Tata AIG Third-party Two-Wheeler Insurance

If you wish to purchase third-party bike insurance by Tata AIG, then you must have a thorough understanding of what is covered and what is not covered. Let’s first discuss the inclusions of the Tata AIG Third-Party two-wheeler insurance.

Inclusion:

• Damages due to the injuries to or death of a third-party person

A third-party bike insurance by Tata AIG will cover the ensuing responsibilities if an accident caused by your bike results in harm to any third parties. This includes any costs incurred as a result of the third party’s hospitalisation. Additionally, it also covers the ensuing legal and financial obligations if a third party dies as a result of those injuries.

• Damages caused to a third-party property

Tata AIG third-party two-wheeler insurance will pay for any property damage done to a third party as a result of an accident that was caused by your bike. This includes any harm done to the third party’s pertinent vehicle.

• A Personal Accident Cover for the owner or rider

Under a third-party bike insurance by Tata AIG, you receive both a Personal Accident Cover and third-party coverage. This pays for any medical costs and/or hospitalisation costs incurred as a result of an accident-related injury. Your nominees are eligible to receive this sum in the event of your death as a result of the aforementioned injuries.

Exclusions:

Whilst third-party bike insurance by Tata AIG protects you against the financial ramifications of any third-party damages or injuries, it does not protect you against several other damages, which have been discussed below.

• Own damages to your vehicle: A third-party two-wheeler insurance from Tata AIG coverage does not cover the damages to your vehicle.

• Driving without a valid Driver’s License: It does not cover incidents that occur while you are operating your two-wheeler without a Valid Driving Licence.

• Driving under the influence of alcohol or drugs: If you ride while intoxicated or under the influence of any drugs, any accidents involving your bike that may occur are not covered by a third-party bike insurance by Tata AIG.

• Driving outside the geographical limits mentioned: Any accidents involving your two-wheeler that take place outside the specified geographic boundaries of your third-party insurance may or may not be covered by third-party bike insurance by Tata AIG.

• Contractual Liability: It does not cover any accidents or ensuing liabilities involving a vehicle that has been contracted out or pledged.

• Unauthorised usage of the vehicle: It does not cover accidents resulting from the use of a private bike for business or speed competition.

• Vehicles driven by a non-designated driver: It does not cover accidents brought on by vehicles whose owner or designated rider is not present.

• Substantial or Total Loss to your vehicle: The whole or significant damage to a third-party vehicle resulting from an accident involving the insured vehicle is not covered by Tata AIG third-party two-wheeler insurance. Consequently, it does not cover the theft or total loss of a third-party vehicle.
• War: A third-party bike insurance by Tata AIG does not provide coverage for any third-party damages resulting from a war or a scenario that resembles one.

• Nuclear Disaster: The expenses that occur from a nuclear disaster are not covered if a third-party vehicle is damaged or a third-party person is hurt.