Tata AIG General’s Private Car Insurance

What Is Covered under Tata AIG General’s Private Car Insurance Policy?

Tata AIG four-wheeler insurance policy offers you a wide coverage against multiple circumstances such as:

Damages caused to the car by an accident
Your car can suffer minor to major damages based on the severity of the accident. A comprehensive four-wheeler insurance policy and a standalone own damage cover will take care of the financial liabilities arising from the repairs necessitated by accident.

Theft of the Car
Under our comprehensive car insurance policy, we will reimburse you the Insured Declared Value (IDV) or the total market value of the car if your your car is stolen or there is total damage (damaged beyond repair) due to an accident.

Damages due to natural disasters
With a comprehensive car insurance policy or a standalone own damage cover, you will get financial protection against the damages caused by natural disasters like cyclones, flood, snowfall, frost, earthquakes, rainfall, etc.

Damages due to man-made calamities and fire
The own-damage cover or a comprehensive four-wheeler policy will offer coverage against the damages caused by riots, terrorist attacks, strikes, malicious man-made calamities, etc., along with the fire damages resulting from lightning, explosions, self-ignition and so on.

Damages incurred in transit
Sometimes you may need to move your car from one location to another through waterways, railways, roadways, airways, etc. The damages caused to the car during transit are covered under a comprehensive car insurance policy.

Third-Party Liability Cover
We cover 3rd party liabilities under our third-party car insurance as well as comprehensive car insurance policies. The bodily damages to a third party, death of a third party and damages to the third-party property caused by the insured four wheeler are covered under the third-party liability cover.

Personal Accident Cover for the Owner-Driver
Our comprehensive four-wheeler insurance plans offer Personal Accident Covers of ₹15 lakhs to the owner-drivers. This cover reimburses the emergency medical expenses for the injuries resulting from an accident as well as the cost of carrying the owner-driver to the hospital, such as the ambulance cost. If the owner-driver dies due to the accident, the appointed beneficiary will be paid the predetermined amount.

Tata AIG General’s 12 Car Insurance Add-ons

One can enhance your comprehensive car insurance cover by choosing from a list of 13 car insurance add-ons. Add-on covers are additional benefits you can add to your car insurance or four wheeler insurance to enhance the protection offered by your policy. Tata AIG offers 12 such add-ons that you can choose from:

No Claim Bonus Protection
The No Claim Bonus or NCB Protection cover enables the policyholder to file a certain number of car insurance claims during the policy year while retaining the NCB discount. This add-on is useful if you want to file a claim and also protect your NCB discount. However, there is a limit on the number of claims that can be raised with this add-on. The NCB Protection is available only with a comprehensive car insurance policy.

Zero Depreciation
When you file a claim for damages, zero depreciation or nil depreciation add-on enables you to be reimbursed for the deducted cost of depreciation on your car’s parts. Hence, you can receive the complete sum insured without the deduction of the depreciation. However, you can avail of this benefit only for the first two claims that are filed. This add on is only applicable for your own-damage car insurance policy or comprehensive car insurance policy.

Return to Invoice
When you file a claim for the total loss of your car due to theft or complete damage, this add-on helps cover the difference (due to depreciation) in the cost between the purchase price and the compensation amount. Also, if there is a new car of the same make and model in the market, we will reimburse the difference between the claim amount and the cost of the new model. We will also pay for the registration charges and the road tax you have spent on the car.

Roadside Assistance
The road-side assistance is an add on that provides round-the-clock breakdown assistance to your insured car and you if the car breaks down in a remote location with no aid nearby. Your insurance provider will send a team to refuel or tow or offer a mechanic’s services in an emergency when contacted.

Repair of Glass Fibre and Plastic Parts
This add on lets you have the damaged glass, fiber and plastic parts repaired from the garage and then raise a claim for the damages without affecting your No Claim Bonus discount. However, for each policy year, only one repair claim is allowed against your comprehensive four wheeler insurance policy.

Daily Allowance
If your car meets with an accident and has to stay in the garage for a long time, the Daily Allowance add-on provides you with an amount for your travels without your car. The amount is payable for 10-15 days, subject to the cause of the four-wheeler insurance claim.

Emergency Transport and Hotel Expenses
Should your car meet with an accident and you’re unable to reach your destination, this add-on pays your overnight accommodation expenses in a hotel and the travel charges to go back home or to the city closest to your destination.

Key Replacement
The key replacement add on covers the cost of replacing your lost car keys in case of the car’s or key’s theft.

Engine Secure
The Engine Secure cover is among the useful add-ons as it protects one of the most expensive parts of your car - the car’s engine. If you stay in a flood-prone area, this add-on helps you file a claim for repairing or replacing the engine without incurring an extra cost. The comprehensive four wheeler insurance policy does not cover your engine’s protection. This add-on is not effective for old car engines that have undergone extensive wear and tear.

Tyre Secure
With this add on, you can cover the repair or replacement of a damaged tyre or the tube. However, this add-on can only protect the financial losses in case of loss or damage to the tyres and tubes in an accident.

Consumables Expenses
With this add-on, we cover the cost of the consumables in your insured car that are lost and have to be replaced due to an accident. Consumables include air conditioner gas, engine oil, gearbox oil, nut & bolt, oil filter and so on. However, the cost of fuel cannot be covered with this add on.

Loss of Personal Belongings
In case of an accident, this add-on helps cover the loss or damage of personal belongings such as clothes, video tapes, audio tapes and CDs. The add on does not cover the loss or damage of belongings such as debit and credit cards, jewellery, money, watches, etc.

How To Reduce Tata AIG’s Car Insurance Premium?

The car insurance premium is one of the most important factors people consider when buying a policy. Owners-drivers are always looking out to get extensive coverage at affordable premiums. Here are a few tips that will help you reduce your car insurance premium with Tata AIG:

Additional Security Measures
If you choose to install additional security devices in your vehicles, such as parking sensors and anti-theft apparatus, you effectively reduce the risk associated with your vehicle. A reduced liability risk leads to lower premiums for your car insurance.

No-Claim Bonus
Drive carefully…When you renew your policy after a claim-free year, you get a discount on the premium you have to pay. This discount can go up to 50% for five consecutive claim-free years. However, even a single claim will reset the NCB back to zero. Avoid making claims against your policy for minor damages to keep your NCB from lapsing. Alternately you can also buy the NCB Protection Add-on.

Insured Declared Value
When you get a car insurance policy, the company runs an assessment to establish the highest claim value for your vehicle, known as the Insured Declared Value (IDV). However, you can reduce the vehicle’s IDV in exchange for a reduced cost of the premium. But remember that lower IDV entails a lower reimbursement in case of theft or total damage to the car.

Increase Voluntary Deductibles
A voluntary deductible is a choice by the policyholders to pay a proportion of the claim amount while the insurance company pays the rest. When you raise a claim, the insurer will deduct this amount and settle the difference. By opting for higher deductibles, you can substantially reduce the cost of your car insurance premium.

Steps to file a Claim with Tata AIG

Step 1	Register the Claim **	To register your claim online, you can proceed by Log in to Tata AIG website https://www.tataaig.com/claims-process ' Motor Claim'. Once you are redirected to the online claim form, you will need to furnish the following information Call Tata AIG at 1800-266-7780 Email Tata AIG at : customersupport@tataaig.com
Step 2	Get the Claim Intimation Number	After your claim is registered with Tata AIG, they will provide you with a Claim Registration Number. State this number in all your communication concerning the claim status and settlement.
Step 3	Inspection of the damages sustained	After you have filed a claim and submitted all the required documents, an inspector or surveyor will visit you/garage to assess the damages caused by the incident. Our experts will peruse your car insurance claim form when the assessment is complete and determine the quantum of damage sustained by your vehicle. Based on the surveyor's report, they will schedule your vehicle for a visit to either one of our 7500+ network garages or a non-network garage of your choice. If you choose a network garage, you can make a cashless claim and get your repairs done without the need to pay anything out of your pocket. If you cannot reach one of our network garages, you can take your vehicle to your trusted garage and pay for the repairs on your own. The cost of repairs borne by you at a non-network garage will be reimbursed against your car insurance cover
Step 4	Get your Car repaired	Depending on your location and preference, you can get your car repaired at a cashless network garage or a non-network garage.
Step 5	Claim Settlement	Once repair work to your vehicle has been completed, Tata AIG will move to settle the claim after a thorough inspection of your policy documents, add-on covers, additional discounts and claims history. Once all your car insurance claim related documents have been verified, we extend our settlement offer for the cost of repairs. For claims made at non-network garages, owners will be offered a settlement for reimbursements. If you wish to track the status of your claim after filing it, you can do so by visiting Tata AIG’s website and checking on the status by providing you Claim Reference number in the Claims Section.

** Documents to be furnished while registering a claims:

• Your car insurance policy number
• A few personal details, including your name, number and address
• License details, or the license details of the driver
• A few details regarding the incident
• A copy of the FIR if there was an accident
• In the car insurance claim form, you will also need to specify if a third-party was harmed or if third-party property was damaged.