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Tata AIG Car Insurance Claim

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Highlights
    Network Garages5,000+
    Claim Settlement Ratio90.49%
    Emergency AssistanceAvailable 24/7
    Number of Customers5 crore+
    AccreditationiAAA Rating
    Presence190+ countries

    TATA AIG Car Insurance Claim Process

    TATA AIG has an easy, quick and hassle-free auto insurance claim procedure. It has a 5,000+ network of cashless garages pan India and features an impressive claim settlement ratio of 90.49%. The coverage of a claim depends on 2 things - the type of your auto insurance policy, whether you had opted for a third party cover or a comprehensive policy, and the add-ons opted in by you (if any).

    List of Documents Required During Claim Settlement

    To file a car insurance claim, the car owner has to submit the below-listed documents:

    • A copy of the driver’s license
    • A copy of the policy documents
    • The original keys to the vehicle
    • A copy of the vehicle’s Registration Certificate (RC)
    • A verified copy of the First Information Report (FIR)
    • The claim form, duly filled and signed by the insured
    • No Trace Report from the police in cases of theft of the vehicle
    • NOC and Form 35 from the lender where the car has an active loan
    • RTO transfer papers duly signed with Form 28, Form 29 and Form 30.

    How to Make Tata AIG Cashless Car Insurance Claim?

    TATA AIG provides free repair and replacement of the insured’s car in its network garages. To save the expense of damage to insured’s car, these are the simple steps that you should follow.

    Step 1: Contact the insurer

    It is necessary to inform the insurer immediately after the incident, be it theft, accident or any damage to the car. You can initiate the process by calling their toll-free number 1800 119966 or by sending the SMS “CLAIMS” to 5616181. In case of an accident, note down the number of the other vehicle. Collecting the details of the witnesses can help in the claim settlement process.

    Step 2: Register Claim

    Within 48 hours of receiving notice, the company contacts the policyholder within 48 hours. You must inform him of the incident, as well as your personal information and other relevant details. You will be led through the procedure by the representative.You have to download the claim form and fill up the details as well.

    Step 3: Survey of Damages

    The insurance company sends a surveyor to evaluate the extent of the damage done to the car during the accident.You have to hand over the documents and duly-filled claim form to the surveyor.

    Step 4: Claim Settlement

    Assessing all the aspects, the insurer confirms its liability and pays all the expenses of repair of the insured’s car to the network garage. The claim amount is calculated by factorising the deductibles and depreciation.

    How To Make Tata AIG Reimbursement Car Insurance Claim?

    TATA AIG provides its policyholders with the privilege to reimburse the expense of repair of the insured’s car if it is repaired in a garage other than network garage. The policyholder can undergo the reimbursement by following the simple steps mentioned below.

    Step 1: Contact TATA AIG General Insurance

    Informing the insurer about the accident/ theft of the insured’s car marks the first step to initiate the process. You can contact TATA AIG by dialling their toll-free number 1800 119966 or by texting “CLAIMS” to 5616181.

    Step 2: Register A Claim and Get Claim Reference Number

    The executive of the insurance company reverts back to you within 48 hours. You have to inform the executive about the policy number and details about the accident. The executive informs you about the procedure and makes an assessment of the cost of repair.

    Step 3: Survey of the Damages Incurred

    Before the car is sent for repairs, the company sends a surveyor to check its condition. After determining the extent of the damage, you must complete the claim form and submit it to the surveyor with the required documentation and proof.

    Step 4: Repair and Reimbursement

    You can now send the car to the garage of your choice. After the completion of the repair, you have to pay for the garage. These bills and receipts, along with policy documentation and a certificate of registration, must be given to the insurer in order to file a reimbursement claim. The company verifies the information before redistributing the claim amount, which includes any deductibles and depreciation.

    Common Tata AIG Car Insurance Claim Rejection Reasons

    Tata AIG put forward certain conditions that the policyholders should fulfil in order to settle the claims. The claim is rejected by the insurance company under the following conditions:

    • Intoxication
    • Act of negligence
    • Driving without license
    • Misinterpretation of facts
    • Registration of a fraud Claim
    • Claiming wrong coverage amount
    • Improper functioning of the vehicle parts
    • Lack of details required to process the claim
    • Delay in intimation about the mishap to the insurer.

    Tata AIG No Claim Bonus

    To avail your car insurance plan to the fullest at a reasonable rate, you must earn a No Claim Bonus benefit. The NCB is a reward given by Tata AIG General Insurance to policyholders who have not made a claim in the old policy year at the time of renewal.While purchasing a car insurance plan there is no NCB, but policyholders can earn this discount with every consecutive claim-free year with which they can reduce their own-damage car insurance policy premium for the next year. The no-claim bonus ranges from 20% and accumulates with every claim-free year up to 50%.

    To keep this No Claim Bonus, one should renew car insurance policy on time, i.e., before the date of expiry. If a policyholder fails to renew his or her car insurance policy on time, the insurer allows it to renew it in the grace period which is 90 days from the expiry date. But, if the policy is not renewed even then, the NCB benefit shall become lapsed.Since the NCB benefit is given to the policyholder rather than the vehicle, it can be transferred to another car. You must transfer it to your new car while selling your old car or switching plans. Lastly, even the smallest claim might lead to you losing your NCB benefit, so try and cover minor expenses on your own.

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    191 Tata Aig Cashless Garages in India

    TATA AIG Car Insurance Claim FAQs

    • How many times can I make a claim during the policy period?

      You can make any number of claims cumulatively not exceeding 75% of the IDV value. However, claim against a zero depreciation can be made only twice.

    • How long is the policy period?

      A policy period is generally of 1 year. However, you can opt for longer policy periods as well with 3 years, 5 years, etc.

    • What are compulsory and voluntary deductibles?

      A deductible refers to the policyholder’s monetary liability at the time of a claim. There are 2 types of deductibles - compulsory and voluntary. As the names suggest, a compulsory deductible is mandatory in nature whereas a voluntary deductible is optional.

    • Should I produce a copy of an F.I.R at the time of registering a claim?

      Yes, you will have to provide a copy of an F.I.R in case of bodily injury and theft for claiming your insurance.

    • Will I have to carry my driving licence to claim car insurance?

      Yes, you need to carry your driving licence while claiming Tata AIG car insurance. You should make sure that the driving licence is valid.

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