Auto Secure - Standalone Own Damage Private Car Policy

Customer Information Sheet/Know Your Policy

This document provides only key information about your policy. Please refer to the policy
document for detailed terms and conditions.

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
1. Name of the Auto Secure - Standalone Own Damage Private
Insurance Car Policy
Product

2. Unique IRDAN108RPMT0001V02201920
Identification
Number (UIN)
allotted by IRDAI

3. Structure Basis of Sum Insured: Indemnity

4. Interests Insured Private Car

5. Sum Insured / Section I – Loss of or Damage to the Vehicle Section I –

Motor Insured Insured: Loss of or
Declared Value The IDV (Insured Declared Value) of the vehicle Damage to
Scope (and any fitted accessories) is based on the the Vehicle
manufacturer's listed selling price of the brand Insured
and model at the start of insurance or renewal,
adjusted for depreciation. For vehicles over 5
years old and obsolete models, the IDV is
determined by agreement between the Insurer
and Insured.
The IDV is considered the 'Market Value'
throughout the Policy Period without further
depreciation for Total Loss (TL) or Constructive
Total Loss (CTL) claims. In accordance with the
Policy's terms and conditions, a vehicle is
considered a CTL if the cost of retrieval and/or
repair exceeds 75% of its IDV.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
Illustration - IDV Calculation:

A Ex-Showroom Price (As on Date ₹10,00,000

of Purchase)
B Age of the Car 1 year
C Year of Registration May, 2023
D Proposed Policy Inception June, 2024
Date/Month

E Depreciation As Per Scale (Car 20%

is >1 Year and < 2 Years)
F IDV Calculation (A – (A*E)) ₹8,00,000

6. Policy Coverage 1. Loss or Damage to Insured Vehicle Section I –

Loss of or
The Company will cover losses caused to the
Damage to
vehicle and/or its accessories while fitted on
the Vehicle
the vehicle due to:
Insured
i. Fire, explosion self-ignition or lightning;
ii. Burglary, housebreaking or theft;
iii. Riot and strike;
iv. Earthquake (Fire and shock damage);
v. Flood, typhoon, hurricane, storm,
tempest, inundation, cyclone, hailstorm,
frost;
vi. Accidental external means;
vii. Malicious act;
viii.Terrorist activity;
ix. Whilst in transit by road rail inland -
waterway lift elevator or air;
x. Landslide, rockslide

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
7. Available The Below Add-Ons Shall Be Applicable (If
Add-On for the opted by you and mentioned in the Policy
said Product Schedule)
1. Repair of Glass, Fiber, Plastic & Rubber
Parts:
A claim for only glass / plastic / rubber / fiber
part where you opt for repairs rather than
replacement, at our authorized
workshops/dealers/service stations will not
affect your No Claim Bonus.

2. Key Replacement:
The Company will reimburse you for the cost
of replacing your vehicle keys which are lost
or stolen. In case your vehicle is broken into,
then the Company will reimburse you for the
cost of replacing your locks and keys
including the labor cost for replacing the
lock.

3. Emergency Transport & Hotel Expenses:

The Company will cover the cost of overnight
stay and taxi charges back to your residence
or the closest city if the Insured Vehicle is
rendered immobilized by an accident
caused by a peril covered under Section I.

4. Loss of Personal Belongings:

The Company will cover loss or damage to
your personal belongings and those of your
family members if they were in the vehicle
when it was damaged or lost. This coverage
applies to losses caused by the perils listed
in Section I of the Policy.

5. Roadside Assistance:
This cover provides assistance in case of an
accident or breakdown, including repairs
and towing. Services include flat tyre and
battery repair, on-the-spot repairs, spare

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
key retrieval, fuel delivery, emergency
towing, SMS relays, taxi support for
continuation/return journeys, hotel
accommodation, and pickup of the repaired
vehicle.

6. Depreciation Reimbursement:
The Company will reimburse you twice
throughout the Period of Insurance for the
amount of depreciation deducted from the
value of parts replaced under an Own
Damage Claim.

7. Consumable Expenses:
The Company will pay the cost of
consumables, such as engine oil, gearbox
oil, lubricants, nut & bolt, and items of
similar nature excluding fuel, required to be
replaced/replenished arising from an
accident to the Insured Vehicle.

8. Return to Invoice:
The Company will pay the financial shortfall
between Insured’s Declared Value (IDV) of
the Insured Vehicle and on-road price of a
new vehicle of similar make and model
published by manufacturer/dealer upon lost
or stolen vehicle/total loss. On-road price
includes registration fees, road tax &
Insurance charges.

9. Electric Surge:
This covers against loss or damage to
Electric Vehicle including charging
equipment due to arcing, self-heating,
leakage of electricity, short circuiting
damage due to ingress of water.

10. No Claim Bonus Protection Cover:

If you file for a claim, you forego on your No
Claim Bonus (NCB), but with No Claim Bonus

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
Protection Cover your NCB will be intact
subject to 2 or more than 2 claim free
preceding years, provided not more than 1
Own Damage Claim is registered in the
current Period of Insurance.

11. Tyre Secure:

The Company will cover expenses for repair
and/or replacement of tyres and tubes
arising out of Accidental Loss or Damage.

12. Engine Secure:

This covers repair and replacement
expenses for damage to internal parts of the
engine, gearbox, transmission, or
differential assembly due to water ingress or
lubricating oil leakage from the engine or
assembly, excluding fuel.

13. Daily Allowance Plus:

If the Insured Vehicle is damaged by a
covered peril under Section I (Own Damage),
you will be offered:
1. Daily Allowance: Payment as specified in
the schedule to cover hired transport
costs and reduce inconvenience.
2. Courtesy/Hire Car: Arrangement of a
Courtesy/Hire Car, though not
necessarily matching the vehicle's size,
segment, type, value, or status
3. Travel Expense: Predefined fixed travel
expense on per day basis will be
provided for the period opted by Insured.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
14. Depreciation Reimbursement - Battery:
The Company will pay you the amount of
depreciation deducted on the value of the
battery replaced under Own Damage Claim,
lodged under Section I (Loss of or Damage to
the Insured Vehicle) of the Policy. The
Company will pay the number of claims as
mentioned in the Policy Schedule during the
Policy Period.

15. Reinstate Cover:

The Company will pay you for the cost of
repair to any one panel of your vehicle
provided that the accidental damage to the
panel has occurred during the Policy Period
caused by perils specified under Section I of
the Base Policy but could not be reported as
per Base Policy condition immediately after
the damage to the panel for any reason.

16. Emergency Medical Expenses:

The Company will cover emergency medical
expenses for the treatment of bodily injuries
sustained by you, the driver, or occupants
while mounting, dismounting, driving, or
traveling in the Insured Vehicle. The injuries
must be caused by violent, accidental,
external, and visible means, with treatment
taken in a hospital or nursing home.

17. Additional Towing Charges:

If an Insured Vehicle becomes disabled due
to any loss or damage covered by Section I of
the Policy, the Company will compensate
you for the expense of having it towed to the
nearest garage or service station.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

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 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
18. Misfuelling:
The Company will pay the cost of flushing
out the wrong/adulterated fuel filled at the
fuel filling station including replacement of
parts damaged due to incorrect fueling. The
Company will also reimburse the cost of
wrong/adulterated fuel up to a maximum of
₹2000/- on submission of the bill. Maximum
number of claims permissible in a Policy
Period is restricted to one.

19. Vehicle Loan Protector:

In the unfortunate event of death or
permanent total disability sustained by
Owner-Driver, the Company will pay the
outstanding vehicle loan amount which is
payable by you to financial institution.

Add-On Limits and Deductibles:

Sr. Add-On Sum Insured / Deductible

No. Limits (In ₹)

1. Repair of - -
Glass, Fiber,
Plastic &
Rubber
Parts
2. Key 25,000 / 65,000 -
Replacement

3. Emergency 10,000 / 50,000 -

Transport
& Hotel
Expenses

4. Loss of 10,000 / 50,000 First ₹250

Personal of each and
Belongings every claim

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 7 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
5. Roadside - -
Assistance
6. Depreciation IDV -
Reimburse-
ment
7. Consumable IDV -
Expenses
8. Return to Difference -
Invoice between IDV and
on-road price of
new vehicle
including
Registration Fees,
Road Tax and
Insurance Charges
9. Electric IDV -
Surge

10. Tyre Secure IDV -

11. No Claim - -
Bonus
Protection
Cover
12. Engine IDV a. No
Secure deductible
b. With
deductible
i) Repair
case: 5% on
claim
amount
ii) In case of
Replaceme-
nt: 10% on
claim
amount

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 8 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
13. Daily Daily Allowance Time
Allowance Limit (per day): Excess
Plus a. Mini – 1,000; Days: 1 / 2
b. Compact – /3
1,200;
c. Mid-size –
1,500;
d. MPV/SUV –
2,000,
e. High end –
3,000;
f. Ultra-High end -
5,000.

No. of days:
4/6/8/10
Per day Hrs/Kms
Limit for
Courtesy/Hire Car:
a. 8Hrs/80Kms;
b. 10Hrs/100Kms;
c. 12Hrs/120Kms.
Time Excess
0/1/2/3
14. Depreciation IDV Zero
Reimbursem Deductible/
ent - Battery 5% of claim
amount
and
minimum
of ₹500 for
each and
every claim

15. Emergency 25,000 to -

Medical 1,00,000 (in
Expenses multiples of 5000)

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 9 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
16. Additional 5,000 to 50,000 -
Towing (in multiples of
Charges 5000)
17. Misfuelling IDV -

18. Vehicle Loan IDV -

Protector
19. Reinstate a. Mini - 5,000;
Cover b. Compact - 6,000;
c. Mid-size - 6,000;
d. MPV/SUV - 8,000;
e. High end -
10,000;
f. Ultra-High end -
15,000.
For complete list of detailed Terms, Exclusions &
Conditions, please refer Policy Wordings.

8. Loss Participation Compulsory Deductible under ‘Loss of or Section I –

Damage to The Vehicle Insured’: Loss of or
Damage to
1. <=1500CC: ₹1000
the Vehicle
2. > 1500CC: ₹2000 Insured –
Auto Secure
Endorsements

9. Exclusions 1. Any Accidental Loss or Damage and/or General

liability caused sustained or incurred outside Exclusions
the geographical area.
2. Any claim arising out of any contractual
liability;
3. Any Accidental Loss or Damage and/or
liability caused sustained or incurred whilst
the Vehicle Insured herein is being used
otherwise than in accordance with the

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 10 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
‘Limitations as to Use’ or being driven by or is
for the purpose of being driven by him/her in
the charge of any person other than a Driver
as stated in the Driver’s Clause.
4. Any Accidental Loss or Damage to any
property whatsoever or any loss or expense
whatsoever resulting or arising there from or
any consequential loss.
5. Any liability of whatsoever nature directly or
indirectly caused by or contributed to by or
arising from ionising radiations or
contamination by radioactivity from any
nuclear fuel or from any nuclear waste from
the combustion of nuclear fuel. For the
purpose of this exception combustion shall
include any self sustaining process of
nuclear fission;
6. Any Accidental Loss or Damage or liability
directly or indirectly caused by or
contributed to by or arising from nuclear
weapons material;
7. The Company will not cover any Accidental
Loss, Damage, or Liability caused directly or
indirectly by war, invasion, acts of foreign
enemies, hostilities (whether before or after
a declaration of war), civil war, mutiny,
rebellion, military or usurped power, or any
consequences of these events. In the event
of a claim, the Insured must prove the loss
or damage arose independently of these
occurrences. Without such proof, the
Company is not liable for the claim.
8. Deductible: The Company shall not be liable
for each and every claim under Section I
(Loss of or Damage to the Vehicle Insured)
of this Policy in respect of the deductible
stated in the Schedule.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 11 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
10. Special Conditions 1. Depreciation Reimbursement:
and Warranties (If a. A claim where replacement of any part is
Any) not involved and no depreciation is
deducted under Own Damage Claim,
will not be considered as claim under
this cover.
b. Vehicle is repaired at any of our
authorised garage/authorised workshop
/authorised service station.
2. Return to Invoice:
a. The finance company/bank whose
interest is endorsed on the Policy must
agree in writing.
3. Engine Secure:
Claim under this endorsement will be
admissible only if:
a. In case of water damage, there is and
evidence of vehicle being submerged or
stopped in water logged area.
b. In case of leakage of lubricating oil, there
is visible evidence of Accidental Damage
to engine or respective assembly.
c. Vehicle is transported/towed to garage
within 2 (two) days of water receding
from the water logged area.

4. Tyre Secure:
a. By paying the necessary premium, a
replaced tyre can be covered by
endorsement in the event that a claim is
preferred under the terms of the
coverage.
b. All claims must be made within 3
working days of damage.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 12 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
11. Admissibility of 1. You shall take all reasonable steps to
Claim safeguard the Vehicle Insured from loss or
damage and to maintain it in efficient
condition.
2. Notice of claim must be given by you to us
immediately after an actual or potential loss
begins or as soon as reasonably possible
after actual or potential loss begins.
3. In the event of any accident or breakdown,
the Vehicle Insured shall not be left
unattended without proper precautions
being taken to prevent further damage or
loss and if the Insured Vehicle is driven
before the required repairs are made, any
further damage or extension of the damage
will be at your own risk.
4. If the claim is for theft, Insured should
report to the Police as well as Insurer within
48 hrs from theft and obtain an FIR or a
written acknowledgement from the Police
authorities.
5. The Company shall not cover claims wherein
such loss or damage is arising or resulting
from or traceable to intentional self-injury,
suicide or attempted suicide physical defect
or infirmity.
6. The Company shall not cover any expense
arising or resulting from or traceable to an
accident happening whilst you are under the
influence of intoxicating liquor or drugs.
Sample Claims Calculation:
A Gross Assessed Liability ₹10,000
B Less: Depreciation (If Applicable) (₹2,000)
C Net Assessed Liability (A-B) ₹8,000
D Less: Compulsory Deductible (₹2,000)
E Net payable amount (C-D) ₹6,000

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 13 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
12. Policy Servicing - The Insured/Claimant may intimate claim to
Claim Intimation TATA AIG via:
and Processing
• Website: www.tataaig.com
• TATA AIG App – Download our customer app
from Play Store (Android and IOS users)
• WhatsApp: Send “Hi” on “9136160375”
• Email: general.claims@tataaig.com

Notice of claim must be given by you to us

immediately after an actual or potential loss
begins or as soon as reasonably possible after
actual or potential loss begins. If the claim is for
theft, Insured should report to the Police as well
as Insurer within 48 hrs from theft and obtain
an FIR or a written acknowledgement from the
Police authorities.
Please keep the following information ready
when you call the call centre:

1. Your Contact Numbers

2. Policy Number
3. Name of Insured
4. Date & Time of Loss
5. Location of Loss
6. Nature of Loss
7. Contact Details of the Person at the Loss
Location
8. Location of Damaged Vehicle

Note: The above list is only indicative. You may

be asked for additional information.

• Details of designated Company Officials to

be contacted in time of claim:
Once the claim is registered,
SMS/Email/WhatsApp communication is

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 14 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
sent to Insured on the Mobile
Number/Email ID registered in Policy
providing the name and contact details of
Company Official to be contacted for any
concerns/queries regarding the claim.

• Details of procedure to be followed for

Cashless Service as well as for
Reimbursement of Claim:
• Intimation of claim to TATA AIG through
various mediums available (Website:
www.tataaig.com, TATA AIG App,
WhatsApp - Send “Hi” on “9136160375”,
TATA AIG Customer App on Google Play
& Apple Store).
• First contact team connects with Insured
to confirm workshop location and
confirm if the vehicle is placed for
repairs.
• Appointment of Surveyor by TATA AIG.
• Documents are verified by the Surveyor,
and if all documents are in order, repair
approval is shared immediately.
Tentative list of documents is noted
below:
a) Claim Form (In prescribed format
duly filled and signed)
b) Registration Certificate of the
vehicle. (Self-Attested by Insured /
verification when required)
c) Driving license of the person driving
the vehicle at the time of accident.
(Self-Attested by Insured /
verification when required)
d) FIR – (In case of Third-Party
Injuries/Property Damage/major
losses)

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 15 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
e) Permit Copy (Commercial Vehicle
only)
f) Fitness Certificate (Commercial
Vehicle only)
g) Load Challan (Commercial Vehicle
only)
h) Theft Losses: All the documents as
mentioned above along with Police
final/untraced report.
i) Repair bills/supporting documents &
receipts post repair.
The Company may ask for additional
information/documents for verification of
facts related to your claim, if required.
• Once the repair works are completed by
the workshop, re-inspection of the
vehicle may be carried out, if required.
• Upon submission of repair invoice to
TATA AIG in case of Cashless Claims,
delivery order is shared with workshop,
post which Insured can take delivery of
vehicle.
• In case of Reimbursement Claims,
Insured will have to submit repair
invoice in original and a copy of
cancelled cheque to TATA AIG.
• Claim payment is done through NEFT
within 7 days from receipt of all relevant
documents.
• Turnaround Time (TAT) for claims
settlement:
All claims shall be settled within 7 working
days of the receipt of all relevant
documents, including original bills &
clarifications, if any.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 16 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
• Escalation Matrix when TAT is not
satisfied:
The Company is committed to extend the
best possible services to its customers.
However, if you are not satisfied with our
services and wish to lodge a complaint,
please feel free to email to the
customer service desk at
customersupport@tataaig.com
After investigating the matter internally and
subsequent closure, the Company will send
our response within a period of 10 days
from the date of receipt of the complaint by
the Company or its office in Mumbai. In case
the resolution is likely to take longer time,
the Company will inform you of the same
through an interim reply.

Escalation Level 1:
For lack of a response or if the resolution
still does not meet your
expectations, you can write to
manager.customersupport@tataaig.com
After investigating the matter internally and
subsequent closure, the Company will send
our response within a period of 8 days from
the date of receipt of your complaint.
Escalation Level 2:
For lack of a response or if the resolution
still does not meet your expectations, you
can write to the Head - Customer Services at
head.customerservices@tataaig.com
After examining the matter, the Company
will send you our response within a period
of 7 days from the date of receipt of your
complaint. Within 30 days of lodging a
complaint with us, if you do not get a
satisfactory response from us and you wish
to pursue other avenues for Redressal of

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 17 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
Grievances, you may approach Insurance
Ombudsman appointed by IRDA of India
under the Insurance Ombudsman Scheme
(https://www.cioins.co.in/Ombudsman).

13. Grievance The Company is committed to extend the best

Redressal and possible services to its customers. However, if
Policyholders you are not satisfied with our services and wish
Protection to lodge a complaint, please feel free to contact
us through below channels:
• Email us at customersupport@tataaig.com
• Write to us at:
Customer Support, TATA AIG General
Insurance Company Limited, Peninsula
Business Park, Tower A, 15th Floor,
Ganpatrao Kadam Marg, Lower Parel,
Mumbai - 400 013, Maharashtra, India
Visit the Servicing Branch mentioned in the
Policy Document.
• Nodal Officer:
Please visit our website at www.tataaig.com
to know the contact details of the Nodal
Officer for your servicing branch. After
investigating the grievance internally and
subsequent closure, the Company will send
our response within a period of 10 days
from the date of receipt of the complaint by
the Company or its office in Mumbai. In case
the resolution is likely to take longer time,
the Company will inform you of the same
through an interim reply.
• Grievance Redressal Procedure:
Our Grievance Redressal Procedure and
details about Ombudsman are available at
the Company website www.tataaig.com.
Grievance may also be lodged at IRDAI
Integrated Grievance Management System
(https://bimabharosa.irdai.gov.in/).

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 18 of 19
 Auto Secure - Standalone Own Damage Private Car Policy

Sr. Title Description Policy Clause

No. (Please refer to applicable Policy Clause Number No.
in next column)
14. Obligations of the 1. You are advised to go through the Policy
Policyholder Schedule cum Certificate of Insurance which
is issued based on information and
declaration provided by you.
2. Transcript of Information & Declaration is
also provided to enable you to go through
the same again and if any error/discrepancy
is found in respect of vehicle details, No
Claim Bonus or any other information
provided by you, it should be brought to our
notice within 15 days of receipt of this Policy
for necessary correction along with the
supporting documents, otherwise it will be
deemed to be correct.
3. Please note that any fraud will lead to
cancellation of Policy-ab initio with
non-consideration of claim, if any.
4. Further, non-disclosure of material facts
may impact the claim settlement. Material
facts include vehicle details such as Class of
Vehicle, Cubic Capacity, Make, Model,
Variant.

Disclaimer: For more details on benefits, exclusions, limitations, terms & conditions, please refer to the policy wordings on www.tataaig.com carefully. The trade logo displayed above belongs
to TATA Sons Private Limited and AIG and is used by TATA AIG General Insurance Company Limited under License.

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel, Mumbai - 400013, Maharashtra, India
24*7 Toll free No.: 1800 266 7780 • Email: customersupport@tataaig.com • Website: www.tataaig.com • IRDA of India Registration No.: 108
CIN: U85110MH2000PLC128425 • Auto Secure - Standalone Own Damage Private Car Policy UIN: IRDAN108RPMT0001V02201920

Page 19 of 19