Tata AIG Bike Insurance Review : Types, Features, Discount, Exclusions

If you are looking for a good and reliable insurance for your bike or other two wheeler, then Tata AIG Bike Insurance can also be a good cover option for you.

Given below is the complete information about it, which will help you to choose the best bike insurance for you.


Tata AIG Bike Insurance Review


Tata AIG Bike Insurance Review


In today’s time, the Government of India has made it mandatory to have a valid insurance along with other documents of the vehicle. 

If you forget to carry insurance with you, then you may face heavy challans.  That is why it is very important for you to get a bike cover for your bike. 

If we talk about the best bike Insurance company in India, then one of them is Tata AIG Bike Insurance.  It is an insurance company by the Tata Group. 

Which also won the General cover Claims Team of the Year Award in 2013.  Friends, if we talk about the strength of this company, then in today’s time it has more than 5000 network connectivity garages. 

And its claim settlement ratio is also above 90%.  This company has made more than five crore customers till date.  In such a situation, you can also get your bike insured from this company. 

If you are thinking of getting your bike cover from this company, then read this post carefully.  So that you can get complete information about this insurance.

Also Read About : IFFCO Tokio Bike Insurance


Special Features of Tata AIG Bike Insurance


Special Features of Tata AIG Bike Insurance


Friends Tata AIG is a bike insurance coming from the reputed Tata Group in India.  Due to the name associated with the Tata Group, people consider it a good and right cover for themselves. 

This is the reason, that it has more than 5 crore customers in today’s time.  Some of the special features of Tata AIG Bike Insurance Company are given below, if you are looking to insure your vehicle with this company, then you should know this.

Key Features
Network Connectivity 5,000 Plus
Claim Ratio 90.49% in 2020 (FY)
Help Assistance Available 24×7
Number of Customers 5 Crore+
Accreditation I(AAA) Rating by ICRA
Presence 190+ Countries
Third Party Bike Insurance Available
Comprehensive Bike Insurance Available
Own Damage Bike Insurance Available

Types of Tata AIG Two Wheeler Insurance


Friends, Tata AIG company mainly provides three types of bike cover or two wheeler insurance, in which own damage, third party liability insurance and comprehensive two wheeler cover are the main ones.  These are discussed in detail below.


Own Damage Two Wheeler Insurance


Friends, if your vehicle gets damaged due to any natural or man made methods like Fire, Explosion, Self Ignition, Typhoon, Hurricane, Cyclone, Hailstorm, Landslide, Terrorist Activity, and if you have taken Tata AIG Two Wheeler Insurance,  Then you get to see the cover of your car.


Third Party and Liability Two Wheeler Insurance


Friends, under the, the Government of India has made it very necessary to have a third party and liability two wheeler cover if anyone drives his vehicle on the road.  In such a situation,

If you want to get only third party and liability insurance for your vehicle, then you can also get that done through this company.


Personal accident cover


Friends, if you face any type of accident while traveling, in which you get injury or permanent disability.  Then you are given personal accident news up to one lakh in such a situation.


Eligibility of Tata AIG Bike Insurance


Friends, although this company has not kept any eligibility of any kind, if you are an Indian citizen to get your insurance, and your vehicle is registered with the Regional Transport Authority in India, then you can get your two wheeler cover from this company or  You can insure any other vehicle.


Discounts


Friends, Tata AIG Two Wheeler Insurance is a very large and well-known insurance company coming from the Tata Group. 

In such a situation, these companies also provide some such discounts, which are very attractive to the customers.  Out of which No Claim Bonus is the main one. 

In which you get to see a discount of 20% in your next year’s premium.  If you have not made any claim last year.  And this discount takes 20 to 50 percent.  It has been properly explained through a chart below.

Premium Year Discount
One Claim-free year 20%
One Claim-free year 25%
One Claim-free year 35%
One Claim-free year 45%
One Claim-free year 50%

TATA AIG Two Wheeler Insurance Exclusions


Friends, Tata Group has also set some exclusions for this insurance, so if you are found doing these exclusions, then you will not see any kind of claim of your cover , some of these main exclusions we have given below.  are told-

1. If any kind of mechanical or electrical breakdown occurs in your vehicle, then this company is not responsible for this.

2. If you are driving under the influence of any kind of intoxicant like alcohol, and you have taken the cover of this vehicle.  And if you have an accident, then you are not given any kind of claim.

3. If you do not have a valid driving license and you have an accident while driving, then this company does not have any responsibility.

4. If you are traveling in an international country with an Indian insurance, then this company will not give you any kind of claim.


Conclusion


Friends, in today’s time it is very important to have a valid insurance of your bike along with other documents. This will not only save you from heavy challans from the police, but will also give you cover for any kind of accident. 

In such a situation, it is very important to have a two wheeler cover.  Today we talked about Tata AIG Bike Insurance. Hope you liked our post for today and helped you choose the best insurance for yourself.

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