TATA AIG Comprehensive Car Insurance

TATA AIG Car Insurance

Third Party Car Insurance

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Starting Premium

₹ 3775/Yr

No. of Branches

213+

Cashless Garages

5,400+

TATA AIG Comprehensive Car Insurance Overview

There are types of TATA AIG Comprehensive plans

Comprehensive package policy - this policy has dual coverage benefits. It covers the third party financial liability as well as the damages suffered by the car itself.

TATA AIG Claim Settlement Ratio

90%

TATA AIG

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. TATA AIG has a claim settlement ratio of 90%, as compared to the industry average of 94.67%.

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Add-ons Available Under TATA AIG Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. TATA AIG Car insurance plans offer the following types of add-ons with the comprehensive policy:

Under this add-on, the depreciation* deducted from the cost of the parts repaired or replaced is reimbursed by the insurance company. Thus, through this add-on, no depreciation is deducted from the claim and a high claim amount is paid

In the case of a total loss of the car or theft, the Insured Declared Value (IDV) of the policy is paid as a claim. This value is lower than the actual cost of the car. If the add-on is selected, the invoice value of the car is paid in case of total loss or theft.

Under this add-on, a daily cash benefit is paid for your commute if the vehicle is in repairs for more than three days

If, after an accident, the vehicle cannot be used, the add-on covers the costs incurred in arranging for transportation back to your home. If you are far from home, the cost of hotel accommodation is also covered if you need to stay at a hotel overnight

If your vehicle meets with an accident or breaks down in the middle of the road, this add-on provides you with 24*7 assistance in the form of a flat tyre, jump-starting of car’s battery, spare key, refuelling, etc.

If the vehicle has suffered an accident for which it is under repairs or in case of total loss or theft, the add-on provides a replacement car for your conveyance needs

NCB is earned if you don’t make a claim in the policy. This bonus increases after every claim-free year and gives you a premium discount. A claim, however, nullifies the accumulated NCB. This add-on protects the accumulated NCB even after a claim

If, in case of damage suffered by the car, repairs are required only for the glass, fibre, plastic or rubber parts, the add-on protects the accumulated NCB

The add-on covers the cost of replacement keys if your vehicle’s keys are stolen or lost

If you or your family’s personal belongings are lost while they were in the car, the add-on would cover the cost of such loss if it is more than INR 250

The cost of consumables used in the repairs of the car is covered under this add-on. Consumables include lubricants, oil, screw, nuts and bolts, etc.

Under this add-on, the damages suffered by the tyre are covered if there is no other loss suffered by the car

If the engine and its internal parts are damaged due to water seepage, the add-on covers the cost of repairs

"It is mandatory for the policyholder to have a personal accident cover in his/her name. This cover is taken to cover accidental death or disablements. So, when you buy a third party or comprehensive TATA car insurance policy, you should opt for a personal accident cover with the plan as well. However, if you already have a personal accident cover in your life, you don’t have to buy it again with your car insurance policy. * Accidental death, total and permanent disablement due to an accident, and total and partial disablement due to an accident would be covered *The sum insured of the personal accident cover would be INR 15 lakhs * 100% of the sum insured would be paid in the case of death and total permanent disablement. In the case of total partial disablement, a percentage of the sum insured would be paid. * The premium for the policy is very low * You can either opt for the personal accident cover from the same company or from another company *If you want the personal accident cover for other passengers of the car, you would have to opt for an add-on and pay an additional premium for the same."

How To Raise A Claim Under TATA AIG Comprehensive Car Insurance

Claims under TATA AIG’s car insurance plans occur in the following instances

Third-party claim:

If you hurt a third party or damage third party property

Inform the insurance company immediately after a claim occurs
File a police FIR which is a must
The claim would be taken to the motor accidents tribunal where the liability would be determined
Once the tribunal orders the liability to be paid, the insurance company would pay the liability and settle your claim

Own Damage Car Claim:

If your car is damaged and needs repairs:

Inform the insurance company immediately after a claim occurs
The company would tell you about the nearest garage which is tied up with it. You would have to take your vehicle to the specified garage for repairs. You can also choose any other tied up garage for cashless claims. If, however, you choose a non-networked garage, claims would be settled on a reimbursement basis
At the preferred garage, the insurer’s surveyor would survey the damage and assess the repair cost
The surveyor would prepare a claim report and file it with the insurance company
The company would assess the claim report and approve the claim
Once the claim is approved, repairs would start
After the repairs are done the bill is settled by the insurance company.
You have to pay your share of the claim and take the delivery of the vehicle

Stolen Car:

If your car is stolen:

Inform the insurance company immediately after a claim occurs
File a police FIR which is necessary for theft claims
The police would try and locate the car. If they cannot do so, they would issue a non-traceable certificate for your car
This certificate should be submitted to the insurance company along with other relevant documents
The insurance company would then pay the Insured Declared Value of the car as a claim

Rather than following the above-mentioned steps, you can get your car insurance claims easily settled through Turtlemint’s help. For getting the claims settled through Turtlemint you simply have to inform Turtlemint through a phone call or an email. Calls can be made at Turtlemint’s toll-free number 1800 266 0101 and emails can be sent at claims@turtlemint.com. Once Turtlemint’s claim handling team is informed, they would coordinate your claim with the insurance company and help you in getting a quick settlement.

Documents Required For Claims

Documents required for car insurance claims
For making a valid claim on your car insurance policy, the following documents would have to be submitted to the insurer