Why should I take a two wheeler insurance plan?
Having an insurance policy is very important to run your bike on the road safely. People get two wheelers so that they can travel effortlessly. It often gives rise to several accidents that end up giving financial liabilities to the owner. Therefore, the insurance policy provides coverage against such uncertainties and protects the owner legally as well as financially.
What if I do not make a single claim in the entire policy period?
In case the policyholder does not claim for any benefit in the whole policy period, they will get a special discount in terms of No Claim Bonus. The NCB can be earned in the Own Damage section of the policy.
What are the exclusive benefits of buying Tata AIG two wheeler insurance?
There are some exclusive benefits provided by Tata AIG which makes it more attractive than others. It settles down the claim in just 15 days, once the claim is approved and you submit all the necessary documents. The policyholder can register the claim through any medium such as by contact through a toll-free number or email id. They can get cashless repair and replacement services anywhere in the country. At last, all the third party liabilities will be paid directly by the insurer on behalf of the policyholder.
What are the add-on covers under Tata AIG two wheeler insurance?
Tata AIG two wheeler insurance provides so many add-on covers such as Return to invoice, Cost of Consumables, Depreciation allowance, Loss of accessories, etc. It also offers Personal accident cover for both owner and driver.
How to get discounts under Tata AIG two wheeler insurance?
The policyholders can get discounts through various available options such as No claim bonus, Automobile association membership, Installation of anti-theft alarm and Voluntary deductibles.
Does the third party bike insurance policy provide coverage outside the geographical arena?
Each policy has a pre-decided geographical limitation for the policyholders. The TATA AIG third party bike insurance policy will not provide for any damage or injury to the third party that occurred outside the pre-decided geographical area.
How can I get the TATA AIG third party bike insurance policy?
You can get the TATA AIG third party bike insurance in the following three ways-
- Go to the official website
- Visit the nearest branch
- Call the toll-free number 1800 266 7780
What should I do in case of third party damage to avail the cov
It is necessary to inform the insurer immediately after an accident or mishap. You can call their toll-free number and register your request. You can also visit the nearest branch and inform the insurer.
Does the TATA AIG third party bike insurance cover the occupants carried in the third party vehicle?
The TATA AIG third party bike insurance policy provides coverage for any occupants carried in the third party vehicle. However, this will only be applicable if the occupants are not for hire or reward.
Does the TATA AIG third party bike insurance policy provide coverage for any damage to the insured bike?
The TATA AIG third party bike insurance provides coverage against the third party only. Any damage caused to the insured bike is excluded from the coverage of this policy. It will cover the damage or loss of third party and third party property.
How can I check the status of the policy after I have made the purchase?
After the purchase of the TATA AIG comprehensive, you get a registered username. You can check the policy status by logging in using the username and password on their official website.
How do I get in touch with TATA AIG immediately after an accident?
You can get in touch with TATA AIG immediately after an accident in the following ways.
- By dialling their official number: 1800 266 7780
- By visiting the nearest branch
What is the maximum tenure for TATA AIG comprehensive bike insurance policy?
The maximum tenure for TATA AIG comprehensive bike insurance policy is 3 years.
Can Add-ons be added in the middle of the policy period?
Yes, you can opt for add-ons in the middle of the policy period. However, the insurance company may conduct an inspection before including the add-on cover.
Does the change in my location affect my TATA AIG comprehensive bike insurance policy?
Every policy has its predetermined geographical extent. A change of your location would not affect your TATA AIG comprehensive bike insurance policy if it is not beyond the designated geographical boundary.
Can I get Zero Depreciation along with the third party insurance policy?
You can avail the Zero Depreciation cover only with the TATA AIG comprehensive and standalone own-damage bike insurance policies. The third party bike insurance policy does not offer Zero Depreciation or any other add-ons.
I do not live in an accident-prone area, do I still need to get the Zero Depreciation add-on?
Not living in the accident-prone zone reduces the chances of getting into accidents, however, it doesn’t get rid of the factor completely. Therefore, Zero Depreciation cover benefits people living in the accident-prone zone as well as people not living in the accident-prone zone.
Who should opt for the Zero Depreciation Cover?
Any bike owner can opt for the Zero Depreciation for availing the maximum coverage. However, this add-on is best suited for
- New bikes
- New/inexperienced drivers
- Owners with luxury bikes
Can I add the Zero Depreciation cover to my policy online?
Yes, you can add the Zero Depreciation cover to your policy online, by visiting the official website of TATA AIG bike insurance. You can add the Zero Depreciation cover to a new policy or to an existing policy. The cover can be added during the renewal as well.
Does Zero Depreciation add-on cover replacement of tyres?
Zero Depreciation add-on does not provide for repairing or replacing tyres. The depreciation charge for tyres with or without Zero Depreciation add on is 50%.
How can I track the status of my claim?
You can track the status of your claim through the official website of TATA AIG.
- Open the official website
- Click on “Claim” option
- Fill up the policy number and claim registration number.
- Click on “ Proceed”
The status of your claim will be shown.
Do I need to provide a copy of an F.I.R at the time of registering a claim?
Yes, you need to provide a copy of an F.I.R in case of bodily injury and theft for claiming your insurance.
What role does the surveyor have in the claim process?
When you raise a claim, a surveyor is sent by the insurance company to carry out an inspection in order to assess the extent of damage caused to your bike and to other vehicles (if applicable). The report produced by the surveyor is sent to the insurance company for further processing.
Do I need to carry my driving licence while claiming TATA AIG bike insurance?
Yes, you need to carry your driving licence while claiming TATA AIG bike insurance. You should make sure that the driving licence is valid.
When should I contact TATA AIG after an accident?
You should contact TATA AIG just after the accident. It is necessary to inform your insurer within 24 hours of the accident.
Can I modify the coverage of my TATA AIG bike insurance at the time of renewal?
Yes, you can modify the coverage of your TATA AIG bike insurance by including or excluding add-on covers at the time of renewal.
Can I transfer No Claim Bonus of the previous insurer to TATA AIG bike insurance?
Yes, the No Claim Bonus of the previous insurer can be transferred to TATA AIG to avail some discounts on the premium of the renewed policy.
What are the details that I need to provide to renew the policy?
The details required at the time of renewal of the policy are as follows.
- Policy Number
- Mobile Number
- Email id
- Telephone Number
- Product Name
- Expiry Date
Can I change my short term policy to long term policy at the time of renewal?
Yes, the tenure of the bike insurance policy can be modified at the time of renewal. You can switch from short term (1 year) plan to long term plan (3 years).
How do I receive the documents of the renewed policy if I opt for the offline process?
In case of the offline process, you receive the hard copy of your bike insurance at your residence address via courier within a few days after the purchase.
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