• Theft of the Vehicle
  
  
• Accidental Damages
  
  
• Transit Damage
  
  
• Third-Party Liability
  
  
• Personal Accident Cover
  
  
• Natural Disaster Damages
  
  
• Man-made Calamity and Fire Damage

•  If the person driving doesn’t have valid driving license
  
  
• If you drive the car outside India
  
  
• If you are driving under the influence of alcohol or drugs
  
  
• Normal wear and tear
  
  
• Electrical & mechanical failure
  
  
• Costs incurred towards general maintenance of the vehicle
  
  
• Damages caused due to speed racing, crash testing, etc.
  
  
• Damages caused due to war or war-like situations in the country and nuclear peril
  
  
• Damages covered under a specific add-on when the add-on is not included

This is not a complete list of exclusions.  For more details, please refer policy wording

Return to Invoice add-on is part of comprehensive car insurance plans. The add-on allows you to receive compensation equal to the car’s invoice value, the original value of the car when you bought it. The add-on applies when a car is stolen or when it is beyond repair. This is valid for vehicles insured up to 5 years from the date of registration.
 

Inclusions
 

• Reimburse the first-time registration charges, road tax and insurance charges which had incurred on the insured vehicle
  
  
• The RTI Add-ons will be applicable for used cars as well
  
  
• The financial shortfall between the amount received from the policy and the purchase price of the vehicle as confirmed in the invoice of Sale or current replacement price of new vehicle in case same make & model is available, whichever is less

Exclusions
 

• If total loss & theft claim is found not valid & admissible
  
  
• FIR (Final Investigation report) of police confirming the theft of the vehicle in case the theft claim is not submitted
  
  
• If any non-built in electrical/electronic & non-electrical/electronic accessories including bifuel kit forming part of the invoice but not insured.

No-claim bonus (NCB) is a discount in premium offered by insurance companies if a vehicle owner has not made a single claim during the term of the motor insurance policy. This will be as per eligibility irrespective of the vehicle age
  

Key Features
 

•   NCB makes your policy more affordable. You can save up to 50% on your car insurance premiums during the policy renewals if you have zero claim records
  
  
• Rate of NCB in the policy is an accumulation of 2 or more claim free years & there being no own damage claim in preceding 2 years
  
  
• Only 1 own damage claim is registered in the current period of insurance
  
  
• Claim which were made for damages to windscreen glass, rear glass, door glasses sunroof glasses will not be considered as a claim in the benefit
  
  
• Claim which were only partial theft or accessories parts will not be considered as a claim
  
  
• Claim for theft of entire motor vehicle will not be considered as TL/CTL for this purpose provided a new motor vehicle is purchased & insured with us within 90 days of the theft

Engine protect add-on will protects you from the financial risk associated with the engine of the car. These risks include leakage in lubricating oil, water ingression, damages to gearbox etc. It is not included in the basic coverage of the policy. Hence, it is highly advisable to include it in your coverage. This is valid for vehicles insured up to 7 years from the date of registration.
 

Inclusions
  

• The engine protect add-on will cover the repair & replacement expenses for loss or damage to- Internal parts of engine, Gear Box, Transmission, or differential Assembly
  
  
• The above will only be covered if the loss or damage is due to ingress of water in the engine or leakage of lubricating oil from engine/ respective assembly
  
  
• Covers is for lubricating oil/consumables used in the assembly

Exclusions

• Ageing, depreciation, Wear & tear
  
  
• Loss or damage covered under manufacturer warranty, recall campaign or forming part of maintenance/preventive maintenance
  
  
• Any aggravation of loss or damage including corrosion due to delay in intimation or retrieving the vehicle from waterlogged area
  
  
• Deductible – 5% of claim amount if on repair basis & 10% of claim amount if on replacement basis

This add-on covers you against any accidental loss or damage to the car’s tyres. This is valid for vehicles insured up to 7 years from the date of registration.
 

Inclusions
  

• Cover expenses for repair & replacement as may be necessitated arising out of accidental loss or damage to tyres & tubes
  
  
• Unused Tread depth will be measured at the centre of the tread
  
  
• For arriving at the basis of indemnity, Minimum 4 measurements at 4 different places will be taken for the purpose of arriving at mean tread depth
  
  
• Replacement of Tyre is allowed for same make & specification. If the tyre of same specification is not available & replaced tyre is superior to damage tyre then the company is not liable for betterment charges
  
  
• If the damage to tyre & tube is due to the accidental damage to the insured vehicle covered under own damage, the company liability under this cover is restricted to the difference of depreciation percentage applied under own damage & on the basis of unused tread depth

Exclusions

• If the vehicle is not repaired at Authorized Garage
  
  
• Wear & tear including unevenly worn tyres caused by defective steering geometry outside manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing or shock absorber
  
  
• Any loss or damage within first 15 days of inception of the policy
  
  
• Any loss or damage occur prior to inception of the policy
  
  
• Any loss or damage resulting into total loss of the vehicle
  
  
• Routine Maintenance including adjustment, alignment, balancing or rotation of wheels/tyres/tubes
  
  
• Loss or damage to wheel accessories, any other parts or rim
  
  
• Fraudulent act by Insured or workshop
  
  
• Minor damage or scratch

This add-on covers will help you in saving your money which you spent on your vehicle repair that’s includes consumable parts of your vehicle. This includes crucial parts such as bolts, balls bearings, AC gas, clips etc. This is valid for vehicles insured up to 7 years from the date of registration.
 

Inclusions
  

• Cover all types of lubricants, such as engine oil, brake oil, steering oil etc.
  
  
• AC gas used in your car, all vital items such as bolts, nuts, screws, grease, etc.
  
  
• Cost of consumables required to be replaced/replenished arising from an accident to the insured vehicle
  
   

Exclusions

• Any consumable not associated with admissible own damage claim of the policy
  
  
• If there is no valid & admissible claim under the policy
  
  
• If vehicle is not repaired at authorized garage
  
  
• Replacement basis

This add-on cover provides you with the right assistance in case you have an accident or a breakdown while driving. In other words, Roadside Assistance Add-ons means a professional technician comes to your rescue when your car breaks down in the middle of the journey. You can avail 4 Services in a year.
 

Key Features

• Service for Flat Tyre
  
  
• Flat Battery – Jump Start Service
  
  
• Repair on the spot
  
  
• Spare key retrieval
  
  
• Fuel Support
  
  
• Emergency Towing Assistance
  
  
• Continuation / Return Journey (Taxi support)
  
  
• Hotel Accommodation
  
  
• Pick up of repaired vehicle
  
  
• Available on package policy irrespective of vehicle age

This add-on will cover losses due to damage or theft of your personal belonging kept inside the vehicle while it was parked in an authorized parking. This is valid for vehicles insured up to 10 years from the date of registration.
 

Inclusions
 

• Loss or damage to personal belongings caused by perils covered under Own Damage section while they are in the vehicle at the time of loss or damage to vehicle
  
  
• Personal Belonging – Clothes and other articles of personal nature likely to be worn, used or carried and includes audio/video tapes, CDs

Exclusions

• Any Money, securities, cheques, bank drafts, credit or debit cards, jewellery, lens, glasses, travel tickets, watches, valuables, manuscripts, paintings and items of similar nature

Special Conditions

• A police report if claim due to burglary, housebreaking or theft
  
  
• Valid & admissible claim in respect of vehicle arising out of same accident
  
  
• Deductible – First Rs.250 of each & every claim
  
  
• Limit:
  Option I: Rs.10,000
  Option II:  Rs.50,000

This add-on will cover the compensates your overnight stay cost and taxi fare involved to the nearest place you were going to or going back to your home. This is valid for vehicles insured up to 10 years from the date of registration.
 

Key Features
  

• Compensates the cost of overnight stay and taxi charges involved in returning to your place of residence or the nearest city you are traveling
  
  
• Proof of documents of expenditure must be submitted
  
  
• Valid & admissible claim in respect of vehicle arising out of same accident
  
  
• Limit: 
  
  Option I: Rs.10,000 
  Option II: Rs.50,000

If you want to get your glass, plastic, rubber and fiber parts of your car repaired instead of getting them replaced at authorized dealer or network garages, it will not affect your No Claim Bonus (NCB) status during the time of renewal. 
 

Inclusions
  

• Only 1 claim during the policy period allowed
  
  
• Will not affect No Claim Bonus
  
  
• Repair of Glass / plastic / rubber / fiber part at our authorized workshops/authorized dealers/authorized service stations. 

Exclusions

• Cost of painting of parts without any other repair associated with these parts

This add-on covers the cost incurred to replace the vehicle key if it’s lost or stolen. This is valid for vehicles insured up to 10 years from the date of registration.
 

Inclusions
  

•  Cost of replacing your vehicle keys which are lost or stolen
  
  
• Cost of replacing your locks and keys if your vehicle is broken
  
  
•  The covered costs include the labor cost for replacing the lock

Exclusions

• Any other cost
  
  
• Cost to replace keys of vehicle does not own for personal use
  
  
• Any official police report for break-in protection claims

Inclusions

• It provides additional protection against third party property damage which is over and above what is covered under the policy
  
  
• Maximum limit of one claim or series of claims arising out of one event /occurrence will be Rs. 25 Lacs.

This add-on covers the medical expenses arising due to accident while driving/traveling in the car.
 

Inclusions
  

• Covers emergency medical expenses incurred by Insured for treatment of bodily injuries sustained by Insured or any occupant of the vehicle and reasonable Ambulance charges for shifting injured from the site of accident to the hospital/ nursing home along with cost of supporting items such as crutches, wheelchair, artificial, limbs etc. up to a maximum amount of Rs. 5,000 or 5% of the Sum Insured opted, whichever is less
  
  
• This additional protection can be opted for any amount between Rs. 25,000 to Rs.1,00,000 in a multiple of Rs 5,000.

Exclusions

• Medical disorder or sikness, diseases which are not directly consequential to accident
  
  
• Any psychosomatic disorders whether caused or accentuated by accident or otherwise
  
  
• Any physiotherapy treatment
  
  
• Any expense not supported by an original and valid bill / receipt and related prescription of the attending medical practitioner / hospital / nursing home
  
  
• If the treatment has started after 5 days from the date of Accident

Inclusions

• It provides additional protection against vehicle towing charges which is over and above what is covered under the policy
  
  
• This additional Towing Charges can be opted for any amount between Rs. 5,000 to Rs.50,000 in a multiple of Rs 5,000
  
  
• This cover is available maximum limit of Rs. 50,000

Exclusions

• Towing charges incurred if claim under section I of the policy is not admissible
  
  
• Consequential Losses
  
  
•  Loss covered under Manufacturer’s Warranty or recall campaign

Inclusions

• It will pay the cost of flushing out the wrong/adulterated fuel filled at fuel filling station including replacement of parts damaged due to wrong fueling
  
  
• It will also reimburse the cost of wrong/adulterated fuel up to maximum of Rs.2000/- on submission of bill
  
  
• Maximum number of claims permissible in a policy period is restricted to 1
  
  
• This cover is also subject to the terms, exceptions, conditions and limitations of the policy. Sum insured will be the maximum limit under this cover

Inclusions

The add-on will be applicable on the  amount of depreciation deducted on the value of parts replaced under own damage claim, lodged under section 1 (own-damage) of the policy. The add-on will be applicable for the first 2 claims reported during the Period of insurance.

Special Conditions applicable to this cover in addition to the General Conditions:
 

• A claim where replacement of any part is not involved and no depreciation is deducted under own damage claim, will not be considered as claim under this cover.
• Vehicle is repaired at any of our Authorised Garage/ Authorised workshop/Authorised service station.

• Protection from Third-Party Liability
  
  
• Security Against Theft
  
  
• Financial Cover Against Damages
  
  
• Cover for Personal Injuries 

A good motor insurance policy will help protect you, your finances, and your vehicle in case you meet with an unfortunate accident. In India, you need to have a motor third party insurance policy to legally operate your vehicle on the road. 

Your vehicle’s IDV is the maximum amount that your insurer will pay in case there is complete total loss to your vehicle. Your vehicle insurance premium is directly proportional to your IDV. A higher IDV means a higher motor insurance premium.

No Claim Bonus (NCB) is the benefit accrued to an insured for not making any claims during the previous policy period. As per current norms in India, it ranges from 20% on the Own Damage premium (and not on Liability premium) and progressively increases to a maximum of 50%.

For any change or correction in registration address/ Vehicle Information you need to E-mail RC copy along with a scan request letter at customersupport@tataaig.com Or Please call our toll free 1800-266-7780 and place a request for Endorsement.