• TATA AIG Two Wheeler Insurance

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    Tata AIG Two Wheeler Insurance Overview

    The traffic conditions prevailing nowadays have made driving riskier than ever before. Given that, the general opinion remains that a two wheeler is a far more sensible choice, given its quick mobility and convenience, for commuting within the city. However, scooting around the city too can be unsafe at times, which is why, Tata AIG Insurance is here to provide you and your two wheeler with the necessary protection.


    Key Benefits Of TATA AIG Two Wheeler Insurance

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    Cashless Claim Networks

    Cashless Claim Networks

    Cashless claim service available at authorised network garages across India.

    Discounts

    Discounts

    Policyholders can get a No Claim Bonus of up to 50%.

    Accidental Cover

    Accidental Cover

    Personal accident coverage will be provided to policyholders.

    Online Renewal

    Online Renewal

    When the policy is about to expire, policyholders can renew it online.


    Add-on Covers For TATA AIG Two Wheeler Insurance

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    Third Party Cover

    Third Party Cover

    Maximum cover for third-party property damage will be Rs. 1,00,000 in the case of two-wheelers.


    Inclusions And Exclusions In TATA AIG Two Wheeler Insurance

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    Inclusion

    Inclusion

    Loss or damage to the insured vehicle due to fire / earthquake / flood / cyclone

    Exclusion

    Exclusion

    Damage by a person driving under the influence of liquor / alcohol / drugs


    Tata AIG offers a comprehensive two wheeler policy which has been designed to not only cover any damage or loss caused to your vehicle but also protect you against any third party liability which may arise due to the accident.

    Features & Benefits of Tata AIG Two Wheeler Insurance

    Tata AIG two wheeler insurance provides all-round protection to you and your vehicle in case any untoward incident takes place. There is a unique set of features and benefits accompanying this two wheeler insurance which sets it apart from the others available in the market.

    • It covers you for any partial or total loss / damage caused to your vehicle, arising due to fire & allied perils or due to an accident.
    • Tata AIG Two Wheeler Insurance features Third Party Legal Liability, which basically covers you for any legal liability which may arise due to loss or damage to life or property of a third party.
    • Enjoy a special discount (No Claim Bonus) for a claim free experience.
    • In the event of an accident, depreciation for parts which require to be replaced shall be calculated at a predefined rate.
    • No deduction shall be made on the count of Salvage value.
    • Enjoy the convenience of making direct payments at multiple garages which support Direct Payment facility (only at limited locations).
    • For greater ease and convenience, you may also apply for a Tata AIG two-wheeler insurance policy online.
    • Take advantage of the swift Claim Settlement process with the Tata AIG two-wheeler insurance.
    • In case you have any queries regarding your two-wheeler insurance, the 24x7 customer support center shall assist you in resolving them at the earliest.
    • If you wish to renew your Tata AIG two-wheeler policy, it can be done online in just a few simple steps.
    • You can opt for reminders when it’s time to renew your policy to continue getting top notch protection for your vehicle.
    • Tata AIG has introduced the Auto Secure - Two Wheeler Long Term policy which offers you coverage for two or three years, based on your requirement. However, this policy is only available for vehicles that are less than 5 years old. The key advantages of this long-term policy are as follows:
      • There will be considerable savings on premium, as you will be immune to the annual changes in policy premiums.
      • You need not face the hassle of policy renewal each year.
      • The long-term policy also provides you NCB protection, i.e., the NCB is not nullified when a claim is made; instead it is reduced to a lower slab. Effectively, you can enjoy the NCB benefit for the complete policy tenure even if you make a limited number of claims during this period.

    Tata AIG Two Wheeler Insurance Coverage

    The Tata AIG Auto Secure - Two Wheeler Package policy covers you:

    • For any loss or damage caused to your vehicle.
    • For any Third Party Legal Liability arising out of the accident and resulting in loss/damage to life or property of any third party.

    The Tata AIG Auto Secure - Two Wheeler Long Term policy includes the following coverage:

    • This insurance plan protects the insured vehicle from natural calamities, theft, riots, and malicious damages.
    • It offers liability coverage to protect against death or property damages to third-party.
    • The policy also provides Personal accident cover of Rs.1 lakh to the owner driver.
    • It offers add-on Personal accident cover to pillion riders, apart from the insured driver. This coverage is available for a sum insured of Rs.2,00,000.
    • Customers can also choose to insure the customised electrical and electronic fittings of the vehicle with an add-on cover.

    Tata AIG Two Wheeler Insurance Coverage Exclusions

    Tata Aig Two Wheeler Insurance Coverage

    There are a few general cover exceptions/exclusions applicable to the Tata AIG Two Wheeler Insurance policy. The insurance company shall not be liable to provide cover in the event of any of the following taking place:

    • Any liability and/or loss or damage caused to the vehicle outside the geographical area specified in the policy.
    • Any claim arising due to a contractual liability.
    • Any damage / loss sustained or liability incurred while:
      • The insured vehicle being driven / used outside the limitations specified in the policy; OR
      • The insured vehicle being driven by any person other than the driver as stated in the Driver's Clause.
    • Any loss / damage / liability which is caused / incurred or contributed due to nuclear weapons material.
    • Any loss / damage caused / expense incurred due to damage to property resulting from any consequential loss.
    • Any damage / loss / liability arising directly or indirectly from radioactive contamination or ionizing radiations from any nuclear fuel or nuclear waste left over from the combustion of nuclear fuel.
    • Any accidental loss / damage / liability arising due to invasion, hostilities, war or warlike operations, civil war, military / usurped power, mutiny rebellion, acts of foreign enemies, or events arising out of any direct or indirect consequences of any of the above mentioned occurrences.

    Exclusions to the Tata AIG Auto Secure - Two Wheeler Long Term policy are specified below:

    • The policy will not cover for risks when the vehicle is hired or used for racing/speed testing.
    • The coverage does not include the risks due to the use of the vehicle outside India.
    • All types of wear and tear, consequential loss, or mechanical/electrical breakdown will not be covered.
    • War and nuclear perils are not covered by the policy.

    Add-On Covers For Tata AIG Two Wheeler Insurance

    Depreciation Reimbursement

    This cover reimburses the insured for the amount of depreciation that has been deducted on the value of the replaced parts after an accident, under Section 1 of the policy. You can avail this cover for a maximum of two times during the policy period.

    Eligibility For Tata AIG Two Wheeler Insurance

    Any individual who owns a two-wheeler is eligible to apply for the Tata AIG Two wheeler insurance.

    Claim Process For Tata AIG Bank Two Wheeler Insurance

    Another important feature which sets Tata AIG apart from other insurance providers is its fair, cost-efficient, and swift claim settlement process. For claim settlement, you may either visit any of the nearest Tata AIG Insurance branches or contact them online.

    TATA AIG Two Wheeler Insurance Renewal Online

    It is of utmost importance that you renew your two wheeler insurance scheme in time, in order to continue with all the perks and benefits of it. TATA AIG’s online portal for renewal of two wheeler insurance makes things easy and hassle free for the customers.

    All you need to do is go to their portal and enter your existing policy number along with your Client Identification Number and the two wheeler registration number. You also need to provide personal details including your registered email id and mobile number. The third field would require you enter your source of income. After you make all your payments towards the premium, the digitally signed copy of the insurance plan will be sent to you on your registered email id. You can also download a copy for your reference from the personal dashboard.

    FAQs - Frequently Asked Questions

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    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.

    This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

    TATA AIG Two Wheeler Insurance Reviews

  • Page 1 of 2 1 2
    • 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? 0
      , 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? 1
      , 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
    • Tata AIG Two Wheeler Insurance
      "Good"
      0.5 3.5/5 "Pretty good"
      My two wheeler insurance was taken with TATA AIG. The entire process was taken care by the showroom person. They used to send the statements on time. I have no idea about the policy coverage and plan benefits. I never got any experience with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 04, 2017
    • Tata AIG Two Wheeler Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      Through YAMAHA showroom I got the two wheeler insurance Policy from TATA AIG. I got this policy very recently. I never got any experience with this policy. The customer support is average is good with this policy. I paid around Rs,2000 for the 2 wheeler insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • Tata AIG Two Wheeler Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I have taken a Two Wheeler Insurance with TATA AIG.The premium amount is Rs1600 paid once in a year.I have been using the policy for more than one year.I get a policy coverage of Rs 36,000.Online service is very comfortable to make the premium payment.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 22, 2017
    • Tata AIG Two Wheeler Insurance
      "excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a ongoing two wheeler insurance with TATA AIG I would say their service is excellent there is no difficulty during the documentation process for each and every renewal I use to get intimations through sms or through letter and I am paying 4900 for yearly ,I can say the overall service is excellent from TATA AIG for my two wheeler insurance service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 12, 2017
    • Tata AIG Two Wheeler Insurance
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      I can say it was an good service from TATA AIG ,even the representatives and customer support where also very helpful and responsible ,even I have contact them much. I like their portal much even their interest rate was also good ,so overall it was an excellent service from TATA AIG.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
    • Tata AIG Two Wheeler Insurance
      "HASSLE FREE PROCESSING"
      0.5 5.0/5 "Blown Away!"
      I chose TATA AIG for my 2 wheeler insurance. Major reason of shifting from ICICI LOMBARD to TATA AIG was service factor. Tata AIG processing of insurance renewal was much faster and convenient as compared to ICICI. I would definitely recommend Tata AIG to other customers.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 06, 2017
    • Tata AIG Two Wheeler Insurance
      "My satisfaction "
      0.5 5.0/5 "Blown Away!"
      Excellent. I did my car also it gives full satisfaction to do with Tata Aig general insurance. I never did any claim on my car in last 4 years and for my bike Enfield classic 350 cc in last one year. For my old car which I already sold there is no bumper to bumper.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 26, 2017
    • Tata AIG Two Wheeler Insurance
      "Keep it up"
      0.5 4.0/5 "Great!"
      I have two wheeler which got insured with Tata AIG general insurance company and the premium is around 1900 Rupees and the total insured value is around 55000 Rupees. I am happy with them and I dint faced any claims with them till now.
      Was this review helpful? 4
      , bangalore
      Reviewed on May 25, 2016
    • Tata AIG Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have got the two wheeler insurance policy with the Tata AIG general insurance company. Policy coverage value is around 980 Rupees and the insured value of my vehicle is good and I been with them from the last four years of time.
      Was this review helpful? 4
      , chennai
      Reviewed on Mar 12, 2016
    • Tata AIG Two Wheeler Insurance
      "Okay"
      0.5 4.0/5 "Great!"
      I have insured my car with the Tata AIG general insurance company and the services are good with them. I have taken this policy through online and the insured value of my car is around 3.26 lakh Rupees. The premium is around 6000 Rupees per year.
      Was this review helpful? 2
      , jaipur
      Reviewed on Jan 06, 2016
    • Tata AIG Two Wheeler Insurance
      "Need to improve "
      0.5 3.0/5 "Satisfactory"
      I have the two wheeler insurance policy with the Tata AIG general insurance. I am having it for the last two years of time and am paying around 1300 Rupees to 1400 Rupees. The service need to be improved in the aspects like the agent who looks for the damage of the vehicle took around 4 days of time to inspect vehicle, which is unfair.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 10, 2015
    • Tata AIG Two Wheeler Insurance
      "Satisfied..."
      0.5 3.0/5 "Satisfactory"
      I bought my bike and the show room themselves offered the two wheeler insurance. Just the premium is 1000 to 1200 in a year. I am getting alerts from the showroom guys as they linked to the TATA AIG general insurance. They asked to come their office with my vehicle for renewal and only after inspection they allowed me to go ahead.
      Was this review helpful? 3
      , bangalore
      Reviewed on Nov 23, 2015
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