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
Tata AIG’s Sapphire Plus Plus motor plan bundles a set of optional add-on covers that extend protection beyond the standard Own-Damage (OD) and Third-Party liability benefits. These add-ons help you reduce out-of-pocket expenses for specific events and components (tyres, engine, keys, consumables, etc.). Below you’ll find plain-language definitions for each add-on included in the Sapphire Plus Plus package, plus the key exclusions and practical tips when buying add-ons.

What are Add-On Covers?

Add-on covers (riders) are optional extensions to your base motor policy. They widen your protection scope by covering items/events normally excluded or only partially covered by the base policy. While they increase premium, they can save large expenses at claim time for the right buyer.

List of Add-Ons in Sapphire Plus Plus (with detailed definitions)

• Consumable Expenses
  Definition: Pays for small, routinely replaced items used during repair (engine oil, coolants, filters, lubricants, nuts & bolts, etc.) that are normally excluded from OD reimbursement.
  Why buy: Prevents small consumable bills from coming out of your pocket after a claim.
• Depreciation Reimbursement (Zero Depreciation)
  Definition: Reimburses the depreciation amount normally deducted for replaced parts — effectively allowing full replacement cost for specified parts without deduction for age/use.
  Why buy: Useful for new/premium cars or parts (plastic, rubber, fibre) where depreciation deductions are high. Note: may have limits by vehicle age or number of claims.
• Emergency Transport & Hotel Expenses
  Definition: Covers reasonable transport and hotel costs if your vehicle becomes unusable while travelling and you must arrange alternative transport or overnight stay.
  Why buy: Handy for long-distance travellers to avoid unexpected travel/stay costs after a breakdown or accident.
• Engine Secure
  Definition: Covers engine damage caused by specified insured perils (e.g., water ingress in certain circumstances, lubricant failure caused by insured peril). It is not a blanket cover for mechanical wear & tear or neglect.
  Why buy: Engine repairs are expensive — this add-on gives targeted protection for specific engine losses caused by insured events.
• Key Replacement
  Definition: Pays for replacement of lost/stolen car keys, including remote/immobilizer programming costs where covered.
  Why buy: Modern keys and remotes can be very costly to replace.
• Loss of Personal Belongings
  Definition: Covers loss or damage to personal items kept in the insured vehicle (e.g., laptop, bag) subject to policy limits and conditions.
  Why buy: Adds protection for belongings inside the car which are otherwise not indemnified under vehicle OD cover.
• Repair of Glass, Plastic, Fibre & Rubber
  Definition: Covers repair/replacement of non-metallic body parts such as bumpers, plastic trims, fibre parts and rubber items which otherwise attract heavy depreciation or limited cover.
  Why buy: Useful to avoid large bills for replacing non-metallic components that commonly sustain damage.
• Return to Invoice
  Definition: In case of total loss or theft (vehicle not recovered), pays the original invoice/purchase value (or an agreed replacement value) instead of the reduced Insured Declared Value (IDV).
  Why buy: Protects new car buyers from receiving a payout much lower than the original purchase price.
• Road Side Assistance
  Definition: Provides emergency on-road services such as towing, battery jump-start, fuel delivery, flat tyre change, and minor on-spot repairs.
  Why buy: Provides convenience and reduced downtime when you are stranded.
• Tyre Secure
  Definition: Covers damage to tyres resulting from insured events (punctures, bursts) and may cover replacement cost subject to terms.
  Why buy: Tyre replacement for premium models or frequent rough-road use can be costly — Tyre Secure reduces that risk.

Key Exclusions & Important Conditions

Even with add-ons, policies include exclusions and conditions. Key exclusions commonly seen include:

• Damage from wear & tear, gradual deterioration, corrosion, poor maintenance, or mechanical/electrical breakdowns not caused by an insured peril.
• Claims arising while the vehicle is driven without a valid licence or under influence of alcohol/drugs.
• Loss/damage due to war, nuclear risk, mutiny, seizure by government or other extraordinary events.
• Specific exclusions unique to each add-on — e.g., Engine Secure will exclude damage from lack of maintenance; Depreciation Reimbursement may be restricted by vehicle age or number of claims in a policy year.
• Geographical limits — claims arising outside the permitted geographic area are excluded.
• For Loss of Personal Belongings: limits per item, and exclusions where property is left in plain view or car was insecure in breach of policy conditions.

Practical Tips Before Buying Add-Ons

1. Read the Add-On Wordings: Always check the exact policy/add-on wording for limits, sub-limits, waiting periods and claim conditions.
2. Match Add-Ons to Use Case: If you travel long distances often, Emergency Transport & Hotel and Road Side Assistance are valuable. For new cars, consider Return to Invoice and Zero Depreciation.
3. Understand Impact on Premium & NCB: More add-ons = higher premium. Also check whether claiming an add-on affects your No Claim Bonus.
4. Authorized Garages & Bills: Some covers require repairs at authorized network garages and original bills for reimbursement.
5. Age & Claim Limits: Depreciation/zero-depreciation covers may be limited by vehicle age (commonly 3–5 years) or by the number of claims allowed in a policy year.

Conclusion

The Sapphire Plus Plus suite from Tata AIG offers a comprehensive range of add-ons which, when chosen thoughtfully, can save significant money and stress at claim time. However, they are not one-size-fits-all — evaluate based on your car’s age, model, driving pattern and budget. Always verify the latest policy and add-on wordings from Tata AIG before purchasing.

Note: This post explains typical add-on cover meanings and considerations for the Tata AIG Sapphire Plus Plus offering. For precise eligibility, limits, sub-limits and exclusions refer to the official Tata AIG add-on wordings and product brochure.