General Insurance provides a comprehensive line-up of vehicle (motor) insurance products covering private, commercial, and electric vehicles.
The structural matrix of Tata AIG's vehicle insurance portfolio is broken down below by vehicle categories and policy coverage types:
Tata AIG segments its policies based on the type of vehicle being insured:
Private Car Insurance: Tailored for personal four-wheelers, providing multi-year options and extensive damage protections.
Two-Wheeler (Bike) Insurance: Designed for motorcycles and scooters, offering long-term policy structures lasting 3 to 5 years.
Electric Vehicle (EV) Insurance: Niche policies for both electric cars and bikes, with specialized coverages targeting the unique risks of electrical surge hazards and battery damage.
Commercial Vehicle Insurance: Tailored for business-use vehicles including app-based cabs (Ola/Uber), commercial tourist vehicles, cargo carriers, and trucks.
Auto Rickshaw Insurance: Targeted regional passenger vehicle insurance covering standard commercial vulnerabilities.
Within each vehicle segment, you can choose from three main structural policy types:
Third-Party Liability Only Policy: The legally mandated baseline insurance covering legal liabilities, property damage, injuries, or accidental death caused by your vehicle to third parties.
Standalone Own Damage (OD) Policy: For vehicle owners who already have an active third-party cover but want to add standalone protection against theft, fire, accidents, and natural disasters for their own vehicle.
Comprehensive Insurance Policy: An all-inclusive framework that bundles both Third-Party Liability and Own Damage coverages into a single contract.
Pay As You Drive: A modern, usage-linked policy option where premiums are calculated and paid dynamically based strictly on the actual mileage/kilometers your vehicle clocks over a given year.
Tata AIG allows comprehensive plan customizations using over 20 specific add-ons. Key proprietary and popular add-on features include:
Auto Secure Supreme Pack: A premium bundle combining zero depreciation, return to invoice value, engine protection, and consumables cover into a single product tier.
24x7 Roadside Assistance Cover: Offers immediate on-site help for mechanical breakdowns, flat tires, jump-starts, and emergency towing.
Daily Allowance & Courtesy Car: Provides a daily monetary stipend or a temporary rental vehicle for up to 15 days while your insured vehicle is under repair at a network garage.
Protect your car or two-wheeler from accidents, theft, natural disasters, and third-party damages with instant digital policies.
