- Save upto 75%*Lowest Car Premiums
- 11.5 Lakh+Happy Customers
- Claim Support7 days a week
*TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
Tata AIG Car Insurance Add-on Covers
Tata AIG General Insurance offers a diverse variety of add-on covers with its private car package policy and standalone own-damage car insurance policy. These add-ons help policyholders broaden the coverage of their plan.
Tata AIG - 13 Important Add-on Covers For Your Car Insurance Policy
1. Nil Depreciation Cover
The value of your car depletes with time due to which your car insurance coverage reduces too. However, with this nil depreciation add-on cover you get the enhanced compensation against your car insurance as it reduces the depreciation cost of all the parts of your car excluding tyre, tube and battery, where just 50% depreciation is exempted. Hence, you can get an increased claim amount by paying an additional premium to include this add-on in your plan.
2. Daily Allowance Cover
This add-on cover offers you a fixed amount to compensate for your transportation expenses which may arise due to the unavailability of your car due to under repair for a valid claim. However, allowance is given only if your car repair work takes more than 3 days at the insurer’s network garage. The allowance is available for a maximum 10 days during repair work, but in the case of theft or total loss it can reach up to 15 days.
3. Return to Invoice Cover
The Return to Invoice is an add-on cover that compensates the amount of difference between the invoice value of your car and its Insured Declared Value (IDV). With this cover, you can avail reimbursement of your total loss incurred, which means its on-road price that you actually paid while purchasing it, if your car goes missing or suffered a total loss due to an accident. Invoice price which includes road-tax and registration charges in addition to the IDV is provided under this add-on in case of theft and total loss of your car.
4. No Claim Bonus Protection Cover
By not making any claim in the policy period you can get a reward in terms of a discount known as No Claim Bonus (NCB). The bonus can be accumulated with every claim-free year and it ranges from 20% to 50% and is applicable on its own-damage premium. But, it can go null and void if any claim is made during the policy period. Therefore, No Claim Bonus Protection Cover is designed to protect your NCB reward, even if you make any claim.
5. Loss of Personal Belongings Cover
This add-on cover offers compensation for the damage or loss incurred by your personal belongings present in your car during the loss or damage caused to the car for more than Rs. 250. The coverage is given for clothes, belt, audio or video CDs etc.
6. Repair of Glass, Fibre, Plastic & Rubber Parts Cover
With this add-on cover, if you choose to get your glass, plastic, rubber and fibre parts of your car repaired instead of getting them replaced at an insurer authorised dealer or network garages, it will not affect your No Claim Bonus (NCB) status during the time of renewal. However, such claims should not be made more than one time during the policy period.
7. Emergency Transport & Hotel Expenses Cover
If your car becomes immobilised due to a mishap or an accident, then this add-on cover compensates your overnight stay cost and taxi fare involved in coming back to your home or to the nearest place you were going to.
8. Key Replacement Cover
The Key Replacement Cover is an add-on that offers compensation for the cost of replacing your car’s keys, if they go missing or stolen.
9. Hire Car Cover
The Hire Car add-on cover arranges a car for your daily commute, while your car is under repair at the insurer's network garage for a valid claim. However, this car replacement or hire car benefit is offered only if your car stays for more than 24 hrs or the claim is for car’s theft or total loss. The allowance is available for a maximum of 10 days while your car is being repaired, but can be increased to up to 15 days in the case of theft or total loss claim.
10. Engine Secure Cover
The engine secure add-on covers the replacement or repair costs for the loss or damage caused to internal parts of the gearbox and engine of your car due to leakage of lubricating oil from the engine and ingression of water in the engine. This is a cover that is available for cars up to 5 years of age.
11. Tyre Secure Cover
It offers compensation for the repair and replacement costs that arise due to accidental damage or loss incurred by tubes and tyres only, which results in puncture, tyre burst, etc. This add-on cover is applicable only for cars aged up to 5 years.
12. Consumable Expenses
This consumable expenses add-on offers the coverage for the costs of consumables that need to be replaced or refilled due to an accident of your vehicle. The consumables which are covered under this add-on benefit include engine oil, lubricants, nuts & bolts, screws, distilled water grease, gearbox oil, bearings, washers, brake oil, air conditioner gas and much more.
13. Roadside Assistance Cover
The roadside assistance is an add-on cover which offers the coverage for the repair & towing assistance such as flat tyre service, flat battery, on the spot repair, key retrieval, emergency fuel delivery, and so on. By paying an additional premium you can get this cover and find assistance if your car experiences any mechanical failure or breaks down anywhere on the road or at home.
Calculate Your Car Insurance
Explore Tata Aig Car Insurance
Must Read Articles before buying Tata Aig Car Insurance
- Read this post to learn about some things to think about before buying a Tata AIG vehicle insurance coverage.
- Taking care of your vehicle should never be a financial strain
- To ease seamless vehicle transfers, the Transport Ministry has developed a new Number Series known as the Bharat Series.
- Car insurance is not difficult to obtain. You should get automobile insurance to protect your finances.
- Read on to learn about key considerations to make when purchasing Tata AIG auto insurance.
TATA AIG Car Insurance User Reviews
- Most Helpful
- Cashless Garages
- Add On
191 Tata Aig Cashless Garages in India
Tata AIG Car Insurance Add-On Cover FAQs
How many add-on covers are offered by the Tata AIG car insurance plans?
The Tata AIG car insurance policies are available with 13 car insurance add-on covers that include Nil Depreciation Cover, Daily Allowance Cover, Return to Invoice Cover, No Claim Bonus Protection Cover, Loss of Personal Belongings Cover, Repair of Glass, Fibre, Plastic & Rubber Parts Cover, Emergency Transport & Hotel Expenses Cover, Key Replacement Cover, Hire Car Cover, Engine Secure Cover, Tyre Secure Cover, Consumable Expenses, and Roadside Assistance Cover.
Will I have to pay for an extra premium cost to avail add-on covers?
Yes, you can opt for add-on covers only by paying an additional premium amount in addition to the regular amount of premium for the base insurance policy.
Is it mandatory to add an add-on cover in my car insurance policy?
No, it is not compulsory to include an add-on cover in your car insurance plan. The add-on covers are available as an option to increase the coverage of your insurance policy by offering extended benefits.
When can I purchase add-on covers in my Tata AIG car insurance plan?
You can opt for the add-on covers in your car insurance policy either at the time of policy purchase or during the policy renewal time.
How many add-on covers I can include in my policy at a time?
There is no limit to buy add-on covers. You can include as many add-on covers as you want in your car insurance policy on the basis of your needs and budget.
Why to buy from InsuranceDekho?
- Instant policy # within 5 mins
- More than 45 Lac happy customers
- Claim Support available all 7 days of the week
Car Insurance News
- What Is KP In Car Insurance?
Learn more about KP in car insurance.26 September 2022
- List of Top Car Insurance Companies In India
Your search for top car insurance companies ends here. This ...23 September 2022
- All You Need To Know About The Risks Covered By Th...
Here's everything you need to know about risks covered by co...21 September 2022
- Easy Steps For Renewing Expired Car Insurance Poli...
Here are a few tips to help you understand how to renew car ...19 September 2022
- Detailed Guide On How To Claim A Car Insurance Onl...
Unfortunate things happen. An insurance plan can be a ray of...16 September 2022
- Can I Claim Insurance For Car Scratches In India?
Know all about how to claim insurance for car scratches in I...19 August 2022
- Is It Mandatory To File An Fir Before Claiming For...
In case of any car accident, the major question is if an FIR...16 August 2022
- Which is Better: Acko Or Hdfc Ergo?
There are several types of car insurance plans available in...22 August 2022
- What Should You Know About Bharat Series License P...
In order to ease seamless vehicle transfers, the Transport M...02 August 2022
- Learn Everything You Can About Public EV Charging ...
Are you thinking of buying an electric vehicle? What you nee...01 August 2022