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Auto Secure Two-Wheeler Package Policy - TATA

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

Policy typeMotor insurance with liability-only and comprehensive two-wheeler package options.
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Quick eligibility check

Auto Secure Two-Wheeler Package Policy - TATA

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: The vehicle, owner-driver, policy schedule and effective driving-licence conditions govern eligibility?

2Does your age meet this requirement: no person-age threshold is published?

3Do you meet this requirement: Owner-driver personal-accident cover requires the owner-driver to be the registered owner and named insured, with an effective driving licence under Rule 3 of the Central Motor Vehicles Rules, 1989?

4Do you meet this requirement: nominee details are required?

5Do you meet this requirement: Optional add-ons apply only when shown in the policy schedule and subject to their own conditions, limits and deductibles?

6Document checkDo you have this required document or proof: Policy schedule, proposal details and original certificate of insurance?

7Document checkDo you have this required document or proof: Vehicle registration certificate and evidence of ownership; for transfer, acceptable sale evidence and the original old certificate are required within the published transfer process?

8Document checkDo you have this required document or proof: Effective driving licence for the owner-driver personal-accident claim and nominee details in the proposal form?

9Document checkDo you have at least one of these required documents: For theft or criminal loss, immediate police notice, the final investigation report or FIR/police acknowledgement and insurer claim information?

0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 28 Sept 2026 · active
Auto Secure Two-Wheeler Package Policy official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product 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.

Two-wheeler cover typesThe 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.View source
The official Features section distinguishes liability-only and comprehensive package policies.
Source
Auto Secure Two-Wheeler Package Policy - TATA
Page / section
Features
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsLiability-only cover protects against third-party property damage, bodily injury and death and includes owner-driver personal accident subject to the schedule. The comprehensive package covers own damage from fire, explosion, lightning, theft, riot/strike, natural disasters, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. The wording also provides schedule-selected optional covers for depreciation, invoice shortfall, consumables, emergency medical expenses, additional third-party property damage, additional owner-driver and unnamed-person accident cover, roadside assistance, engine/water damage, electric surge, battery depreciation and tyre/rim damage.View source
The manually reviewed product record states: “Liability-only cover protects against third-party property damage, bodily injury and death and includes owner-driver personal accident subject to the schedule. The comprehensive package covers own damage from fire, explosion, lightning, theft, riot/strike, natural disasters, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. The wording also provides schedule-selected optional covers for depreciation, invoice shortfall, consumables, emergency medical expenses, additional third-party property damage, additional owner-driver and unnamed-person accident cover, roadside assistance, engine/water damage, electric surge, battery depreciation and tyre/rim damage.”.
Source
Auto Secure Two-Wheeler Package Policy - TATA — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Policy typeMotor insurance with liability-only and comprehensive two-wheeler package options.Effective 8 May 2026View source
The current page identifies the Tata motor policy and separates mandatory liability-only cover from the comprehensive package; the current wording contains the corresponding Sections I–III.
Source
Auto Secure Two-Wheeler Package Policy - TATA
Page / section
lines 157–185; Tata V8 pages 1–5
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
InsurerTata AIG General Insurance Company Limited. Bank of Baroda distributes the policy as an insurance corporate-agent channel; the insurance contract is between Tata AIG and the insured.View source
The page names Tata as provider and states that acts as a corporate agent while the insurance contract is with the insurer.
Source
Auto Secure Two-Wheeler Package Policy - TATA
Page / section
lines 157–159 and 310–315
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Sum insured / coverThe Insured's Declared Value (IDV) 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 IDV.Effective 8 May 2026View source
The wording defines as the sum insured, sets the owner-driver limit at ₹15 lakh and defines constructive total loss above 75% of ; the page confirms the owner-driver and third-party sections.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Pages 3–5; lines 231–258
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Policy termThe 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.Effective 8 May 2026View source
The current wording makes cover subject to the schedule and defines the policy year as twelve consecutive months; cancellation and provisions also refer to remaining policy years where the schedule exceeds one year.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Pages 1, 7–10 and 35; definitions of Period of Insurance and Policy Year
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key coverageLiability-only cover protects against third-party property damage, bodily injury and death and includes owner-driver personal accident subject to the schedule. The comprehensive package covers own damage from fire, explosion, lightning, theft, riot/strike, natural disasters, accidental external means, malicious or terrorist activity, transit and landslide/rockslide. The wording also provides schedule-selected optional covers for depreciation, invoice shortfall, consumables, emergency medical expenses, additional third-party property damage, additional owner-driver and unnamed-person accident cover, roadside assistance, engine/water damage, electric surge, battery depreciation and tyre/rim damage.Effective 8 May 2026View source
The current page describes the three base cover sections and six listed add-ons; the current insurer wording extends the schedule-selected add-on set and supplies the controlling conditions.
Source
Auto Secure Two-Wheeler Package Policy - TATA
Page / section
lines 169–298; Tata V8 pages 1–5, 21–34
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Key exclusionsBase 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.Effective 8 May 2026View source
The complete current wording and exclusions section were reviewed; the comparison fact keeps principal exclusions concise while the detailed add-on table retains individual conditions.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Pages 1–8, 21–34; lines 299–309
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Own-damage perilsAccidental external means; fire, explosion, self-ignition and lightning; burglary, housebreaking and theft; riot and strike; earthquake; flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm and frost; malicious act; terrorist activity; transit by road, rail, inland waterway, lift/elevator or air; and landslide or rockslide.Effective 8 May 2026View source
Section I of the current wording and the page list the causes of loss or damage covered under comprehensive own-damage cover.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Page 1; lines 201–210
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Two-wheeler IDV depreciationFor fixing IDV, depreciation is 5% for a vehicle not exceeding 6 months, 15% over 6 months up to 1 year, 20% over 1 to 2 years, 30% over 2 to 3 years, 40% over 3 to 4 years and 50% over 4 to 5 years. IDV beyond 5 years or for an obsolete model is agreed between insurer and insured. IDV remains the market value for total loss, total theft and constructive total loss during the policy period.Effective 8 May 2026View source
The current wording publishes a separate schedule for total-loss/constructive-total-loss purposes; it is distinct from parts-replacement depreciation.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Page 3; lines 231–239
Accessed
28 Sept 2026
Confidence
high
Open official source ↗
Two-wheeler add-onsThe current BOB page names Depreciation Allowance, Return to Invoice, Consumable Expenses, Emergency Medical Expenses, Additional Third-Party Property Damage, Additional Personal Accident for Owner Driver and Additional Personal Accident for Unnamed Persons. The current Tata AIG V8 wording additionally contains Roadside Assistance, Engine Secure, Electric Surge Secure, Battery Depreciation Allowance and Tyre and Rim Secure; every add-on is schedule-selected and subject to its UIN, deductible, limit and exclusions.Effective 8 May 2026View source
The page and current insurer wording were compared; the canonical list includes all named current add-ons and leaves selected limits to the issued schedule.
Source
Auto Secure Two Wheeler Package Policy V8
Page / section
Pages 21–34; lines 261–298
Accessed
28 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Liability-only cover for third-party property damage, bodily injury and death, with owner-driver personal-accident cover subject to the schedule.
  • Comprehensive package cover for own damage, theft, natural disasters, fire, explosion, riot, terrorist or malicious acts and transit.
  • The current Tata wording also defines optional Return to Invoice, Depreciation Allowance, Consumable Expenses, Emergency Medical, additional third-party property damage, additional personal-accident, roadside assistance, Engine Secure, Electric Surge Secure, Battery Depreciation Allowance and Tyre and Rim Secure covers.
  • The existing official spotlight artwork is reused through the optimized asset path.

Eligibility

  • The vehicle, owner-driver, policy schedule and effective driving-licence conditions govern eligibility; no person-age threshold is published.
  • Owner-driver personal-accident cover requires the owner-driver to be the registered owner and named insured, with an effective driving licence under Rule 3 of the Central Motor Vehicles Rules, 1989; nominee details are required.
  • Optional add-ons apply only when shown in the policy schedule and subject to their own conditions, limits and deductibles.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Policy schedule, proposal details and original certificate of insurance.
  • Vehicle registration certificate and evidence of ownership; for transfer, acceptable sale evidence and the original old certificate are required within the published transfer process.
  • Effective driving licence for the owner-driver personal-accident claim and nominee details in the proposal form.
  • For theft or criminal loss, immediate police notice, the final investigation report or /police acknowledgement and insurer claim information.
  • For emergency medical add-on claims, original valid bills or receipts and the attending practitioner, hospital or nursing-home prescription.
  • For a death-related policy transfer, death certificate, proof of title to the vehicle and original policy.

Related official documents

Auto Secure Two Wheeler Package Policy Base Policy Wording 56b400846apolicy-wording · current · accessed 15 Aug 2026
↗
Auto Secure Two Wheeler Package Policy — current Bank of Baroda product pageofficial-product-page · current · accessed 7 Sept 2026
↗
Auto Secure Two-Wheeler official spotlight artworkofficial-product-image · current official artwork; existing optimized asset reused · accessed 28 Sept 2026
↗
Auto Secure Two-Wheeler Package Policy - TATA AIG — current Bank of Baroda product pageofficial-product-page · current · accessed 28 Sept 2026
↗
Auto Secure Two-Wheeler Package Policy — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Auto Secure Two Wheeler Package Policy V8 — Tata AIG (08 May 2026)official-policy-pdf · current · accessed 28 Sept 2026
↗
Auto Secure Two Wheeler Package Policy — Tata AIG base policy wordingofficial-pdf · current · accessed 29 Aug 2026
↗
Auto Secure — Two Wheeler Package Policy V8 (08 May 2026)official-policy-pdf · current · accessed 7 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

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.

Liability-only cover · Published detailThird-party property damage, bodily injury and death; owner-driver personal accident

This value is copied from Auto Secure Two-Wheeler — cover and depreciation schedule. Check the table notes before relying on it.

Source: Auto Secure Two-Wheeler Package Policy - TATA · Features; Covers; /depreciation schedules; Add-ons; Exclusions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsAuto Secure Two-Wheeler — cover and depreciation schedulePublished liability, own-damage, personal-accident, IDV and depreciation rows.View tableHide table

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Auto Secure Two-Wheeler — cover and depreciation schedule
TermPublished detail
Liability-only coverThird-party property damage, bodily injury and death; owner-driver personal accident
Comprehensive coverOwn damage/theft, natural disasters, fire/explosion, riot, terrorist/malicious act and transit
Owner-driver accident coverStandard cover up to ₹15 lakh; compensation scale is published by injury
depreciation5% (>6 months–1 year), 15% (>1–2 years), 20% (>2–3), 30% (>3–4), 40% (>4–5), 50% (>5–10 years)
Add-onsDepreciation Allowance, Return to Invoice, Consumable Expenses, additional third-party property damage and additional personal-accident covers
PremiumQuote/policy-schedule specific; no universal purchase premium is published
  • Depreciation on replacement parts and follows the separate schedules published in the policy wording.
Auto Secure Two-Wheeler Package Policy - TATA · Features; Covers; /depreciation schedules; Add-ons; Exclusions · accessed 30 Aug 2026Open official source ↗
Table 2 · 4 rows · 2 columnsAuto Secure Two Wheeler — policy duration termsDuration terms transcribed from Tata AIG's current policy wording.View tableHide table

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Auto Secure Two Wheeler — policy duration terms
TermPublished detail
Period of InsuranceThe period stated in the policy schedule for which the policy is valid and operative
Policy Year12 consecutive months beginning on the policy commencement date, or the earlier policy expiry date
Period beyond 12 monthsPermitted where stated in the schedule; the wording requires further premium for an extension beyond 12 months
Universal fixed termNot prescribed; confirm the issued schedule for the vehicle and cover selected
  • A schedule-defined period is not the same as a generic one-year promise; the issued policy schedule controls.
Auto Secure — Two Wheeler Package Policy V8 · Definitions, page 35; General conditions, pages 1–10; Add-on duration, page 22 · effective 8 May 2026 · accessed 7 Sept 2026Open official source ↗
Table 3 · 13 rows · 2 columnsAuto Secure Two-Wheeler — parts and painting depreciationCurrent Tata AIG V8 depreciation schedule for replaced parts and painting.View tableHide table

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Auto Secure Two-Wheeler — parts and painting depreciation
Part or vehicle ageDepreciation or rule
Rubber, nylon and plastic parts; tyres, tubes and batteries50%
Fibre-glass components30%
All parts made of glassNil
Other parts — vehicle not exceeding 6 monthsNil
Other parts — over 6 months to 1 year5%
Other parts — over 1 year to 2 years10%
Other parts — over 2 years to 3 years15%
Other parts — over 3 years to 4 years25%
Other parts — over 4 years to 5 years35%
Other parts — over 5 years to 10 years40%
Other parts — over 10 years50%
Painting50% on material cost; for a consolidated painting bill, material is treated as 25% of total painting charges
Non-OEM/Non-OES parts used in repairNo depreciation deduction
  • These deductions apply to parts replaced under own-damage cover, subject to the policy and any applicable add-on.
Auto Secure Two Wheeler Package Policy V8 · Pages 1–2 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 4 · 7 rows · 2 columnsAuto Secure Two-Wheeler — IDV depreciationCurrent Tata AIG V8 schedule for fixing the Insured's Declared Value.View tableHide table

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Auto Secure Two-Wheeler — IDV depreciation
Vehicle ageDepreciation for fixing
Not exceeding 6 months5%
Over 6 months to 1 year15%
Over 1 year to 2 years20%
Over 2 years to 3 years30%
Over 3 years to 4 years40%
Over 4 years to 5 years50%
Beyond 5 years or obsolete modelAgreed between insurer and insured
  • The schedule is for total-loss and constructive-total-loss fixing. Constructive total loss applies when retrieval and/or repair cost exceeds 75% of .
Auto Secure Two Wheeler Package Policy V8 · Page 3 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 5 · 7 rows · 2 columnsAuto Secure Two-Wheeler — owner-driver compensationOwner-driver personal-accident compensation scale and conditions.View tableHide table

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Auto Secure Two-Wheeler — owner-driver compensation
Injury or conditionPublished compensation or rule
Death100%
Loss of two limbs, sight of two eyes, or one limb and sight of one eye100%
Loss of one limb or sight of one eye50%
Permanent total disablement from other named injuries100%
Standard owner-driver capital sum insuredUp to ₹15,00,000 per period of insurance
Eligibility for owner-driver PARegistered owner, named insured and effective driving licence under Rule 3 of the Central Motor Vehicles Rules, 1989
NomineeNominee details are mandatory in the proposal form
  • Only one compensation item is payable for one occurrence; the aggregate owner-driver liability does not exceed the capital sum insured shown in the schedule.
Auto Secure Two Wheeler Package Policy V8 · Pages 5–6; lines 249–258 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 6 · 13 rows · 4 columnsAuto Secure Two-Wheeler — current add-ons and conditionsSchedule-selected add-ons and the useful limits or conditions printed in Tata AIG V8.View tableHide table

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Auto Secure Two-Wheeler — current add-ons and conditions
Add-on or endorsementPublished coverKey condition or limit
Loss of AccessoriesIMT33Declared accessories damaged by burglary, housebreaking or theftAdditional premium and declared accessories shown in the schedule
Depreciation AllowanceIRDAN108RP0001V01200001/A0061V02201819Pays depreciation deducted on parts replaced under an admissible own-damage claimFirst number of claims and deductible are schedule-defined
Return to InvoiceIRDAN108RP0001V01200001/A0060V01201819Pays the shortfall between own-damage payout and purchase price or current replacement price, whichever is lower, plus first registration and road taxFirst registered owner; lender consent; valid total-loss/CTL or theft claim; final investigation report; vehicle not imported
Consumable ExpensesIRDAN108RP0001V01200001/A0063V01201819Consumables such as engine/gearbox oil, lubricants, nuts, bolts, grease, filters, bearings, washers, clips and brake oil, excluding fuelAdmissible own-damage claim and authorised garage
Emergency Medical ExpensesIRDAN108RP0001V01200001/A0064V01201819Emergency treatment and ambulance charges for insured/occupant after an accidentHospital/nursing-home treatment; original bills and prescription; treatment starts within 5 days; sickness, physiotherapy and psychosomatic disorders excluded
Additional Third-Party Property DamageIRDAN108RP0001V01200001/A0062V01201819Property damage above the maximum limit under Section II up to the schedule limitOne claim or series from one event; schedule limit controls
Additional Personal Accident — Owner DriverIRDAN108RP0001V01200001/A0065V01201819Additional accident compensation on the published injury scaleSchedule sum insured and one compensation item per occurrence
Additional Personal Accident — Unnamed PersonsIRDAN108RP0001V01200001/A0066V01201819Accident cover for unnamed hirer, driver, pillion or side-car passengerSchedule sum insured; injury must meet wording conditions
Roadside AssistanceIRDAN108RP0001V01200001/A0086V01201819Flat tyre, jump start, keys, emergency fuel, on-site repair and towing assistanceMainland India roads; up to 4 uses; towing generally within 100 km; reimbursement up to ₹2,000 for towing or ₹250 for other services with prior authorisation
Engine Secure — Two-Wheeler AnnualIRDAN108RP0076V01201819/A0001V01202324Repair/replacement for internal engine, gearbox and transmission damage from water ingress or oil leakage; related lubricants excluding fuel maximum; no electric vehicles; tow to garage within 2 days after water recedes; manufacturer warranty/maintenance and wear excluded
Electric Surge Secure — Two-Wheeler AnnualIRDAN108RP0076V01201819/A0001V01202223Electric-vehicle and charging-equipment loss from arcing, self-heating, leakage, short circuit or water ingress while charging maximum; manufacturing defect, non-approved equipment and charging contrary to instructions excluded
Depreciation Allowance — BatteryIRDAN108RP0076V01201819/A0002V01202223Pays depreciation on a battery replaced under an admissible own-damage claimNumber of claims and deductible are schedule-defined; battery cost must be in or endorsed
Tyre and Rim Secure — Two-Wheeler AnnualIRDAN108RP0076V01201819/A0006V01202324Repair/replacement of tyres, tubes and rims after accidental or standalone damageTread-depth schedule and full-replacement/repair option apply; maintenance, wear, theft and racing exclusions apply
  • An add-on applies only when shown on the issued policy schedule; strings are transcribed from the current wording, including the insurer's printed formatting.
Auto Secure Two Wheeler Package Policy V8 · Pages 21–34; lines 261–298 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 7 · 4 rows · 2 columnsTyre and Rim Secure — tread-depth compensationPublished compensation for tyre/tube replacement or repair based on unused tread depth.View tableHide table

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Tyre and Rim Secure — tread-depth compensation
Unused tread depthMaximum compensation
Less than 3 mmNot covered; treated as normal wear and tear
>=3 mm and <5 mm50% of cost of new tyre and/or tube
>=5 mm and <7 mm75% of cost of new tyre and/or tube
>=7 mm100% of cost of new tyre and/or tube
  • The wording requires measurements at the centre of the tread and preserves additional exclusions for matching undamaged tyres, maintenance, wear, theft, racing and consequential damage.
Auto Secure Two Wheeler Package Policy V8 · Pages 32–34 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 8 · 5 rows · 2 columnsNo Claim Bonus on own-damage premiumNCB discount schedule in the current Tata AIG wording.View tableHide table

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No Claim Bonus on own-damage premium
No claim made or pending during preceding full yearsDiscount on own-damage premium
1 year20%
2 consecutive years25%
3 consecutive years35%
4 consecutive years45%
5 consecutive years50%
  • The entitlement follows the original insured, not the vehicle or policy; transfer and declaration conditions in the wording apply.
Auto Secure Two Wheeler Package Policy V8 · Pages 9–10 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 9 · 5 rows · 2 columnsCancellation and premium refund conditionsCurrent cancellation rules; the issued schedule and no-claim condition control the refund.View tableHide table

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Cancellation and premium refund conditions
Cancellation situationPublished condition
Insurer cancellationFraud cancellation with 7 days' recorded-delivery notice; policy cancelled ab initio with premium forfeiture and claim non-consideration
Insured cancellationAllowed without reason when no claim has arisen; proportionate refund for unexpired period subject to proof of alternative liability-only cover and original certificate
Third-party section cancellationOnly for double insurance or total/constructive total loss, with original cancelled registration certificate or alternative insurance proof
Double insuranceLater policy may be cancelled; refund depends on insurer, policy order, bank requirement and whether a claim arose
Transfer of ownershipLiability-only cover transfers on sale; transferee should apply within 14 days; own-damage transfer requires request, sale evidence and original certificate
  • The wording also includes transfer and declaration rules; premium amounts remain schedule-specific.
Auto Secure Two Wheeler Package Policy V8 · Pages 8–11 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗
Table 10 · 7 rows · 2 columnsClaim notification and evidence conditionsOperational claim requirements published in the current wording.View tableHide table

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Claim notification and evidence conditions
Claim pointPublished requirement
Initial noticeNotify Tata in writing immediately after an accidental loss or damage; add-on wording allows within 7 days or as soon as reasonably possible and no later than 30 days for the stated cover
Theft or criminal actNotify the police immediately and cooperate with the insurer; final investigation report is required for Return to Invoice
Information and assistanceProvide event, vehicle, claim and other information, documents and assistance requested by the insurer
Owner-driver accident coverRegistered owner, named insured and effective driving licence; nominee details required
Emergency medical add-onOriginal valid bills/receipts and attending practitioner, hospital or nursing-home prescription; treatment starts within 5 days
Claim evidence timingThe add-on wording asks for documentation and medical records within 15 days of notice, unless it was not reasonably possible
Insurer delayIf claim is not settled within the applicable timeline, interest is 2% above bank rate from receipt of intimation until payment, subject to the wording
  • The policy schedule, claim form and insurer's request may require additional evidence for the particular loss.
Auto Secure Two Wheeler Package Policy V8 · Pages 6–8, 11–12 and 22–25 · effective 8 May 2026 · accessed 28 Sept 2026Open official source ↗

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