Tata AIG Auto Secure Car Insurance

Key features

• ✓Auto Secure private car package policy
• ✓Comprehensive cover combining own damage and third-party liability
• ✓No Claim Bonus up to 50% on renewal
• ✓Personal Accident cover for owner-driver of ₹15 lakh
• ✓Cashless claim settlement at network garages
• ✓AutoSafe telematics-based add-on offering driving-behavior benefits
• ✓24x7 emergency roadside assistance as add-on
• ✓Online policy issuance and self-inspection via app
• ✓Multiple add-on covers including Zero Depreciation
• ✓Long-term policy options available for new cars

What’s included

• ✓Accidental damage to insured vehicle
• ✓Fire, explosion, self-ignition, lightning
• ✓Theft, burglary, housebreaking
• ✓Natural calamities (flood, earthquake, cyclone, storm)
• ✓Man-made calamities (riot, strike, terrorism, malicious damage)
• ✓Damage in transit by road, rail, air, water
• ✓Third-party bodily injury, death and property damage liability
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕Normal wear, tear and depreciation
• ✕Mechanical or electrical breakdown
• ✕Driving without valid licence
• ✕Driving under influence of intoxicants
• ✕Use of vehicle outside India
• ✕War, nuclear, mutiny perils
• ✕Consequential losses
• ✕Contractual liabilities

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (3-year long-term option for new cars)

IDV

Based on vehicle age and model

NCB

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