Top Four Wheeler Insurance Plans

Unfortunately, personal belongings do not cover items like cash and cheques.

If your car insurance policy has lapsed, renewing it without getting an inspection done is not possible. Without any ado, make sure you place your request for inspection and renewal by calling on their toll-free number. This must be done within 90 days from the date on which the policy has expired.

Of course you can! Just call on their toll-free number 1800-266-7780 and place your request. Do keep in mind that insured declared value of the vehicle can be altered according to the terms and conditions of the company and only during the time of renewal.

To proceed with claims in TATA AIG, you must either intimate the company by calling on their toll-free number 1800-266-7780 or SMS ‘CLAIMS’ to 5616181. You might as well receive a call back in an hour.

TATA AIG bring a whole list of add-ons to pick from. Here’s some:

If you are successful at maintaining a claim-free driving record for a good year, you can certainly avail a No-Claim bonus under any TATA AIG insurance plan.

Opting for a basic comprehensive car insurance from TATA AIG will not help in getting reimbursements for depreciation of your car or its parts. However, if you top-up your policy with zero-depreciation, also known as nil-depreciation, TATA AIG does offer a payout, close to 100% of a claim amount.

With a TATA AIG car insurance policy in hand, all your third party liabilities and damages are covered.

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The value of a vehicle will depreciate with the increasing tenure. Your motor insurance policy will pay you the claim amount taking into account the depreciation. To avoid this, you can also choose a policy with a Zero Depreciation car insurance Cover, in which case there will be no deductions on the depreciation.

The first thing you need to do is contact your insurer and give all the details of the accident. Next, get an FIR from the police with recorded details from the witnesses and third-party driver. A surveyor will make a note of the damages incurred and your claim will be settled using your motor car insurance.

The insurance on a vehicle is applicable even if another person is driving the vehicle, with your permission. This is because liability follows the vehicle. Generally speaking, the liability insurance of the person driving your vehicle needs to pay should the amount of the loss go above your car policy limits.

In India, third-party car insurance is compulsory for all car owners. Moreover, own-damage car insurance covers you in case of accidents, theft and fire. In case of any untoward incident, you don't have to pay out of pocket for repairs or replacement if you have a valid insurance policy.

When you buy car insurance online, you get an instant policy, as there is no documentation or paperwork involved. You also have the advantage of choosing from multiple payment options, e.g. credit card (Visa, Master, AMEX card), net banking, debit card etc.

You can insure a private car and two-wheeler online.

It takes just a few minutes to buy or renew car insurance online. You just have to enter the vehicle details, contact info and insured details, and pick the covers you need. Once you make the payment, you receive an instant car insurance policy.

Yes, they are. In case of online car insurance, once you make payment, we send the policy documents to your email and your registered address.

You can check all your car insurance details in your policy documents. You can also log in to our website or IL Take Care app to check the below details:
a) Policy number
b) Policy start and end date
c) Policy type (Comprehensive/OD only/TP only)
d) Engine & chassis number

An endorsement is written evidence of an agreed change in the policy. It is a document that incorporates changes in the policy terms.

Yes, you need to hold a valid and effective PUC, and/or fitness certificate, to drive your vehicle and stay compliant with the law.

Yes, you need to have an active and valid insurance policy while registering your new vehicle. Even a valid third party (TP) policy will work for registering your vehicle at the RTO.

The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the start of the insurance or renewal. The IDV would subsequently change according to the depreciation grid below for each one year block within the policy period for the insured vehicle. All ages of vehicles, provided they have a valid fitness certificate as required by law, will be covered by the aforementioned product.