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TATA AIG Comprehensive Bike Insurance Policy
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TATA AIG Two Wheeler Insurance Highlights
Tata AIG General Insurance Company Limited is a joint venture between the Tata Group and the American International Group (AIG). Tata AIG General Insurance Company Limited celebrated 20 years of service as on 2020, since it commenced operations on January 22, 2001. The company has made a mark in the industry by launching several innovative products and services over the years.
Claim Settlement Ratio
As the name suggests, TATA AIG comprehensive bike insurance policy covers all the potential risk areas involving your bike. In addition, it entitles you to specific insurance add-ons that will give you a much superior insurance cover.
Any way you look at it, the TATA AIG two-wheeler comprehensive insurance policy is the highest protection available for your two-wheeler. Let us look at the details of this policy.
How does TATA AIG Comprehensive Two Wheeler Insurance Policy Work?
The comprehensive policy of TATA AIG two-wheeler insurance stands out due to the comparatively broader coverage it gives. It insulates you from damages due to accidents, theft and other events of 'total loss,' fire, or natural disasters like floods or earthquakes. Further, it provides cover against man-made disasters, like terrorist activities & riots.
The policy makes you financially immune to third-party liabilities as well. In addition, you have a range of 8 add-on options to choose from.
TATA AIG Comprehensive Two Wheeler Insurance Vs. Third Party Two Wheeler Insurance
Let us take a quick look at the following comparison between TATA AIG comprehensive bike insurance and third-party two-wheeler insurance:
|Comprehensive Bike Insurance
|Third-party Bike Insurance
|Protects you extensively
|Covers third-party liabilities only
|Choice of 8 add-on covers
|No available add-ons
|Premium is comparatively higher
|Third-party – individual
|Legally and financially covers all liabilities, including death.
|Covers legal & financial aspects of injury & death of third-party.
|Third-party – vehicle & property
|It fully covers all damages.
|Covers the legal & financial liabilities of third-party damages.
|Freedom to customize
|Option to customize your policy online.
|No customization is possible.
How to Buy TATA AIG Comprehensive Two Wheeler Insurance Policy?
You can buy TATA AIG comprehensive bike insurance online. Follow the steps given below:
- Visit the Bike Insurance page and enter your bike's registration number.
- Click on ‘Get Price.’ If you wish to renew an existing policy, click on ‘Renew.’
- Provide the details; choose the coverage, IDV, & the add-ons you prefer.
- If you have a previous policy, furnish details of its no-claim bonus.
- Find the quotes & buy your insurance policy.
- Make payments online and collect policy details on email ID.
What All is Covered Under TATA AIG Comprehensive Two Wheeler Insurance Policy?
You can never be too sure of what all your chosen bike insurance policy covers. Here is a quick checklist specifying all the damages & threats the TATA AIG bike comprehensive insurance policy covers:
- Theft & other forms of total loss – covers the market value of the bike
- Accidental damage – covers repairs & replacements
- Natural & man-made disasters – protects during earthquakes, cyclones, lightning, & floods; fire of any kind, and man-made disasters like strikes, riots, & terrorism.
- Third-party liabilities – damage to vehicle, injury & death.
What All is not Covered Under TATA AIG Comprehensive Two Wheeler Insurance Policy?
The policy ceases to cover:
- If the owner-driver was without a helmet and driving licence at the time of the accident.
- If the damage occurs outside India.
- If the driver was under the influence of alcohol or drugs.
- If the owner-driver was using a private vehicle for commercial purposes.
- If the damage is due to war or something equivalent.
- If the damage is the result of ordinary wear & tear.
- If the damage occurs during adventure sports like speed racing, etc.
- If the damage is due to negligence of the owner-driver.
- If the cost claimed is a part of the general upkeep of the vehicle.
TATA AIG Comprehensive Two Wheeler Insurance Policy Benefits
- Maximum protection that one can buy
- Coverage of all liabilities
- Fully covers own-damage
- Hassle-free single premium
- No claim bonus & other add-ons
TATA AIG Comprehensive Two Wheeler Insurance Policy Review
The company offers comprehensive policy with many amazing features and perks. The cusomers can easily buy these policies online and enjoy a hassle-free claim settlement. With their 98% of claim settlement ratio for the year 2021-22, the company has undoubtedly become the first choice amongst many policy buyers.
Add ons for your Two Wheeler Insurance
TATA AIG Comprehensive Two Wheeler Insurance FAQs
1. Can zero depreciation add-on be added to TATA AIG comprehensive policy?
Yes, this add-on cover can be added to the comprehensive policy. It safeguards against any deduction from the assured sum due to depreciation with time. However, it applies only to the first two claims for a bike.
2. Is it advisable to buy TATA AIG comprehensive insurance for an old bike?
Yes. Old bikes are more prone to damage and accidents. Moreover, the premium for the insurance will be less because the bike’s value is lesser.
3. When is a good time to buy TATA AIG policy?
The best time to buy the policy is at the time of purchasing the bike or at the time of policy renewal.
4. What if I do not purchase TATA AIG comprehensive policy?
You will have to bear any & all expenses associated with any damage to the bike & injury/fatality due to accident, etc.
5. How can I file a claim under TATA AIG policy?
You can file a claim for the TATA AIG comprehensive two-wheeler insurance online. To file a claim, visit our claims page on our website –
- Click 'Initiate Claim.'
- Log in with your mobile number.
- File a claim.
To know the status of an earlier claim, click ‘Track Claim.’
6. Does bike modification &/or selling affect my TATA AIG comprehensive insurance?
Bike modifications affect the insurance both ways. Installation of anti-theft measures reduces the premium, while additions that make it theft-prone (LED, alloy wheels, etc.) entail a hike. When you sell your bike, you will also have to transfer the insurance.
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