TATA AIG Insurance
Tata AIG is one of the most trusted motor insurance brands in India, offering a range of comprehensive coverage options for your car and two-wheeler, along with digital convenience and best-in-class customer service.
Top rated plan
from 5 Insurance plans
Features
Copayment
Inclusion
Third party injury
Covers any injury/death caused due to accidents outside the vehicle
Third party property
Covers any damage/loss to third party property
Own damage
Covers repair/replacement costs of your vehicle damaged in an accident
Claim process
About
Tata AIG General Insurance Company Limited is a joint venture company between Tata Group and American International Group (AIG). Tata AIG General Insurance Company Limited celebrates 23 years of service as on 2023, since it commenced operations in India on January 22, 2001. The Company has grown strongly to emerge as the preferred private general insurance company in India with several pioneering firsts to its credit.
Driven by a mission to create better tomorrows for Customers by delivering trustworthy and innovative risk solutions, Tata AIG’s broad portfolio of protection covers are backed by years of professional expertise in product offerings, exceptional service capabilities and seamless claims process management. The Company offers a wide range of general insurance covers for businesses and individuals including a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc.
The fine print
Download the full policy brochure
Motor Insurance
Features of Motor Insurance
Legal Compliance
Third-party insurance is mandatory as per the Motor Vehicles Act, 1988 and available across all standard plans
Wide Garage Network
Many insurers provide access to thousands of authorized cashless garages.
Own Damage Cover
Optional protection for your vehicle against accidents, theft, fire, and natural calamities.
Third-Party Liability
Covers injury or property damage caused to third parties by your vehicle.
Digital Claims Process
Claim filing, tracking, and approval can often be managed online or through a mobile app.
Customizable Add-Ons
Riders typically prefer options such as zero depreciation, engine protection, and return-to-invoice coverage.
Categories of Motor Insurance
Car Insurance
Typically includes protection for private four-wheelers against damage, theft, and liability, with flexible add-on options available.
Two-Wheeler Insurance
Offers coverage for bikes and scooters, including accident damage, theft, natural disasters, and third-party obligations.
Commercial Vehicle Insurance
Covers commercial vehicles against operational risks, third-party liabilities, and vehicle-related damages.
Car Insurance
Typically includes protection for private four-wheelers against damage, theft, and liability, with flexible add-on options available.
Two-Wheeler Insurance
Offers coverage for bikes and scooters, including accident damage, theft, natural disasters, and third-party obligations.
Commercial Vehicle Insurance
Covers commercial vehicles against operational risks, third-party liabilities, and vehicle-related damages.
Type of Motor Insurance
Covers third-party injury, death, or property damage involving your vehicle
All vehicle owners (legally mandatory)
- Third-party bodily injury
- Third-party property damage and legal expenses
- Own vehicle damage
- Personal accident cover
Reasons to Buy Insurance
Legal Compliance
Driving without at least third-party insurance is illegal in India.
Covers Expensive Repairs
Helps offset high repair or replacement costs due to accidents or disasters.
Third-Party Risk Mitigation
Protects you from liability in case of injury or damage to others, offering damages (to the third party) and legal costs.
Personal Accident Cover
Offers financial protection in case of serious injury or death of the insured driver.
Customization Options
Tailor your policy with relevant add-ons to enhance coverage.
Convenient Digital Process
From purchase to claims, most steps can be completed online.
Things to Consider While Buying Motor Insurance
What Impacts Your Motor Insurance Premium?
Motor insurance premiums are affected by the vehicle’s type, usage, age, location, coverage selected, and additional riders chosen
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Enter Vehicle Details
Provide your vehicle's registration number, model, and other details.
Select Coverage Type
Choose between third-party, own-damage, or comprehensive coverage.
Compare Policies and Add-Ons
Evaluate available plans and select necessary add-ons like zero depreciation or roadside assistance.
Fill Out Personal Information
Enter your name, contact details, and nominee information.
Review and Make Payment
Carefully review the policy terms, conditions, and exclusions. Proceed with the payment.
Receive Policy Documents
After successful payment, the policy documents will be sent to you digitally for easy access.
How to File a Motor Insurance Claim?
You can file a claim in two primary ways: 1) Cashless Claim: At a network garage, where the insurer pays the garage directly 2) Reimbursement Claim: You pay for the repairs, and the insurer reimburses later
FAQs
Is it necessary to have motor insurance for my vehicle?
Yes, third-party motor insurance is legally required for all vehicles in India.
What kinds of motor insurance plans are available?
Most providers offer third-party, own damage, and comprehensive insurance policies.
Can I customize my motor insurance policy with add-ons?
Yes, optional add-ons like zero depreciation and engine protection can be added for enhanced coverage.
Is digital claim filing available with most insurers?
Yes, many insurers support online or app-based claim filing and tracking.
How do I decide the right IDV for my vehicle?
The IDV should reflect the market value of your vehicle; choosing too low or too high can affect both the claim payout and premium
Are personal accident covers included?
Most policies include personal accident cover for the owner-driver as mandated by IRDAI.
What documents do I need to submit for a claim?
Commonly required documents include RC, driving license, insurance policy, FIR (if needed), and a repair estimate.
Is there a penalty for not having motor insurance?
Yes, driving without valid motor insurance can lead to fines and legal penalties. Continuous offence can even lead to the impounding of a vehicle.
Can I renew my policy online?
Yes, renewal is typically available online for most insurers through their portals or apps.
What is the benefit of No Claim Bonus (NCB)?
NCB rewards claim-free years with premium discounts, which are transferable at the time of renewal or when switching insurers.
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