Car Insurance

Home
Insurance
Motor Insurance
Car Insurance

Car Insurance

Overview Car Insurance Two Wheeler Insurance

Car Insurance Plans

CAR INSURANCE

Tata AIG

Affordable Premiums
650 claim experts across India
A wide network of 7,500+ cashless garages
Insurance plans tailored for EVs, addressing their unique risks

CAR INSURANCE

Go Digit

Smartphone Enabled Self Inspection
Digital Claim Settlement Process: Hassle-free claims process
9900+ Cashless Garages

Do you remember the feeling of happiness when you bought your first car? Let’s keep that smile intact for all your four- wheeler endeavours. A car insurance helps protect against loss arising due to accident, theft or natural calamity. It also helps protect against third party property damage, personal injuries or death.

Disclaimer: Tata Capital Limited (“TCL”) bearing License no. CA0896 valid till 21-Jan-2027, acts as a Composite Corporate Agent for TATA AIA Life Insurance Company Limited, HDFC Life Insurance Company Limited, BAJAJ Allianz Life Insurance Company Limited, Kotak Mahindra Life Insurance Company Limited, GO DIGIT Life Insurance Company Limited, TATA AIG General Insurance Company Limited, IFFCO Tokio General Insurance Company Limited, GO DIGIT General Insurance Company Limited, Cholamandalam MS General Insurance Company Limited, Magma HDI General Insurance Company Limited, The Oriental Insurance Company Limited, Star Health and Allied Insurance Company Limited and Niva Bupa Health Insurance Company limited.

Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms & conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013

What is Car Insurance?

It is a contract between the insured and the insurance company that protects your car against any kind of financial loss in the event of accident or theft.The former type of insurance protects you against financial and legal liabilities towards a third party. Such policy provides cover to your vehicle against damage due to accident, fire, theft, cyclone, flood etc. Along with this cover, it covers any third-party liability.

Key Features and Benefits of Car Insurance

A comprehensive insurance policy provides cover to your vehicle against damage due to accident, fire, theft, cyclone, flood etc. Along with this cover, it covers any third-party liability.

Damage or loss to insured vehicle

In case your vehicle is damaged due to an accident, fire, or self-ignition, you are protected. Furthermore, if the car suffers losses due to burglary or theft, strikes, riots, or terrorism, your insurance policy covers these. Another benefit of car insurance is that it covers loss or damage while in transit by rail, inland waterways, air, road, or lift.

Personal accident cover

Another advantage of car insurance is that it offers personal accident cover for a pre-determined amount. Personal Accident cover provides protection against permanent total disability, Death due to an accident. Furthermore, this cover can be taken for other passengers on unnamed basis (maximum as per the vehicle’s seating capacity) for a pre-determined amount under the car insurance policy.

Large network of garages

Car Insurance partners maintain a large network of garages across the country. This ensures you receive cashless services in all these locations, in case the need arises. This feature makes it convenient to avail of repair services in case of any damage to your vehicle.

Third party liabilities

If your car is involved in an accident that results in damage or loss to the property of any third parties, it is covered under the car insurance. Furthermore, if you face any legal liabilities in case of any bodily injury or death of a third party, your car insurance protects you against the same.

No claim bonus

One of the major advantages of having car insurance is the no claim bonus (NCB). Customer is eligible for this benefit for every claim-free year. This may be available as a discount on the premium, which makes car insurance even more affordable.

Note* The features above may or may not reflect in the plans sourced by our corporate agents. Please check our plans and their features to know more.

Factors you must consider while choosing a car insurance amongst various insurers.

Quick and hassle-free process

When you choose to buy a car insurance policy, it is important that you do not have to undergo a long and cumbersome procedure. The entire process must be simple, quick, and convenient. Furthermore, choosing an insurer that offers the additional convenience of purchasing the policy online is recommended.

Customer support

A reliable and reputed insurance company hires trained and experienced personnel to help resolve all your queries. Insurance companies also offer live chats to ensure your issues are resolved without any delays.

Having a car insurance policy gives you complete peace of mind. You are assured that you will face no financial difficulties in case of any loss or damage to your vehicle or to third parties.

Types of Car Insurance

Listed below are the two options when it comes to selecting a car insurance policy.

The Motor Vehicles Act states that this type of car insurance is compulsory if you want to drive your four-wheeler legally on Indian public roads. When police officials ask for insurance, they check whether your Third-party Liability Car Insurance policy is active or not. If not, then you have to face penalties. The rule is so strict that you can end up in jail as well.

Listed below are the two options when it comes to selecting a car insurance policy.

This policy is more desirable if you want all-round coverage. A Comprehensive policy, as the name suggests, is a wide-ranging cover. It not only includes the features offered by a Liability-only policy but also offers Own Damage cover. This means you are insured if your car causes damages to others, and also if it is damaged by others or natural calamities.

What is covered in a car insurance policy?

Third-party injuries, Third-party death, Third-party property damage

Third-party injuries, Third-party death, Third-party property damage, Theft, Fire, Calamities, Damage to the car due to accident

What is not covered in a car insurance policy?

Here’s a list of items not covered in a car insurance policy. For an exact list of exclusions, refer to the respective Policy Wordings.

Driving under the influence of alcohol
Driving under the influence of intoxicants
Driving without a valid license
Driving without an active car insurance plan
Damages during war-like situations
Servicing expenses

Explore Other Insurance Products

Life Insurance

We understand how important your family’s happiness is to you and how hard you work for them.It is equally important to secure your family’s future by taking a life protection cover.

We present to you a broad range of Protection Plans uniquely designed to secure your family at every stage of life.

Know More

Health Insurance

Maintaining a healthy lifestyle is very important to cope with new emerging diseases.

Having said that, even if you are currently fit and do not need any medical help, it’s important to have health insurance coverage that secures your future medical needs.

Know More

Wellness Plans

Wellness is to illness what prevention is to cure. Wellness Solutions assure you affordable and smart ways to manage health. Provide for yourself and your family’s well being in time by availing value- added health solutions.

Know More

Protection Plans

From lost wallets and ATM cards to kitchen appliances and handheld devices; we’ve got you covered at all times. Explore a myriad of relevant protection plans that seamlessly integrate with your daily lives.

Know More

Retirement Solutions and Child Plans

Build a financial cushion today to enjoy a better tomorrow. May it be your post retirement dreams or wishes for your growing child; consider Retirement Solutions and Child Plans as an integral part of your future plan.

Know More

Travel & Home Insurance

You worked harder, longer and saved every rupee to give yourself and your loved ones the security of a home and the luxury to travel. It's understandable that you would want to secure your home against any possible natural or man-made catastrophe. Travel with some peace of mind and insure your trip against unforeseen emergencies like loss of baggage, flight delays, personal accident and unexpected hotel accommodation.

Know More