Are add-ons included automatically?

No. Optional add-ons and their conditions must be confirmed in the insurer’s quote and policy schedule.

What should I check before buying this policy?

Review the insured declared value, deductibles, covered events, exclusions, claim requirements, policy duration and the exact benefits listed in the schedule.

TATA AIG Comprehensive Two-Wheeler Insurance: Cover & Benefits

Comprehensive Two-Wheeler Insurance Overview

TATA AIG Comprehensive Two-Wheeler Insurance is intended to combine third-party liability protection with own-damage cover for the insured motorcycle or scooter. Depending on the issued policy, own-damage protection may apply to insured events such as accidents, fire, theft and specified natural calamities. Third-party liability applies to eligible legal liabilities arising from use of the insured vehicle. The exact scope of protection, limits, deductibles and exclusions are determined by the policy wording and schedule. Premium depends on vehicle specifications, insured value, location, policy duration and selected options. Review the quote and policy documents before purchasing.

Combines cover for eligible damage to your two-wheeler with third-party liability protection

Expert Review of Comprehensive Two-Wheeler Insurance

A comprehensive two-wheeler policy can be useful for riders who want protection for both their own vehicle and eligible third-party liabilities. Compare the insured declared value, compulsory and voluntary deductibles, claim requirements and exclusions before choosing a policy. Do not assume every add-on or every type of damage is included automatically. Confirm the available benefits and their prices in the current insurer quote. Keep the policy schedule, registration details and other required documents accurate to help avoid claim issues.

Pros

Combines own-damage protection with third-party liability cover under the policy.
Can help with eligible repair or loss costs for the insured two-wheeler.
Provides protection against eligible third-party liabilities arising from use of the insured vehicle.

Cons

Premium can be higher than third-party-only cover because own-damage protection is also included.
Claim payments may be reduced by applicable deductibles and policy conditions.
Optional benefits should not be assumed to be included unless listed in the policy schedule.

About Tata AIG (Insurer Profile)

Tata AIG

Key Insights

Founded

2001

Tata AIG was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.

Claims Experience

97.2% CSR, calculated as a 3-year average

Tata AIG settles 97.2% of all claims it receives, demonstrating strong credibility.

Contact Details

1800 266 7780

Headquarters: 6th, 7th, and 8th Floor, Romell Tech Park, Cama Industrial Estate, Goregaon, Mumbai, Maharashtra – 400063

Comprehensive Two-Wheeler Insurance Features and Benefits

Accidental Damage to Your Two-Wheeler

Covers eligible accidental damage to the insured motorcycle or scooter under the own-damage section of the policy.

Deductibles, claim assessment and policy exclusions apply.

Fire-Related Damage

Fire-related damage may be covered where the event is included among the insured perils in the issued policy.

Confirm the applicable conditions and exclusions in the policy wording.

Theft Protection

Theft of the insured two-wheeler may be covered when the claim meets the policy requirements.

Settlement depends on policy conditions, documentation and insured value provisions.

Specified Natural Calamities

Damage caused by specified natural events may be covered under the own-damage section where included in the policy.

Refer to the policy wording for the covered events and exclusions.

Third-Party Liability

Provides cover for eligible legal liability for third-party bodily injury, death or property damage arising from use of the insured vehicle.

Subject to applicable law, policy terms and relevant limits.

Insured Value-Based Settlement

Eligible theft or total-loss claims are assessed under the policy’s insured value and settlement provisions.

Check the insured declared value, deductibles and claim requirements.

What Comprehensive Two-Wheeler Insurance Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Wear and tear, ageing and depreciation-related deductions are subject to policy provisions and are not automatically waived.
Claims arising in circumstances excluded by the policy, including applicable unauthorised use or driving conditions, may not be payable.
Losses outside the insured events, policy limits or applicable conditions may not be covered.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

What's missing in Comprehensive Two-Wheeler Insurance

Routine servicing and ordinary wear and tear are not the purpose of motor insurance.
Mechanical or electrical breakdown is not automatically covered unless the policy expressly provides otherwise.
Benefits such as zero depreciation or roadside assistance require confirmation in the quote and policy schedule.

Insurer

Tata AIG plans and claim process

Comprehensive Two-Wheeler Insurance FAQs

What does comprehensive two-wheeler insurance cover?

It combines own-damage cover for eligible insured events with third-party liability protection, subject to the issued policy wording and schedule.

Does it cover theft of my bike or scooter?

Theft may be covered under the own-damage section when the claim satisfies the policy conditions and documentation requirements.

How is the premium calculated?

The quote may depend on the vehicle make and model, engine capacity, age, location, insured declared value, policy duration and selected options.

Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG website before purchasing.