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Everything You Need to Know About TATA AIG Two-wheeler Insurance

19 July 2022, 10:42 AM

Whether commuting to work, riding to the local market, or taking trips across the country, having the right insurance coverage on your motorcycle can protect you against accidents, theft, and damage.

TATA AIG offers two-wheeler insurance, including personal accident, property damage insurance and third-party liability coverage, to provide your bike with the protection it needs, no matter what roads you ride on. Here's everything you need to know about TATA AIG two-wheeler insurance.

Introduction to TATA AIG Two-wheeler Insurance

TATA AIG is one of India's premier private insurers with a wide range of products and services, including life insurance, health insurance, home and property insurance and personal accident protection. Among these, its two-wheeler insurance policy has been especially successful, offering top-tier coverage at an affordable price.

TATA AIG's bike insurance provides excellent value for money, thanks to its generous coverage limits and low cost. This guide will explain all you need to know about purchasing TATA AIG two-wheeler insurance. Let's have a look.

Key Features of TATA AIG Two-wheeler Insurance

Third-party Damage Cover

TATA AIG's third party bike insurance policies protect you from injury or property damage caused to other parties by your insured two-wheeler.

Savings on Premiums

You can save up to 75% off on your two-wheeler premium payments with TATA AIG two-wheeler insurance. 

No Claim Bonus (NCB)

TATA AIG would offer a no-claim bonus in bike insurance of 20% on your bike insurance premium if you don't file a claim in the first policy year. Five successive years of no claims would take your NCB count to 50%. It comes as a discount on the two-wheeler premiums. The own damage component of the premium would reduce with the NCB feature.

Easy Claim Process

You can get a seamless TATA AIG  bike insurance claim process in a few easy steps. With a dedicated team of 650 claim experts, you experience the due process with TATA AIG.

Own Damage Cover for the Bike

TATA AIG standalone own damage bike insurance policies protect your bike in the event of an accident, natural disaster, or man-made catastrophe.

Cashless Repair and Reimbursement

Thanks to over 3300+ auto service garages across the country, TATA AIG can help you avail of cashless repair service for your vehicle.

Quick Buying/Renewing Process

To purchase or renew TATA AIG car insurance online, visit its website. Complete some quick and simple steps.

Types of Two-wheeler Insurance By TATA AIG

Comprehensive Bike Insurance Policy 

TATA AIG  comprehensive bike insurance policy covers damages and losses caused due to incidents like burglary, vehicle damage/theft, etc. This means that if you are riding a motorcycle and are caught in an accident or get into any damage owing to natural calamities like floods, hail storms, etc, the company will cover the losses arising from the same. 

Third-party Bike Insurance Policy 

 In an accident with your vehicle, this third party two-wheeler insurance policy will protect you from losses caused to third-party vehicles or injuries to third-party persons.

Standalone Own Damage Bike Insurance Policy 

This standalone own damage bike insurance policy covers any damage to your motorcycle due to collision, fire, theft or vandalism. In case of an accident, it also covers medical expenses up to INR 1 lakh for you and your pillion rider and bystanders. You only need a basic two-wheeler policy, and you can buy standalone bike insurance from TATA AIG. No third-party cover is available under this policy.

What is Covered Under the TATA AIG Two Wheeler Insurance Policy?

Damages and Loss to the Bike

This comprehensive bike insurance plan will protect your bike against damage and loss due to fire, theft, accidents, or natural calamities.

Third-party Liability

You have options for either third-party or comprehensive bike insurance. Both will cover liability damages incurred to the third-party property, his/her bodily injury or even death.

Read more - Difference Between Comprehensive And Third-party Car Insurance

Theft of the Bike

Both comprehensive and standalone bike insurance policies of Tata AIG cover vehicle theft.

Specific Coverage Under Add-ons

TATA AIG offers you 8 bike insurance add-on covers to provide you protection in some specified conditions. Some are personal accident cover, consumables cover, depreciation cover, etc. 

Personal Accident Cover for the Owner-Driver

TATA AIG offers personal accident cover of up to INR 15 lakhs. Under this cover, any medical expenses caused by injuries are reimbursed. 

What is not Covered Under TATA AIG Two Wheeler Insurance Policy?

  • Regular wear and tear due to age and any mechanical issues in the bike.
  • Damages caused to the rider if they are riding without a helmet or a valid driving license.
  • If you are using your bike for commercial purposes.
  • Damage is caused to the bike when the rider uses it for speed tests, reliability tests or racing, etc.
  • Driving a bike under the influence of alcohol, drugs or other intoxicating substances.
  • Damages caused to the bike due to mutiny, war or something similar and nuclear perils.

The Bottom Line

A two-wheeler makes commuting easier and much faster than public transport, but you also have to consider your vehicle's safety as you ride it on busy streets. You may be concerned about your bike or scooter being stolen, damaged, or damaged while parked on the side of the road, even though it's not your fault.

To keep yourself covered against unforeseen circumstances, get TATA AIG two-wheeler insurance now to ensure that you don't have to worry about anything else besides getting from one place to another in the best possible way!

Read more -

How Two Wheeler Insurance Helps If Bike Gets Stolen?

Planning to Buy a Used Two Wheeler? Here are 10 Things to Consider


1. Which type of Tata AIG bike insurance is the best?

A comprehensive bike insurance policy of Tata AIG can be called the best among its overall two-wheeler policies. It's because the comprehensive policy covers the mandatory third-party liability as well as own damage expenses. 

2. How do I claim TATA AIG two-wheeler insurance?

You can claim Tata AIG two-wheeler insurance by intimating the company as soon as any of the covered incidents take place. The company will send a surveyor to inspect the vehicle at the incident site and ask you for documents. The surveyor will prepare a report and send it to Tata AIG for evaluation. If satisfied with the report findings, you can take your vehicle to any of the company's cashless garages near you for repairs. The company will pay the repair bills directly to the garage.

3. How can I calculate my Tata AIG bike insurance premium?

You can use the bike insurance premium calculator to calculate Tata AIG two-wheeler insurance premiums. The calculator takes into account the vehicle type, make and model, place of registration, etc, to compute the premium amount.

4. What is NCB in Tata AIG bike insurance?

NCB comes as a discount for Tata AIG bike insurance policyholders if they don't claim in a policy year.

5. What is zero depreciation cover in Tata AIG bike insurance?

As the bike ages, its parts depreciate due to wear and tear. As a result, the value of the bike itself depreciates. After your bike sustains damage, Tata AIG won't pay you the depreciation cost unless you buy a zero depreciation add-on for bike insurance.

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