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TATA AIG Standalone Own-Damage Car Insurance Policy

It is advisable to purchase standalone own-damage insurance along with your compulsory third party insurance. TATA AIG offers standalone own-damage car insurance which will take care of own-damage costs in a wide range of situations including fires, cases of vandalism, theft, road accidents, natural and manmade calamities. Moreover, it provides a layer of protection for the policyholder by offering them a sense of financial stability in crisis situations.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

Basis

TATA AIG Third Party Insurance

TATA AIG Standalone Own-Damage

TATA AIG

Comprehensive Insurance

Coverage

A third party cover will take care of third party liabilities which include bodily injuries, death and property damage. Having at least third party insurance is compulsory.

Standalone own-damage covers are not compulsory. However, they provide compensation for own-damage costs in several types of situations and can make a big difference at the time of a mishap.

Comprehensive insurance plans offer coverage for both own-damage covers and third party liabilities under a single premium, making it the simplest and most convenient way to have your car insured. Moreover, it also offers an optional personal accident cover.

Add-ons

Add-on covers are not offered with third party car insurance.

Several add-on covers are offered with standalone own damage covers at an additional cost.

Many add-on covers are available for purchase along with a comprehensive insurance plan for an additional premium.

Cost

Third party insurance is the least costly car insurance available as it offers the most basic and compulsory coverage.

Standalone own-damage insurance is costlier than third party insurance as it offers better coverage.

Comprehensive insurance is the most expensive option but it offers holistic coverage for both own-damage and third party liabilities under a single premium.

What is Covered Under TATA AIG Standalone Own-Damage Policy?

TATA AIG standalone own-damage insurance provides coverage for the following:

  • Fires or explosions which cause damage to the car.
  • Damage caused by road accidents.
  • If the car is stolen and cannot be traced.
  • Damages due to a natural or manmade disaster.

What is Not Covered Under TATA AIG Standalone Own-Damage Policy?

TATA AIG standalone own-damage insurance does not provide coverage for the following:

  • If the car breaks down due to mechanical or electrical failures.
  • If a mishap occurs due to a case of illegal driving.
  • General wear and tear of the car.
  • If an unfortunate event occurs outside the borders of India.

Benefits of TATA AIG Standalone Own-Damage Policy

Following are the benefits of purchasing a TATA AIG Standalone own-damage policy:

  • It offers a layer of protection for the owner-driver and the car from the uncertainties of the road.
  • Insurance providers offer No Claim Bonus for every claim-free year with own-damage covers.
  • Insurance holders can purchase add-on covers with their own-damage covers to further enhance the policy’s coverage.

How To Purchase TATA AIG Standalone Own-Damage Policy?

Following are the steps to purchase a TATA AIG standalone own-damage policy:

Step 1: Visit the website InsuranceDekho and select the ‘car insurance’ insurance tab located on the top left corner of the page. Next, a drop-down menu will appear from which select the ‘Standalone Own Damage’ option.

Step 2: Provide your car’s registration number in the given section. If you do not have this information with you enter your car’s make, model and year of registration.

Step 3: Enter your personal details, i.e., name and phone number and press the ‘Submit and Get Quotes’ button.

Step 4: All the standalone own-damage covers in your category will be visible on the screen. Select the one offered by TATA AIG. You can also select any add-on covers you would like to purchase at this point.

Step 5: Pay for the TATA AIG standalone own damage policy you have selected and the insurance document will be sent to your registered email ID.

Explore Tata Aig Car Insurance

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TATA AIG Car Insurance User Reviews

4.8
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475 User reviews
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  • Broken Window Repair

    While my car was parked in authorised parking, someone broke the window in an attempt to steal my bag from the car. Thankfully he could not steal my bag, and my window was replaced at a TATA AIG cashless garage in less than a couple of days. The quality of the window is impressive, the garage used an original piece to replace my window. Thanks to InsuranceDekho for suggesting TATA AIG based on their quick services.

    Read More

    M
    By Maya Manchanda
    On: July 1, 2024
  • NCB Benefits

    I had TATA AIG car insurance for four years and was considering discontinuing it as I never took a claim. But then the NCB discount tempted me to continue and made me choose safety over risk. InsuranceDekho was the reason why I chose TATA AIG so kudos to the team as my car is insured for another year!

    Read More

    S
    By Shivenendra Theratipally
    On: June 25, 2024
  • Responsive customer care

    I was struggling to endorse my policy as I was transferred to a different city, then I contacted the grievance redressal who helped me very effectively and I got my new policy documents in a few days following that. It was very helpful as I was caught up with many other things as well. Glad that I took assistance from InsuranceDekho in the process as well as choosing TATA AIG.

    Read More

    R
    By Rupali Sharma
    On: June 25, 2024
  • Roadside assistance

    I was stuck on the highway when my car stopped working and smoke came from the engine. I was worried but my roadside assistance add-on from TATA AIG saved my day. In about 30 minutes they sent help and towed my car to the nearest garage as well. My car was repaired at a cashless garage and it did not take much long as well. Really amazing service, thanks to InsuranceDekho for suggesting TATA AIG.

    Read More

    S
    By Shanti Jha
    On: June 24, 2024
  • Reimbursement process

    I am very fond of TATA AIG Car insurance. I got my claim last week through the reimbursement process and it was very smooth. I got my car repaired at my personally trusted garage and got the reimbursement from the insurer without any trouble. Thanks to InsuranceDekho for suggesting TATA AIG.

    Read More

    S
    By Shayra Sharma
    On: June 20, 2024
  • Great Home visit assistance

    I had never taken own damage insurance but recently I got myself a new SUV. The thought of any damage happening to it would not let me sleep. So I compared all insurer quotes on InsuranceDekho and chose to get home assistance. A very kind relationship manager paid a visit to my home and took me through the whole process. He gave me a feeling that this was a good decision and suggested continuing with TATA AIG due to the relatively low premium and extra services. I have been sleeping better since then :)

    Read More

    A
    By Anjani Nikam
    On: June 10, 2024
  • Awesome Buying Experience

    Good experience while purchasing two-wheeler third-party insurance on the insurance dekho portal. All most all insurers are available.

    Read More

    V
    By Vinit Bansal
    On: March 2, 2024
  • Customer-Centric Approach to T...

    InsuranceDekho's customer-centric approach extends to their Third-Party Car Insurance for my Chevrolet car. The Tata AIG Car Insurance Policy ensures that you understand the legal requirements and make the process hassle-free.

    Read More

    By Vibhas Mahendru
    On: October 18, 2023
  • Convenient Payment Settlement

    Settling payments after repairs at a cashless garage with InsuranceDekho’s Tata AIG Car Insurance Policy is convenient for my Honda car. It's one less thing to worry about during a challenging situation.

    Read More

    B
    By Brahmjot Singh
    On: October 16, 2023
  • Efficient Repairs and Assistan...

    In the unfortunate event of an accident of my Ford car, I knew that InsuranceDekho's comprehensive coverage will ensure efficient repairs and assistance. The Tata AIG Car Insurance Policy is a comforting safety net.

    Read More

    By Nisar Ahmed
    On: October 12, 2023
Tata Aig Reviews

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Tata AIG Car Insurance Own-Damage FAQs

  • 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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