Switching your third-party car insurance at the time of renewal is a smart way to reassess your insurer. It is not just about staying compliant, but also about choosing a provider that makes the experience smooth and dependable.
TATA AIG General Insurance Company offers exactly that—with a 100% digital process, quick 2-click quotes, affordable premiums, and access to over 5,900 network garages for cars and 4,500+ network garages for bikes. Whether you're renewing after a year or switching from another provider, the transition is simple and reliable.
What Is Third-party car Insurance?
Third-party car insurance is the basic legal requirement under the Motor Vehicles Act, 1988. It offers financial protection if your vehicle causes injury, death, or property damage to another person. Additionally, this insurance covers any legal liabilities that may arise from such incidents.
Why Switch to Tata AIG Third-Party Insurance?
If your car insurance is due for renewal, this is a good time to consider switching to TATA AIG. The company offers reliable service and essential coverage that meets all legal requirements. Here are some reasons why many people choose Tata AIG:
- Affordable Premiums: Tata AIG offers third-party insurance at a reasonable price, making it easier for you to stay insured without spending too much.
- Third-Party Liability Coverage: If your car causes injury, death, or property damage to another person, this insurance helps cover those costs so you do not have to pay out of pocket.
- Personal Accident Cover
- Legal Compliance: This insurance keeps you in line with the Motor Vehicles Act, helping you avoid fines or legal trouble.
- Quick Online Renewal: You can renew your policy online in just a few minutes. The process is simple, and you receive your policy instantly by email.
- Optional Add-ons: Tata AIG offers additional coverage options such as personal accident cover for passengers, which can be added to your policy for extra protection.
Switching to Tata AIG gives you legal protection, peace of mind, and a smooth online experience.
How to Switch to Tata AIG at the Time of Car Insurance Renewal?
If your existing car insurance policy is due for renewal or has expired, switching to Tata AIG’s third-party insurance is a straightforward process that can be completed entirely online. You can make the switch within the 90-day renewal window, ensuring continuous legal protection without any interruptions.
Here’s how to switch your third-party policy to Tata AIG:
Step 1: Review your current or expired policy. Check the coverage details, add-ons (if any), and what was included or excluded in the earlier plan.
Step 2: Enter your car’s registration number on Tata AIG’s website. If it was a Tata AIG policy, click “Renew.” If you’re switching from another insurer, click “Get Quote” and enter the required personal and vehicle details.
Step 3: Select applicable options such as No Claim Bonus (NCB) or adjust the IDV (if relevant). You can also review or remove any additional covers based on your needs.
Step 4: Verify all the entered details and review the final premium displayed on the screen.
Step 5: Make the payment using a preferred online payment method like UPI, net banking, or debit/credit card.
Step 6: Your renewed third-party policy will be sent directly to your email inbox.
Switching to Tata AIG ensures a smooth, reliable, and fully digital experience for your car insurance renewal.
How Is the Third-Party Insurance Premium Calculated?
The premium for third-party car insurance is decided by the Insurance Regulatory and Development Authority of India (IRDAI) and is standard across all insurers. The price depends mainly on the engine capacity or power output of the vehicle. These rates are revised periodically and apply nationwide.
5. Proposed Discounts
- Educational Institution Buses: 15% discount
- Vintage Cars: 50% discount on base premium
- Hybrid Electric Vehicles: 7.5% discount
These premiums are reviewed by IRDAI in consultation with the Ministry of Road Transport and Highways (MoRTH). For the most accurate and current rates, check the IRDAI website or contact an authorised insurer.
Inclusions of Tata AIG Third Party Car Insurance
A third-party car insurance policy offers basic yet essential protection that every vehicle owner must have. Here’s what is covered under TATA AIG’s third-party car insurance:
- Third-party liability: Covers legal and financial liability if your car causes injury or death to someone else or damages their property.
- Property damage: Covers repair costs for damage caused to another person’s vehicle, building, or boundary wall.
- Personal accident cover: Provides Rs 15 lakh cover for the owner-driver in the event of accidental death or permanent disability.
Exclusions of Tata AIG Third-Party Car Insurance
While third-party insurance offers essential legal protection, it does not cover everything. Here are the key exclusions under TATA AIG’s third-party car insurance:
- Damage to Own Car: This is covered under a comprehensive insurance policy.
- Passenger Injuries: These types of injuries are not included unless you opt for a separate rider.
- Non-Accidental Damages: Damages like Theft, fire, floods, and vandalism are not covered.
- Driving Under Influence: While third-party claims are paid, the insurer may recover costs from the policyholder if found guilty.
What to Check Before Switching Your Third-Party Policy?
Before moving your third-party car insurance to another provider, it’s important to review a few essential details to ensure there is no break in coverage and that the new policy meets your requirements.
- Policy Expiry Date: Ensure you start the switching process before your current policy expires to avoid a coverage gap.
- Coverage Type: Third-party insurance covers only damages to others. Consider comprehensive plans if you need coverage for your own vehicle, too.
- Add-On Options: Check if the new insurer offers useful add-ons like Personal Accident Cover for passengers or Zero Depreciation.
- Premium Cost: Compare premiums based on factors like car engine size, age, and location to find the best deal.
- Claim Process: Choose an insurer with a simple, reliable claim process. TATA AIG offers a fully online process with updates.
- Customer Experience: Review user feedback to ensure a high level of customer service and satisfaction.
Conclusion
Renewing your car insurance should be simple and stress-free, especially when you choose a trusted insurer like TATA AIG. With a digital-first process, clear policy terms, and affordable premiums, switching your third-party insurance becomes a smooth and reliable experience.
Whether your priority is staying legally compliant or ensuring basic protection on the road, Tata AIG’s third-party car insurance offers the support you need.