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Tata AIG General Insurance Policy Wordings

IRDAI's non-life product register lists 21 Tata AIG products and 81 add-ons, approved 2016 to 2021. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Liability · Cyber · Motor · Crop and rural · Specialty: title, warranty, drones and more

Fire and property (2)

ProductUINApprovedPolicy wording
Home Secure (Householders) PolicyIRDAN108RP0002V0410000110 Apr 2021Wording
Tata AIG Bharat Griha Raksha Policy-Micro Insurance ProductIRDAN108MP0001V0120212231 Aug 2021Wording

Shop, office, home and business packages (3)

ProductUINApprovedPolicy wording
Business Guard - Commercial PolicyIRDAN108RP0001V022002033 Dec 2021Wording
Business Guard -Commercial Policy Package(Small Business Solutions)IRDAN108RP0001V0210000113 Apr 2021Wording
Private Client Group Home Secure PolicyIRDAN108RP0009V0320121310 Apr 2021Wording

Liability (2)

ProductUINApprovedPolicy wording
Clinical Trials Liability InsuranceIRDAN108CP0002V0120192014 Jul 2019Wording
Comprehensive Product Liability & Recall InsuranceIRDAN108CP0001V0120192024 May 2019Wording

Cyber (1)

ProductUINApprovedPolicy wording
CyberShieldIRDAN108RP0001V0120212223 Apr 2021Wording

Motor (8)

ProductUINApprovedPolicy wording
Auto Secure - Commercial Vehicle Package Policy - Goods Carrying VehicleIRDAN108RP0050V0220181929 Nov 2021Wording
Auto Secure - Commercial Vehicle Package Policy - Passenger Carrying VehicleIRDAN108RP0077V0220181929 Nov 2021Wording
Auto Secure - Standalone Own Damage Private Car Policy
15 add-ons
  • Consumable Expenses - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0014V01201920 · 28 Jun 2019 Wording
  • Courtesy/Hire Car- Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0011V01201920 · 28 Jun 2019 Wording
  • Daily Allowance - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0004V01201920 · 28 Jun 2019 Wording
  • Daily Allowance Plus - SAOD Private Car Policy IRDAN108RP0001V01201920/A0013V01202122 · 3 Aug 2021 Wording
  • Depreciation Reimbursement - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0003V01201920 · 28 Jun 2019 Wording
  • Emergency Transport & Hotel Expenses - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0009V01201920 · 28 Jun 2019 Wording
  • Engine Secure- Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0012V01201920 · 28 Jun 2019 Wording
  • Key Replacement - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0010V01201920 · 28 Jun 2019 Wording
  • Loss of personal belongings- Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0008V01201920 · 28 Jun 2019 Wording
  • No Claim Bonus Protection Cover - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0006V01201920 · 28 Jun 2019 Wording
  • Repair of Glass, Fibre, Plastic & Rubber Parts - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0007V01201920 · 28 Jun 2019 Wording
  • Return to Invoice - SAOD Private Car Policy IRDAN108RP0001V01201920/A0005V02201920 · 13 May 2021 Wording
  • Return to Invoice - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0005V01201920 · 28 Jun 2019 Wording
  • Road Side Assistance- Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0015V01201920 · 28 Jun 2019 Wording
  • Tyre Secure - Standalone Own Damage Private Car Policy IRDAN108RP0001V01201920/A0013V01201920 · 28 Jun 2019 Wording
IRDAN108RP0001V0120192028 Jun 2019Wording
Auto Secure - Standalone Own Damage Two Wheeler Policy
5 add-ons
  • Consumable Expenses - Standalone Own Damage Two Wheeler Policy IRDAN108RP0002V01201920/A0019V01201920 · 28 Jun 2019 Wording
  • Depreciation Allowance - Standalone Own Damage Two Wheeler Policy IRDAN108RP0002V01201920/A0017V01201920 · 28 Jun 2019 Wording
  • Emergency Medical Expenses - Standalone Own Damage Two Wheeler Policy IRDAN108RP0002V01201920/A0020V01201920 · 28 Jun 2019 Wording
  • Return to Invoice - Standalone Own Damage Two Wheeler Policy IRDAN108RP0002V01201920/A0016V01201920 · 28 Jun 2019 Wording
  • Road Side Assistance - Standalone Own Damage Two Wheeler Policy IRDAN108RP0002V01201920/A0023V01201920 · 28 Jun 2019 Wording
IRDAN108RP0002V0120192028 Jun 2019Wording
Auto Secure Commercial Vehicle Package Policy)Goods Carrying Vehicle (Revision)IRDAN108P0003V0220000130 Jun 2017Wording
Auto Secure Commercial Vehicle Package Policy- Passenger Carrying Vehicle (Revision)IRDAN108P0004V0220000130 Jun 2017Wording
Auto Secure Compulsory Personal Accident (Owner-Driver) -Motor Insurance PoliciesIRDAN108RP0073V012019201 Feb 2019Wording
Two Wheeler Extended Warranty Insurance PolicyIRDAN108P0003V012017186 Mar 2018Wording

Crop and rural (3)

ProductUINApprovedPolicy wording
Pradhan Mantri Fasal Bima YojanaIRDAN108P0001V0120161721 Oct 2016Wording
Rural Package PolicyIRDAN108RP0012V0210000116 Jun 2021Wording
Rural Package Policy - Retail - Micro Insurance ProductIRDAN108MP0002V0120212229 Nov 2021Wording

Specialty: title, warranty, drones and more (2)

ProductUINApprovedPolicy wording
Remotely Piloted Aircraft System (RPAS) InsuranceIRDAN108RP0002V012021224 Jun 2021Wording
Smart Care – Extended Warranty InsuranceIRDAN108P0004V0120171828 Mar 2018Wording

Add-ons filed on their own (61)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-onUINApprovedPolicy wording
Additional Personal Accident Cover to Employee of the Insured, Driver and Unnamed PassengersIRDAN108RP0003V02200001/A0053V012019207 Sep 2018Wording
Additional Personal Accident Cover to Employee of the Insured, Driver and Unnamed PassengersIRDAN108RP0005V01200001/A0038V012019208 Sep 2018Wording
Additional Personal Accident Cover to Employee of the Insured, Driver and Unnamed PassengersIRDAN108RP0004V02200001/A0068V012019208 Sep 2018Wording
Additional Personal Accident Cover to Owner DriverIRDAN108RP0003V02200001/A0052V012019207 Sep 2018Wording
Additional Personal Accident Cover to Owner DriverIRDAN108RP0005V01200001/A0037V012019208 Sep 2018Wording
Additional Personal Accident Cover to Owner DriverIRDAN108RP0004V02200001/A0067V012019208 Sep 2018Wording
Additional Personal Accident Cover to Unnamed PassengerIRDAN108RP0007V01201516/A0027V0120192019 Jul 2019Wording
Additional Third Party Property DamageIRDAN108RP0007V01201516/A0026V0120192019 Jul 2019Wording
Additional Towing ChargesIRDAN108RP0003V02200001/A0054V012019207 Sep 2018Wording
Additional Towing ChargesIRDAN108RP0005V01200001/A0039V012019208 Sep 2018Wording
Additional Towing ChargesIRDAN108RP0004V02200001/A0069V012019208 Sep 2018Wording
Additional TPPD Cover - Auto Secure - Commercial VehiclePackage Policy - Goods CarryingVehicleIRDAN108RP0003V02200001/A0043V012019207 Sep 2018Wording
Additional TPPD Cover - Auto Secure - Commercial VehiclePackage Policy - Miscellaneous &Special Type of VehiclesIRDAN108RP0005V01200001/A0028V012019208 Sep 2018Wording
Additional TPPD Cover - Auto Secure - Commercial VehiclePackage Policy - Passenger CarryingVehicleIRDAN108RP0004V02200001/A0058V012019208 Sep 2018Wording
Auto Secure- Two Wheeler Package Policy- Add On Cover- Road Side AssistanceIRDAN108A0001V012017184 May 2017Wording
Consumable ExpensesIRDAN108RP0003V02200001/A0045V012019207 Sep 2018Wording
Consumable ExpensesIRDAN108RP0005V01200001/A0030V012019208 Sep 2018Wording
Consumable ExpensesIRDAN108RP0004V02200001/A0060V012019208 Sep 2018Wording
Consumable Expenses - Long Term Two Wheeler PackagePolicyIRDAN108RP0007V01201516/A0024V0120192019 Jul 2019Wording
Emergency Medical ExpensesIRDAN108RP0003V02200001/A0047V012019207 Sep 2018Wording
Emergency Medical ExpensesIRDAN108RP0005V01200001/A0032V012019208 Sep 2018Wording
Emergency Medical ExpensesIRDAN108RP0004V02200001/A0062V012019208 Sep 2018Wording
Emergency Medical ExpensesIRDAN108RP0007V01201516/A0025V0120192019 Jul 2019Wording
Emergency Transport and Hotel ExpensesIRDAN108RP0003V02200001/A0051V012019207 Sep 2018Wording
Emergency Transport and Hotel ExpensesIRDAN108RP0005V01200001/A0036V012019208 Sep 2018Wording
Emergency Transport and Hotel ExpensesIRDAN108RP0004V02200001/A0066V012019208 Sep 2018Wording
Engine SecureIRDAN108RP0005V01200001/A0029V012019207 Sep 2018Wording
Engine SecureIRDAN108RP0003V02200001/A0044V012019207 Sep 2018Wording
Engine SecureIRDAN108RP0004V02200001/A0059V012019208 Sep 2018Wording
Key ReplacementIRDAN108RP0003V02200001/A0050V012019207 Sep 2018Wording
Key ReplacementIRDAN108RP0005V01200001/A0035V012019208 Sep 2018Wording
Key ReplacementIRDAN108RP0004V02200001/A0065V012019208 Sep 2018Wording
Long Term Two wheeler package policy Add on cover – Road Side AssistanceIRDAN108A0002V012017187 Jul 2017Wording
Loss of Personal BelongingsIRDAN108RP0003V02200001/A0049V012019207 Sep 2018Wording
Loss of Personal BelongingsIRDAN108RP0005V01200001/A0034V012019208 Sep 2018Wording
Loss of Personal BelongingsIRDAN108RP0004V02200001/A0064V012019208 Sep 2018Wording
No Claim Bonus Protection CoverIRDAN108RP0003V02200001/A0046V012019207 Sep 2018Wording
No Claim Bonus Protection CoverIRDAN108RP0005V01200001/A0031V012019208 Sep 2018Wording
No Claim Bonus Protection CoverIRDAN108RP0004V02200001/A0061V012019208 Sep 2018Wording
Return To InvoiceIRDAN108RP0003V02200001/A0048V012019207 Sep 2018Wording
Return To InvoiceIRDAN108RP0005V01200001/A0033V012019208 Sep 2018Wording
Return To InvoiceIRDAN108RP0004V02200001/A0063V012019208 Sep 2018Wording
Return to Invoice - Private Car BundledIRDAN108RP0006V02201819/A0031V0220181920 Apr 2021Wording
Return to Invoice-Auto Secure - Private Car Package PolicyIRDAN108RP0002V01200001/A0052V0220181920 Apr 2021Wording
Rim GuardIRDAN108RP0003V02200001/A0056V012019207 Sep 2018Wording
Rim GuardIRDAN108RP0005V01200001/A0041V012019208 Sep 2018Wording
Rim GuardIRDAN108RP0004V02200001/A0071V012019208 Sep 2018Wording
Road Side AssistanceIRDAN108RP0003V02200001/A0057V012019207 Sep 2018Wording
Road Side AssistanceIRDAN108RP0005V01200001/A0042V012019208 Sep 2018Wording
Road Side AssistanceIRDAN108RP0004V02200001/A0072V012019208 Sep 2018Wording
Tata AIG Bharat Laghu Udyam Suraksha - Accidental Damage CoverIRDAN108RP0021V01202021/A0003V012021224 Jun 2021Wording
Tata AIG Bharat Laghu Udyam Suraksha - Contract WorksIRDAN108RP0021V01202021/A0007V012021224 Jun 2021Wording
Tata AIG Bharat Laghu Udyam Suraksha - Involuntary BettermentIRDAN108RP0021V01202021/A0004V012021224 Jun 2021Wording
Tata AIG Bharat Laghu Udyam Suraksha - Protection & Preservation of PropertyIRDAN108RP0021V01202021/A0006V012021224 Jun 2021Wording
Tata AIG Bharat Laghu Udyam Suraksha - Rent InsuranceIRDAN108RP0021V01202021/A0005V012021224 Jun 2021Wording
Tata AIG Bharat Sookshma Udyam Suraksha - Accidental Damage CoverIRDAN108RP0020V01202021/A0008V012021224 Jun 2021Wording
Tata AIG Bharat Sookshma Udyam Suraksha - Contract WorksIRDAN108RP0020V01202021/A0012V012021224 Jun 2021Wording
Tata AIG Bharat Sookshma Udyam Suraksha - Involuntary BettermentIRDAN108RP0020V01202021/A0009V012021224 Jun 2021Wording
Tata AIG Bharat Sookshma Udyam Suraksha - Protection & Preservation of PropertyIRDAN108RP0020V01202021/A0011V012021224 Jun 2021Wording
Tata AIG Bharat Sookshma Udyam Suraksha - Rent InsuranceIRDAN108RP0020V01202021/A0010V012021224 Jun 2021Wording
Tyre SecureIRDAN108RP0004V02200001/A0070V012019208 Sep 2018Wording

Names in the register

IRDAI registration number 108. Filed as: Tata AIG General Insurance Co. Ltd.. Its claim settlement, solvency and market share figures: Tata AIG profile.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Tata AIG policy wordings?

Above: every Tata AIG product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Tata AIG general insurance products are in IRDAI's register?

21 products and 81 add-ons, approved 2016 to 2021.

Which lines of cover does Tata AIG file most?

By number of products in the register: motor 8, shop, office, home and business packages 3, crop and rural 3, fire and property 2.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.