficient and swift claim settlements. With our car insurance policy, we guide and support you throughout the claim settlement process, ensuring no delays.

Prepare to embrace the open road with unwavering confidence, for Tata AIG's comprehensive car insurance is your ultimate co-pilot on this thrilling voyage. As you set your sights on new horizons, let the wind carry you, knowing that you've chosen a partner committed to safeguarding your dreams with utmost dedication.

Embark on this exhilarating journey to secure your ideal policy, following these steps that make the process a seamless adventure

Prepare for Takeoff Open your internet browser and navigate to Tata AIG's official website. Once you've arrived at the website, steer straight to the Car Insurance section.

Personal Details Share your personal information, including your name, contact details, and address. These details are essential for processing your insurance application and generating personalised policy documents.

Car Details Unveil the unique characteristics of your beloved bike - its make, model, variant, manufacturing year, registration number, and other relevant details. By providing these insights, we can tailor the premium and coverage to suit your car's needs perfectly.

Review and Customise Your journey doesn't end with filling in the details; it's time to navigate the course of your policy. Review the policy details, coverage limits, deductibles, and premiums. Make necessary customisations based on your preferences, ensuring your chosen policy aligns perfectly with your requirements.

Smooth Payment The road to comprehensive coverage is paved with convenience. Proceed to the payment stage, where you can choose your preferred method. Whether through net banking, debit/credit cards, or digital wallets, paying for your chosen policy is a breeze.

Policy Issuance Like a cherished map, your car insurance policy documents will be carefully crafted and issued. These documents will be sent to your registered email address or made available for download on our website. Take a moment to review and save them, for they will be your trusted companions on this voyage.

Renewal Reminders Remember to keep track of your car policy's expiry date as you cruise through life's adventures. Set reminders to ensure timely renewal, and we will make the process effortless with easy online renewal options. By renewing before it lapses, you provide continuous coverage, ready to embrace the unknown confidently.

While a comprehensive car insurance policy is highly recommended for any individual seeking complete protection for their cars, it is essential for the following categories of people.

High-value car owners- A comprehensive car insurance policy offers extensive coverage, including damages due to accidents, thefts, and man-made or natural disasters. It will serve as a safety net to accommodate any unforeseen incidents.

New car owners- A new car is a highly-valued possession. If you want to maintain your car to the best standards, you must consider having comprehensive insurance as a backup for financial security. And with an add-on cover such as zero depreciation car insurance, it will ensure complete protection at any time.

People exploring different places- If you are a person who likes to travel and explore different places, you need to have a comprehensive car insurance policy. It will serve as a financial safeguard to enjoy your travel experiences. You can compare and choose the best comprehensive car insurance in India at an affordable rate.

People residing in metropolitan cities- If you are residing in a metropolitan city such as Chennai, Delhi, Mumbai, etc., you are bound to face heavy traffic almost every day. It can lead to minor accidents that can cost you a great deal of money.

People residing in accident-prone zones- If you are commuting through accident-prone zones or reside in such places, you need to seek complete protection for your car, irrespective of the comprehensive car insurance cost. It will protect you against any unprecedented events that are highly probable to occur.

**Beginners to driving **- If you have just started driving, you might find it challenging to drive in localities that may not be familiar to you or park your car in a restricted space. In such cases, if you happen to cause an accident, comprehensive car insurance will be a financial shield protecting you from excessive expenses.

Car enthusiasts- If you are a car enthusiast concerned about every single dent or scratch on your car and want to preserve it to the best quality, as always, comprehensive car insurance is undoubtedly ideal.

Tata AIG comprehensive car insurance offers extensive coverage with various add-on options that can let you customise the car insurance policy to your advantage. You can customise it at the time of purchase or car insurance renewal online or offline.

“I've been a proud Tata AIG comprehensive car insurance customer for the past five years, and I can't emphasise enough how satisfied I'm with their services. Last year, my car was involved in a minor accident, and I was worried about the claim process. But to my delight, Tata AIG's team was extremely prompt and helpful. From guiding me through the claim intimation process to arranging for the car's repairs at a nearby network garage, they ensured a seamless experience. I highly recommend Tata AIG for its outstanding service and comprehensive coverage.”

~ Rajesh Sharma

“Recently, I faced a situation where my car was stolen, and I was devastated. However, my worries soon faded when I remembered I had Tata AIG comprehensive car insurance. The claims process was no-fuss; the customer support team was empathetic and proactive in assisting me throughout the ordeal. Tata AIG promptly settled the claim. Tata AIG has earned my trust, and I will continue to be a loyal customer for years to come."

~ Sneha Patel

“I can't thank Tata AIG enough for the peace of mind they have brought into my life as a car owner. With their comprehensive car insurance, I no longer worry about unexpected expenses in case of accidents or damages to my car. Last year, during heavy rains, my car was damaged due to flooding. I was relieved that I was covered under my Tata AIG policy. The claims process was swift, and their team ensured that my car was repaired at a network garage without any hassle. I highly recommend them to anyone seeking comprehensive car insurance.”

~ Priya Malik