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Tata AIG Commercial Vehicle Insurance
Tata AIG Commercial Vehicle Insurance is a specialised motor insurance solution designed to protect vehicles used for business, logistics, goods transportation, and passenger services across India. Backed by the trusted Tata Group and global insurer AIG, Tata AIG offers reliable coverage, strong claim support, and digital convenience for commercial vehicle owners and fleet operators.
Whether you own a truck, Tata Ace, pickup, mini truck, taxi, tractor, three-wheeler, or a fleet of commercial vehicles, Tata AIG helps safeguard your vehicle, income, and legal liabilities.
Commercial Vehicle Insurance Plans#1
Addons
- IMT 23Helps pay for repairing, replacing, or repainting damaged parts like lamps, tyres, tubes, mudguards, bonnet, side parts, bumper, and headlights after an accident.
- Zero DepreciationAlso called Bumper-to-Bumper or Nil Depreciation, this gets you the full price for replacing a damaged part (excluding tyres and batteries) without any decrease in value.
- Electrical AccessoriesCovers damage to additionally-fitted electrical accessories like fog lights, music system etc.
Claim Benefits
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
#1 Rs 5773/- per annum is the price for third-party commercial vehicle insurance for Mahindara Alfa PAX DX registration year 2020. The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. The comprehensive commercial vehicle insurance prices mentioned above are for a 5 year Mahindara Alfa PAX DX registration year 2020. These quotes are from mentioned from lowest to highest price. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
About Tata AIG General Insurance Company Limited
Tata AIG General Insurance Co. Ltd. is an IRDAI-registered private general insurance company, formed as a joint venture between Tata Group and American International Group (AIG) in 2001. The company has built a strong reputation for transparent policies, customer-centric service, and efficient claims handling.
Key Highlights
- Backed by the trusted Tata brand
- Strong financial stability and solvency
- Pan-India service network
- Extensive cashless garage coverage
- Easy online policy issuance and renewal
What Is Tata AIG Commercial Vehicle Insurance?
Tata AIG commercial vehicle insurance provides financial protection against:
- Accidents and collisions
- Theft and total loss
- Fire and natural calamities
- Third-party injury or property damage
- Legal liabilities arising from vehicle usage
The policy ensures legal compliance under the Motor Vehicles Act while protecting businesses from unexpected financial losses.
Commercial Vehicles Covered by Tata AIG
Tata AIG insures a wide range of commercial vehicles, including:
- Goods carriers and transport trucks
- Light, medium & heavy commercial vehicles
- Pickups and mini trucks (Tata Ace, Yodha, Intra, 407, etc.)
- Commercial cars and taxis
- Passenger carriers and staff vehicles
- Three-wheelers (goods & passenger)
- Tractors and agricultural vehicles
- Fleet vehicles for logistics and transport companies
Types of Tata AIG Commercial Vehicle Insurance
1. Third-Party Commercial Vehicle Insurance
- Mandatory by law
- Covers injury, death, or property damage to third parties
- Does not cover damage to the insured vehicle
2. Comprehensive Commercial Vehicle Insurance
- Covers third-party liability + own damage
- Protection against accidents, theft, fire, floods, riots, and earthquakes
- Ideal for daily-use commercial vehicles
3. Standalone Own-Damage Insurance
- Covers damage to your commercial vehicle only
- Requires an active third-party policy
4. Fleet Insurance
- Designed for businesses with multiple vehicles
- Simplified policy management and renewals
Coverage Benefits of Tata AIG Commercial Vehicle Insurance
A comprehensive Tata AIG commercial vehicle policy covers:
- Accidental damage and collisions
- Theft and burglary
- Fire, explosion, and self-ignition
- Natural calamities like floods, earthquakes, cyclones
- Man-made risks such as riots and vandalism
- Third-party legal liability
Add-On Covers for Enhanced Protection
Tata AIG offers optional add-ons to enhance coverage:
- Zero depreciation cover
- Engine & gearbox protection
- Roadside assistance
- Consumables cover
- Return to invoice (for eligible vehicles)
- Personal accident cover for driver, cleaner, and employees
Factors Affecting Tata AIG Commercial Vehicle Insurance Premium
The premium is calculated based on:
- Type and category of vehicle
- Load capacity and usage
- Vehicle age and model
- Insured Declared Value (IDV)
- RTO location and route
- Claim history and No Claim Bonus (NCB)
- Selected coverage and add-ons
Online Services Offered by Tata AIG
Tata AIG provides a smooth digital experience for commercial vehicle owners:
- Buy commercial vehicle insurance online
- Instant policy issuance
- Online renewal with NCB benefits
- Policy download and duplicate copy
- Endorsements and corrections
- Online claim registration and tracking
Cashless Garage Network
Tata AIG has a wide cashless garage network across India, enabling:
- Faster vehicle repairs
- Minimal paperwork
- Reduced downtime
- Hassle-free claim settlement
Tata AIG Commercial Vehicle Claim Process
The claim process is simple and efficient:
- Intimate the claim online, via app, or helpline
- Vehicle inspection and documentation
- Repair at cashless garage or reimbursement option
- Timely claim settlement
This ensures business continuity with minimal disruption.
Why Choose Tata AIG Commercial Vehicle Insurance?
Trusted Tata brand backing
Strong claim settlement support
Extensive cashless garage network
Flexible coverage options & add-ons
Digital-first policy management
Suitable for individual owners & fleet operators
Conclusion
Tata AIG Commercial Vehicle Insurance is a dependable choice for businesses looking to protect their transport and logistics vehicles. With comprehensive coverage, strong claims support, and the trust of the Tata Group, Tata AIG helps commercial vehicle owners stay compliant, protected, and financially secure.
Whether you operate a single goods carrier or a large commercial fleet, Tata AIG offers insurance solutions designed to keep your business moving smoothly.
What is comprehensive and third-party policy in terms of commercial vehicle?
In commercial vehicle insurance a third-party insurance covers any damage to a third party that is except your vehicle, and the driver. On the other hand, a comprehensive policy covers the insured vehicle itself (including damage or loss due to accidents, fire, theft, natural events, etc.) as well as third-party liabilities.
What is a passenger carrying vehicle?
A passenger carrying vehicle is a commercial vehicle which charges passengers for the privilege of driving them - often in the form of buses or coaches. Examples are buses, vans, taxis and the like.
What is meant by Goods carriage vehicle?
A goods vehicle is a commercial road vehicle used for transporting goods. These may include trucks, lorries, pick-up vans, tempos and so forth.
What is a miscellaneous and special vehicle type?
Vehicles, which can not be easily placed into the groups of "passenger taking" or "goods taking" vehicles are classified as miscellaneous and special vehicles. Considering a case of the same, such vehicles may comprise ambulances, cinema vans, special purpose vehicles (SPVs), construction site vehicles and/or similar types.
My commercial truck has been in an accident, what should I do?
If your commercial vehicle gets into an accident:
- Engine off (if safe) and make sure all persons are well guarded.
- Assess for injuries and call medical help if required.
- Photograph/videotape the accident scene: vehicle damage, road conditions, skid marks, etc.
- Inform the police (Log an FIR if necessary – in particular where there is injury to a third-party or damage to property).
- Contact your insurance company promptly (you may only have 24-72 hours to report) and go through their claim procedure.
- Have all relevant documents in place: Vehicle registration, policy papers, driving licence, FIR/incident report and photos.
How to get the mobile van repaired in case of damage for my commercial vehicle?
You can have the vehicle serviced at a workshop at any of your insurer’s authorised or network garages (which typically tie-up for cashless claims). If the car is not drivable, have it towed in accordance with your policy. It is a good idea to check with your auto insurer before you start major repairs, to prevent the denial of a claim.
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