Tata AIG Car Insurance Add-ons 2026: Which Ones to Buy for Maximum Benefits?

Hey friends! If you're buying or renewing your Tata AIG car insurance this year, don't just go for the basic policy. Add the right add-ons and you can save lakhs during claims. Below is a simple and practical guide based on real user experiences.

Why Add-ons Matter in Tata AIG Car Insurance?

A basic comprehensive policy covers limited expenses. Add-ons help you get almost 100% claim settlement with minimum out-of-pocket cost.

1. Zero Depreciation Add-on

This is the most important add-on. With Zero Dep, Tata AIG does not deduct depreciation on parts. You can make up to two claims in a year and get around 90% reimbursement.

2. Consumables Cover

Consumables like engine oil, nuts, bolts, coolant, etc. are normally excluded. This add-on increases claim coverage up to 95%, with only a small file charge.

3. Engine & Gearbox Protection

Essential for petrol, diesel, and CNG cars. It covers engine or gearbox damage due to water ingress or oil leakage. EV owners don’t need this.

4. Tyre Protection Cover

Covers tyre burst, rod cut, or sudden damage even without an accident. Very useful for highway and long-distance driving.

5. Return to Invoice (RTI)

In case of theft or total loss, Tata AIG pays the full invoice value including road tax and registration, not just IDV.

6. Key Replacement Cover

If car keys are lost or locks are damaged, replacement cost is fully covered.

7. No Claim Bonus (NCB) Protection

Your first claim will not affect your accumulated NCB. Ideal for safe drivers.

8. Roadside Assistance

24×7 support including towing up to 50 km, fuel delivery, battery jump-start, and puncture help.

9. Glass, Plastic & Rubber Parts Cover

Usually bundled with Zero Dep. Small repairs won’t affect your NCB.

Pro Tip

Zero Dep + Consumables + Glass Cover is the best combination in Tata AIG. You get near 100% claim settlement with no salvage deduction.

10. Daily Allowance Add-on

Get ₹1000–₹2000 per day if your car is under repair. Helpful for daily commuters.

Extra Add-ons Worth Considering

• Loss of Personal Belongings
• Misfuelling Cover
• Emergency Medical Expenses
• Electric Surge Secure (for EVs)
• Vehicle Loan Protector
• Personal Accident Cover (₹15 Lakh)

Final Verdict

For maximum protection in 2026, choose: Zero Dep + Consumables + Engine/Gearbox (or EV Surge) + Roadside Assistance + RTI + NCB Protection. Tata AIG is popular because it has minimal deductions during claims.

Disclaimer: Information is based on general understanding and may change. Always read official Tata AIG policy wording before purchase.