Tata AIG Two-Wheeler Insurance

Key features

• ✓Auto Secure brand with comprehensive coverage options
• ✓Quick online buy and renew
• ✓Cashless repairs at pan-India network garages
• ✓Comprehensive, third-party, and standalone OD plans
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓NCB up to 50% on claim-free renewals
• ✓Wide range of add-ons including Zero Dep and Engine Secure
• ✓Long-term 5-year third-party policy for new bikes

What’s included

• ✓Accidental own damage
• ✓Theft, burglary, housebreaking
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural perils (flood, earthquake, cyclone, storm)
• ✓Man-made perils (riot, strike, terrorism, malicious acts)
• ✓Third-party bodily injury and death
• ✓Third-party property damage
• ✓Transit damage by rail, road, air, water

What’s excluded

• ✕Wear and tear, depreciation
• ✕Mechanical and electrical breakdown
• ✕Driving under influence of intoxicants
• ✕Driving without a valid driving licence
• ✕Consequential losses
• ✕Damage outside geographical area (India)
• ✕Use other than declared (e.g., racing, hire)

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered