Insurance

Auto Secure Private Car Package Policy - TATA

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

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✓ Manually checked 28 Sept 2026 · active

Auto Secure Private Car Package Policy official Bank of Baroda artwork

Offered byBank of Baroda

Base policy applies within the policy geographical area; optional roadside assistance is available on mainland Indian roads except Mizoram, Nagaland, Tripura, Arunachal Pradesh and Sikkim. A separate geographical extension may be endorsed for Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh, subject to its terms.

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Private-car core coverageThe Tata AIG 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.View source

The official coverage and sections publish the covered perils and third-party limits.

Source: Auto Secure Private Car Package Policy - TATA
Page / section: Features & Coverage /
Accessed: 23 Aug 2026
Confidence: high

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Owner-driver personal accident coverCompulsory 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.View source

The official schedule lists the owner-driver compensation scale and ₹15 lakh maximum.

Source: Auto Secure Private Car Package Policy - TATA
Page / section: Personal Accident Cover for the Owner-Driver
Accessed: 23 Aug 2026
Confidence: high

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Geographic limitsOwn-damage cover includes fire, explosion, lightning, burglary/theft, riot/strike, earthquake, flood and other listed natural calamities, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. Third-party bodily-injury/death liability is covered subject to the policy; third-party property damage is up to ₹7,50,000 on the current page. Owner-driver personal accident compensation is available up to ₹15,00,000. IDV is the own-damage sum-insured basis.View source

The manually reviewed product record states: “Own-damage cover includes fire, explosion, lightning, burglary/theft, riot/strike, earthquake, flood and other listed natural calamities, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. Third-party bodily-injury/death liability is covered subject to the policy; third-party property damage is up to ₹7,50,000 on the current page. Owner-driver personal accident compensation is available up to ₹15,00,000. is the own-damage sum-insured basis.”.

Source: Auto Secure Private Car Package Policy - TATA — official product page
Page / section: Published product metadata
Accessed: 15 Aug 2026
Confidence: high

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Policy typePrivate-car package motor insurance with own-damage, third-party liability and owner-driver personal-accident sections; optional add-ons apply only when shown in the policy schedule.View source

The current page identifies a private-car package policy issued by Tata and separates own damage, third-party liability and owner-driver cover.

Source: Auto Secure Private Car Package Policy - TATA — current Bank of Baroda product page
Page / section: Lines 152–159 and 168–197
Accessed: 28 Sept 2026
Confidence: high

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InsurerTata AIG General Insurance Company Limited. Bank of Baroda distributes the product as an insurance corporate-agent channel; the insurance contract is with Tata AIG.View source

The page names Tata General Insurance Company Ltd and states that acts as a corporate agent while the insurer underwrites the policy.

Source: Auto Secure Private Car Package Policy - TATA — current Bank of Baroda product page
Page / section: Lines 157–159 and 298–300
Accessed: 28 Sept 2026
Confidence: high

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Core coverOwn-damage cover includes fire, explosion, lightning, burglary/theft, riot/strike, earthquake, flood and other listed natural calamities, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. Third-party bodily-injury/death liability is covered subject to the policy; third-party property damage is up to ₹7,50,000 on the current page. Owner-driver personal accident compensation is available up to ₹15,00,000. IDV is the own-damage sum-insured basis.View source

The page and insurer wording publish the covered perils, third-party limits, owner-driver scale and basis.

Source: Auto Secure Private Car Package Policy — page and Tata wording
Page / section: lines 170–197 and 326–336; wording pages 2–4
Accessed: 28 Sept 2026
Confidence: high

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Sum insured / coverOwn-damage sum insured is the vehicle's Insured Declared Value (IDV), fixed at the start of each policy period. Owner-driver personal-accident capital sum insured is up to ₹15,00,000; third-party property-damage compensation is up to ₹7,50,000 on the current BOB page. Optional add-on limits are schedule-specific.View source

The wording defines as the own-damage sum insured, while the page publishes the owner-driver and third-party property limits.

Source: Auto Secure Private Car Package Policy — Tata policy wording
Page / section: pages 2–4; lines 197 and 326–336
Accessed: 28 Sept 2026
Confidence: high

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Add-on limits and conditionsThe reviewed add-ons include depreciation reimbursement for the first two claims; Daily Allowance up to 10 days for repair and 15 days for theft/total loss; Courtesy/Hire Car up to 10/15 days, generally available within 24 hours and limited to 8 hours or 80 km per day, whichever is lower; No Claim Bonus protection subject to the published claim-free and renewal conditions; Loss of Personal Belongings with a first ₹250 deductible; Engine Secure; Tyre Secure with page-level cover for up to four tyres; Consumables; Roadside Assistance with up to four service uses; and other schedule-selected covers in the complete add-on table.View source

The current page and complete insurer wording publish the add-on names, day/distance/use limits and schedule-dependent conditions preserved in the add-on tables.

Source: Auto Secure Private Car Package Policy — add-ons
Page / section: lines 213–282; wording pages 14–24
Accessed: 28 Sept 2026
Confidence: high

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Claim notification and timingNotify Tata AIG immediately or as soon as reasonably possible after a loss. Theft must be reported to the police and insurer within 48 hours where practicable, with an FIR or written acknowledgement. The current BOB FAQ says claims can be made within 7 days of receiving final documents. The policy also states that a claim not settled within 30 days attracts interest at 2% above the bank rate from receipt of the last relevant document, subject to its conditions.View source

The wording supplies the immediate-notice, theft-reporting and settlement-interest conditions; the separately publishes the seven-day final-document timing.

Source: Auto Secure Private Car Package Policy — claim conditions
Page / section: pages 6–8; lines 326–336
Accessed: 28 Sept 2026
Confidence: high

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Key exclusionsBase 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.View source

The complete wording and current exclusions section were checked; concise principal exclusions are shown here while add-on conditions remain in the source tables.

Source: Auto Secure Private Car Package Policy — Tata policy wording
Page / section: pages 2–8 and 13–24; lines 284–294
Accessed: 28 Sept 2026
Confidence: high

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Policy termThe 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.View source

The insurer wording defines the period by the schedule and a policy year as twelve consecutive months; the renewal section allows terms and premiums to change.

Source: Auto Secure — Private Car Package Policy base wording
Page / section: Definitions — period of insurance and policy year; renewal conditions
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Premium and cancellationPurchase 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 PDF 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.View source

The wording states that the schedule supplies the premium and publishes the minimum retained premium and short-period grid; no universal purchase premium is printed.

Source: Auto Secure Private Car Package Policy — Tata policy wording
Page / section: pages 5–7 — cancellation and short-period retention grid
Accessed: 28 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

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.

Documents the bank lists

Policy schedule and policy number.
For every claim: immediate loss details, loss location, damaged-vehicle location, contact details and the vehicle's policy information.
For theft: police complaint/ or written police acknowledgement, reported to police and insurer within 48 hours where practicable.
For repairs or reimbursement: detailed repair estimate, original bills/receipts, photographs and any surveyor or garage documents requested by Tata .
For owner-driver personal-accident cover: effective driving licence, registered-owner/policyholder evidence and nominee details.
For a deceased policyholder transfer: death certificate, proof of title and original policy.
For vehicle-loan protector: the loan amortisation chart and amendments from the bank/financial institution.
For roadside-assistance reimbursement: prior toll-free authorisation, event documents and actual-cost proof.

Try the numbers

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TableInjury

Death · Scale of compensation100%

This value is copied from Auto Secure Private Car — owner-driver personal-accident compensation. Check the table notes before relying on it.

Source: Auto Secure Private Car Package Policy - TATA · Features & Coverage — Personal Accident Cover for the Owner-Driver Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 2 columnsAuto Secure Private Car — owner-driver personal-accident compensationCompensation scale shown on the official Bank of Baroda product page.View tableHide table

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Auto Secure Private Car — owner-driver personal-accident compensation
Injury	Scale of compensation
Death	100%
Loss of two limbs or sight of two eyes, or one limb and sight of one eye	100%
Loss of one limb or sight of one eye	50%
Permanent total disablement from other named injuries	100%

The page states that owner-driver capital sum insured is available up to ₹15,00,000.

Auto Secure Private Car Package Policy - TATA · Features & Coverage — Personal Accident Cover for the Owner-Driver · accessed 29 Aug 2026Open official source ↗

Table 2 · 8 rows · 2 columnsAuto Secure Private Car — IDV depreciation scheduleVehicle-age depreciation schedule used for IDV under the official product page.View tableHide table

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Auto Secure Private Car — IDV depreciation schedule
Vehicle age	Depreciation
Not exceeding 6 months	Nil
Exceeding 6 months but not exceeding 1 year	5%
Exceeding 1 year but not exceeding 2 years	10%
Exceeding 2 years but not exceeding 3 years	15%
Exceeding 3 years but not exceeding 4 years	25%
Exceeding 4 years but not exceeding 5 years	35%
Exceeding 5 years but not exceeding 10 years	40%
Exceeding 10 years	50%

The policy wording states that is the sum insured for own-damage cover; the depreciation schedule is used for calculation.

Auto Secure Private Car Package Policy - TATA · Features & Coverage — depreciation in schedule · accessed 29 Aug 2026Open official source ↗

Table 3 · 3 rows · 2 columnsAuto Secure Private Car — policy duration termsDuration terms transcribed from Tata AIG's policy wording.View tableHide table

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Auto Secure Private Car — policy duration terms
Term	Published detail
Period of insurance	The period stated in the policy schedule for which the policy is valid and operative
Policy year	12 consecutive months beginning on the commencement date, ending on the earlier of the twelve-month period end or policy expiry
Universal fixed term	Not prescribed; confirm the issued schedule for the vehicle and cover selected

The policy schedule, not a generic comparison assumption, controls the vehicle's issued period.

Auto Secure — Private Car Package Policy wording · Definitions — Period of insurance and Policy Year, page 10 · accessed 7 Sept 2026Open official source ↗

Table 4 · 12 rows · 2 columnsAuto Secure Private Car — parts and repair depreciationParts and painting depreciation from the Tata AIG wording.View tableHide table

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Auto Secure Private Car — parts and repair depreciation
Part or vehicle-age band	Depreciation or rule
Rubber, nylon, plastic parts; tyres, tubes and batteries	50%
Fibre-glass components	30%
All parts made of glass	Nil
Other parts — vehicle not exceeding 6 months	Nil
Other parts — over 6 months to 1 year	5%
Other parts — over 1 year to 2 years	10%
Other parts — over 2 years to 3 years	15%
Other parts — over 3 years to 4 years	25%
Other parts — over 4 years to 5 years	35%
Other parts — over 5 years to 10 years	40%
Other parts — over 10 years	50%
Painting	50% on material cost; if one consolidated painting bill is used, material is treated as 25% of total painting charges

These deductions apply to parts replaced under own-damage cover subject to the policy and add-on terms.

Auto Secure Private Car Package Policy — Tata policy wording · Page 2 — Section I parts and painting depreciation · accessed 28 Sept 2026Open official source ↗

Table 5 · 7 rows · 2 columnsAuto Secure Private Car — policy-wording IDV depreciation scheduleThe separate IDV schedule in the Tata AIG wording. The current BOB page publishes a different page-level schedule; both are retained as source-specific schedules.View tableHide table

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Auto Secure Private Car — policy-wording IDV depreciation schedule
Vehicle age	Depreciation for fixing
Not exceeding 6 months	5%
Over 6 months to 1 year	15%
Over 1 year to 2 years	20%
Over 2 years to 3 years	30%
Over 3 years to 4 years	40%
Over 4 years to 5 years	50%
Beyond 5 years or obsolete model	Agreed between insurer and insured

This table is for total-loss/constructive-total-loss fixing. The wording treats a vehicle as constructive total loss when retrieval/repair cost exceeds 75% of . The current page's separate 0/5/10/15/25/35/40/50 schedule remains in auto-secure-private-car-idv-depreciation with its page source.

Auto Secure Private Car Package Policy — Tata policy wording · Page 3 — Sum Insured/ and schedule of depreciation for fixing · accessed 28 Sept 2026Open official source ↗

Table 6 · 9 rows · 2 columnsAuto Secure Private Car — cancellation premium retentionShort-period retention grid when the insured cancels without a claim.View tableHide table

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Auto Secure Private Car — cancellation premium retention
Policy period already in force	Annual premium retained
Not exceeding 1 month	20%
Over 1 month to 2 months	30%
Over 2 months to 3 months	40%
Over 3 months to 4 months	50%
Over 4 months to 5 months	60%
Over 5 months to 6 months	70%
Over 6 months to 7 months	80%
Over 7 months to 8 months	90%
Over 8 months	Full annual premium/rate

Minimum retained premium is ₹100, or ₹25 for vehicles specifically designed or modified for blind, handicapped or mentally challenged persons. Fifteen days' notice and no claim during the policy period are required for the insured cancellation route.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 5–7 — Cancellation premium retention grid · accessed 28 Sept 2026Open official source ↗

Table 7 · 21 rows · 3 columnsAuto Secure Private Car — add-on covers and published conditionsThe main optional add-ons listed on the current BOB page and the Tata AIG wording.View tableHide table

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Auto Secure Private Car — add-on covers and published conditions
Add-on	Published cover or limit	Important condition
TA01 Depreciation Reimbursement	Depreciation on replaced parts for first 2 claims	Own-damage claim and authorised garage/workshop
TA02 Daily Allowance	Maximum 10 days; 15 days for theft/total loss	Not payable for glass-only, invalid claim, unauthorised garage or repairs up to 3 days
TA03 Courtesy/Hire Car	Maximum 10 repair days; 15 theft/total-loss days; within 24 hours; 8 hours or 80 km/day, whichever is lower	Excludes weekends/national holidays and non-admissible repair time
TA05 Return to Invoice	Difference between and on-road price of a similar new vehicle for total loss/CTL/theft	Valid admissible claim; finance-company written agreement where endorsed
TA06 No Claim Bonus Protection	Same at renewal with no more than 1 current-period own-damage claim	Two or more accumulated claim-free years; renewal within 90 days; not TL/CTL
TA08 Glass, Fibre, Plastic & Rubber repair	One repair claim does not affect	Authorised workshop; no other vehicle-damage claim in period
TA09 Loss of Personal Belongings	Maximum amount in schedule; first ₹250 of each claim borne by insured	Police report for burglary/theft and valid vehicle claim
TA10 Emergency Transport & Hotel	Maximum amount in schedule for an accident	Documentary expense proof and valid vehicle claim
TA15 Key Replacement	Lost/stolen keys and break-in lock/key replacement, including labour	Police report for break-in protection; personal-use vehicle
TA16 Engine Secure	Internal engine, gearbox, transmission/differential repairs for water ingress or oil leakage; lubricants/consumables excluding fuel	Visible evidence; tow within 2 days after water recedes; no warranty/maintenance/wear and tear
TA17 Tyre Secure	Tread under 3 mm not covered; 3–<5 mm 50%; ≥5–<7 mm 75%; ≥7 mm 100%	Accidental tyre/tube damage; page-level offer covers up to 4 tyres
TA18 Consumables	Engine/gearbox oils, lubricants, filters, bearings, washers, clips, AC gas and similar consumables	Admissible own-damage claim and authorised garage
TA19 Roadside Assistance	Flat tyre, jump start, on-spot repair, fuel, towing, key and journey assistance	Best effort; maximum 4 uses per policy period; territory and prior-approval rules apply
TA20 Daily Allowance Plus	Choose daily allowance or courtesy/hire car; schedule controls days, claims and daily amount	Claim option and limits are schedule-specific
TA21 Additional TP Property Damage	Additional property-damage limit in the schedule beyond Section II	Accident caused solely by insured vehicle
TA22 Emergency Medical Expenses	Schedule sum insured; supporting items up to ₹5,000 or 5% of opted sum insured, whichever is lower	Accident treatment started within 5 days; original bills and prescriptions
TA23 Additional Towing Charges	Schedule maximum beyond Section I towing	Valid Section I claim and expense proof
TA24 Misfuelling	Flush/repair wrong fuel and reimburse wrong fuel up to ₹2,000	Maximum one claim in policy period
TA25 Vehicle Loan Protector	Outstanding vehicle loan on owner-driver death/ linked to covered vehicle damage	Loan amortisation chart; excludes invalid claims, theft/TL/CTL, prior defaults and prior outstanding
TA29 Electric Surge Secure	EV and charging-equipment loss/damage up to schedule	Approved battery/charger; manufacturer instructions; accident battery damage needs under-carriage evidence
TA30 Battery Depreciation Allowance	Depreciation on replaced battery for first number of claims in schedule	Schedule deductible; battery cost must be in or endorsed; authorised garage

Each add-on applies only when shown on the policy schedule; schedule amounts marked as ‘refer schedule’ are intentionally not presented as universal values.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 13–24 — add-on covers TA01–TA30; lines 213–282 · accessed 28 Sept 2026Open official source ↗

Table 8 · 12 rows · 2 columnsAuto Secure Private Car — roadside-assistance servicesRoadside-assistance services, limits and service territory from the policy wording.View tableHide table

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Auto Secure Private Car — roadside-assistance services
Service or rule	Published detail
Flat tyre	Technician replaces the flat tyre with the spare; repair-shop transport and repair cost are borne by the insured
Flat battery	Jump-start assistance; battery replacement and charging costs are borne by the insured
On-spot repair	Technician assistance for a minor mechanical/electrical fault; materials and parts are borne by the insured
Emergency fuel	Up to 5 litres on a chargeable basis
Emergency towing	Nearest garage within 25 km; excess distance is charged by the vendor
Taxi or continuation journey	Alternate transport assistance when immobilised outside home-city limits and repair cannot be completed the same day
Pick-up of repaired vehicle	Driver facility after repair; driver cost borne by insured
Failure-to-provide reimbursement	Up to ₹2,000 per towing event or ₹250 for other services after prior toll-free authorisation and proof
Territory	Mainland India national/state highways and motorable city roads, excluding Mizoram, Nagaland, Tripura, Arunachal Pradesh and Sikkim
Use limit	Maximum 4 service uses during the policy period
Request route	Call 1800 266 7780 and obtain approval before incurring external expenses
Not covered	Best-effort service; listed force-majeure events, racing/rallying, unlawful use and transport of listed loads are excluded

The service is a schedule-selected add-on and is not a guaranteed unlimited roadside service.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 18–20 — TA19 Road Side Assistance · accessed 28 Sept 2026Open official source ↗

Table 9 · 13 rows · 2 columnsAuto Secure Private Car — schedule-selected optional limitsAdditional cover limits that remain schedule-dependent in the policy wording.View tableHide table

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Auto Secure Private Car — schedule-selected optional limits
Optional cover	Published limit or trigger
Additional third-party property damage	Limit shown in schedule, for accident damage in excess of Section II maximum
Emergency medical expenses	Schedule sum insured for occupants; supporting items up to ₹5,000 or 5% of opted sum insured, whichever is lower
Additional towing	Schedule maximum beyond Section I towing, with expense proof
Misfuelling	Wrong-fuel reimbursement up to ₹2,000; maximum one claim per period
Vehicle loan protector	Outstanding vehicle loan on owner-driver death/ after covered vehicle damage; amortisation chart required
Electric Surge Secure	EV and charging equipment loss/damage up to in schedule
Battery depreciation allowance	Depreciation on replaced battery for the schedule's stated number of claims; schedule deductible
Compulsory deductible	Amount shown in schedule for each Section I event
Voluntary deductible	Schedule-selected amount may reduce premium; insured bears it for each Section I event
Electrical/electronic fittings	Additional-premium cover up to the item's , if specified in schedule
Paid driver/conductor/cleaner liability	₹50 additional premium endorsement for legal liability, subject to statutory and policy conditions
Other employee liability	₹50 per employee insured under the cited endorsement; rateable proportion applies when more than 5 employees including driver are carried
Geographical extension	Additional premium may extend to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh; sea/air ferrying exclusions apply

The policy schedule controls all values shown as schedule-dependent; no universal amount was invented.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 7–14 and 21–24 — endorsements and optional covers · accessed 28 Sept 2026Open official source ↗

Table 10 · 12 rows · 2 columnsAuto Secure Private Car — claim notification and documentsClaim-intimation route and information requirements in the Tata AIG wording.View tableHide table

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Auto Secure Private Car — claim notification and documents
Claim stage	Published requirement
Notify insurer	Immediately or as soon as reasonably possible after actual or potential loss
Contact	Toll-free 1800 266 7780; general.claims@tataaig.com; Tata website
Loss details	Event, loss location, damaged-vehicle location and contact personnel
Theft	Report to police and insurer within 48 hours where practicable; obtain or written police acknowledgement
Information to keep ready	Contact numbers, policy number, insured name, date/time, loss location, nature of loss and person-at-location details
Repair estimate	Detailed estimate must be furnished promptly where the small-repair condition is relied upon; policy wording limits that route to estimated repairs up to ₹500
Owner-driver PA	Registered owner/policyholder, effective driving licence and nominee details
Policyholder death transfer	Death certificate, proof of title and original policy
Vehicle-loan protector	Loan agreement amortisation chart and amendments
Roadside reimbursement	Prior toll-free approval, supporting event documents and actual-cost proof
Claim settlement	If not settled within 30 days, wording provides interest at 2% above bank rate from receipt of last relevant document, subject to conditions
timing	Current page says claims can be made within 7 days of receiving final documents

The list is indicative; Tata may request additional documents under the claim form and applicable policy terms.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 3–8 — conditions when a claim arises and renewal; lines 326–336 · accessed 28 Sept 2026Open official source ↗

Table 11 · 13 rows · 2 columnsAuto Secure Private Car — selected policy endorsementsEndorsements and their published conditions retained from the complete wording.View tableHide table

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Auto Secure Private Car — selected policy endorsements
Endorsement	Published effect or condition
IMT1 Geographic extension	Additional premium can extend territory to Nepal, Sri Lanka, Maldives, Bhutan, Pakistan or Bangladesh; sea/air ferrying damage, occupant injury and third-party liability are excluded during transport
IMT5 Hire purchase	Financier/owner receives loss proceeds while recorded as owner; owner-driver PA treatment remains subject to policy conditions
IMT6 Lease agreement	Lessor receives amounts otherwise payable to insured for unrepaired/replaced loss while lessor owns vehicle
IMT13 Own premises	Cover excludes vehicle use outside insured's private premises except a fire-fighting mission
IMT15 PA to named person	Additional premium personal-accident scale: death/two limbs or two eyes/one limb and one eye/other 100%, one limb or one eye 50%; CSI in schedule
IMT19 Imported without customs duty	Parts sourced abroad are limited to catalogue/list price less depreciation, or manufacturer price plus reasonable non-air transport and import duty, plus fitting
IMT20 Reduced TP property limit	Liability limited to ₹6,000 with ₹100 private-car premium reduction
IMT22 Compulsory deductible	Schedule amount borne by insured for each Section I event
IMT22A Voluntary deductible	Schedule-selected deductible may reduce Section I premium
IMT24 Electrical/electronic fittings	Schedule-specified fittings covered for Section I perils up to item ; mechanical/electrical breakdown excluded
IMT27 Liability and fire/theft	Section I restricted to listed fire/theft and natural/social perils according to selected risk wording
IMT28 Paid driver/conductor/cleaner	₹50 additional premium legal-liability endorsement, subject to statutory conditions
IMT29 Other employee liability	₹50 per employee; rateable proportion if more than 5 employees including driver are carried

Endorsements apply only when attached to the issued policy and do not replace the full terms, exceptions, conditions and schedule.

Auto Secure Private Car Package Policy — Tata policy wording · Pages 7–14 — Auto Secure endorsements · accessed 28 Sept 2026Open official source ↗

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What the official sources publish

Benefits and features

Documents the bank lists

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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Arogya Sanjeevani Policy - National

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Auto Secure Private Car Package Policy - TATA