Tata AIG Sapphire Plan – Complete Coverage, Add-ons & Exclusions
When it comes to protecting your car with comprehensive coverage, Tata AIG’s Sapphire Plan offers a strong combination of standard protection and valuable add-on covers. This plan is designed to safeguard both your vehicle and your convenience in times of unforeseen events like accidents, breakdowns, or damages.
Below, let’s understand the key add-ons included under the Tata AIG Sapphire Plan, along with their definitions, coverage details, and the detailed exclusions & conditions you must know before buying.
🚗 1. Consumable Expenses Cover
Coverage: Reimburses the cost of consumables such as engine oil, gearbox oil, lubricants, nuts and bolts, screws, washers, grease, AC gas, brake fluid, etc., which are replaced or refilled during accident-related repairs.
Typical exclusions: Normal wear & tear; consumables replaced during routine servicing (non-accident); consumables not related to an insured claim; claims lacking original bills/receipts.
🧾 2. Depreciation Reimbursement (Zero Depreciation)
Coverage: Reimburses depreciation on replaced parts so you receive higher indemnity for part replacements in a valid own-damage claim.
Typical exclusions & conditions: Mechanical/electrical breakdowns or failures due to wear & tear; total loss/constructive total loss where different wordings may apply; vehicle age limits (often up to 3–5 years depending on insurer wording); limited number of claims per policy year; parts excluded by wording.
🏨 3. Emergency Transport & Hotel Expense Cover
Coverage: Reasonable transport and hotel costs if your vehicle is rendered immobile due to an insured event while travelling away from home.
Typical exclusions & conditions: Non-insured events, travel/lodging beyond the monetary or day limit stated in policy, claims without supporting invoices, claims arising from routine mechanical breakdowns not caused by insured perils, incidents outside the policy’s geographical limits.
🔑 4. Key Replacement Cover
Coverage: Replacement costs for lost/stolen/damaged keys, and reprogramming costs if applicable.
Typical exclusions & conditions: Misplaced keys where no FIR or police report is filed (insurers commonly require an FIR for theft/loss); cosmetic accessories or non-key items; replacement due to negligence or loss during misuse; limits per claim; requirement to produce original receipts/invoices for replacement.
🎒 5. Loss of Personal Belongings Cover
Coverage: Loss or damage to personal items kept inside the insured vehicle due to theft or accident (subject to policy limits and conditions).
Typical exclusions & conditions: Cash, jewelry, mobile phones and high-value electronics are commonly excluded or have strict sub-limits; items left unattended in plain view; theft without evidence of forced entry; valuables carried for commercial purposes; claims without proof of ownership or bills.
🪞 6. Repair of Glass, Plastic, Fiber & Rubber Parts
Coverage: Repair or replacement of non-metallic body parts (bumpers, plastic trims, fiber panels, rubber seals) which otherwise attract heavy depreciation or pro-rata deductions.
Typical exclusions & conditions: Damage due to normal wear & tear, gradual deterioration, manufacturing defects; replacement where repair is possible may be restricted; some policies require use of authorized garages and original parts; may not cover vandalism in every case.
🆘 7. Roadside Assistance (RSA)
Coverage: 24x7 emergency services such as towing, battery jumpstart, fuel delivery, flat tyre change, minor on-spot repairs and arranging emergency transport.
Typical exclusions & conditions: Services outside the serviceable radius or geographical limits; more extensive repair costs beyond minor on-spot assistance; incidents resulting from illegal acts or driving under the influence; limited number of RSA calls per year; waiting/response time disclaimers.
🛞 8. Tyre Secure Cover
Coverage: Repair or replacement of tyres damaged due to insured events (puncture, burst, impact with potholes) including labour and wheel balancing where stated.
Typical exclusions & conditions: Normal wear & tear and aging of tyres; manufacturing defects or pre-existing defects; damage due to overloading, racing or reckless driving; tyres beyond the age/condition limit set by the insurer; off-road/racing use excluded unless specifically covered.
Detailed Exclusions — What Is Generally NOT Covered
The following exclusions are commonly found in Tata AIG motor policies and their add-ons. These are typical — always verify exact wording in your policy document.
- Wear & Tear / Gradual Deterioration: Mechanical or electrical breakdowns due to normal usage, aging, corrosion, rust, or poor maintenance are excluded.
- Neglect / Lack of Maintenance: Damage resulting from inadequate maintenance (e.g., engine seizing due to oil not topped up) is excluded — this also applies to Engine Secure add-on.
- Driving Under Influence / Invalid Licence: Claims arising when the vehicle is driven by an intoxicated driver or a person without a valid driving licence are excluded.
- War, Nuclear, Seizure & Civil Commotion: Damage due to war, nuclear risks, confiscation or seizure by authority, riots/strikes beyond insured peril clauses are excluded.
- Commercial Use & Unauthorized Use: Use of vehicle for hire, racing, or purposes outside declared use without endorsement—claims may be repudiated.
- Consequential Losses: Economic losses that are a consequence of the insured event (like loss of income, business losses) are not covered unless specifically included.
- Items Excluded from Personal Belongings: Cash, credit cards, jewelry, consumables, mobile phones or high-value electronics are often excluded or have low sub-limits.
- Tyres & Tubes due to Wear: Wear, tear or gradual deterioration of tyres—not covered under Tyre Secure.
- Claims Without Documentation: Lack of FIR (for theft/loss), missing original invoices, repair bills, or proof of ownership can lead to rejection of claims (common for key replacement and personal belongings).
- Geographical Limits: Any loss/damage occurring outside the policy’s stated geographical limits (e.g., outside India) are excluded.
- Policy Conditions Not Met: Failure to follow policy conditions (use of non-authorized garage when policy requires network garage for specific add-on claims) can void add-on benefits.
Add-On Specific Critical Exclusions (Quick Reference)
- Engine Secure: Excludes engine failure due to lack of maintenance, manufacturing defects, or gradual wear. Water ingress cover may be limited to specific circumstances (e.g., sudden accidental water ingress vs. driving through deep water knowingly).
- Depreciation Reimbursement: Limited by vehicle age (commonly up to 3–5 years), number of zero-depreciation claims allowed per year, and exclusions for certain parts.
- Key Replacement: Often requires FIR/police report for theft/loss; no cover for keys lost due to negligence without a report.
- Loss of Personal Belongings: High-value items often excluded; items left unattended or visible in the car may be excluded; strict proof of ownership required.
- Roadside Assistance: Does not usually cover cost of major repairs, spare parts or extended towing beyond specified limits; may limit number of assistances per policy year.
- Consumables: Only for consumables replaced as part of accident repairs — routine servicing or unrelated replacements are excluded.
- Tyre Secure: Manufacturing defects, normal wear, damages while racing or off-road use (unless stated) are excluded.
Practical Tips — Avoid Claim Rejection
- Read the exact add-on wordings and brochure — the insurer’s policy document prevails over summaries.
- Maintain the vehicle properly and follow service schedules — many engine/dep exclusions reference neglect.
- Always file an FIR for theft/loss of keys or belongings where required by policy wording.
- Use authorized/network garages when required by the add-on conditions and retain original bills & invoices.
- Check vehicle age limits and claim count limits for zero-depreciation or similar covers before buying.
- Confirm geographical limits and RSA service area for travel-related add-ons.
Conclusion
The Tata AIG Sapphire Plan provides several useful add-ons (Consumables, Depreciation Reimbursement, Engine Secure, Key Replacement, Personal Belongings, Glass/Plastic/Fibre/Rubber repair, Roadside Assistance and Tyre Secure). However, exclusions and conditions play a crucial role in determining whether a claim is payable. Always cross-check the official policy wording or the add-on wordings with Tata AIG before purchase or at claim time.
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