Tata AIG Sapphire Plus Plan – Add-On Covers Explained & Key Exclusions
Introduction
When you choose Tata AIG’s “Sapphire Plus” motor insurance plan, you’re opting for a higher-level bundle of add-on covers that go beyond the standard comprehensive policy. These add-ons protect extra components or scenarios (tyres, engine, personal belongings, travel/hotel costs, etc.). Below we walk through each included add-on in the Sapphire Plus bundle, explain what each means, and then highlight major exclusions and tips.
What are Add-On Covers?
Add-on covers (riders) are optional extensions that broaden your motor insurance protection. They cover risks that a basic policy excludes or covers only partly, so they come with added premium.
Add-Ons in Sapphire Plus Plan
- 🔧 Consumable Expenses — Covers consumables like engine oil, coolants, nuts & bolts that aren't covered in standard claims.
- 💸 Depreciation Reimbursement — Works like Zero Dep; reimburses depreciation deduction on replaced parts.
- 🚑 Emergency Transport & Hotel Expenses — Covers towing/travel & hotel stay if stuck away from home.
- 🛠️ Engine Secure — Covers engine damage due to water ingression or oil leakage (specified reasons).
- 🔑 Key Replacement — Covers cost to replace lost or stolen keys/remotes.
- 🎒 Loss of Personal Belongings — Covers damage/theft of personal items in the car.
- 🔍 Glass/Plastic/Fibre & Rubber Parts — Covers damage to such parts which attract high depreciation.
- 🛟 Roadside Assistance — Towing, jump-start, tyre change, fuel delivery, on-road help.
- 🏁 Tyre Secure — Covers tyre damage — especially useful for premium tyres.
Summary Table – Included Add-Ons
| Add-On Cover | Included |
|---|---|
| Consumable Expenses | ✔ |
| Depreciation Reimbursement | ✔ |
| Emergency Transport & Hotel | ✔ |
| Engine Secure | ✔ |
| Key Replacement | ✔ |
| Loss of Personal Belongings | ✔ |
| Glass/Plastic/Fibre & Rubber | ✔ |
| Roadside Assistance | ✔ |
| Tyre Secure | ✔ |
Key Exclusions & Conditions
- Wear & tear, corrosion, mechanical failure not due to insured peril
- Driving without licence / under influence
- Illegal use or outside permitted geography
- Conditions like vehicle age, limits per year, network garage rules
- Belongings cover excludes unattended/unlocked cars
Tips for Buyers
- Read full policy & add-on wording
- Select add-ons based on your car & usage
- Check premium & NCB impact
- Repairs at authorised garages & original bills
- Check eligibility (vehicle age, claim history)
Conclusion
The Sapphire Plus bundle offers strong coverage for consumables, tyres, engine, keys, belongings, travelling issues, and roadside emergencies. It increases protection beyond a standard policy, but review terms and choose only add-ons relevant to your needs and vehicle type.
Disclaimer: This is a simplified understanding. Refer to Tata AIG official policy wording for detailed conditions.
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