Bajaj Allianz Car Insurance

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Bajaj Allianz Car Insurance
  • 4000 Cashless garages

  • 98.5% Claim settlement ratio

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      Bajaj Allianz Car Insurance

      Bajaj Allianz car insurance allows you to cover your four-wheeler in case of unforeseen emergencies like accidents, theft, fire and more. This policy by Bajaj Allianz General Insurance Company offers customised insurance solutions along with a customer-oriented approach.

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      About Bajaj Allianz General Insurance Company

      Bajaj Allianz General Insurance Co. Ltd is a joint venture between Bajaj Finserv Limited and the world's leading insurer, Allianz SE. Bajaj Allianz car insurance has a presence in different cities across India. The insurer is known to provide pan India service to its customers along with digitally-enabled car insurance purchase and renewal.

      Bajaj Allianz General Insurance Company has been a leader in the motor insurance market with world-class products, efficient service, and after-sales support. The company has been offering various types of economical insurance plans to car owners in India.

      Key Features of Bajaj Allianz Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 98.5%
      Personal Accident Insurance Up to 15 Lakhs
      Network Garages 4,000
      No Claim Bonus Yes
      No. of Zero Dep Claims 2
      No. of Comprehensive Claims Unlimited

      Benefits of Bajaj Allianz Car Insurance Plans

      The features and benefits of Bajaj Allianz motor insurance plans are listed below:

      • Policyholders can avail an Early Bird discount if they purchase or renew their policy from Policybazaar.com. This discount is only valid for a limited period.
      • Car repairing assistance at 4000 network garages where a policyholder can get cashless claim settlement
      • Tracking and monitoring of the vehicle with Bajaj Allianz Drive Smart Service.
      • A policyholder can also transfer his/her No-Claim Bonus from a previous motor insurance policy to Bajaj car insurance.
      • Bajaj Allianz car insurance plans also offer Personal Accident Cover to the policyholders.

      Types of Bajaj Allianz Car Insurance Policy

      The Bajaj Allianz General Insurance Co. Ltd issues three types of car insurance plans that are described below:

      1. Third-Party Car Insurance Policy

        A third-party liability-only plan by Bajaj Allianz General Insurance Company covers a policyholder against third-party property damage, bodily injury and death of the third party. This policy excludes covering damages sustained by the insured car.

        The coverage offered in case of third-party property damage is limited to up to Rs. 7.5 Lakh, while for death, the compensation can be unlimited.

      2. Standalone Own Damage Insurance Policy

        Bajaj Allianz Standalone Own Damage motor insurance plan covers the insured car against damages arising due to unanticipated events like a road accident, theft, fire, natural calamities, etc. A policyholder can opt for a standalone car insurance plan along with an existing third-party liability plan.

      3. Package Car Insurance

        A package or comprehensive car insurance policy offers protection to the insured car against theft, collision and accidental damage. It also includes damages resulting from fire, earthquake, floods, etc. It also covers accidental third-party liabilities due to the insured vehicle.

        A comprehensive car insurance policy can also be enhanced by purchasing add-on covers at an extra premium.

      Bajaj Allianz Car Insurance Premium Calculator

      Using the Bajaj Allianz car insurance premium calculator, you can easily get the estimated amount of insurance premium charged for your preferred car insurance policy. It is advisable to use this tool before zeroing down on a car insurance plan. This will give you a fair idea about the premium that you will pay.

      Coverage Under Bajaj Allianz Car Insurance

      • Man Made Calamities: Loss or damage to the insured car resulting from manmade calamities such as strikes, riots, etc.
      • Natural Calamities: Damages resulting from floods, earthquakes, cyclones, hurricanes, inundation, landslides, etc. are covered under your car insurance plan.
      • Third-Party Legal Liability: Any legal liabilities arising due to accidental loss or damage caused to third-party property, vehicle or person, including accidental death or injuries.
      • Theft: Damages sustained by the insured car due to theft, housebreaking or burglary.
      • In-transit Damages: Any car damage that has taken place while in transit by rail, road, air, inland waterway, lift or elevator.
      • Fire: Damages to the insured car due to fire, explosion, self-ignition and lightning are also covered in the Bajaj Allianz car insurance plan.
      • Contractual Liability: Claims arising out of contractual liabilities involving the insured car are not covered under the Bajaj Allianz vehicle insurance plan.
      • Consequential Losses: The insurance company will not cover any consequential loss of the car under its car insurance plans.
      • Depreciation: Regular wear and tear resulting in the depreciation of car body parts are also excluded.
      • Drunk Driving: Damages sustained by the insured car if the driver was under the influence of alcohol are not covered.
      • Invalid Driving Licence: No cover will be provided if the driver was driving without a valid driving licence.
      • Breakdown: Damages arising due to mechanical or electrical breakdown of the car are not covered.
      • Used for Other Purpose: If a private insured car is being used for commercial purposes, the damages sustained will not be covered.

      Bajaj Allianz Car Insurance: Add-ons
      Personal Baggage Cover

      In the event of any loss or damage caused to the personal belongings that are kept in the car, the Personal Belongings cover will reimburse the losses incurred.

      By purchasing this add-on, you can get compensated for loss of personal belongings like laptop, cellphones, vehicle documents, etc., present in the insured car.

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      24x7 Spot Assistance

      Under roadside assistance cover, emergency roadside assistance is provided to insured cars all over India.

      It includes assistance in the event of car battery damage, flat tire, breakdown due to an accident and similar circumstances.

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      Pay as You Consume Cover

      Under the Bajaj Pay as you consume cover, the insurer will offer a lower premium based on the chosen kilometre slab. Damages to the insured car will be covered only up to the chosen limit.

      The annual driving slab offered under this add-on includes 3,000, 5,000, 7500, 10,000, 12500 and 15,000 kilometres. If a policyholder is about to exceed the chosen limit, he/she can recharge by paying an additional amount

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      Lock And Key Replacement Cover

      If the car keys are lost or left inside the car, assistance will be provided to recover the same under key replacement add-on cover.

      The cost of new keys and locks are included under this add-on.

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      Consumables Expenses

      Under consumables add-on cover, the insurance company will compensate the expenses incurred in replacing or repairing the damages sustained by the car’s consumables.

      These include engine oil, coolant, brake oil, gearbox oil and other consumables.

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      Zero Depreciation Cover

      Under the zero depreciation add-on cover, the insurance company will compensate for the depreciation borne by the insured car during claim registration.

      Thus, in the event of a claim, a policyholder will receive the full value of the insured car and its spare parts.

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      Engine Protector Cover

      The Engine Protector add-on will cover the expenses incurred in replacing or repairing the engine of the insured car.

      Damages to the engine or gearbox due to oil leakage, water ingression, and more are covered under this add-on

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      View more Add-ons

      Explore add-ons for your car insurance

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      How to Renew a Bajaj Allianz Car Insurance Policy?

      Bajaj Allianz car insurance renewal can be easily done online. Take a look at the steps for Bajaj car insurance renewal online below:

      1. Visit the Car Insurance from the homepage on Policybazaar.com.
      2. Enter the car number on the given form and select “View Instant Quotes”
      3. Fill in the required details and select view prices
      4. Select the policy expiry date and previous claim details.
      5. From the mentioned plans, find the Bajaj Allianz car insurance plan you want to renew. You can also view policy details.
      6. Include the add-ons you want to add to your plan.
      7. Select the NCB discount of your existing policy
      8. Fill out the proposal form and verify the details.
      9. Once the details are verified, select summary and payment.
      10. After the premium verification, make a payment.
      11. As soon as the payment is received, your Bajaj Allianz car insurance renewal will be complete.
      12. Your Bajaj Allianz car insurance renewal online papers will be sent to you at your registered email.

      How to File a Claim Under Bajaj Allianz Car Insurance?

      You can file a claim under Bajaj Allianz car insurance by following these steps:

      1

      Inform the Insurer:

      Immediately inform Bajaj Allianz General Insurance Company about the incident so that they can register a claim as soon as possible. You can register the claim online, over email or by contacting their toll-free number.

      2

      Show Documents

      Fill out the claim registration form and upload all the required documents. Make sure to keep all the relevant documents handy.

      3

      Car Inspection

      Once the claim has been registered, a surveyor from Bajaj Allianz car insurance will inspect your car and estimate the damages incurred.

      4

      Claim Processed

      Once the inspection is done, the car will be repaired, and the Bajaj Allianz car insurance team will make the payment for the car damage repair to the bajaj network garage. If the repairs have been done at a non-network garage, you can pay the bill, and the insurance company will reimburse you for the repair amount later.

      Documents Required to Raise a Claim Under Bajaj Allianz Car Insurance

      Keep the following documents handy while registering a Bajaj car insurance claim-

      • Copy of Police FIR
      • Duly signed claim form
      • Proof of the car insurance policy
      • Copy of valid driving licence
      • Estimate bill for repairs
      • Repair bills and payment receipts
      • Copy of Registration Certificate
      • Claims discharge signed across a revenue stamp

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      FAQs

      • Q6. Can I transfer my No Claim Bonus (NCB) discount?

        Ans: Yes, you can transfer the NCB of your previous car insurance to your newly purchased Bajaj Allianz car insurance. Just inform the insurer about your NCB while buying/renewing the policy.
      • Q7. What is a No Claim Bonus in car insurance?

        Ans: No Claim Bonus is a reward granted to the policyholder for all claim-free years. It is a discount on the car insurance premium that is provided to the insured at the time of policy renewal. NCB can be accumulated up to 50% after five consecutive claim-free years.
      • Q8. Will I need any documents for Bajaj Allianz insurance renewal?

        Ans: No, you will not need any documents if you renew your Bajaj Allianz motor insurance policy online from Policybazaar.com. In case of an offline car insurance renewal, you may need to produce certain documents to the insurer or agent.
      • Q9. What do you mean by compulsory deductibles?

        Ans: Compulsory deductibles are the amount that the policyholder needs to pay from his/her own pocket during claim settlement. For instance, suppose a compulsory deductible of Rs 2,000 is applicable on all claims.
        In the event of an accident, if the cost of repair comes up to Rs. 10,000, then the insurance company will pay Rs. 8,000, and the remaining amount of Rs. 2,000, which is the deductible, will be paid by the policyholder.
      View more FAQ’s

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      Bajaj Allianz Car Insurance Reviews & Ratings

      4.4 / 5 (Based on 173 Reviews)
      (Showing Newest 10 reviews)
      Mahipal
      Nasik, February 18, 2024
      Easy to compare
      I chose Bajaj Allianz among the many plans offered by the different insurance companies on the website of Policybazaar because they were offering me a lot of of benefits and it was affordable for me. They provides the same good service in the online process as it gives in the offline process.
      Shamsher
      Jakhal, December 08, 2021
      Claim settlement
      Bajaj Allianz Insurance company has fulfilled all the promises which was made while buying the plan from Policybazaar. my car got repaired cashless with the help of my policy which i had taken from Policybazaar. i would love to recommend Policybazaar to everyone.
      Kannu
      Nagpur, November 10, 2021
      Great experience
      The services i have received from Policybazaar were efficient. i can avail so many benefits which i got at reasonable rate. process was easy and the response was very satisfactory. i had a great experience with Policybazaar while buying bajaj Allianz car insurance.
      Akshay
      Nagercoil, September 14, 2021
      Low premium
      I have insured my newly bought car by taking bajaj Allianz car insurance from Policybazaar. it offered high coverage and benefits to me under the plan. i have got several of benefits at low premium rate. i am happy and satisfied that i have taken my plan from PolicyBazaar.
      Lalita
      Hapur, September 13, 2021
      Low cost
      I was searching for car insurance and i wanted it at low cost. But i could not find the plan that provides good coverage at low cost. I consulted with some of my friends and most of them suggested me Policybazaar. I finally found an affordable car plan from Policybazaar.
      Naresh
      Bikaner, September 06, 2021
      customer support
      Policybazaar provides the best support to its customers and is always ready to help. Policybazaar provides 24*7 customer support. I am also a customer of Policybazaar for two years. I took car insurance from here and my experience with them was great.
      Keshav
      Akola, September 02, 2021
      Helpful staff
      I went to the policy Bazaar office. from here I got my car insured. i took bajal Allianz car insurance in which I did not face much trouble and took very less time to insure my car. The facilities of the company were good, the staff was very helpful.
      Jaydeep
      Latur, September 02, 2021
      Good guidance
      If someone wants to take a policy then they should try Policy Bazaar. You will get very good service from Policy Bazaar, like I got. the team guided me very well at every step and cleared all my doubts.
      Hina
      Dombivli, August 27, 2021
      Roadside assistance
      I have bought the Bajaj Allianz Car Insurance Plan policy from the market. There are different variants in the plan in which you can pick it up as per your choice. i have got cashless claim settlement feature, roadside assistance and many more features.
      Navesh
      Nashik, August 26, 2021
      Well trained staff
      I went to the policy Bazaar on the suggestion of my friend as I had to get the car insured. Their team is quite well trained and knowledgeable. They shared all the details with me and answered all my questions.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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