Tata AIG Pearl Plus Plan – Add-On Covers, Features & Exclusions
- ✓ Covers Consumable Expenses during accidental repairs
- ✓ Depreciation Reimbursement for full claim settlement
- ✓ Emergency Transport & Hotel Expenses cover
- ✓ Engine Secure protection against water or oil damage
- ✓ Key Replacement in case of loss or theft
- ✓ Loss of Personal Belongings protection
- ✓ Repair of Glass, Plastic, Fibre & Rubber Parts
- ✓ 24×7 Roadside Assistance (RSA)
The Tata AIG Pearl Plus Plan is an advanced motor insurance package designed to provide enhanced financial protection and convenience. It extends beyond a standard comprehensive policy by including valuable add-ons that ensure better claim settlements and support during emergencies.
1. Consumable Expenses
This add-on reimburses the cost of consumables like engine oil, brake oil, grease, coolant, filters, nuts, bolts, and other similar items required during repair after an insured accident. These costs are normally excluded in standard motor policies.
2. Depreciation Reimbursement (Zero Depreciation)
With this add-on, no depreciation is deducted on replaced parts like metal, plastic, or fibre during repairs. You get the full cost of parts replaced in a valid own damage claim, ensuring higher claim value and minimal personal expense.
3. Emergency Transport & Hotel Expense
If your car breaks down or becomes immobile due to an accident away from home, Tata AIG reimburses the cost of alternate transport and hotel accommodation, helping you continue your journey without major disruption.
4. Engine Secure
Provides protection for your vehicle’s internal engine parts, gearbox, and differential assembly from damage caused by water ingression or oil leakage following an accident or flood situation.
5. Key Replacement
Covers the cost of replacing lost or stolen car keys, key fobs, and reprogramming the immobilizer system. It ensures convenience and safety in case of key-related emergencies.
6. Loss of Personal Belongings
This cover reimburses the cost of personal items such as clothing, bags, or accessories stolen or damaged due to an accident involving the insured vehicle.
7. Repair of Glass, Plastic, Fibre & Rubber Parts
Covers the repair or replacement cost of non-metallic vehicle components such as windshields, plastic trims, rubber and fibre parts damaged in an insured event, helping reduce your financial burden during partial loss claims.
8. Roadside Assistance (RSA)
Provides round-the-clock support for towing, tyre replacement, battery jump-start, minor on-site repairs, and fuel delivery when your car breaks down unexpectedly, ensuring complete peace of mind.
Exclusions under Tata AIG Pearl Plus Plan
- ✗ Normal wear and tear, mechanical or electrical breakdowns not caused by an accident.
- ✗ Consumables used for routine servicing or maintenance are not covered.
- ✗ Damage caused by attempting to start a water-logged engine or negligent handling.
- ✗ Loss of keys due to carelessness or without lodging an FIR is not covered.
- ✗ Cash, jewellery, and electronic devices are excluded under personal belongings cover.
- ✗ Claims exceeding specified policy limits or frequency as per schedule are excluded.
- ✗ Repairs done at unauthorised garages may not be eligible under certain add-ons.
Conclusion
The Pearl Plus Plan from Tata AIG offers well-balanced protection through essential add-ons that enhance your claim benefits and road assistance experience. It is ideal for policyholders seeking extended coverage at a reasonable cost, ensuring both financial security and convenience in every situation.
Disclaimer: This is a general summary of Tata AIG Pearl Plus Car Insurance Add-On Covers. Actual terms, conditions, and exclusions are as per the official Tata AIG Add-On Wordings and policy documents.
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