Every car owner has different protection needs. Add-ons help you customise your policy based on your car type, budget and driving habits. If you are looking for broader protection for your car, a right add-on, added to your own damage or comprehensive plan, can help you avail additional protection beyond a standard policy.
TATA AIG provides several add-ons, so that you can buy a car insurance plan that is curated to your ownership needs. Read on to know more. .
How You Can Customise Your TATA AIG Car Insurance with Add-ons
Customising your TATA AIG car insurance policy with add-ons gives you the freedom to enhance the coverage of your base policy, to align it with your driving habits and protection needs. Depending on the terms of your policy, you can choose from add-ons like Depreciation Reimbursement, Return to Invoice and Roadside Assistance cover. Each add-on addresses a specific risk, adding what matters to you helps you build a policy that will give you the maximum protection you want.
To customise your policy with add-ons, assess your car’s age, model, your usage frequency and your location. Choose add-ons that will extend your coverage to give you more benefits. For example, get the Roadside Assistance cover if you drive long distances frequently, and the Depreciation Reimbursement and Return to Invoice cover if your car is new.
TATA AIG also offers pre-set bundles to make this selection easier for you. By adding the riders that you need, you can customise your TATA AIG car insurance to match your requirements. It also ensures you only pay for what you will actually use.
Key TATA AIG Add-ons to Consider
Listed below are the key add-ons offered by TATA AIG:
Depreciation Reimbursement (Zero Depreciation) Add-on Available up to 10 years of age
The Depreciation Reimbursement (Zero Depreciation) add-on reduces the depreciation deductions on covered parts during the claim process. Thereby, you can obtain a high claim amount for accident-related repairs. This add-on, available for cars up to 10 years of age, is beneficial for new car owners and others who drive regularly in accident-prone areas or heavy traffic.
Roadside Assistance Cover Add-on Available for Cars up to 15 Years
As the name suggests, this add-on provides roadside assistance if the car breaks down, is involved in an accident, or faces any roadside emergency. The services here include assistance with flat tyres, battery jump start, towing, as per the terms and conditions of policy. This add-on can be opted for cars aged up to 15 years.
Consumable Expenses Add-on Available for Cars up to 10 Years of Age
This add-on covers eligible consumable expenses during repairs, such as engine oil, gearbox oil, lubricants, and similar items. This helps you save on these additional expenses when your car needs repairs after an accident. It is available for cars up to 10 years of age and beneficial for individuals looking for broader coverage for car repair costs.
Return to Invoice Add-on Available for Cars up to 5 Years of Age
In case of theft or total loss, this add-on helps cover the difference between the Insured Declared Value (IDV) of your car and the on-road price of a new similar car. On-road price shall include road tax and registration charges. This add-on is offered for cars that are up to 5 years of age. It is beneficial for individuals looking for greater financial protection if their vehicle needs to be replaced. .
No Claim Bonus Protection Cover – Available for Cars up to 10 Years of Age
This add-on helps protect your accumulated No Claim Bonus (NCB) after an eligible claim, subject to the terms and conditions of the policy. With this add-on, you can avail the NCB discount on your own damage premium amounts during renewal. Also, it is available for cars up to 10 years old.
Electric Surge Secure Add-on Available for Cars up to 5 Years of Age
The electric surge add-on covers loss or damage to your electric car, including its charging equipment caused by self-heating, arcing and short circuits. It also covers total loss up to the Insured Declared Value (IDV) of your car. You can opt for this add-on for cars up to 5 years of age.
Other Add-ons Based on Individual Needs
You can continue exploring other add-ons, such as emergency medical expenses, key replacement, engine secure, and tyre secure, considering your driving habits, car type and coverage requirements. Compare policy exclusions, benefits and premium amounts before making your final choice. Also, review the required eligibility criteria applicable for each add-on, as availability might change according to vehicle and policy terms.
TATA AIG Car Insurance: Customise Your Cover to Match Your Needs
Overall, TATA AIG provides 19 optional add-ons for customisation and allows every car owner to choose the required protection based on daily needs. Including add-ons such as Roadside Assistance, Depreciation Reimbursement and Return to Invoice cover helps reduce out-of-pocket expenses, subject to the terms and conditions of the policy.
Also, TATA AIG offers pre-defined add-on bundles based on the type of your car and coverage needs. These bundles make it easier to explore suitable add-ons and customise your car insurance policy without having to select each add-on individually. You can view and compare these bundles while purchasing your car insurance online through the TATA AIG website or mobile app.
Visit https://www.tataaig.com/motor-insurance/car-insurance to learn more about the car insurance options TATA AIG offers.
