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TATA AIG Comprehensive Car Insurance
Comprehensive car insurance is a policy that covers both your own vehicle and third-party liabilities. It protects against damage to your car from accidents, theft, fire, natural disasters, and third-party property damage. Unlike third-party insurance, it provides full protection for you, your passengers, and your car, along with optional add-ons for extra benefits.
TATA AIG Comprehensive Car Insurance offers extensive coverage, combining third-party liability and own damage protection. Ideal for new and high-value vehicles, this policy ensures peace of mind against a wide range of risks.
Key Features of TATA AIG Comprehensive Car Insurance
Here are some of the key features of TATA AIG Comprehensive Car Insurance:
- 01
Covers Own and Third-Party Damages
This policy protects both your car and any third party involved in an accident caused by your vehicle.
- 02
Protection Against Multiple Risks
It offers coverage for damages caused by accidents, theft, fire, natural disasters, or man-made events.
- 03
Personal Accident Cover
The plan includes a personal accident cover for the owner-driver to provide financial protection in case of injury or death due to an accident.
- 04
Add-On Covers Available
You can enhance your policy with useful add-ons like zero depreciation, roadside assistance, engine protection, and consumables cover.
- 05
Cashless Repairs at Network Garages
TATA AIG provides cashless repair services at its wide network of authorized garages across India, ensuring quick and hassle-free service.
- 06
Easy Claim Process
The claim process is simple and customer-friendly, allowing you to register and track claims easily.
- 07
Transit Damage Cover
Your car is covered against damage during transit by road, rail, or air.
- 08
No Claim Bonus (NCB) Transfer
You can transfer your NCB from your previous policy to your new TATA AIG comprehensive plan to enjoy premium discounts.
- 09
Complete Financial Protection
This plan ensures full financial protection for your car against unexpected losses or damages.
Motor Insurance Plans By TATA AIG
What Does TATA AIG Comprehensive Car Insurance Cover and Not Cover?
Tata AIG Car Insurance covers some motor damage while excluding others. The covered things are called inclusions. The things not covered are called exclusions. It’s good to know both before buying the policy.
What it Covers
Expenses and damages that are covered under the Tata AIG Comprehensive car insurance cover. Here is the list of some common inclusions:
Damage to third-party vehicles and
Injuries to their passengers.
Damage to your car due to accidents or collisions.
Loss due to man-made mishaps, such as theft.
Damage caused by natural calamities like fire, storms, or falling trees.
Personal accident cover for the driver. It is up to Rs. 15 lakh per year.
What Does it not Cover
Damages and losses that are generally excluded in TATA AIG comprehensive car insurance:
Driving without a valid license. or
Intoxicated driving.
Accidents outside India.
Losses from stone pelting, negligence, or attempted theft.
Wear and tear from regular use (only 50% replacement cost covered).
Damage during transit by flight, train, or ship.
Accidents due to racing or adventure activities.
Using a private car for commercial purposes.
If the vehicle has an expired insurance policy.
Why is Tata AIG Comprehensive Car Insurance Important?
Tata AIG Comprehensive Car Insurance is important as it protects your car, covers third-party damages, offers add-on benefits, and provides cashless repairs. Some of the benefits are as follows:Protects your car and third parties
The comprehensive car insurance covers damages to your car, third-party vehicles, and any kind of personal injuries.
Financial safety
It saves you from paying huge repair or medical costs out of pocket.
Covers natural disasters and theft
With comprehensive car insurance, you will get protection against fire, storms, falling objects, and theft attempts.
Add-on cover options
This includes extra protection like engine, tire, and personal accident cover.
Cashless repairs
The policyholder also gets convenient cashless service at Tata AIG network garages.
Peace of mind
After purchasing a complete car insurance plan, you can drive confidently without worrying about unexpected expenses.
FAQs
It is a car insurance plan that covers damages to your own car, third-party vehicles, and injuries, along with optional add-on covers for extra protection.
It covers accidents, theft, fire, natural disasters, and personal accident cover for the owner-driver. Add-ons like engine, tire, and spare part damage can also be included.
Damage while driving without a license, under intoxication, regular wear and tear, accidents outside India, racing, or using a private car for commercial purposes are excluded.
Yes, TATA AIG offers cashless repair services at network garages across India, making claims easier and faster.
It provides full financial protection, peace of mind, and coverage for both your car and third-party liabilities, helping you avoid unexpected expenses.