TATA AIG Car Insurance Policy – Review, Features and Benefits

TATA AIG Car Insurance Review

Tata AIG Car Insurance is one of the Best Motor Insurance Policy offered by the Tata AIG General Insurance Company. Tata AIG will cover the loss caused due to the physical damage of the insured vehicle. It also gives the sum assured to the Third Party Liabilities and Injuries. They give extra protection through unique Add on covers. Tata AIG provides Tata AIG Motor Insurance Plans not only Car but also for Two Wheeler, Commercial Vehicle. The customer can select any of the Tata AIG Policy according to your requirement. You can buy Tata AIG Car Insurance Policy through online or offline. Tata AIG General Insurance Company is providing very useful options to the Insurer like Renewal, Online Payment. To make the Tata AIG Car Insurance Renewal Online use the Tata AIG General Insurance Login. You can pay the Tata AIG India Car Insurance Premium Online using Tata AIG General Insurance Online Payment. You can calculate your premium using the Tata AIG Premium Calculator.

Tata AIG Car Insurance Policy offers coverage for an occurrence of any risk to your vehicle. Tata AIG offers different Insurance Plans for Health, Motor, Travel, Individual Personal Accident, etc. Tata AIG General Insurance Company provides Car Insurance Plans for Individual, Groups, Personal accidents.

Tata AIG Car Insurance Inclusions / Coverages

Tata AIG Car Insurance offers the best Plans with a wide range of benefits for you and your family. Tata AIG General Insurance provides the different type of Tata AIG Motor Insurance products. The Main of aim Tata AIG is to provide the best coverage to their customers. Tata AIG will help them in expenses if any unusual incident happens.  Tata AIG General Insurance offers various Motor insurance plans for individuals, Groups, etc. Here we are providing some of the features, Benefits, and Coverages of Tata AIG Motor Insurance plans. Tata AIG offers customized Tata AIG Car Insurance Plans that can enclose almost any Private Car need.

Tata AIG Private Car Insurance Key Features, Benefits  & Coverages

Coverages 

Losses due to natural disasters

The factors caused due to natural disasters are fire, explosion, self – ignition, accidental damage by external means lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, and rockslide.

Third party liability

• Any accident caused to the third party, and it takes to death or any permanent disabilities or any temporary disabilities. At that time, Tata AIG Motor Insurance gives the sum of recovery amount.
•  If any damage caused to the property, Tata AIG gives the recovery amount of Rs. 7.5 lakhs unless the customer selects the lower cover of Rs. 6000 as per provision of motor vehicles act.
• The company will pay all costs and expenses incurred with the agreement.

Compulsory Personal Accident covers to Owner Driver

Rate of Depreciation in Tata AIG 

• For all rubber/ nylon/ plastic parts, tyre and tubes batteries and air bags – 50%.
• For fiberglass components – 30%.
• For all parts made of glass – NIL.

Rate of depreciation for all other parts including wooden parts will be as per the following table:

Sum Insured Declared value(IDV):

The IDV of the vehicle is fixed based on manufacturer’s listed selling price of the brand and model of the vehicle. It is calculated as manufacturers selling price minus depreciation.

Depreciation for fixing the IDV(Insured declared value) of the vehicle in Tata AIG Car Insurance

Tata AIG Car Key Features

• You can get a Free pick-up for your car.
• Direct settlement facility at special garages.
• Insured can get a warranty for Up to 6-months on accident repair.
• Quality spares and materials are guaranteed.
• Claim settlement in 7 days.
• Enhanced protection through 12 unique add-on covers.

Tata AIG Private Car Add-ons

• Nil Depreciation cover.
• Daily Cash Allowance.
• Accidental Hospitalization Clause for Family.
• Car Key Replacement.
• Road Side Assistance.
• Hydrostatic Lock Cover.

Tata AIG Car Insurance Benefits

• Fuel Delivery.
• Flat Tyre Support.
• Emptying of the Fuel Tank.
• Relay of Urgent Message.
• Transportation of the Covered Car.
• Discount for approved anti-theft devices installed in the Car.
• Discount for mainly Designed/ Improved vehicles for the Blind, Physically handicapped and mentally challenged persons.

Tata AIG Car Insurance Exclusions

Tata AIG Car Insurance policy does not cover claims arising out of exclusions. There are some circumstances under which Claim application will not be accepted. Some of the notable exclusions stated are listed below.

• Any claim arising due to contractual liability.
• Accidental loss or damage or expenses arising from any consequential loss.
• Accidental loss or damage or costs resulting from nuclear weapons, war, invasion, the act of foreign enemies, hostilities or warlike operations.
• Any accidental loss or damage and liability caused outside geographical area.
• Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.
• The Policy covers the use of the vehicle for any purpose other than
  • Hire or Reward.
  • Carriage of goods.
  • Organized racing.
  • Speed testing.
  • Any purpose in connection with Motor Trade.
• Damage to tyres and tubes unless the vehicle is damaged at the same time in which case the liability of the company shall be limited to 50% of the cost of replacement.

For detailed information regarding the Tata AIG Car Insurance Exclusions, click on the link provided below.

http://www.tataaiginsurance.in/motor-insurance/private-car.html

Tata AIG Motor Private Car Insurance Policy Buying procedure

Tata AIG Motor Insurance policy can be purchased by Online mode and Offline mode.

Steps for Online mode Buying Process

• Visit the Tata AIG General Insurance official website www.tataaiginsurance.in.
• Click on Motor Insurance and Select Private Car Policy.
• Calculate Premium with the help of Tata AIG Premium Calculator and Buy Online.

Steps for Offline mode Buying Process

The customer has to buy the insurance policy from the licensed agent. Tata AIG Car Proposal Forms are required for Buying a policy offline. Tata AIG Insurance Forms & documents are needed for Buying a new policy.

• Visit the nearest Tata AIG General Insurance branch to Purchase Car Insurance policy.
• Insured may download the Tata AIG Private Car Insurance Forms and Documents from the official website or the link provided below.
• Insured has to select the premium amount.
• The Selected Premium has to pay the premium in terms.
• Along with Tata AIG Car Insurance Forms, you have to attach relevant documents.

Tata AIG Car Claim Process

Tata AIG offers the Claim Process for Car Insurance, Health Insurance, and many other General Insurance Policies. The Insured have to follow all the Steps of Tata AIG Car Insurance Claim Process for Intimation of Claim. The Insurer will be provided with the medical, financial and other assistance in case of any emergency condition. For detailed information about the Tata AIG Car Insurance Claim Process click on the below link.

Tata AIG Car Insurance Claim Process

Tata AIG Private Car Insurance Contact Details

Address: 

Peninsula Business Park, Tower A,

15th Floor, Ganpatrao Kadam Marg,

Off Senapati Bapat Marg, Lower Parel,

Mumbai – 400 013,

Maharashtra, India.

Customer Care Helpline: 1800-266-7780 or SMS `TAG` to 5616181.

Mail: customersupport@tata-aig.com.

Download Tata AIG Car Insurance Forms and Documents

Here we are providing Tata AIG Private Car Insurance policy wording document and Add-on Coverages.

Tata AIG Car Insurance – Customer Information Sheet Document

Tata AIG Car Insurance – Policy Wordings

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