Comprehensive Policy Tata AIG Motor Insurance

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Owning a vehicle offers convenience. However, that isn't the only point. In India, a vehicle is more than just a means of commute and convenience. In fact, it is a dream for which many save for years. In that case, simply having a vehicle is not enough. It is also important to keep it safe and insured against unpredictable and unexpected road accidents, thefts, and other disasters. Here comes motor insurance that provides financial safety against such unwanted circumstances.

With the TATA AIG Motor Insurance Comprehensive Policy, you enjoy a variety of benefits. From protection against theft to natural calamities, from cover for personal injuries to third-party liabilities, the coverage is vast. Plus, you get access to a wide network of garages, an easy claim settlement procedure, and much more. Continue reading to know more about the TATA AIG Motor Insurance Comprehensive Policy.

Highlights of Comprehensive Policy Tata AIG Motor Insurance

Access to a wide pan-India network of 8700+ cashless garages.

Customised coverage with access to a variety of add-ons.

24*7 assistance to keep you covered all around the clock.

A high claim settlement ratio indicates that claims are settled quickly and easily.

Get all your insurance related queries answered

Wish to Enhance Your Coverage? Take a look at the Riders Available with TATA AIG Motor Insurance Comprehensive Policy

No matter how comprehensive your policy is, there are certain benefits you always feel are missing and want to add. With TATA AIG Motor Insurance Comprehensive Policy wide range of riders, now you may easily do the same. These riders make your policy more customised as per your needs and well-rounded. Here are some popular add-ons you may want to consider.

Add-On Covers	Details
Zero Depreciation Cover	With this rider, you ensure the depreciation accumulated on your bike part is not deducted during the ng of claims.
Emergency Medical Expenses	This rider ensures coverage of transportation and medical expenses in the event of an accident.
Consumables Expenses	With this add-on, you ensure to extend the coverage of your comprehensive policy. This rider ensures to cover the repair and even replacement cost of your bike consumables that are listed in the rider.
Roadside Assistance Cover	With this rider, you can rest assured that you will no longer worry about being stranded on the road in case of vehicle failure. Instead, you get access to 24*7 support teams that can help you with problems like battery replacement, fuel replacement, towing, etc.
Return-to-Invoice Cover	With this rider, you ensure that you receive the claim for the invoice cost of your bike insurance case if it is completely damaged or stolen.
Engine Secure Cover	With this rider, you enhance your coverage and secure repair and replacement expenses for parts like the gearbox, engine, etc.
Key Replacement	This rider can be used to cover the cost of stolen or lost keys.

TATA AIG Motor Insurance Comprehensive Policy: Highlights

Here are some of the highlights of the TATA AIG Motor Insurance Comprehensive Policy:

Particulars	Details
Policy Name	TATA AIG Motor Insurance Comprehensive Policy
Insurance Company	TATA AIG General Insurance Company Limited
Benefits	Legal requirement Zero depreciation cover Protection against theft Financial protection against natural calamities Financial protection against man-made disasters Cover against damages Protection against personal injuries Third-party liability coverage Transit damage Peace of mind
Availability	24*7
Network Garages	8700+ network garages
Policies Issued	1 crore +
Customers Served	5 crore +
Cash Settlement Ratio	95.43% (2023-24)

Features and Benefits of the TATA AIG Motor Insurance Comprehensive Policy

As mentioned, the TATA AIG Motor Insurance Comprehensive Policy has a lot to offer. Once you understand the features and benefits of the plan, you'll be better able to decide if this plan is a suitable fit for your vehicle. So, here are some compelling features and benefits of the TATA AIG Motor Insurance Comprehensive Policy that you might want to know.

Legal Requirement

Having a comprehensive policy surely helps you get coverage. But that isn't the only benefit you're getting. In fact, having third-party insurance is a must for a vehicle on the road, as per the Motor Vehicle Act, 1988. This means with TATA AIG Motor Insurance Comprehensive Policy, you ensure legal compliance, safety, and responsibility at the same time.

Financial Protection

Your vehicles are precious to you. However, that doesn't simply mean they are immune to accidents and other mishappenings, no matter how much you prepare. The next best scenario is to insure your vehicle. With TATA AIG Motor Insurance Comprehensive Policy, you ensure that it is your insurance that covers the cost of repairs and other damages and not you. Therefore, it helps you save in the long run.

Vast Coverage

One of the striking features of the TATA AIG Motor Insurance Comprehensive Policy is its extensive coverage. The policy offers benefits like cover for personal accident and injuries, third-party liabilities, protection against theft, natural and man-made calamities, and much more. Not to forget the riders that can be chosen as per your preferences.

Personalised Coverage with Add-Ons

As mentioned, another prominent feature of the TATA AIG Motor Insurance Comprehensive Policy is that you get to make your policy more personal and better suited to you. You get access to a variety of riders like daily allowance, no claim bonus, roadside assistance cover, key replacement, engine secure, tyre secure, etc.

High Claim Settlement Ratio

With TATA AIG General Insurance, you do not have to worry much about claim settlements. The company's high claim settlement ratio speaks of its dedication towards its customers. Additionally, you also get access to 24*7 customer support that you may reach out to in case of any query.

Zero Depreciation Cover

Another prominent benefit of the TATA AIG Motor Insurance Comprehensive Policy is the zero depreciation add-on. This ensures the depreciation accumulated on your bike parts isn't deducted from the sum assured.

No-Claim Bonus

With the No-Claim Bonus benefit, you ensure you earn rewards for reaching a claim-free year. These rewards can ultimately be used to avail premium discounts and make your policy more affordable and cost-effective.

Quick Claims

With TATA AIG Motor Insurance Comprehensive Policy, you get the assurance that whenever you get your vehicle repaired at our network garages, the claim process is easy, quick, and cashless, with no hassle.

Access to pan-India Garages

Another prominent feature of the TATA AIG Motor Insurance Comprehensive Policy is related to its wide network of cashless garages. These allow you easy repairs, no matter where you are, given that the damage is not outside the geographical boundaries of India.

TATA AIG Motor Insurance Comprehensive Policy: What is Covered?

Here is a list of policy inclusions that you may use to understand what is covered under your TATA AIG Motor Insurance Comprehensive Policy. Consider giving it a look.

Third-Party Liability

Any expenses incurred due to damage caused to a third-party property or vehicle are covered.

Protection Against Personal Injuries

Financial coverage is also available in the event of any personal injury or damage resulting from an accident.

Transit Damage

The comprehensive policy also covers repair costs in the event that your vehicle is damaged during transit.

Accidental Damages

Damages caused to your own vehicle, such as dents and scratches, after an accident are also covered.

Protection Against Natural Disasters

Financial protection is also offered against damages caused by natural calamities, such as floods, earthquakes, and frost.

Protection Against Man-Made Calamities

Any damage caused by human-made acts, such as strikes, riots, and attacks, is also covered.

Vehicle's Theft

With a comprehensive policy, you also receive your vehicle's Insured Declared Value (IDV) in the event of theft.

Pros & Cons of Comprehensive Policy Tata AIG Motor Insurance

The comprehensive car/bike plan would cover you against the liabilities that arise out of accidents caused by the insured vehicle. So, whatever damages are caused to third-party people or vehicle would be paid for by the insurer in a quick and hassle-free manner

The plan also pays for the damages caused to the insured car or bike. So, be it damages caused due to natural calamities or are done by human, the policy covers them

The comprehensive policy also comes with a personal accident cover to ensure the safety of the owner/driver of the insured vehicle in case of accidents

The wide ranging and appealing add-ons that come with the comprehensive car/bike insurance policy help in enhancing the base coverage of the vehicle

What more! the comprehensive plan would ensure complete peace of mind to the policyholder and it will save the insured against traffic violation

Further, coverage is also offered on CNG/LPG fuel kit (in case of four-wheeler)

The plan doesn’t cover the damages done to a vehicle if the motorist is driving without a valid license or without using safety gears

If the vehicle is damaged outside the geographical area or outside the country, the damages are not covered

If the person driving the two/four-wheeler is under the influence of alcohol, drugs or any other intoxicating substances, the damages caused are not covered

The plan further doesn’t cover the ordinary wear and tear that are caused due to daily use and depreciation of the vehicle as well as general maintenance costs

Damages caused due to the negligence of the driver or if the damages caused while using the private vehicle for commercial purposes are also not covered under the comprehensive plan.

Our Verdict on TATA AIG Motor Insurance Comprehensive Policy

Motor insurance helps enhance your vehicle's safety. Not only does it reduce your financial burden, but it also makes you a responsible owner. Further, with a comprehensive policy like the TATA AIG Motor Insurance Comprehensive Policy, you get access to a wide range of perks. From extensive coverage to personalised add-ons, you secure maximum protection for your bikes and cars. Moreover, with quick claims and customer support, the team ensures you do not face any hassle during claim filing and settlement. Having such a policy can help you have the peace of mind of doing enough.

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Tata AIG
Motor Insurance Company

AIG, the American International Group. The company has grown to emerge as the preferred general insurance in India’s private sector, with several pioneering firsts to its credit. The company began its operations on January 22, 2001, and has completed 21 years of service in India. Tata AIG General Insurance Company Limited is one of the pre-eminent players in the non-life insurance sector.
The company offers a huge number of general insurance plans for individuals and businesses, including a comprehensive range of insurance solutions for cargo, liability, personal accident, extended warranty, marine, cargo, rural, agriculture insurance, travel, etc.

Founded In

2001

Claim Incurred Ratio

74%

Turnover (GWP)

INR 134,48+Crores

JV Partners

Tata Group & the American International Group (AIG)

Claims Experience

Claims Experience Rating 4.7

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

99%

Network Garage –

10,000+

Benefits of Comprehensive Policy Tata AIG Motor Insurance


Coverage against Own Car Damages	Get coverage against damages to your car
Easy and Smooth Repairs	Easy and quick repairs without hassle
Wide Network Garages	Wide network garages for cashless repairs
Easy Claim Settlement	Fast and hassle-free claim settlement
Add-on covers	Encompass policy coverage with Add-on benefits
NCB protection	NCB benefits for every claim-free year

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Ask Anything as We Have Answers to Everything in Insurance

You can get online insurance quotes for your vehicle by visiting the official website of Tata AIG. You simply need to fill in some basic details of the vehicle like model number, the registration details, mobile number etc., to receive quotes online.

You can calculate premium by visiting the Tata AIG official website where you can easily find the vehicle insurance calculator for car and bike.

Yes, you can use a car/bike insurance calculator during the renewal of your vehicle insurance policy to add or remove riders, to adjust coverage and to make better use of your NCB points.

Yes, the car model is one of the important factors that go into calculating your vehicle insurance premium.

It can be done by using the car/bike insurance calculator by entering details in the application or tool to get the desired quotes for your new car/bike insurance quickly in simple steps.

There are different types of motor insurance available. For instance, you have third-party liability cover, an own damage policy, and a comprehensive policy that offers the benefits of both.

Well, having at least a third-party cover is mandatory in India as per the Motor Vehicles Act. Other than that, having motor insurance ensures the safety of your vehicle and finances in case of an unwanted accident.