TATA AIG Own Damage Car Insurance

It is advisable to purchase standalone own-damage insurance along with your compulsory third party insurance. TATA AIG offers standalone own-damage car insurance which will take care of own-damage costs in a wide range of situations including fires, cases of vandalism, theft, road accidents, natural and manmade calamities. Moreover, it provides a layer of protection for the policyholder by offering them a sense of financial stability in crisis situations.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under TATA AIG Standalone Own-Damage Policy?

TATA AIG standalone own-damage insurance provides coverage for the following:

• Fires or explosions which cause damage to the car.
• Damage caused by road accidents.
• If the car is stolen and cannot be traced.
• Damages due to a natural or manmade disaster.

What is Not Covered Under TATA AIG Standalone Own-Damage Policy?

TATA AIG standalone own-damage insurance does not provide coverage for the following:

• If the car breaks down due to mechanical or electrical failures.
• If a mishap occurs due to a case of illegal driving.
• General wear and tear of the car.
• If an unfortunate event occurs outside the borders of India.

Following are the benefits of purchasing a TATA AIG Standalone own-damage policy:

• It offers a layer of protection for the owner-driver and the car from the uncertainties of the road.
• Insurance providers offer No Claim Bonus for every claim-free year with own-damage covers.
• Insurance holders can purchase add-on covers with their own-damage covers to further enhance the policy’s coverage.

How To Purchase TATA AIG Standalone Own-Damage Policy?

Following are the steps to purchase a TATA AIG standalone own-damage policy:

Step 1: Visit the website InsuranceDekho and select the ‘car insurance’ insurance tab located on the top left corner of the page. Next, a drop-down menu will appear from which select the ‘Standalone Own Damage’ option.

Step 2: Provide your car’s registration number in the given section. If you do not have this information with you enter your car’s make, model and year of registration.

Step 3: Enter your personal details, i.e., name and phone number and press the ‘Submit and Get Quotes’ button.

Step 4: All the standalone own-damage covers in your category will be visible on the screen. Select the one offered by TATA AIG. You can also select any add-on covers you would like to purchase at this point.

Step 5: Pay for the TATA AIG standalone own damage policy you have selected and the insurance document will be sent to your registered email ID.