Planning to port your existing bike insurance policy? You should make the most of your coverage by taking advantage of the range of add-ons Tata AIG currently offers. The selection of suitable enhancements is crucial when switching coverage, as they determine your protection level during road usage.
The following guide demonstrates the various add-ons available during third-party bike insurance or comprehensive policy porting to Tata AIG. These add-ons create two layers of financial defence while supplying protection for everyday practical needs that standard plans often overlook.
Why Consider Add-ons When Porting Your Policy?
When you port to Tata AIG, your base policy comes with a solid foundation of benefits. But add-ons give you the power to personalise your policy for more specific risks—like depreciation costs, emergencies on the road, and unexpected medical expenses.
Think of it this way: your basic policy is the bike, and add-ons are the accessories that make it brighter, safer, and more reliable.
1. Zero Depreciation Cover (Depreciation Allowance)
One of the most popular add-ons, the Zero Depreciation cover, ensures that no depreciation is deducted on replaced parts during a claim. Typically, insurers deduct a certain percentage due to wear and tear, up to 50% for rubber parts or old bikes. But with this add-on, Tata AIG reimburses the full cost of repairs or part replacement.
Real-life scenario: If your 3-year-old bike meets with an accident and the fibre components need replacement, you’d typically pay 30% of the costs yourself. With this add-on, you won’t have to!
Coverage applies to the first two claims per year, and depreciation is waived. (subject to specific policy terms).
2. Return-to-Invoice Cover
This powerful add-on bridges the gap between your bike’s current market value (IDV) and the original invoice amount. In case of total loss or theft, Tata AIG will pay the invoice value of the bike, including registration and road tax.
Real-life scenario: Imagine your 6-month-old bike gets stolen. Instead of receiving only 95% of its IDV due to standard depreciation, the return-to-invoice cover provides the full on-road price back.
Applicable only in the event of total loss, constructive total loss, or theft, this cover pays the invoice value or the cost of a new model (if available), whichever is lower.
3. Emergency Medical Expenses Cover
If an accident causes injuries to you or your pillion rider, this add-on ensures medical expenses and ambulance charges are covered. This makes it especially valuable if your daily rides involve high-traffic zones or long distances.
Real-life scenario: You and a friend meet with a skid on a rainy road. Both require minor hospital treatment and transport. This add-on reimburses those emergency costs.
Covers hospitalisation and ambulance fees related to a valid accident. (subject to specific plan terms).
4. Roadside Assistance (RSA)
The Roadside Assistance add-on comes in handy if your bike breaks down during your journey. Tata AIG offers services including towing, battery jump-starts, fuel delivery, and minor repairs.
Real-life scenario: Your flat tire leaves you stranded along a highway since there is no local auto repair service nearby. Contacting Tata AIG will activate assistance to arrive at your current position.
The supplementary service assists with mechanical system breakdowns and runs out of fuel.
5. Consumables Cover
This add-on reimburses the cost of consumable items—like engine oil, grease, nuts, bolts, screws, and coolant—that typically aren’t covered under standard policies. Note: fuel is excluded.
Real-life scenario: After an accident, your bike needs oil and brake fluid replacements. Typically, you’d pay these costs out of pocket, but not with this add-on.
Expenses for damaged consumables are reimbursed, provided they are not related to fuel and are part of a valid claim.
6. Additional Personal Accident Cover for Owner-Driver
Operating drivers must carry a minimum of Rs. 15 lakh in personal accident coverage, yet they can opt for extended protection for their family in the event of fatal accidents or permanent disabilities.
Real-life scenario: Owner-drivers can select an additional personal accident cover, which provides their family with enhanced financial benefits when combined with standard payout amounts in the event of a fatal accident.
The amount of additional payment depends on how the injury has affected the person, with missing limbs, loss of vision, or death.
7. Additional Third-Party Property Damage Cover
While your base third party bike insurance policy covers third-party injury and property damage, this add-on gives you extended financial coverage for third-party property claims.
Real-life scenario: If your bike crashes into someone’s parked car and the damage exceeds the regular liability limit, this add-on steps in to increase your coverage.
Expands liability coverage beyond the standard limit.
How to Port Your Bike Insurance to Tata AIG and Add These Covers?
Porting your policy is simple and can be done online in just a few steps:
- Visit Tata AIG’s bike insurance page.
- Enter your existing policy details and vehicle registration number.
- Choose between bike insurance types: standalone, third-party, or comprehensive.
- Select the add-ons you want to include.
- Get an instant premium quote and make the payment.
Your Tata AIG policy, along with the chosen add-ons, will be delivered instantly to your inbox.
Things to Keep in Mind While Adding Riders
- Add-ons come at an extra premium. Choose only what suits your usage.
- Some covers, like Zero Depreciation, are limited to the first two claims in a year.
- Always read the terms and conditions before opting in. All add-ons must align with valid claims under Section I or II, as applicable.
- Ensure your vehicle details, policy number, and claim history are accurately updated during porting.
Porting to Tata AIG’s bike insurance not only gets you hassle-free claims and wide network coverage, but also the flexibility to add smart protection layers. From roadside support to invoice protection, these add-ons provide complete peace of mind, so your rides stay smooth even when life throws a bump in the road.
Take charge of your coverage. When you port, personalise your plan with the right mix of add-ons that truly reflect how you use your bike. Because sometimes, the little extras make the biggest difference.
Standard T&C apply
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales
Claims are subject to terms and conditions set forth under the motor insurance policy.
