Tata AIG Car Insurance

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Tata AIG Motor Insurance Company


It has been over sixteen years since the joint collaboration of TATA AIG General Insurance Company Limited in January 22, 2001. The collaboration is a joint venture with global insurance leader AIG, an American conglomerate.

Since the time of inception TATA AIG has been steadily introducing innovative insurance products so as to provide a complete spectrum of insurance services to its customers under consumer as well as commercial verticals.

At present the company has152 branches spread all over the country, with a current workforce strength of 2833. The company has entered into partnership with Banks, Non Banking Financial Corporations and Housing and Finance Corporations. Its products have also been made available through agents and brokers; It has more than 10, 300 authorized agents and 345 authorized brokers and the products team comprises of more than 400 product experts and the customer service team comprises of more than 450 customer service staff. It has also provided a robust digital platform to enable online distribution of its products.

Why TATA AIG?


It is very necessary to exercise caution while selecting your insurance partners. TATA AIG insures that the policy holders are able to put their minds at rest and in case of emergencies get immediate assistance.

The key usp of the company includes:

A renowned, authorized company

All India presence

Financially sound company

Years of trustworthy performance

Prioritize claim settlements

Provide round the clock emergency assistance

Incurred claim ratio is a healthy 75.63%

Claim settlement period is one week

Cashless claim settlement process

Online, swift services

Disclosures are transparent

TATA AIG Motor Insurance


Tata AIG Motor Insurance plan takes into consideration the conventional risks as well as non conventional risks associated with automobiles.

Under the Motor vehicle act it is imperative for the vehicle owner to avail minimum third party insurance cover.

Most third party insurance covers do not provide a total motor insurance cover. Third party insurance covers only insure against third part physical and property damage but personal and vehicle insurance covers are not provided under third party liability cover. Hence the company has introduced a comprehensive motor insurance plan that takes care of all concerns under one cover.

Features and Benefits


Comprehensive motor cover

Comprehensive personal cover

Comprehensive third party cover

Flexibility to choose from 12 additional risk covers

Flexibility to choose from 12 additional risk covers

Cashless settlements at networked garages

Reimbursement claim settlement within one week

Claim free policy periods accumulate no claims benefit

Cover for on road emergencies

Vehicle repair cover due to accident has six months validity

Third party cover up to Rs 7.5 lakhs

Personal cover

Driver and pinion cover

Vehicle cover

No pickup charges for personal/commercial car

Salvage value is not deducted while calculating premiums for cover value

Repair claim for glass/fiber/plastic/rubber parts does not reduce no claim benefits

Comprehensive Motor Cover under TATA AIG Motor Insurance


Company provides vehicle cover for the following risks:

Damage due to catching fire

Damage due to explosion

Damage due to ignition

Damage due to struck by lightening

Theft of vehicle

Damage due to riots/strikes

Damage due to natural calamities like earthquake, floods, cyclone

Damage due to accident from external causes

Damage due to terrorist and other malicious acts

Damage during transporting vehicle in another vehicle (waterways, roadways, airways, lifts).

Damage due to landslide/road slide

Insured Declared Value (IDV)


The insured declared value is the value of the vehicle declared in our motor policy and this is considered to be the sum assured for vehicle cover. The IDV is based on the listed price of the vehicle as provided by the manufacturer at the start of insurance policy or at the time of policy renewal after making adjustments for applicable depreciation. Depreciation is calculated as per the age wise schedule of depreciation.

Comprehensive Third Party Cover under TATA AIG Motor Insurance Plan


If third party injury or loss results from use of insured vehicle then such injuries and losses are covered within prescribed limits under the policy and included in these are:

Physical injury or death of third party

Damage to third party property

Comprehensive Personal Cover under TATA AIG Motor Insurance Plan


If the policy holder suffers injury or death due to accident or damage of the vehicle as per conditions covered under the policy, then the company provides personal cover for policy holder as well as driver for such situations which include:

Personal cover for permanent and partial disability

Personal cover for death

Claim Process


Tata AIG has cashless settlement and reimbursement claims procedure. If policy holder’s vehicle is repaired in any of its networked garages, then the claims are settled directly with the garage authorities. If the vehicle has been repaired elsewhere, then policy holder can claim for expenses covered by the policy by submitting the repair bills and claim form and documents.

Policy holders need to report emergencies and accidents immediately or as soon as is possible for them after having attended to self and others care. Unnecessary and unexplained delays in reporting incidents may lead to cancellation of claims.

In order to get timely assistance, policy holders must ensure that he/she is always ready with the following:

A copy of policy document is always kept inside the vehicle

FIR copy of incident for which claim is raised

Vehicle registration number

Self identity proofs

Contact numbers of our offices/Our toll free numbers

TATA AIG Motor Insurance Plans:


Private Car Insurance: It has been designed to give you the extra assurance and peace of mind apart from the basic coverage, such as coverage against damage, theft etc that you will get under this. That’s not all, through our 12 exclusive add on covers, you can improve your standard car insurance policy.
KNOW MORE

Two - Wheeler Insurance Policy: Tata AIG offers you a comprehensive two wheeler insurance cover, which covers you for the liability that may occur out of the Third party and against the loss or damage to your own two-wheeler.
KNOW MORE

Commercial Vehicle Insurance: This plan provides complete protection against partial loss & total loss arising out of accident, fire & allied perils, burglary & theft, riots and strikes, damage in transit by air, rail, road and sea.
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Second –hand Car insurance plan: This plan allows second-hand car users to get the benefits of car insurance easily. They will get all the coverage that the company provides in basic car insurance plan.
KNOW MORE

Other Plans By TATA AIG are:


- Health Insurance
- Home insurance

- Travel Insurance
- Lifestyle insurance

- Individual Personal accident

Claim Form


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Contact Address


Tata AIG General Insurance Company Limited
Peninsula Business Park Tower A,
15th Floor, G.P. Marg, Lower Parel,
Mumbai - 400 013, India
E-mail: CustomerSupport(at)tata-aig(dot)com
Tel No: +91-22-66699697 , Fax No: +91-22-66546464

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