TATA AIG Car Insurance

Covers third-party liabilities, including third party death, disability & property damages

Covers accidents, including third party liabilities and property damage.

Covers theft, including third party liabilities and vehicle recovery costs.

Covers man-made acts, including third party liabilities and related damages.

Covers natural calamities, including third party liabilities and environmental damages.

Covers fire, including third party liabilities and property damages.

Covers animal attack, including third party liabilities and injuries.

Depreciation is not covered, which reduces the insured declared value (IDV) of your vehicle over time, affecting claim payouts for own-damage.

Claims are denied if the driver holds an invalid or expired license, as this violates policy terms requiring a valid license at the time of the accident.

Any incident involving driving under the influence of alcohol or drugs voids the claim, as it constitutes reckless behavior excluded from coverage.

Coverage does not extend beyond specified geographical limits, such as international borders or restricted zones defined in the policy.

Damage due to mechanical or electrical breakdowns is not covered unless resulting from an accident; routine wear and tear are excluded.

Claims are invalid for vehicles used in illegal activities or modifications that contravene regulations, including unauthorized racing or overloading.

Loss or damage from war, invasion, nuclear risks, or civil commotion is explicitly excluded under standard policy clauses.