Tata General Insurance Company Limited. Bank of Baroda distributes the product as an insurance corporate-agent channel
the insurance contract is with Tata .
Compulsory owner-driver personal accident cover has a maximum capital sum insured of ₹15 lakh. Compensation is 100% for death, loss of two limbs or sight of two eyes or one limb and sight of one eye, 50% for loss of one limb or sight of one eye, and 100% for other permanent total disablement.
Value awaiting review
The exact insurance period is the period stated in the policy schedule. One policy year is 12 consecutive months
renewal terms, benefits and premium rates may change with the insurer's consent. Add-on coverage applies only for the period and limits shown in the schedule.
Purchase premium is quote- and schedule-specific. If the insured cancels without a claim, the policy uses the published short-period retention grid and retains at least ₹100, or ₹25 for specially designed/modified vehicles for blind, handicapped or mentally challenged persons. The grid retains 20% for up to one month, 30%up to two months, 40%up to three months, 50%up to four months, 60%up to five months, 70%up to six months, 80%up to seven months, 90%up to eight months and the full annual rate after eight months.
Value awaiting review
The Tata package covers accidental, fire, theft, riot/strike, natural-calamity, terrorist/malicious-act, landslide/rockslide and transit loss or damage to the insured vehicle, plus third-party bodily-injury/death liability and up to ₹7.50 lakh third-party property-damage compensation.
Base exclusions include loss outside the geographical area, contractual liability, unauthorised use or driver, consequential loss, nuclear risks and war/hostilities. The wording also excludes wear and tear, mechanical/electrical breakdown, certain tyre-only losses, intoxication-related incidents, invalid or unauthorised repairs and add-on-specific losses. Optional covers have additional conditions such as valid own-damage claims, authorised garages, police reports, schedule limits and manufacturer-warranty exclusions.
Tata General Insurance Company Limited. Bank of Baroda distributes the policy as an insurance corporate-agent channel
the insurance contract is between Tata and the insured.
The Insured's Declared Value () is the vehicle's own-damage sum insured and is fixed at the start of each period of insurance or policy year. Standard owner-driver personal-accident cover is capped at ₹15,00,000 per period of insurance
third-party property, bodily-injury and death liability follows the policy schedule and applicable law. A vehicle is treated as constructive total loss when retrieval and/or repair cost exceeds 75% of .
Value awaiting review
The period of insurance is the period stated in the policy schedule. A policy year is 12 consecutive months
a schedule may cover more than one policy year, and the issued schedule controls the actual duration and premium.
Value awaiting review
Value awaiting review
The policy offers mandatory liability-only cover for third-party property damage, bodily injury and death, plus owner-driver personal accident cover, and a comprehensive package covering own damage, third-party liability and owner-driver accidental death or permanent/temporary disablement.
Base exclusions include losses outside the geographical area, contractual liability, use outside the policy limitations or by an unauthorised driver, consequential loss, nuclear contamination or weapons, war and hostilities, wear and tear, mechanical or electrical breakdown, specified tyre/tube losses, accessory theft unless the vehicle is stolen with it, intoxicated driving and depreciation unless an applicable add-on responds. Add-ons have further conditions: Return to Invoice requires a valid total-loss/theft claim, final investigation report and a non-imported vehicle
consumables require an admissible own-damage claim and authorised garage
medical expenses exclude pre-existing or unrelated sickness, physiotherapy, psychosomatic disorders, unsupported bills and treatment started after 5 days
roadside assistance excludes maintenance and listed force-majeure or unsafe situations
Engine Secure and Tyre/Rim Secure contain warranty, maintenance, neglect, tread and misuse exclusions.
Cholamandalam MS General Insurance Company Limited
Compulsory personal-accident cover compensates up to ₹15 lakh for accidental death or disability of the registered owner-driver while driving or getting into or out of the insured vehicle, provided the owner holds an effective driving licence.
Value awaiting review
Motor insurance policies are annual policies renewed after twelve months
with approval of the competent authority, the policy period may be longer or shorter than twelve months.
Value awaiting review
Value awaiting review
The lists comprehensive own-damage and third-party policies, add-ons for an additional premium with unlimited claims, online photo-based insurance for uninsured vehicles, nationwide roadside assistance, customisable cover and live video vehicle surveys.
For third-party cover, claims are subject to the accident not being deliberate and the driver not being under the influence of alcohol or drugs. Own-damage and add-on exclusions remain subject to the selected policy wording and schedule.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
Value awaiting review
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
For own-damage and total-loss claims, the vehicle's Insured's Declared Value () is the sum insured. Third-party bodily injury/death liability is the amount required by the Motor Vehicles Act
third-party property damage is ₹1,00,000 for scooters/motorcycles (the schedule also allows ₹6,000 where applicable). Owner-driver personal-accident cover is up to ₹1,00,000 for one policy period.
Value awaiting review
Available options include annual package, annual liability-only, 2/3-year package, 2/3-year liability-only, five-year liability-only and five-year package policies for new vehicles, plus bundled one-year own-damage with five-year liability for new vehicles purchased on or after 1 September 2018.
Value awaiting review
Value awaiting review
Liability-only cover provides unlimited third-party death/injury liability and third-party property damage up to ₹1 lakh for scooters/motorcycles. Package cover additionally protects the insured vehicle and accessories against fire, explosion, self-ignition, lightning, burglary, housebreaking and theft.
Exclusions include consequential loss, depreciation, wear and tear, mechanical/electrical breakdown, tyre/tube damage unless the vehicle is damaged at the same time (then liability is limited to 50% of replacement cost), accessory theft without simultaneous vehicle theft, driving under the influence, use outside the geographical area or stated limitations, contractual liability, nuclear risks and war-related events.
Bank of India distributes the policy and does not underwrite the risk.
Own-damage sum insured is the vehicle’s insured declared value () shown in the policy schedule
no universal or owner-driver capital-sum amount is published on the reviewed BOI summary.
No customer-age entry rule is published
eligibility is tied to the insured two-wheeler, owner/driver, registration and policy schedule.
The period of insurance is the period stated in the issued policy schedule
no universal duration is published on the reviewed BOI page.
Premium is quotation-specific and depends on vehicle details, , location, compulsory/higher deductibles and selected add-ons
no universal premium amount is published on the reviewed BOI page.
Value awaiting review
Third-party bodily injury and property damage, legal liabilities, compulsory owner-driver personal accident, accidental damage, theft, natural disasters, man-made calamities, fire and explosion, and transit damage by road, rail, air or inland waterways.
The complete exclusions schedule is not reproduced on the BOI summary
consult the linked policy wording and prospectus for use restrictions, deductibles, wear/breakdown and other exclusions.
Bank of India distributes the policy and does not underwrite the risk.
The insured vehicle value and own-damage limit are set in the vehicle-specific policy schedule
no universal amount is published on the BOI summary page.
Eligibility is tied to an insurable private car and its registration/vehicle details
no separate customer age threshold is published on the reviewed page.
Value awaiting review
Premium is vehicle-, cover-, add-on- and schedule-specific
no universal amount is published on the reviewed BOI page.
Value awaiting review
Third-party liability is mandatory. Own-damage cover applies to loss or damage to the insured vehicle caused by accidental external means. Nil-depreciation and other add-on covers are available to provide near-full claim settlement, subject to the selected schedule.
Generali Central Insurance Co Ltd, The New India Assurance Co Ltd and Bajaj General Insurance Limited.
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Value awaiting review
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Property, motor, health (group and individual), personal, fire, burglary, engineering, package, travel, pet and cattle insurance are listed across Generali Central, New India Assurance and Bajaj General partners.
Universal Sompo General Insurance, United India Insurance (UIIC) and Cholamandalam MS General Insurance (Chola MS).
Vehicle insured-declared value and liability limits are quote- and policy-dependent
no numeric sum insured is printed on the platform page.
Not applicable as a person-age rule
the platform is for private two-wheelers and four-wheelers and underwriting is quote-dependent.
The platform page supports fresh registration, rollover and renewal journeys but does not publish a fixed policy-term number.
Live benefits illustrations and quote comparison are available from the channel partners
no premium amount is published on the platform page.
Value awaiting review
Own-damage cover includes fire, explosion, self-ignition, lightning, burglary/theft, earthquake, flood, cyclone, accidental external means, terrorism, riot and strike, plus selected add-ons. Third-party liability covers accidental death or injury and damage to third-party property.
Published exclusions include ordinary ageing/wear and tear, mechanical or electrical breakdown, depreciation or consequential loss
driving without a valid licence or under alcohol/drugs
war, mutiny or nuclear risks
tyre/tube damage except when caused by an accident
specified equipment overturning
and theft of accessories unless the vehicle is also stolen.
Universal Sompo General Insurance, United India Insurance (UIIC), Chola MS General Insurance and Niva Bupa Health Insurance.
Policy-level sums insured and health limits are not published on the catalogue page
the selected product and insurer determine them.
No common entry-age rule is published
each insurer and policy sets eligibility.
No common policy-term range is published
term follows the selected product and insurer.
Premium amounts are not published
partner quotations and product terms determine the price.
No common waiting period is published
policy wording for the selected health or other product controls it.
Published product families include fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel, household goods, group health, cyber, farmer care, loan-secure critical illness, accident, gold-loan customer and business-shield covers. Niva Bupa also lists My Health Secure, Sehat Suraksha, Group Criti Care and Super Top Up.
The Insured Declared Value () is the vehicle's current market value and the maximum amount payable for total loss or theft
it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.
Value awaiting review
A standard comprehensive private-car policy is typically valid for one year
long-term options may be available for two or three years, depending on the cover selected.
Starts at ₹2,094
the quoted premium varies with the selected coverages, vehicle and other quotation factors.
Value awaiting review
Third-party liability and own-damage/comprehensive options vary by the policy selected
add-ons and exclusions are controlled by the policy wording
The comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs
the selected policy wording controls the complete list.
Adults: 18–65 for hospitalization, critical illness, hospital daily cash and personal accident. Children: hospitalization and hospital daily cash from 91 days/1 day to 25 years
critical illness 18–25
personal accident 5–25.
No single fixed duration is published in the reviewed prospectus or policy wording
the certificate or schedule sets the policy period. The prospectus states that the policy can be renewed for lifetime, subject to the product remaining available and policy conditions.
Published rate-chart premiums vary by age band, base sum insured and family/floater combination. Separate tables also price optional maternity/newborn, hospital daily cash, critical-illness and personal-accident benefits
listed amounts are stated excluding unless the table says otherwise.
Critical-illness signs or symptoms must first commence at least 90 days after the policy period starts.
Group health cover can include inpatient hospitalisation, pre/post-hospitalisation, day care, domiciliary care, , organ donor, reinstatement, genetic/internal congenital conditions, / and advanced treatments. Optional covers include maternity/newborn, outpatient, aggregate deductible, co-pay, critical illness, hospital cash and personal accident
schedule-selected limits apply.
The policy excludes or limits non-medically-necessary care, non-listed or experimental treatment, cosmetic procedures except covered accident reconstruction, treatment outside policy terms, and other exclusions and room-charge sub-items listed in the wording and annexures
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
The issued policy schedule sets the commencement and expiry dates. General offers third-party liability-only, package/comprehensive and bundled options
the wording expressly covers policies with a term up to one year and policies with a term longer than one year, so the selected duration is shown on the schedule rather than fixed universally on the product page.
₹538+* in the page title
₹868 in the Key Features table. General does not reconcile the two starting figures on the reviewed page
the final premium depends on vehicle, RTO and selected cover.
No general waiting period is stated for the base two-wheeler package cover. Cover applies during the policy period shown in the schedule
individual add-ons can have their own conditions, such as a 15-day exclusion for certain tyre/rim damage cover and a maximum of two replacements in one annual period.
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Third-party liability and own-damage/comprehensive options, with add-ons and exclusions controlled by the selected policy
Mechanical/electrical breakdown
alcohol or drug-impaired riding
normal wear and tear
inactive policy
unlawful activity such as racing
incidents outside the geographic boundaries
war
minor or unlicensed rider
insured-person injury/death while riding
and riding without a helmet. The policy wording controls the complete list.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Auto Secure Private Car Package Policy - TATA AIGBank of Baroda
Auto Secure Two-Wheeler Package Policy - TATA AIGBank of Baroda
CholaMS Motor InsuranceBank of Baroda
Star Travel Protect Insurance PolicyBank of Baroda
Two Wheeler - National InsuranceBank of Baroda
SBI General Car InsuranceState Bank of India
SBI General Travel Insurance — Business & HolidayState Bank of India
SBI General Two Wheeler InsuranceState Bank of India
