Tata Aig Car Insurance FAQs
- CASHLESS GARAGES 7,500
- CLAIMS SETTLED 91.80%
- Covers Third Party Person
- Covers Third Party Property
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TATA AIG Car Insurance Policy – Does It Offer Direct Settlement Benefit on Car Insurance Policy?
If you are a TATA AIG policyholder, you can easily avail the benefits of direct settlement when the vehicle is repaired at an authorized garage, workshop or dealer station.
How do I pay to renew my car insurance policy with TATA AIG?
Renewing your car insurance policy with TATA AIG is simpler than you think. Primarily, there are three steps involved.
- Online using debit card, credit card or net banking.
- Proceed with payment through IVR.
- Cheque collection.
In TATA AIG, will a personal belonging rider cover cash?
Unfortunately, personal belongings do not cover items like cash and cheques.
My TATA AIG car insurance policy has expired – How do I renew it without any delay?
If your car insurance policy has lapsed, renewing it without getting an inspection done is not possible. Without any ado, make sure you place your request for inspection and renewal by calling on their toll-free number. This must be done within 90 days from the date on which the policy has expired.
Can I request for a change in the IDV of my vehicle insured by TATA AIG?
Of course you can! Just call on their toll-free number 1800-266-7780 and place your request. Do keep in mind that insured declared value of the vehicle can be altered according to the terms and conditions of the company and only during the time of renewal.
How long should I wait for a claim settlement?
To proceed with claims in TATA AIG, you must either intimate the company by calling on their toll-free number 1800-266-7780 or SMS ‘CLAIMS’ to 5616181. You might as well receive a call back in an hour.
- TATA AIG fixes a tenure of 7 working days to wrap up the claim settlement process.
- Please note that all documents must be furnished beforehand.
I have decided to buy a TATA AIG insurance policy for my car. What are the add-ons I can expect to choose from?
TATA AIG bring a whole list of add-ons to pick from. Here’s some:
- Emergency Road Assistance
- Key Replacement
- Consumable Expenses
- NCB Protection
- Tyre Cover
- Hire Car Cover or Courtesy
- Emergency Hotel and Commutation Expenses
- Engine Secure and others.
Can I avail a No-Claim Bonus with TATA AIG Car Insurance?
If you are successful at maintaining a claim-free driving record for a good year, you can certainly avail a No-Claim bonus under any TATA AIG insurance plan.
My car is subjected to depreciation. Can I still get a reimbursement for depreciation of my insured car?
Opting for a basic comprehensive car insurance from TATA AIG will not help in getting reimbursements for depreciation of your car or its parts. However, if you top-up your policy with zero-depreciation, also known as nil-depreciation, TATA AIG does offer a payout, close to 100% of a claim amount.
Do my TATA AIG policy cover liabilities and damages caused to a third party?
With a TATA AIG car insurance policy in hand, all your third party liabilities and damages are covered.
Can I get my car repaired and later inform my insurance company about the accident?
No, it is important to inform your respective car insurance company before getting the car repaired after the accident. Moreover, ensure that you inform the insurance company as early as possible in order to avoid your claim getting rejected at the later stage.
What are the benefits of availing TATA AIG cashless garage services?
As a policyholder, you will receive the benefits of TATA AIG Cashless garage services as follows:
- You are not required to pay any upfront payment.
- You get to enjoy a swift, simple and hassle-free claim settlement process.
- There is no hefty paperwork involved.
How many network garages are there under TATA AIG General Insurance company?
There are around 1443 listed cashless garages under TATA AIG general insurance company in India.
What are TATA AIG Cashless Garages?TATA AIG has tied up with multiple garages that are well equipped and specialized to offer all the policyholders with car repair solutions at a single place. For the repair services at any of the listed garages, a policyholder is not required to pay for repair services ( except for the deductibles) as the entire bill will get directly settled by the insurance company.
Why is it important to inform the insurance company prior to getting your car repaired?It is important to inform the insurance company immediately after the accident so that they can analyze the extent of damage or loss caused to the car and the repair needed by the vehicle alongside the coverage offered as per the policy.
How many times can I make a claim during the policy period?
You can make any number of claims cumulatively not exceeding 75% of the IDV value. However, claim against a zero depreciation can be made only twice.
How long is the policy period?
A policy period is generally of 1 year. However, you can opt for longer policy periods as well with 3 years, 5 years, etc.
What are compulsory and voluntary deductibles?
A deductible refers to the policyholder’s monetary liability at the time of a claim. There are 2 types of deductibles - compulsory and voluntary. As the names suggest, a compulsory deductible is mandatory in nature whereas a voluntary deductible is optional.
Should I produce a copy of an F.I.R at the time of registering a claim?
Yes, you will have to provide a copy of an F.I.R in case of bodily injury and theft for claiming your insurance.
Will I have to carry my driving licence to claim car insurance?
Yes, you need to carry your driving licence while claiming Tata AIG car insurance. You should make sure that the driving licence is valid.
Why should I choose TATA AIG third party insurance policy?
The TATA AIG third party insurance policy is an ideal choice because of the following reasons:
- Impressive claim settlement ratio of 97%.
- Quick and hassle-free renewal process
What are the documents required for buying TATA AIG third party policy?
The following documents and details are required for buying the TATA AIG third party auto insurance policy:
- Copy of vehicle’s Registration Certificate (RC)
- Previous Auto Insurance Policy Number (if any)
- Your contact details (phone no., email id and residential address)
- Nominee details
How to buy TATA AIG third party car insurance online?
You can visit our website by clicking here and compare the TATA AIG third party insurance against other third party auto insurance policies available in the country.
How much GST is charged on the purchase of an car insurance policy?
A GST (Goods & Services Tax) of 18% is applicable on the purchase of a car insurance policy.
Can I opt for add-ons with the TATA AIG third party policy?
No, the add-ons are available only with the TATA AIG comprehensive car insurance policy.
How to know if I should opt for a zero depreciation add-on?
The zero depreciation add-on is an apt option in the following cases:
- Inexperienced/new drivers
- luxurious cars
- New cars
Is Zero Depreciation add-on same as Nil Depreciation add-on?
Yes, the zero depreciation is also known as nil depreciation.
Does a comprehensive auto insurance policy comes with the zero depreciation add-on?
No, the zero depreciation add-on is not a part of the comprehensive auto insurance policy. You need to opt for it separately.
Can I opt for zero depreciation cover with a third party insurance policy?
No. Insurers do not provide any add-on with third party auto insurance policy. If you wish to opt for zero depreciation or any other add-on, you need to purchase a comprehensive auto insurance policy.
Can I add the Zero Depreciation cover to my policy online?
Yes, you can add the Zero Depreciation add-on cover to your policy online at the official website of Tata AIG car insurance. You can add this cover to a new policy or to an existing car insurance policy.
Why should I choose TATA AIG comprehensive car insurance policy?
The TATA AIG comprehensive car insurance policy is an ideal policy due to the following reasons:
- An impressive claim settlement ratio of 97%.
- Quick and hassle-free policy renewals
What is the premium amount for TATA AIG comprehensive policy?
The premium amount depends on a number of factors such as MMV (Make, Model, Variant), IDV (Insured Declared Value), year of registration of the vehicle, RTO location, etc. You can visit our website by clicking here and know the premium amount for your vehicle.
What are the documents required for buying TATA AIG comprehensive policy?
The following documents and details are required for buying the TATA AIG comprehensive car insurance policy:
- Copy of vehicle’s Registration Certificate (RC)
- Place of vehicle’s usage
- Previous Car Insurance Policy Number (if any)
- Your contact details (phone no., email id and residential address)
- Nominee details
How can I check the status of the policy after I have made the purchase?
After buying the Tata AIG comprehensive insurance plan, you get a registered username from the insurance company with which you can get the policy status by logging in using the username and password on the insurer’s official website.
How can I contact Tata AIG Company immediately after an accident?
You can get in touch with Tata AIG immediately after an accident by calling at 1800-266-7780. However, you can also visit the nearest branch of the insurer.
In what time does a policy gets renewed?
TATA AIG generally processes online renewal requests in 3 days and offline (via Call/SMS) renewal requests instantly.
Can I change my insurer during renewal?
Yes, the policyholder has the choice to renew the policy with either the existing insurer or a new insurer.
Can I opt for new add-ons or modify existing add-ons at the time of policy renewal?
Yes, at the time of policy renewal you can modify existing add-ons as well as opt for new add-ons.
What happens to the status of the insurance policy when I purchase a second-hand car?
When you purchase a second-hand car, the ownership of the vehicle gets transferred from the old owner to you. Thus, the policy issued against the vehicle (taken by the old owner) becomes null and void due to the change in the ownership of the vehicle.
What happens to NCB if I renew my policy before its expiry and make a claim after the renewal?
In such a scenario, the NCB benefit availed by you is recoverable by the insurer. The insurer may also ask for an inspection of the vehicle.
Is an inspection required if I opt for a zero depreciation cover at the time of renewal?
Yes, an inspection of the vehicle is mandatory if you opt for a zero depreciation cover at the time of renewal.
What factors determine the amount of premium of a car insurance policy?
There are numerous factors which impact the amount of premium of a car insurance policy such as Add-on Options, Insured Declared Value (IDV), Anti-theft Devices, No Claim Bonus (NCB), Year of Registration, etc.
How do car insurance premium calculators benefit me?
The car insurance premium calculator will help you get an accurate premium amount for car insurance plans and IDV of your car offered by different insurers in the market, which will enable you to choose an economical policy and make prudent decisions about car insurance.
What type of details are needed to be entered in the car insurance premium calculator?
You need to enter details such as make, model and variant of the car, fuel type of the car, RTO location of the car, engine capacity of the car, registration year of the car, etc., on the premium calculator to get the premium amounts provided by different insurance providers.
Can I use the premium calculator to compute premium for my old car?
Yes, the premium calculator can be used to get the premium for new as well as old cars.
Where can I find the best premium calculator to calculate the premium for my plan?
You can get the best premium calculator to get the premium and IDV for your policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.
How many add-on covers are offered by the Tata AIG car insurance plans?
The Tata AIG car insurance policies are available with 13 car insurance add-on covers that include Nil Depreciation Cover, Daily Allowance Cover, Return to Invoice Cover, No Claim Bonus Protection Cover, Loss of Personal Belongings Cover, Repair of Glass, Fibre, Plastic & Rubber Parts Cover, Emergency Transport & Hotel Expenses Cover, Key Replacement Cover, Hire Car Cover, Engine Secure Cover, Tyre Secure Cover, Consumable Expenses, and Roadside Assistance Cover.
Will I have to pay for an extra premium cost to avail add-on covers?
Yes, you can opt for add-on covers only by paying an additional premium amount in addition to the regular amount of premium for the base insurance policy.
Is it mandatory to add an add-on cover in my car insurance policy?
No, it is not compulsory to include an add-on cover in your car insurance plan. The add-on covers are available as an option to increase the coverage of your insurance policy by offering extended benefits.
When can I purchase add-on covers in my Tata AIG car insurance plan?
You can opt for the add-on covers in your car insurance policy either at the time of policy purchase or during the policy renewal time.
How many add-on covers I can include in my policy at a time?
There is no limit to buy add-on covers. You can include as many add-on covers as you want in your car insurance policy on the basis of your needs and budget.
How can I get a duplicate copy of my TATA AIG car insurance policy?
If by any chance, a policyholder has lost or misplaced their car insurance policy document, then they can call TATA AIG customer care helpline number at 1800 266 7780 and request them to send a duplicate insurance plan copy.
How can I download the TATA AIG Car insurance plan using the policy number?
To download the plan using policy number, go to the official website of TATA AIG and choose the ‘Self Service’ link. Enter your phone number and email ID to sign in and also submit your car insurance policy number. Then, generate a request for a car insurance policy document. Upon receiving your request, the insurance company will send the document to your registered email ID. From thereon, you can easily download the policy document or take a print out of the same.
How can I make changes to my TATA AIG car insurance plan document?
You can make changes to the TATA AIG car insurance plan document by contacting the customer care executive of the TATA AIG insurance company. To reach out to them, simply call on 1800-266-7780(Toll-Free Number).
How to download the TATA AIG policy document online?
To download the policy, visit the official website of TATA AIG and go to the car insurance page and select the buy option. You can choose the policy based upon the features offered and your budget, and buy using any of the available options such as net banking, credit card or debit card. Afterwards, you will receive a notification about your policy being sent to your registered email id and from there you can directly download your insurance policy.
What do you mean by policy document?
A policy document is an insurance proposal form that contains details related to the insurance plan including inclusions, exclusions, coverage offered and other necessary information. This document basically acts as a legal contract between the policy buyer and the concerned insurance company.
What is TATA AIG Own Damage insurance?
With the help of an own damage insurance cover, a policyholder can remain protected against the damage or loss caused to their own car, incurred because of any kind of mishap, theft or accident.
Is purchasing an own damage insurance plan mandated by law?
No, buying an own damage cover for your car is not mandatory, however, it is suggested to own OD cover for the safety of your own car. According to the Indian Motor Tariff Act, a standard third party liability insurance is mandatory for all the cars running on public roads in India. Moreover, you can opt for a comprehensive insurance plan to ensure protection against both third party liability and own damages, under a single insurance plan.
What are the different kinds of motor insurance plans available?
As a policy proposer, you can choose mainly amongst three different kinds of motor insurance plans i.e. Comprehensive motor insurance plan, third party motor insurance plan, and own damages motor insurance plan.
How is the premium calculated for TATA AIG Own damage car insurance policy?
The premium for TATA AIG Own damage car insurance policy is calculated by taking various factors into account such as car age, car make, vehicle type, engine cc, geographical zone, etc.
How is Own damage insurance different from third party liability insurance?
While, the own damage insurance plan offers a safety net to the policyholder against the damages to their own vehicle incurred due to any accident, natural calamity, theft or any other mishap. On the other hand, a third party liability insurance safeguards the policyholder against third party property or third party individuals.
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Must Read Articles before buying Tata Aig Car Insurance
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- Read this article to know about the important features and benefits of purchasing car insurance with TATA AIG General Insurance.
- Read this article to know some points that you should consider before purchasing a Tata AIG car insurance policy.
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