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Motor Insurance
Motor insurance, also known as vehicle insurance, is a protective financial policy that offers coverage to vehicle owners and/or drivers against losses resulting from accidents, theft, fire, or natural calamities. In exchange for a regular premium, your insurer helps cover the cost of repairs or even the replacement of the vehicle. In today’s world, almost every family owns a vehicle — and no matter how careful you are, unfortunate incidents can still happen. With the right motor insurance plan, you don’t have to stress about the financial impact. After an accident, theft, or damage, Amba Insurance is here to take care of the repair or replacement costs.
But motor insurance doesn’t just cover your own damages. A well-structured vehicle insurance policy with third-party liability coverage ensures that if you accidentally harm someone, damage their vehicle, or cause property loss, you won’t have to pay out of pocket. In fact, third-party insurance is a legal requirement in India. Driving without this mandatory cover could lead to steep traffic penalties.
At Amba Insurance, we provide motor insurance solutions designed to suit every kind of customer. Whether you’re looking to insure a two-wheeler or a four-wheeler, you can easily explore our offerings online and get insured within minutes. Our customizable add-on covers allow you to tailor your plan as per your needs. For fast and all-round protection, opt for our comprehensive motor insurance — combining own-damage and third-party coverage in one smart policy.
Start your motor insurance journey today with Tata AIG Insurance !
Types of Motor Insurance
Why Choose Tata AIG SME InsuranceThrough Amba Insurance Services?
At Amba Insurance Services, we help you connect with leading insurance providers like Tata AIG for reliable and comprehensive small and medium enterprise (SME) coverage. Here’s why businesses trust Tata AIG — and why Amba Insurance is your perfect referral partner:
1. A Legacy You Can Trust
3.Dedicated to Performance
2.You Are Our Priority
4.High Claim Settlement Ratio
We Have the Right Plans to Protect Your Vehicle from All Kinds of Risk
At Amba Insurance, we offer expertly crafted motor insurance plans designed to shield your vehicle from all kinds of threats — be it accidents, theft, natural disasters, or third-party liabilities.
Drive stress-free, knowing you’re protected by the best.
Explore your options today at TATA AIG- MOTOR INSURANCE
Benefits of Buying or Renewing Vehicle Insurance Online
With Amba Insurance, buying or renewing your motor insurance is fast, simple, and secure. Our online platform is designed to give you maximum convenience while offering the same trusted protection. Here’s why choosing to go digital with us is the smarter option:
Quick and Hassle-Free Process
No more paperwork or long queues! Purchase or renew your motor insurance from the comfort of your home in just a few clicks at Amba Insurance Services.
Instant Policy Issuance
Once your payment is processed, your policy document is instantly generated and sent directly to your email — ready for use whenever needed.
Compare Plans & Save More
Easily compare different motor insurance options, coverage types, and premium rates to choose the best plan that suits your needs and budget.
24x7 Access to Services
Whether it’s buying, renewing, downloading your policy, or raising a claim — everything can be done anytime, anywhere through our online portal.
No Claim Bonus Safe & Secure Payments
Our platform ensures all transactions are encrypted and secure, so you can make premium payments with complete confidence.
Seamless Policy Renewal Reminders
Stay covered at all times. We send timely reminders so you never miss a renewal date — ensuring continuous protection for your vehicle.
What’s Not Covered in Amba Motor Insurance?
At Amba Insurance, we aim to provide comprehensive protection for your vehicle, but there are certain situations where our motor insurance policies do not offer coverage. Here’s a list of general exclusions you should be aware of:
- Driving Without a Valid License
Any damages sustained while driving without a proper and valid driver’s license are not covered. - Use Outside India
If the vehicle is taken or used outside the geographical limits of India, the policy will not apply. - Driving Under the Influence
Accidents or damages caused while driving under the influence of alcohol or drugs are excluded. - Regular Wear and Tear
Damages arising from ordinary wear and tear or depreciation due to age and usage are not covered. - General Maintenance Costs
Routine maintenance expenses, such as oil changes or tire replacements, are not included under coverage. - Driver Negligence
Any loss or damage caused due to intentional or reckless negligence on the part of the driver is excluded. - Commercial Use of Private Vehicles
Using a privately insured vehicle for commercial purposes will result in exclusion from coverage. - Racing or Illegal Testing
Damages resulting from speed racing, crash testing, or illegal stunts are not covered. - War or Nuclear Risks
Losses due to war, war-like situations, or nuclear events are excluded from the policy. - Unselected Add-Ons
Benefits of specific add-ons will not be applicable unless they are explicitly chosen and included in your policy. - Consumables Replacement
In case of consumables replacement (like oils, filters, etc.) due to wear and tear, only 50% of the cost may be reimbursed, as per policy terms.
How to Use the Amba Insurance Vehicle Insurance Calculator?
Your motor insurance premium depends on several factors, including your vehicle’s make and model, usage, and claim history. To get a better estimate of your premium, you can use our online vehicle insurance calculator by following these simple steps:
Enter Basic Vehicle Details
- Provide information like:
- Registration Number
- Vehicle Manufacturer
- Vehicle Model and Variant
- Year of Manufacture
- Any No Claim Bonus (NCB) you have
Settle on Your Insured Declared Value (IDV)
After entering your details, the calculator will estimate your vehicle’s IDV and suggest insurance plans with different add-on options. Each plan will show an estimated premium based on the coverage.
Choose Additional Covers
If the default plans don’t fully meet your needs, customise your insurance by selecting add-ons that increase your protection. These will affect your premium accordingly.
View Your Final Premium
Once you finalise the plan and add-ons, the calculator will display your estimated premium. Please note, the final premium may vary slightly based on the insurer’s policies, but this tool gives you a reliable estimate.
Visit tataaig.com to use the calculator and get started on protecting your vehicle today!
Features of a Motor Insurance Policy
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When you choose Amba Insurance for your motor insurance needs, you get more than just financial protection — you get peace of mind every time you’re on the road. Here are some of the key features of our motor insurance policies:
✅ Comprehensive Coverage
Get protection against a wide range of risks — from accidental damage and theft to fire and natural disasters. Our comprehensive plans ensure your vehicle stays secure in every situation.
✅ Third-Party Liability Cover
Legally required in India, this feature covers damages caused to another person, their vehicle, or property. You stay financially and legally protected from third-party claims.
✅ Own Damage Protection
Covers the cost of repairs or replacement if your vehicle is damaged due to an accident, natural calamity, fire, or theft.
✅ Personal Accident Cover
Offers financial compensation to the owner-driver in case of accidental injury or death, providing additional safety to you and your loved ones.
✅ Customizable Add-Ons
Enhance your policy with add-ons like zero depreciation cover, roadside assistance, engine protection, no-claim bonus protection, and more — all designed to give you extra value.
✅ Cashless Claim Facility
Enjoy hassle-free claims at a wide network of partner garages across India. With our cashless facility, you can get your vehicle repaired without paying upfront.
✅ Quick & Easy Renewal
Renew your motor insurance online through Amba Insurance Services in just a few clicks. No long queues, no paperwork.
✅ 24×7 Customer Support
Our dedicated customer service team is always here to assist you — whether it’s a query, claim assistance, or roadside help.
