TATA AIG Two Wheeler Insurance Review
Tata AIG Two Wheeler 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. .Tata AIG offers you a comprehensive two wheeler insurance cover. Tata AIG provides Tata AIG Motor Insurance Plans not only Two Wheeler but also for Two Wheeler and Commercial Vehicle. Tata AIG is perfect for all your needs for quick mobility and convenience. The customer can select any of the Tata AIG Policy according to your requirement. You can buy Tata AIG Two Wheeler 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 Renewal Online use Tata AIG Two Wheeler Insurance Online Renewal. You can pay the Tata AIG Two Wheeler Premium Online using Tata AIG General Insurance Online Payment. To calculate your premium use Tata AIG Two Wheeler Premium Calculator.
Tata AIG Two Wheeler 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 Two Wheeler Insurance Plans for Individual, Groups, Personal accidents.
Tata AIG Two Wheeler Insurance Inclusions / Coverages
Tata AIG Two Wheeler 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 benefits 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 Two Wheeler Insurance Plans that can enclose almost any Two Wheeler need.
Tata AIG Two Wheeler 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.
- The company will pay all costs and expenses incurred with the agreement.
Compulsory Personal Accident covers to Owner Driver
|
Nature of Injury |
Scale of Compensation in % |
| Death. | 100 |
| Loss of two limbs or sight and the sight of two eyes or one limb and sight of one eye. | 100 |
| Loss of one limb or sight of one eye. | 50 |
| Permanent total disablement from injuries other than named above. | 100 |
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:
| Age of Vehicle | Percentage of depreciation |
| Not exceeding 6 months | NIL |
| Between 6 months and 1 year | 5% |
| Between 1 and 2 years | 10% |
| Between 2 years and 3 years | 15% |
| Between 3 and 4 years | 25% |
| Between 4 years and 5 years | 35% |
| Between 5 years and 10 years | 40% |
| more than 10 years | 50% |
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 Two Wheeler Insurance
| Age of the Vehicle | % of depreciation for fixing IDV |
| Not exceeding 6 months | 5% |
| Between 6 months and 1 year | 15% |
| Between 1 year and 2 years | 20% |
| Between 2 years and 3 years | 30% |
| Between 3 years and 4 years | 40% |
| Between 4 years and 5 years | 50% |
Tata AIG Two Wheeler Key Features
- Any partial or total loss to your vehicle arising out of accident or on account of the fire and allied perils in covered.
- Covers Third party property damage and Third Party Bodily injury.
- Discount (NCB) for claim free experience.
- Predefined depreciation for the parts needing replacement on account of an accident.
Tata AIG Two Wheeler Add-ons
Depreciation Reimbursement
This cover offers the amount of depreciation deducted on the value of parts replaced for own damage claim lodged under section 1 of the policy. The cover is available for maximum 2 claims during the policy period. The Vehicle should be repaired at any of our authorized garages.
Return to invoice
This cover pays the financial shortfall between the amount you receive under section 1 of the policy and the purchase price of the Vehicle as confirmed in the invoice of sale.
Tata AIG 2 Wheeler Insurance Benefits
- Fuel Delivery.
- Flat Tyre Support.
- Emptying of the Fuel Tank.
- Relay of Urgent Message.
- Transportation of the Covered Two Wheeler.
- Discount for approved anti-theft devices installed in the Two Wheeler.
Tata AIG Two Wheeler Insurance Exclusions
Tata AIG Two Wheeler 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 exclusions are listed below.
- Total Loss/ CTL and theft claims are not valid and admissible under section 1 of the policy.
- Any non-built electrical/ electronic and non-electrical/electronic accessories including bi-fuel kit forming part of the invoice but not insured under section 1 of the policy.
- Any Stolen vehicle is recovered within 90 days of theft unless Final Investigation Report is submitted.
- Final investigation report in case of theft claim is not issued by Police authorities and is submitted to the Tata AIG General Insurance Company.
- The Covered vehicle is imported.
For detailed information regarding the Tata AIG 2 Wheeler Insurance Exclusions, click on the link provided below.
http://www.tataaiginsurance.in/motor-insurance/two-wheeler.html
Tata AIG Motor Two Wheeler 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 Two Wheeler 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 Two Wheeler 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 Two Wheeler Insurance Policy.
- Insured may download the Tata AIG Two Wheeler 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 Two Wheeler Insurance Forms, you have to attach relevant documents.
Tata AIG Two Wheeler Claim Process
Tata AIG offers the Claim Process for Two Wheeler Insurance, Health Insurance, and many other General Insurance Policies. The Insured have to follow all the Steps of Tata AIG Two Wheeler 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 Two Wheeler Insurance Claim Process click on the below link.
Tata AIG Two Wheeler Insurance Claim Process
Tata AIG Two Wheeler 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 Two Wheeler Insurance Forms and Documents
Here we are providing Tata AIG Two Wheeler Insurance policy wording document and Add-on Coverages.
Tata AIG Two Wheeler Customer Information Sheet
Tata AIG Two Wheeler Insurance Add on covers
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