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TATA AIG Own Damage Car Insurance
TATA AIG Own Damage (OD) Car Insurance is a policy that covers damages to your own vehicle due to accidents, fire, theft, or natural disasters. It protects your car financially when it gets damaged, stolen, or involved in a collision. You can also add optional covers like engine protection, tyre cover, or zero depreciation to increase protection.
TATA AIG Own Damage car insurance ensures cashless repairs at network garages, quick claim settlement, and peace of mind while driving.
Key Features of TATA AIG Own Damage Car Insurance
Here are some of the key features of TATA AIG Own Damage car insurance:
- 01
Accidental Damage Coverage
It covers repairs or replacement costs if your car is damaged due to accidents, collisions with vehicles, animals, or immovable objects.
- 02
Natural Calamities Protection
It provides compensation for damages caused by natural disasters such as floods, earthquakes, cyclones, lightning, or falling trees.
- 03
Theft Coverage
It offers financial assistance if your car is stolen or damaged due to burglary.
- 04
Transit Damage Compensation
It covers damages incurred while transporting your car via railways, airways, or waterways.
- 05
No Claim Bonus (NCB)
You get up to a 50% discount on premiums for each claim-free year.
- 06
Add-On Covers
You can enhance your policy with optional add-ons like Zero Depreciation, Roadside Assistance, Engine Secure, Return to Invoice, and Key Replacement.
- 07
Personal Accident Cover
It provides coverage up to ₹15 lakh for the owner-driver in case of accidents.
- 08
Wide Network of Cashless Garages
You can access thousands of cashless garages across India for hassle-free repairs.
- 09
Easy Online Purchase and Renewal
You can buy or renew your policy online quickly and conveniently.
- 10
Dedicated Claim Assistance
You receive support from claim experts for fast and easy claim processing.
Motor Insurance Plans By TATA AIG
What Does TATA AIG Own Damage Car Insurance Cover and Not Cover?
What it Covers
Here are some of the medical expenses that TATA AIG Own Damage car insurance covers:
Damages from accidents or collisions.
Losses due to floods, fires, or other natural disasters.
Damage from riots, vandalism, or stone pelting.
Car theft or burglary.
Personal accident cover up to ₹15 lakh.
Damage during transport by air, rail, or water.
What Does it not Cover
These medical risks and expenses are not covered under TATA AIG Own Damage car insurance:
Driving under the influence of alcohol.
Driving without a valid license.
Third-party damages or injuries.
Depreciation without a zero-dep add-on.
Damages outside India.
Mechanical or electrical failures.
Losses due to war or nuclear risks.
Benefits of TATA AIG Own Damage Car Insurance Cover
Here are the benefits of TATA AIG Own Damage Car Insurance Cover:- TATA AIG Own Damage covers your car against accidents, fire, theft, and natural disasters.
- It offers add-ons like zero depreciation and engine protection.
- This cover provides a No Claim Bonus for claim-free years.
- You will also get coverage for damage during transport by air, rail, or water.
- It protects against riots, vandalism, and stone pelting.
- This pays the car’s full insured value in case of total loss or theft.
- Ensures peace of mind with financial protection for your car.
FAQs
It is a policy that covers damage to your own car due to accidents, theft, fire, natural disasters, or man-made events like riots or vandalism.
No, it only covers damage to your own car. You need a separate third-party policy to comply with legal requirements.
You can add Zero Depreciation, Engine Secure, Roadside Assistance, and Return to Invoice for better coverage.
The premium depends on your car’s age, model, fuel type, location, and the chosen add-ons.
No, regular wear and tear or mechanical issues are not covered under this insurance.
If your car is stolen, TATA AIG will compensate you with the Insured Declared Value (IDV) of your vehicle.