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Auto Secure Private Car Package Policy

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  • Feautres & Coverage
  • Exclusions
  • Disclaimer

Loss of or damage to the vehicle insured
Damaged the vehicle? Do notNo worryies if the cause is one of the below-


  • Accidental external means
  • Burglary, house-breaking or theft/ rRiot and strike
  • Fire, explosion self-ignition or lightning
  • Earthquake (fFire and sShock dDamage)
  • Natural calamities like, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost.;
  • Terrorist aActivity/mMalicious aAct
  • Landslide/rRockslide
  • Wwhilst in transit by road rail inland - waterway lift elevator or air

Liability to Third Parties

Apart from damage to your vehicle, an accidentaccident may cause you liability in terms of bodily injury/death of a thirdof third party or property damage of a thirdof third party which can be covered under the Auto Secure Private Car Package Policy insurance.

Personal Accident Cover for the Owner-Driver

God forbid if you get hurt! In case of bodilyof a bodily harm to the insured in the process of getting on or off from the insured car or while riding as a co-driver or whilst driving etc.

Details of Injury Scale of Compensation
i) Death 100%
ii) Loss of two limbs or sight of two eyes or one limb and sight of one eye 100%
iii) Loss of one limb or sight of one eye 50%
iv) Permanent Total Disablement from injuries other than named above 100%

Coverage is available for maximum cCapital sSum iInsured of Rs. 15,00,000 Now, before we take you through further details, let us first understand the basics of a motor insurance policy.
IDV (Insured’s Declared Value) The IInsured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘sum insured’ for the purpose of this pPolicy which is fixed at the commencement of each policy period for the insured vehicle.
Does that mean this sum insured remains the same for the life of the policy? No. That would be a fairy-tale. Yes, it depreciates.
This brings us to the next important point regarding a motor insurance policy
Depreciation- Only for the purpose of total loss and fixing the IDV, below is how the depreciation in IDV is scheduled.-

Age of Vehicle % of Depreciation for Fixing IDV
Not exceeding 6 months 5%
Exceeding 6 months but not exceeding 1 year 15%
Exceeding 1 months but not exceeding 2 year 20%
Exceeding 2 months but not exceeding 3 year 30%
Exceeding 3 months but not exceeding 4 year 40%
Exceeding 4 months but not exceeding 5 year 50%

Similarly, the body parts of the car are subject to depreciation too. You can check that schedule in the policy document at leisure.
As Indians, we are very used to that something extra. Even the vegetable shopping entails some extra coriander and chillies in your bag. Feels good, doesn'tdoesn’t it? We understand. Hence, allow us to introduce our own motor insurance add-ons to you!
Here are the Motor Insurance add-ons you will benefit from:

Depreciation Reimbursement (IRDAN108RP0002V01200001/A0001V01200910)

Because who likes depreciation, after all.
As long as the damaged vehicle is being repaired at an authorized garage/workshop, under this cover we shall pay back the deducted depreciation value on the rReplaced parts under our ownunder own damage claim. Only the first two claims can avail this benefit.

Daily Allowance (IRDAN108RP0002V01200001/A0051V01201819)

If your vehicle is damaged by any of the above said cause mentioned under section - lLoss of or dDamage to the vVehicle Insured, we shall pay you a daily allowance to cover for your expense of other hired modes of transport. This will be payable for maximum 10 days during the periodduring period of iInsurance and for maximum 15 days in case of theft/total loss claim.
If the vehicle is not repaired at an authorized garage or claims of only glass damage or if your claim itself is not admissible or repair of your motor vehicle is up to 3 days, then we shall revoke the allowance.

Courtesy/Hire Car (IRDAN108RP0002V01200001/A0057V01201819)

Company will pay for a courtesyfor courtesy/hire car for a maximum period of 10 days in case of repair claim and 15 days in case of theft/total loss claim.
Such service will be made available within 24 hours of your vehicle reaching the garage or the time of intimation of claim to us.
Courtesy/hHire car will be provided for 8 hrs or 80 kKm per day whichever is less.

Return to Invoice (IRDAN108RP0002V01200001/A0052V01201819)

We will pay the financial shortfall between the amount yYou receive under section 1 of the policy and the purchase price of the vVehicle as confirmed in the invoice of sale OR current replacement price of new vehicle in case exactly same make/model is available, whichever is less, in the event of yYour vVehicle being a tTotal lLoss/CTL following an accident or stolen during the pPeriod of insurance and not recovered.

No Claim Bonus Protection Cover (IRDAN108RP0002V01200001/A0053V01201819)

In case of not more than one claim from the customer in the current motor insurance period, at the time of policy renewal, we will offer you the same expiring no claim bonus. Protection is available for 25% or more NCB slab.

Repair of Glass, Fibre, Plastic & Rubber Parts (IRDAN108RP0002V01200001/A0005V01200910)

claim for only gGlass/plastic/rubber/fiber part where yYou opt for repairs rather than replacement, at our authorised workshops/authorised dealers/authorised service stations will not affect yYour nNo cClaim bBonus eligibility at the time renewal with uUs, provided number of such claim does not exceed one and there is no other claim for damage to the vehicle during the period of insurance.

Loss of Personal Belongings (IRDAN108RP0002V01200001/A0054V01201819)

This shall cover items such as clothes and other items that are more likely to be worn, used or carried and includes audio/video tapes, CDs. It does not include money jewellery, bank related items like debit cards, cheques etc. A more detailed list is available in the policy document. Also, please support this claim with a police report and also the vehicle itself should be under claim for the same reasons.
The insured will bear first Rs. 250 of each and every claim under this section.

Emergency Transport & Hotel Expenses (IRDAN108RP0002V01200001/A0055V01201819)

If the vehicle suffers an unexpected breakdownbreak down or damage, we will pay towards the taxi-cost and the overnight stay for returningretuning back to your place of residence or the nearest city you are travelling to Maximum payable for 1 accident during the period of insurance.


Key Replacement (IRDAN108RP0002V01200001/A0056V01201819)

Because it'sits magic how some people don’t lose them.
In case of break-in protection, the costcost of replacing locks will also be covered. This will include the labour cost for replacing the locks.


Engine Secure (IRDAN108RP0002V01200001/A0058V01201819)

We shall pay you for repair and replacement expenses for the loss or damage of internal parts of the engine, gearbox, transmission and dDifferential assembly. We will also pay for the lubricating oil and consumables used in assembly but can’t pay cover for your fuel obviously.


Tyre Secure (IRDAN108RP0002V01200001/A0059V01201819)

We can cover the replacement of maximum 4 tyres during the policy period in case of accidental damage. Also, if you get a tyre of superior make, please be ready to pay the difference.


Consumable Expenses (IRDAN108RP0002V01200001/A0085V01201819)

We will cover the cost of consumables required to be replaced/replenished arising from an accident to the insured vehicle. Consumables shall include engine oil, gearboxgear box oil, lubricants, nut & bolt, screw, distilled water, grease, oil filter, bearing, washers, clip, break oil, air conditioner gas and items of similar nature excluding fuel. Make sure the vehicle is repaired at Tata AIG authorized garage


RoadsideRoad Side Assistance Add-on cover under Auto Secure –Private Car Package Policy (IRDAN108RP0002V01200001/A0022V01201213)

Flat tyre assistance, towing services, bBattery jJumpstart service, spare key retrieval, fuel support, etc. are some of the services provided under this. However, the services will be offered on a best effort basis. Also, the vehicle must not be used for racing, rallying etc.

The Company shall not be liable under this policy in respect of
  • Any accidental loss or damage and/or liability caused sustained or incurred outside the gGeographical Area.
  • Any claim arising out of any contractual liability.
  • Any accidental loss or damage and/or liability caused sustained or incurred whilst the vehicle insured herein is
    (a) being used otherwise than in accordance with the ‘Llimitations as to uUse’ or
    (b) being driven by or is for the purpose of being driven by him/her in the charge of any person other than a dDriver as stated in the dDriver’s cClause.
  • (a) any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss.
    (b) 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;
  • Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material.;
  • Any accidental loss or damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences and in the event of any claim hereunder the insured shall prove that the accidental loss or damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the cCompany shall not be liable to make any payment in respect of such a claim.
  • Policy Wording
  • Auto Secure - Private Car Package Policy

Note: For detailed product benefits, terms and conditions, please visit www.tataaig.com and refer Policy Wordings from the link below: You are about to go on safer drives. How, you ask? Tata AIGՉ۪s insurance policy will be your life-long airbag thatand protects you from any kind of adversity you and your car may face. Allow us to secure your tomorrow.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please refer to the salesrefer sales brochure/policy wordings carefully, before concluding a sale. The benefits and features of the product and services are purely indicative in nature. The purchase of a Tata AIG General Insurance Company Limited product by Bank of Baroda customers is purely on a voluntary basis. For clarifications, customers can call on 1800 266 7780 or write to customersupport@tataaig.com. This information is given by Bank of Baroda whose registered office is Bank of Baroda, Baroda House, Mandvi, Vadodara – 390006. Bank of Baroda is a Licensed Corporate Agent (License no. CA0004 CIN: U99999MH1911PLC007676) of Tata AIG General Insurance Company Limited (IRDA of India Registration no.108 CIN: U85110MH2000PLC128425). The insurance products are underwritten by Tata AIG General Insurance Company Limited. #Add on covers can only be purchased with the base product and on payment of an additional premium.

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