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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.

Must Read Articles before buying Tata Aig Car Insurance

TATA AIG Car Insurance User Reviews

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  • Awesome Buying Experience

    Good experience while purchasing two-wheeler third-party insurance on the insurance dekho portal. All most all insurers are available.

    By Vinit Bansal
    On: March 2, 2024
  • Customer-Centric Approach to T...

    InsuranceDekho's customer-centric approach extends to their Third-Party Car Insurance for my Chevrolet car. The Tata AIG Car Insurance Policy ensures that you understand the legal requirements and make the process hassle-free.

    By Vibhas Mahendru
    On: October 18, 2023
  • Convenient Payment Settlement

    Settling payments after repairs at a cashless garage with InsuranceDekho’s Tata AIG Car Insurance Policy is convenient for my Honda car. It's one less thing to worry about during a challenging situation.

    By Brahmjot Singh
    On: October 16, 2023
  • Efficient Repairs and Assistan...

    In the unfortunate event of an accident of my Ford car, I knew that InsuranceDekho's comprehensive coverage will ensure efficient repairs and assistance. The Tata AIG Car Insurance Policy is a comforting safety net.

    By Nisar Ahmed
    On: October 12, 2023
  • Transparent Policy Details for...

    One of the things I appreciate most about InsuranceDekho is their transparency in presenting policy details. They provide all the necessary information, including terms and conditions, coverage limits, and exclusions, upfront. This made it easier for me to make an informed decision to buy the Tata AIG Car Insurance Policy for my Mahindra car.

    By Anya Shukla
    On: September 27, 2023
  • No Out-of-Pocket Expenses

    I appreciate that I didn't have to pay out-of-pocket expenses at InsuranceDekho's cashless garages. The Tata AIG Car Insurance Policy that I bought for my Skoda was a life saver. It's a huge relief during unexpected repair situations.

    By Ronit Shetty
    On: September 25, 2023
  • Prompt Assistance during Emerg...

    During a roadside emergency with my Toyota car, the Tata AIG Car Insurance Policy that I took from InsuranceDekho's comprehensive coverage provided prompt assistance. They ensured my car was back on the road in no time.

    By Samara Gupta
    On: September 21, 2023
  • Timely Renewal Certificates

    The renewal certificates from InsuranceDekho are always provided promptly. This attention to detail makes the renewal process for the Tata AIG Car Insurance Policy for my Skoda car reassuring and stress-free.

    By Tanisha Mahajan
    On: September 18, 2023
  • Peace of Mind in Every Drive

    With InsuranceDekho's own damage policy, I enjoy peace of mind during every drive. This benefit along with the Tata AIG Car Insurance Policy is a safety net that keeps my Kia car secure.

    By Sheila Prathan
    On: September 13, 2023
  • Accurate Estimates for Informe...

    InsuranceDekho's premium calculator provided accurate estimates, which allowed me to make informed decisions about my car insurance. I finally bought the Tata AIG Car Insurance Policy for my Audi car.

    By Priya Pulkit
    On: September 11, 2023

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.

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