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TATA AIG Two Wheeler Insurance

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Plan Benefits

Policy Coverage

Customer Service

Claim Experience

About TATA AIG General Insurance Company Limited

Founded in 2001 as a joint venture between the India-based Tata Group and American International Group (AIG), the 17 years old Tata AIG General Insurance Company today offers a range of insurance products catering to the needs of businesses and individual customers. The company has a widespread presence in over 98 locations in India.

TATA AIG Two-Wheeler Insurance

Tata AIG offers a two-wheeler insurance policy that protects vehicle owners against unforeseen incidents that may result in loss or damage to their two-wheelers or liabilities arising out of damages and losses caused to a third party or their properties.

Benefits of TATA AIG Two Wheeler Insurance:

Tata AIG Two Wheeler Insurance provides comprehensive insurance policies as well as the minimum third party liability insurance plan. Facilities like cashless garages and hospitalisation makes Tata AIG Two-Wheeler Insurance policy a very good option to consider. Some of the benefits have been listed in the video below.

Coverage Offered Under Tata AIG Two-Wheeler Insurance Policy

  • Loss or Damage Caused to the Insured Vehicle: The bike insurance policy offered by Tata AIG indemnifies the policyholder against any loss or damage caused to the vehicle or its accessories due to any of the following reasons:
    • Loss or damage to the vehicle due to lightning, ignition, or fire explosion.
    • Loss or damage to the vehicle due to housebreaking, theft, or burglary.
    • Loss or damage to the insured vehicle due to a natural disaster such as earthquake, flood, typhoon, cyclone, hailstorm, hurricane, and others.
    • Loss or damage due to accident by external means.
    • Loss or damage to the insured due to malicious acts by humans.
    • Loss or damage to the vehicle while in transit.
  • Third-Party Liability: Tata AIG indemnifies the insured person against any liabilities of financial and legal nature that arise from a loss or damage caused to a third person or their property due to the insured vehicle. The policy covers the policyholder in the following circumstances:
    • Death or bodily injury caused to a third person or the pillion rider.
    • Damages caused to the property belonging to a third person.
  • Personal Accident Cover for Vehicle Owner/Rider: The vehicle insurance policy offered by Tata AIG compensates for accidental death or bodily injuries sustained by the vehicle owner/driver.

Add-On Covers Available

  • Third-Party Damage Cover: With this add-on insurance cover, the limit for third-party damage compensation can be raised.
  • Additional Personal Accident Cover To Vehicle Owner/Driver: This add-on insurance cover helps you raise the compensation in case of personal accident.
  • Emergency Medical Cover Expenses Cover: This add-on cover can be opted for to ensure reimbursement in case of bodily injuries sustained by the policyholder in an accident involving the insured vehicle.
  • Personal Accident Cover For Unnamed Persons: With this add-on insurance cover, the policyholder may increase the compensation for an accident involving the pillion rider.
  • Consumable Cover: This add-on cover ensures reimbursement for replacement of consumable items such as engine oil, nuts and bolts, and others damages during an accident.

Exclusions Under Tata AIG Two-Wheeler Insurance Policy

There are certain instances in which a policyholder is not liable to claim any compensation. Some of which are as follows:

  • Loss or damage to the vehicle due to normal wear and tear, depreciation, consequential loss, or electrical and mechanical failures.
  • Damage to consumables like tyres unless the vehicle is also damaged at the same time (to the maximum of 50%)
  • Loss or damage caused to the vehicle accessories due to theft or housebreaking unless the vehicle is stolen at the same time.
  • Any accidental damage by the driver of the vehicle who is under the influence of any intoxicating substance.
  • Any loss or damage caused to the vehicle outside the geographic area specified in the policy.
  • Any claim arising as a result of contractual liability.
  • Any loss or damage caused to the vehicle when used against the limitations of its use.

Tata AIG Two-Wheeler Insurance Claim Process

The following documents should be carried by the vehicle owner at all times:

  • Vehicle Registration Certificate
  • Insurance Certificate of the vehicle
  • PUC (Pollution Under Control) Certificate
  • Driving License

What To do In Case of An Accident?

  • Attend to any bodily injury in first priority.
  • Note down the vehicle numbers of the vehicles involved in the accident.
  • Note down the names and contact details of witnesses (if any).
  • Call the toll-free helpline number to intimate the insurer about any accident.
  • Provide important details relevant to the accident.
  • In case of theft, bodily injury, or third-party damages, file an FIR at the nearest police station.

Documents Required For Making Two-Wheeler Insurance Claim

  • Duly-filled claim form.
  • Driving license of the person driving the motorcycle/scooter.
  • Copy of the FIR (if applicable).
  • Vehicle Registration Certificate.
  • Additional documents as required by the insurer.

Claim Processing By Tata AIG

The insurance company after receiving your claim will follow the below-mentioned procedure to process your claims:

  • The claims executive will get in touch with you within 48 hours of intimating the claim.
  • The claims executive will guide you with the procedure to follow and the documents required. They will also guide you to a specialised repair facility.
  • The insurance company will receive an assessment of repairs from the network garage.
  • The insurer will authorise repairs and inform you of the required cost.
  • The insurer will settle the payment with the garage in excess of the voluntary excess and depreciation.
  • The depreciation will be charged as per the nature of the parts as mentioned in the policy.

Tata AIG General Insurance Customer Care Contact Details

You may reach out to Tata AIG customer support team over a phone call by calling on 1800-266-7780 (toll free number). The customer care executive will help you with information about the product, the claims procedure, and other issues related to the two-wheeler insurance policy.

Tata AIG Two-Wheeler Insurance Customer Care Email Address:

You may reach out to the customer care team using the below mentioned email address. You may also file complaints or share your feedback

customersupport@tata-aig.com

Visit The Nearest Tata AIG General Insurance Branch Office

You may also personally visit your nearest Tata AIG Branch office and get information on the products offered by the company and get assistance on any issue related to your insurance policy. Following are the branch offices in some important Indian cities:

Delhi

Branch Name Address Contact Number
Kirti Nagar A-2 2nd Floor, Main Najafgarh Road, Near Kalra Hospital, Kirti Nagar New Delhi-110015 011-65682600-05
Janakpuri 105,1st Floor, DDA Tower-2, District Centre, Janakpuri, New Delhi-110058 011-64540001-05
Jasola DTJ-415, 4th floor, DLF-Tower B, Jasola District Centre, New Delhi-110025 011-66563600
Preet Vihar F-25, 1st floor, Preet Vihar, Vikas Marg, East Delhi Delhi-110092 011-64540043
Pitampura 301-308 , Aggarwal Prestige Mall Tower 3rd Floor, Plot No-2, Road No.44, Main Road, Near M2K Cinema Rani Bagh, Pitampura, New Delhi-110034 011-27004100

Mumbai

Branch Name Address Contact Number
Lower Parel A-6, 6th Floor, Trade World, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel, Mumbai-400013 022-66382333/66382300
Lower Parel Reg. Office 15th Floor, Tower A, Peninsula Business Park, GK Marg, Lower Parel, Mumbai-400013 022-66699696
Malad East A-501 Building No.4, IT Infinity Park Dindoshi, Malad (E),Mumbai – 400097 022-66930000
Vashi 6/F 607 Devratta Society Plot No.83, Sector-17, Vashi, Navi Mumbai-400705 022-67914790
Vile Parle 2nd Floor, Pressman House, Opp. Orchid Hotel, 70A, Nehru Road, Vile Parle (East), Mumbai- 400099 022-66822100/101
Ghatkopar Office No.508A & 509, 5th Floor, Kailas Plaza, V. B. Lane, Ghatkopar (East), Mumbai-400077 022-65300198/187/188
Borivali Office No.205, 2nd Floor, Orchid Plaza, S V Road, Borivali (West), Mumbai-400092 022-65978698

Chennai

Branch Name Address Contact Number
Egmore 2nd Floor, Samson Towers,403 L Pantheon Road, Egmore, Chennai-600008 044-66220222
Tambaram 1st floor Rajendra Bldg, Door No. 10A, Duraiswamy Pillai Street, West Tambaram Chennai-600045 044-64565062

Hyderabad

Branch Name Address Contact Number
Begumpet 4th Floor Block - A My Home Tycoon, Kundanbagh Begumpet, Hyderabad-500016 040-66575000/040-66575099

Kolkata

Branch Name Address Contact Number
Dr. UN Brahmachari Road 2nd Flr, Constantia Bldg, Dr. UN Brahmachari Road, Kolkata-700017 033-64505000

Ahmedabad

Branch Name Address Contact Number
C.G. Road Office no. 2-A, 2nd Floor, Turquoise, Panchwati Cross Road, C.G. Road, Ahmedabad-380006 079-30000025

Pune

Branch Name Address Contact Number
Pimpri 1st Floor, Kalbhor Corporate Building, Opp Force Motor Ltd., Tuljai Vasti, Akurdi, Pune-411035 020-65109190-65310031-32-33
Deccan 301 Business Guild,Law College Road, Deccan, Pune-411004 020-65600273/75/77
Koregaon Park 3rd Floor, The Orion, Koregaon Park Road, Opp. St. Miras College for Girls, Arjun Mansukhani Path, Pune-411001 020-66011111/66033858/59/ 60/61
Baramati 2nd Floor, Shop No. 7,Laxmi Heights, Kasba Chowk, Baramati-413102  

Chandigarh

Branch Name Address Contact Number
Chandigarh 2nd floor,SCO-232/234,Sec-34A,Chandigarh-160022 0172-4685000

Cochin

Branch Name Address Contact Number
Cochin   3rd Floor, Triton, 38/580, S.A. Road, Panampilly Nagar, Cochin-682036 0484-6453693
Branch Name Address Contact Number
Koramangala 2nd Floor, No.83, 7th Cross,4th B Block, Above HDFC Bank, Near BDA complex, Koramangala, Bengaluru- 560034 080-64531123
Millers Road 2nd floor JP & Devi Jambukeshwar Arcade No.69, Millers Road, Bengaluru-560052 080-66272829
Whitefield 2nd Floor, Saroj Studio, Thubarahalli, Whitefield Main Road, Bengaluru- 560066 080-60660016

Request A Call-Back

To get information on insurance products offered by Tata AIG or to get assistance with claims, you may fill in some of your basic contact details under ‘Have Us Call You!’. The customer care executive will get in touch with you within a specified time frame to help you with your queries.

Tata AIG Two Wheeler Insurance Frequently Asked Questions

  1. What is the maximum amount of sum assured by Tata AIG in case of a two-wheeler insurance claim?

    The maximum sum assured by Tata AIG in case of a bike insurance claim is limited to the Insured Declared Value determined for the vehicle.

  2. Is two-wheeler insurance compulsory even if I hardly use my motorcycle?

    Yes, the Motor Vehicles Act of 1988 makes it compulsory for all motor vehicles to have a third-party insurance.

  3. Can I retain the No Claim Bonus received from my existing insurer if I renew my policy with Tata AIG?

    Yes, you may retain the NCB obtained from your existing insurer provided you submit the evidence of NCB received.

  4. What are the types of motor insurance policies offered by Tata AIG?

    Tata AIG offers the following types of motor insurance policies:

    Third-Party Liability Only Policy: The policy covers losses or damages done to a third-party including bodily injury or death, and damage to their property.

    Package Policy: The package policy covers own damage as well as third party liabilities.

  5. In what circumstances should police be informed?

    An FIR should be filed with police in case of theft, bodily injury, or third-party damages.

  6. Can I buy or renew Tata AIG Insurance Policy Online?

    Yes, you may easily purchase a new two-wheeler insurance policy or renew the existing policy through the official website of the insurer.

  7. Can I insure my second hand two wheeler with Tata AIG two-wheeler insurance?

    Yes, Tata AIG two wheeler insurance can be taken for second hand two wheelers also.

  8. Can I apply for a Tata AIG Two-wheeler policy online?

    Yes, you can now apply for a Tata AIG two wheeler Insurance policy online in just a few easy steps.

  9. Will I get reminders for renewing my Tata AIG two-wheeler insurance?

    Yes, Tata AIG shall send you timely reminders when it is time for you to renew your two wheeler insurance policy.

  10. Do I get a No Claim Bonus for a claim free insurance period?

    Yes, with Tata AIG you get to enjoy a No Claim Bonus for a claim free period.

  11. Does this two-wheeler insurance policy cover Third Party Legal Liability?

    Yes, you are covered against any third party legal liability arising from an accident and resulting in loss or damage to life or property.

  12. How can I decrease or increase the Insured Declared Value of my vehicle?

    Decrease or increase of the IDV can only be done at the time of policy renewal. It can be increased or decreased up to 10%. You need to contact the insurance provider to make the necessary changes to the policy.

  13. If I raise a claim for key replacement, will I lose my accrued NCB?

    A claim under the key replacement cover is not considered as an own damage claim. So, if your claim only includes key replacement, you will not lose the NCB; you will be eligible for the next NCB slab at renewal.

  14. I have a restricted cover two-wheeler insurance policy with Tata AIG. Can I enhance my policy with add-on covers?

    No, add-on covers are only offered for comprehensive package policies.

  15. How long does it take for claim settlement?

    Once all the necessary documents are received from the policyholder, the insurer takes 7 working days to settle the claim.

  16. When should I initiate the renewal of my two-wheeler insurance?

    You should look to renew your insurance before it expires, so that your vehicle is protected without any break in policy. On-time renewal also helps you retain the No Claim Bonus that amounts to a significant reduction in premium in the subsequent years. Additionally, renewing your policy on time gives you peace of mind, as you will not be breaching the law by riding an uninsured two-wheeler at any point in time.

Disclaimer

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TATA AIG Two Wheeler Insurance Reviews

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  • Tata AIG Two Wheeler Insurance
    "Low premium with better feature"
    0.5 5.0/5 "Blown Away!"
    The premium amount is too low in Tata Aig general insurance, as compared to other policies, the customer service is very fast they have generated my policy copy on time. I do have Bajaj pulsar bike its four years old, but offered me best idv value with third party cover.
    Was this review helpful? 0
    , keonjhar
    Reviewed on Dec 10, 2018
  • Tata AIG Two Wheeler Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I have taken two wheeler insurance from Tata Aig insurance company I make the payment of rs 1300 for yearly through their agent . Customer service and response is average as they didn't explained the policy benefits .Overall am satisfied with the premium amount which am paying .
    Was this review helpful? 3
    , secunderabad
    Reviewed on Oct 06, 2018
  • Tata AIG Two Wheeler Insurance
    "Average policy "
    0.5 3.0/5 "Satisfactory"
    I have take a two wheeler insurance from Tata AIG insurance . This policy covers for 1 year . It covers bumper to bumper coverage ,cashless garage benefits . Am satisfied with premium amount which am making the payment. I'm satisfied with the customer care.
    Was this review helpful? 3
    , chennai
    Reviewed on Sep 04, 2018
  • Tata AIG Two Wheeler Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    Premium for this insurance is normal, they took the processing time was less, i have been making payment for this premium for past few years, they have given me the good benefits in this premium, i feel it will give good benefits will be given in future, over all it a good insurance.
    Was this review helpful? 5
    , hyderabad
    Reviewed on Aug 29, 2018
  • Tata AIG Two Wheeler Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My bike is insured with the Tata AIG . I am paying a premium of 1200 per year, it also has got Zero depreciation. I do not have any claim experience with the policy so far. Considering the premium I pay it is a recommendable policy to have.
    Was this review helpful? 9
    , new delhi
    Reviewed on Jul 26, 2018
  • Tata AIG Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my two wheeler insured with TATA AIG from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I paid a premium of Rs 3000 for 3 years at once for this insurance policy.
    Was this review helpful? 1
    , pune
    Reviewed on Jul 06, 2018
  • Tata AIG Two Wheeler Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    I have my two wheeler insured with TATA AIG from last 1 year, i have not claimed anything so far from this insurance policy. I am happy with the coverage value of this insurance policy. A premium of Rs 5500 has to be paid every year for this insurance policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 21, 2018
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have renewed the two wheeler insurance policy from the TATA AIG GENERAL INSURANCE company around 3 months ago. I have paid Rs,1700 to renew the two wheeler insurance policy . I never had any claim experience from this TATA AIG GENERAL INSURANCE policy. The plan benefits and the coverage is good with this policy .
    Was this review helpful? 0
    , new delhi
    Reviewed on May 02, 2018
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 5.0/5 "Blown Away!"
    I have got the two wheeler insurance policy from the TATA AIG around a year ago and this policy has come when I got the bike. I have paid Rs,5000 to renew the policy last year. The intimations are given on time to renew the policy before the due date . The customer support service is good with the Tata aig general insurance policy .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 29, 2018
  • Tata AIG Two Wheeler Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a two wheeler insurance with TATA AIG general insurance from more than 3 years. This policy has to be renewed every year and i pay a premium of Rs 1200-1500 for this insurance. I do not have claim experience so far with this insurance. I am happy with the coverage in this policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2018
  • Tata AIG Two Wheeler Insurance
    "Average policy to use"
    0.5 4.0/5 "Great!"
    Around a year ago I have got the two wheeler insurance policy from the TATA AIG GENERAL INSURANCE company. I have paid Rs,1060 to avail this policy . The policy claim is good with this policy . I never got any claim experience with this TATA AIG GENERAL INSURANCE two wheeler insurance policy .
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 15, 2018
  • Tata AIG Two Wheeler Insurance
    "Its Better"
    0.5 4.0/5 "Great!"
    When I was purchasing new bike they gave me default TATA AIG two wheeler insurance, they told premium was around Rs. 1600 for one year. They are providing third party cover, accidental cover and road side assistance with 100% cover on my Bajaj avenger.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 21, 2018
  • Tata AIG Two Wheeler Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    It is a good experience with Tata Aig two wheeler insurance service. The payments are generally through online which is a easy process. I never claimed any service from Tata aig till now. It is a average service from Tata Aig two wheeler insurance service.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 15, 2018
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have paid Rs,1200 to renew the Two wheeler insurance policy from the TATA AIG GENERAL INSURANCE company. They gave me reminders to renew the policy before the due date. I never had any claim experience with this policy. The plan benefits and the coverage is good with this TATA AIG GENERAL INSURANCE Two wheeler policy.
    Was this review helpful? 0
    , madurai
    Reviewed on Feb 07, 2018
  • Tata AIG Two Wheeler Insurance
    "Looking for better Service and Offer"
    0.5 1.0/5 "Really Bad"
    TATA AIG premium is low with better coverage however they are providing any other benefits. I have TVS Apache 2012 model at the time cost was Rs. 72,000. I didn't claim anything but they haven't provide any no claim bonus. TATA AIG website is also not userfriendly.
    Was this review helpful? 2
    , chennai
    Reviewed on Jan 23, 2018
  • Tata AIG Two Wheeler Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I am using Tata AIG service for the past 2 years. It was average service on my bike insurance. There is no claim experience till now. It was suggested by the dealer. I never got any reminder call for the policy renewal. I paid 1400 rupees yearly to get this insurance.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 11, 2018
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the TATA AIG Two wheeler Insurance policy around 9months ago. I have got this policy along with the vehicle , still i have never renewed this policy, because this policy has 1 year of validity. I never had any claim experience with this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 08, 2018
  • Tata AIG Two Wheeler Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    I am having the two wheeler insurance policy with the TATA AIG general insurance company. The coverage value is around 43000 Rupees, also the premium is around 1477 Rupees. I am happy with the TATA AIG general insurance company.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2017
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    The customer support is good with the TATA AIG general insurance policy . They send the reminders to renew the policy before the due date. I paid Rs,3000 to renew the policy this year, and the premium amount is high because I gold a vehicle ROYAL EN FIELD CLASSIC 350CC.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Dec 15, 2017
  • Tata AIG Two Wheeler Insurance
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have recently got the two wheeler insurance with the TATA AIG, around a year ago. The customer support is good with the TATA AIG. I have paid Rs,1400 to renew the policy and I have paid through my credit card. The plan benefits and the coverage is good with this policy and I dont have any claim experience with this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 05, 2017
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