Tata AIG Strengthens Car Insurance Coverage and Benefits

Tata AIG General Insurance Company is enhancing the motor insurance experience for Indian vehicle owners. The company's latest upgrade of its car insurance policies is designed to respond to the complicated risks associated with modern driving and provide broader protections from accidents, theft, natural disasters, mechanical breakdown, terrific savings, and a seamless digital purchasing process.

With the increasing number of vehicles on India's roads and growing challenges, Tata AIG's reinvigorated commitment to customer-driven innovation provides drivers the peace of mind that they can securely protect their vehicles, while also benefiting from efficient claims, trusted repair networks and easy online access to their information. This milestone represents Tata AIG's continuous focus on insurance products designed for the needs of today's modern and responsible driver.

Introducing Zero Depreciation Car Insurance

Zero Depreciation Car Insurance is an important add-on cover offered by Tata AIG that eliminates depreciation deductions on replaced parts during a claim. Unlike standard policies where depreciation is deducted as per the vehicle’s age and type of parts, this cover ensures full claim settlement on the cost of parts replaced after an accident or damage.

Key Features:

• Full claim settlement without depreciation deduction on parts replaced under the own damage claim
• Applicable to parts including plastic, rubber, fibre, and metal components
• Available as an add-on with the Auto Secure Private Car Package Policy
• Helps protect insured from out-of-pocket expenses related to part depreciation

Benefits:

• Ideal for new, luxury, or premium vehicles where repair costs are higher
• Reduces the financial burden during claim settlements by covering 100% of part costs
• Particularly useful in urban driving conditions where minor damages and part replacements are frequent

This cover is subject to terms and conditions as detailed in the policy wordings and is available on a chargeable basis with Tata AIG’s comprehensive motor insurance plans.

Enhanced Coverage Designed for Real-World Needs

Broad Peril Coverage: Covers fire, theft, burglary, natural disasters (earthquake, flood, cyclone), malicious acts, terrorist activity, and transit damages. This extensive list ensures coverage for situations often excluded by competitors, making the policy reliable against diverse real-world risks.

Generous Claim Benefits (Protection, Removal, Redelivery Costs):  Pays reasonable costs up to Rs.1500 for protecting, removing and delivering the vehicle after being damaged. Many insurers do not cover logistical incidents, so this benefit reduces financial strain and the operational fuss involved in making claims.

Personal Accident Cover for Owner-Drivers:  Provides a payout of up to Rs 15 lakhs for injury or death related to the insured vehicle. In many policies, personal accident coverage is limited or offered as a separate policy, but Tata AIG includes this cover to provide the vehicle owner full protection.

Flexible and Extensive Add-On Covers:  Offers various add-ons such as NCB Protection, zero depreciation car insurance, Depreciation Reimbursement, Return to Invoice, Engine Secure, Electric Surge Secure, Tyre Secure, Loss of Personal Belongings, Key Replacement, and Roadside Assistance. This level of customisation allows customers to select exactly the protection they need, unlike competitors who may offer limited or inflexible add-ons. Among these, zero depreciation car insurance is a key feature that helps reduce claim costs by covering the full cost of replaced parts without depreciation deduction.

Specialised EV Protection (Electric Surge Secure):  Covers battery and charging equipment damage caused by electrical faults or water ingress. Many insurers exclude these EV-specific risks, while Tata AIG comprehensively addresses electric vehicles' unique vulnerabilities.

Consumer-Friendly Repairs for Glass, Fibre, Plastic & Rubber Parts:  Repairing these parts without replacement at authorised centres does not affect the No Claim Bonus. This encourages cost-effective repairs and protects customer premiums, whereas competitors often penalise any claim.

Reimbursement for Consumable Expenses:  It covers consumables like engine oil, lubricants, and filters that have been replaced due to accident damage. Typically excluded by others, this reduces customers’ out-of-pocket costs during repairs.

Daily Allowance and Courtesy Car Benefits:  Provides daily rental allowance or hire car service for up to 15 days when the insured vehicle is under repair or declared a total loss. This feature enhances convenience by minimising disruption to customers’ daily mobility, a benefit not always matched by others.

Emergency Transport and Hotel Expenses:  Covers taxi fares and hotel stay costs if the vehicle becomes immobilised after an accident. This adds a layer of support beyond vehicle repair, highlighting Tata AIG’s customer-centric approach.

Repairs Only at Authorised Garages:  Ensures genuine parts and quality workmanship, protecting vehicle integrity and resale value. Many insurers allow repairs at unauthorised workshops, which can compromise quality.

Clear Depreciation and Exclusion Policies:  Transparent schedules for depreciation and clearly defined exclusions reduce ambiguity and speed up claims processing. This clarity improves customer trust compared to competitors with vague or complex terms.

Attractive Discounts to Make Insurance More Affordable

While comprehensive protection is essential, affordability remains a key concern for many customers. Tata AIG has introduced significant discounts to encourage timely insurance purchases and renewals without compromising quality.

New vehicle buyers purchasing policies car insurance online can avail of discounts of up to 85%, allowing them to protect their vehicles early while saving money. Rollover policies now come with discounts of up to 75% for vehicles older than three years, supporting long-term customers in maintaining continuous coverage at reduced costs.

By offering these discounts, Tata AIG helps reduce the overall cost of vehicle ownership and encourages responsible insurance habits among drivers. Buying car insurance online with Tata AIG also provides quick policy issuance and easy access to all add-ons, including zero depreciation car insurance, making the process smooth and convenient.

Access to a Wide Network of Authorised Garages

Quality repairs are necessary for maintaining the value and safety of a vehicle. Together, Tata AIG gives access to 7,500 authorised garages across India to ensure customers get professional repairs using OEM parts at trusted service centres. The cashless repair facility at these garages further decreases financial burden and simplifies the repair experience ,adding another level of convenience and satisfaction to the customer.

Tata AIG's enhanced car insurance guides today's car drivers in India with positive protections. From a long list of risks and special electric vehicle benefits, there is also an expansive list of different coverage options to choose from ,including a zero-depreciation car insurance. Customised to fit your needs, with discounts, a large number of trusted garages, and available customer assistance, Tata AIG underpins a sense of comfort by providing an effortless and trustworthy method to protect your vehicle and a positive driving experience, based on a strong pillar such as the Tata Group.