Tata AIG Add On Plans - Gold Plan, Super Gold Plan, Pearl Plan, Pearl Plus, Pearl Plus Plus, Sapphire, Sapphire Plus, Sapphire Plus Plus, Coral, Platinum, and Emerald Plan

Introduction
The Tata AIG Coral Plan offers a smart and affordable combination of add-on covers to extend your vehicle’s protection beyond the standard comprehensive policy. It focuses on essential benefits such as depreciation reimbursement, roadside assistance, key replacement, and more — ensuring you stay protected against unexpected repair and travel expenses.

What are Add-On Covers?

Add-on covers are optional policy extensions that enhance the standard coverage by including items and events usually excluded from a basic motor policy. These add-ons help reduce out-of-pocket costs and offer peace of mind when your car faces accidental damage or breakdown.

Detailed Add-On Cover Descriptions

• Consumable Expenses
  Definition: Covers the cost of consumables such as engine oil, nuts, bolts, grease, brake fluid, and other small items used during repair after an accident.
  Why buy: Prevents small but frequent expenses from adding up during claim settlement.
• Depreciation Reimbursement (Zero Depreciation)
  Definition: Ensures that you receive full reimbursement for the cost of replaced parts without depreciation deductions.
  Why buy: Helps you get complete claim value for repaired or replaced components like plastic or fibre parts.
• Emergency Transport & Hotel Expense
  Definition: Covers the cost of travel and stay if your vehicle becomes immobile due to an accident or major breakdown.
  Why buy: Ideal for long trips or highway drives where alternate arrangements may be costly.
• Key Replacement
  Definition: Reimburses the cost of replacing lost or stolen vehicle keys, including reprogramming or lockset replacement where required.
  Why buy: Modern key fobs and smart keys are expensive — this add-on saves significant cost.
• Loss of Personal Belongings
  Definition: Covers loss or damage to personal items like clothing, bags, or accessories kept in the car during an accident or theft.
  Why buy: Provides added financial cover for personal possessions inside your car.
• Repair of Glass, Plastic, Fibre & Rubber Parts
  Definition: Covers repair or replacement of non-metal parts such as bumpers, plastic trims, and fibre components which otherwise attract heavy depreciation.
  Why buy: Keeps repair costs manageable for frequently damaged car parts.
• Roadside Assistance (RSA)
  Definition: Offers emergency services like towing, battery jump-start, on-spot repairs, and tyre replacement when your car breaks down on the road.
  Why buy: Ensures immediate help and safety during breakdown situations anywhere, anytime.

Quick Summary of Add-On Benefits ✅

• ✅ Covers small repair consumables like oil, bolts, and fluids.
• ✅ Zero depreciation ensures full settlement for replaced parts.
• ✅ Emergency travel & hotel cover ensures comfort during breakdowns.
• ✅ Key Replacement saves the cost of electronic or remote keys.
• ✅ Personal belongings cover protects items inside your vehicle.
• ✅ Glass, Plastic & Rubber cover limits non-metal repair bills.
• ✅ Roadside Assistance provides round-the-clock emergency help.

Key Exclusions & Conditions

• Wear and tear or mechanical breakdown not caused by an insured event.
• Driving under the influence of alcohol or drugs, or without a valid licence.
• Loss or damage outside the geographical coverage area.
• Unauthorized repairs done outside Tata AIG’s approved workshops.
• Loss of personal belongings excludes cash, jewellery, and electronics.
• Consumable and depreciation covers apply only to accident-related repairs.
• RSA services may vary depending on location and distance from service points.

Tips Before Buying Add-Ons

1. Choose based on need: Select add-ons relevant to your driving pattern and region.
2. Check limits and exclusions: Review each cover’s specific wording and restrictions.
3. Repair at authorized garages: This ensures quality service and smooth claim processing.
4. Review yearly: Add-ons can be adjusted at renewal based on your car’s age and usage.

Conclusion

The Tata AIG Coral Plan provides balanced protection with practical add-ons suited for most vehicle owners. It offers key covers like Zero Depreciation, RSA, and Key Replacement — making it a reliable mid-range choice that combines affordability with strong coverage features.

Disclaimer: The information provided here is for general understanding of Tata AIG Coral Plan features. For precise terms, limits, and exclusions, please refer to Tata AIG’s official policy wording and product brochure before purchase.