Understanding Tata AIG's Comprehensive Car Insurance: Features And Inclusions

Published On Nov 25, 2023 09:46 AM By CarDekho

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With Tata AIG's comprehensive car insurance policy, you are offered easy online claims processes, 24/7 customer support, and a wide range of network garages with cashless facilities.

A comprehensive car insurance policy is an all-around insurance cover that protects both your car and the third party from losses due to an insured event. These can be damages from accidents, natural disasters, theft, or other instances.

Tata AIG's comprehensive car insurance policy extends beyond just a legal obligation. It is a protective shield that protects your car and your savings from unforeseen perils and exorbitant repair costs. In other words, it is the perfect car insurance policy for that brand-new car you just bought.

In this article, we will explain why you should pick Tata AIG the next time you buy a comprehensive car policy and what features and benefits you can expect under their comprehensive car insurance coverage.

Why Choose Tata AIG's Comprehensive Car Insurance?

Tata AIG is a joint venture between the Tata Group and the American International Group (AIG). With over 20 years of experience in the industry, they offer an extensive range of various General Insurance covers that cater to individual and business insurance needs.

Under their comprehensive car insurance policy, you get the combined coverage of a stand-alone own damage cover, third-party insurance coverage, and a personal accident cover. So you and your car are covered for injuries and losses during accidents, while still getting third-party liability coverage.

This also means you will get adequately reimbursed for an insured event regardless of who was at fault. Safe to say, you are in good hands when buying a car insurance policy from them.

Tata AIG's Comprehensive Car Insurance Coverage - Features and Inclusions

Car Insurance Coverage	What is Covered?
Third-Party Damages	The policy will cover the cost of damages your car incurs onto the third-party individual or their property. It will also cover the death of the third-party individual.
Theft/Total Loss	If your car is stolen or damaged beyond repair, you will be reimbursed the total IDV of your car.
Major and Minor Accidental Damage	Repair costs incurred from major and minor road accidents/collisions are covered under comprehensive car insurance.
Natural Disaster Protection	Tata AIG’s comprehensive car insurance policy covers losses due to lightning, earthquakes, floods, hurricanes, and other natural disasters.
Personal Accident Cover	Your comprehensive car insurance policy will include a personal accident cover worth ₹15 lakhs. It will cover medical costs for injuries due to accidents and the cost of transporting you (the owner-driver) to the hospital. Upon death due to injuries sustained from the accident, this whole amount is paid to your policy nominee.
Own Damage Protection	Your car is covered for damages caused by fires resulting from explosions, self-ignition, and damages due to man-made disasters like terrorism, vandalism, and strikes.
Add-Ons	You can choose from 12 unique add-on covers to boost your base car insurance coverage.

Comprehensive Car Insurance Add-Ons/Riders

As stated, you can opt for one or more add-ons under your Tata AIG comprehensive car insurance policy to boost your base coverage. This can be immensely beneficial for anyone looking to get specific coverage for damages they know their car is prone to.

For example, if you live in a high-risk city, the chances of your car getting into an accident will be quite high. Or if you drive long distances between different cities, your car may suffer a mechanical or electrical breakdown outside city limits, leaving you stranded.

Tata AIG's comprehensive car insurance policy offers add-on coverage for both stated instances.

However, you must remember that these add-ons come with an additional premium, so only opt for the coverage you are sure you will need to avoid increasing your premiums too much and overextending your budget.

Here is the list of offered add-ons you can choose from:

Add-Ons	What is Covered?
Zero Depreciation	Covers the depreciation cost deducted from your car's parts during claims, excluding the first two claims.
No Claim Bonus Protection	Allows you to file for a fixed number of claims in a policy year while retaining your accrued NCB discount.
Roadside Assistance	Provides on-road assistance if your car suffers a breakdown outside city limits or in a remote area.
Return to Invoice	Reimburses you the original total invoice amount of the car in case of a total loss.
Repair of Glass Fiber and Plastic Parts	Covers damage to glass, fibre, and plastic parts without affecting the No Claim Bonus discount. (One claim per policy year)
Daily Allowance	Compensates travel/commute expenses if your car is under repair for an extended period.
Emergency Transport and Hotel Expenses	Financial assistance for overnight stays and commuting expenses if your car is damaged during your journey.
Key Replacement	Covers lost car key placement costs.
Engine Secure	Covers repair/replacement costs for your car engine due to water damage - Ideal for flood-prone areas.
Tyre Secure	Covers accidental damage to car tyres.
Consumable Expenses	Cover the cost of replenishing consumables during claims.
Loss of Personal Belongings	Covers the loss of personal belongings during an accident.

Conclusion

Comprehensive car insurance offers the best all-around financial protection. This is especially true if you own a luxury or classic car, as these cars have higher repair costs due to their unique components.

With Tata AIG's comprehensive car insurance policy, you are offered easy online claims processes, 24/7 customer support, and a wide range of network garages with cashless facilities.

These services in addition to the benefits you receive under their car insurance policy, make them the ideal insurer to buy car insurance from.

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