TATA AIG Car Insurance FAQs

TATA AIG Car Insurance Company offers the following add-on cover:

• Key Replacement
• Engine Secure
• Tyre Secure
• Consumable Expenses
• Loss of Personal Belongings
• Return to Invoice
• No Claim Bonus Protection Cover
• Roadside Assistance
• Daily Allowance
• Emergency Transport and Hotel Expenses
• Return to Invoice
• Depreciation Reimbursement
• Repair of Glass,Plastic, Fiber and Rubber Parts

The incurred claim ratio of TATA AIG Car Insurance Company is 70%

Customers can track their claim status online on https://login.tataaig.com/ 

Customers can download their Tata AIG Car Insurance Policy by logging in to their self-help portal at https://login.tataaig.com/

The processing and settlement of car insurance claims is quick and hassle-free. The claim is settled as soon as all the documents are submitted by the car-owner.

The pay-as-you-drive facility is not available with TATA AIG General Insurance Company.

You can renew your TATA AIG car insurance policy through an app on your smartphone or any other smart device.

If you fail to renew your policy in time, your policy will be canceled, and you will have to buy a new policy which can be an expensive affair.

It would help if you renewed your existing policy as per the time period stipulated by your insurer. Usually, policies are renewed yearly. In addition, you can opt for a reminder to be sent to you before your policy expires.

Yes, it is possible to change your car insurance policy before your renewal date arrives. This would also depend on your insurance provider whether they let you do that or not. TATA AIG car insurance can be changed before policy renewal.

It depends on you and your convenience which way you want to renew your policy. The TATA AIG does not provide anything different regarding services to policyholders renewing their car insurance policies online or offline. You can choose whichever method suits you the best. Both the ways are equally favorable when it comes to service and prompt responses from TATA AIG.

Yes, you can file a TATA AIG car insurance claim with the help of the TATA AIG insurance app on your smartphone or device.

The salvage value of a car would be the one that is the estimation of a vehicle that has met with an accident and has been completely damaged. It is also known as a total loss.

It is advisable to save your claims for significant damages. This would help you get the NCB and reduce your depreciation expenses.

You can visit the company’s official website to get the list of repair garages registered under TATA AIG.

A surveyor is a person who inspects the damaged vehicle and confirms the credibility of the claim filed by the policyholder.

The toll-free number for TATA AIG Insurance is 1800-266-7780, which is available 24/7 for customer inquiries and other services.

Yes, you can go to the nearest brand office of TATA AIG Insurance and inquire about making changes to your policy document.

The Insurance Regulatory and Development Authority of India (IRDAI) regulated the working of the E-Vahan Bima service.

Some details that must be checked on a car insurance policy document are:

• Type of insurance
• Policy number
• Premium
• Terms and conditions of the policy
• Policy tenure
• Personal details
• Details of the car

If you lose your policy document, it can be downloaded again from your email ID. You can also go through the aforementioned process of availing of the hard copy again.

Yes, claiming minor damages would also make you lose the chance of claiming a No-claim bonus from your insurance provider.

The loss of personal belongings add-on would cover the loss of things such as clothes, audio/video tapes, CDs, etc. It does not cover items like credit/debit card, watches, money, jewellery,etc.

You can use this add-on more than once. However, using it more than once may affect your chances of claiming an NCB on your policy.

If your car is more than 5years old, a zero depreciation cover would not be available for you.

You cannot buy add-ons over a third-party car insurance policy.

The only major limitation of this policy is that the premium can sometimes be higher than the cost incurred in the accident. This can increase the financial burden of the policyholder rather than decrease it. 

A zero depreciation cover is only suitable for less than five years old cars. 

You can drive your vehicle in India with a comprehensive policy, including a third-party insurance, which is a must.

Yes, you have the option to purchase the roadside assistance cover as an add-on with your TATA AIG comprehensive insurance car.

Yes, it is mandatory to buy a CPA cover with your base car insurance policy.

As per the regulations of the Motor Vehicles Act, 1988, the government charges a fine of INR 2000 for driving a car with an expired insurance policy.

A third-party car insurance policy does not allow add-ons to be bought over the base policy.

No, the TATA AIG third-party car insurance policy does not offer a personal accident cover with the base policy. However, PA cover is mandatory to buy and can be bought separately with your third-party insurance policy.

You have to mandatorily buy the third-party insurance policy. However, it would only provide limited cover to you. For additional coverage, you must also purchase a comprehensive car insurance policy.

You can file for claim settlement online with TATA AIG.

You cannot buy a zero dep cover over a third-party car insurance cover.

Yes, car owners who have high-end cars must buy this cover as they are more likely to incur increased expenses in an accident due to depreciation.

Usually, zero dep cover cannot be offered to cars more than 5 years of age. But in some cases, if purchased offline, more than five years old cars can also be covered under zero depreciation.

Yes, fiberglass depreciation would be covered under a zero dep car insurance add-on.

Yes, you can renew your TATA AIG car insurance policy online.

You have to buy a third-party insurance policy as mandated by law. However, you can additionally buy a standalone car insurance policy on top of it. 

If you have bought a high-end car on the expensive side, the premiums would be high, and vice versa. This is because a costly car model would incur high expenses when in an accident. The insurer needs to cover its costs, thus, charging you with an increased premium. 

People living in densely populated areas are at greater risk of meeting with accidents and collisions. Therefore, an insurance provider considers this factor while deciding on a premium amount for such policyholders; the higher the possibility of accidents, the higher the premiums. 

In case of total and irreversible loss to the vehicle, the TATA AIG standalone car insurance policy would cover all the related expenses of the policyholder.

A standalone policy would only cover your own damages; however, comprehensive insurance would cover your own damages and third-party damages. Therefore, a comprehensive policy is much better as it provides a more extensive cover under challenging situations.