Bajaj Allianz Car Insurance

Bajaj Allianz General Insurance Co. Ltd began its operations in 2001. It is a joint venture between Bajaj Finserv Limited and world's leading insurer Allianz SE. Bajaj Allianz car insurance has its presence in different cities across India. Bajaj Allianz car insurance claim payment ability has been recognized was recognized with iAAA rating by ICRA for 11 years consecutively. The insurer is known to provide PAN India service to its customers along with digitally-enabled processes.

The 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 insurance plans both in the Life Insurance category and General Insurance category.

Types of Bajaj Allianz Motor Insurance Policy

There are two types of car insurance policies that one can buy in India:

  • Comprehensive Car Insurance Policy

    A comprehensive car insurance policy offers protection to your car against theft, collision and accidental damage. It also includes damage resulting due to fire, earthquake, floods etc. It also covers third-party liability damage.

  • Third-Party Car Insurance Policy

    As per the Motor Vehicle’s Act, it is mandatory to buy a third-party liability car insurance policy. You can buy it for a single year or buy a multi-year plan.

Car insurance save up to 80

Bajaj Allianz Car Insurance Plans

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

  • Best Value Plan

    A basic Bajaj Allianz Car Insurance plan with the lowest cost of premium among all the variants. The plan covers basic Third Party Liability, Personal Accident coverage for owner or driver and 24*7 Roadside Assistance cover.

    Other optional covers include coverage for electrical accessories, coverage for non-electrical accessories, and Personal Accident cover for co-passenger, CNG Kit coverage, and Driver Cover.

    The customer can avail a No-Claim-Discount and can also opt for voluntary deductibles wherein the customer promises to pay a part of the claim from his own pocket before raising the claim to the company. This option helps in reducing the overall cost of the premium.

  • Standard Plan

    The plan offers regular coverage at a standard rate of premium. The Bajaj Allianz car Insurance plan provides basic Third Party Liability cover, Personal Accident coverage for the owner or driver and round-the-clock Roadside Assistance cover.
    Other optional covers include coverage for electrical accessories, coverage for non-electrical accessories, and Personal Accident cover for co-passengers, CNG Kit coverage, and Driver Cover.

    The No-Claim-Bonus can also be transferred from an existing policy held with another insurer up to a maximum of 50 percent.

  • Flexible Plan

    It offers enhanced protection to the vehicle with the premium amount tending to be on the higher side.

    The plan covers basic Third Party Liability, Personal Accident coverage for owner or driver, emergency Roadside Assistance cover, Depreciation Shield cover protecting the value of the car against depreciation and Engine Protector Cover that covers the engine of the car against damages.

    Other optional covers include coverage for electrical accessories, coverage for non-electrical accessories, and Personal Accident cover for co-passenger, CNG Kit coverage and Driver Cover. The No-Claim-Bonus can be availed by the customer and the limit is up to 50 percent.

    There is also a voluntary deductible option which can be chosen wherein the customer promises to pay a part of the claim from his own pocket before raising the claim to the company. This option goes towards lowering the cost of the premium paid by the customer.

Bajaj Allianz Car Insurance Plan Table

Parameters Best Value Standard Flexible
Premium Cost Low Basic Enhanced
PA-Cover for Owner/Driver Included Included Included
No-Claim- Discount Optional Optional Optional
Coverage Low Basic Enhanced
Basic Third Party Liability Cover Included Included Included
Depreciation Shield Not available Not available Available
Electrical Accessories Optional Optional Optional
Voluntary Deductibles Optional Not available Optional
Coverage for Non-Electrical accessories Optional Optional Optional
Premium for Own Damages Low Basic Enhanced
Driver Protection Optional Optional Optional
Engine Protector Not available Not available Available
Personal Accident Cover for co-riders Optional Optional Optional
24/7 Emergency Roadside Assistance Available Available Available
CNG Kit Coverage Optional Optional Optional

Features and Benefits of Bajaj Allianz Car Insurance Plans

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

  • Car repairing assistance in 1024 network garages where you can get cashless claim settlement
  • Option to choose 24x7 emergency roadside assistance, which is just a call away
  • 24x7 claim assistance through SMS, emails, and phone call, even on holidays
  • Track and monitor your vehicle with Bajaj Allianz Drive Smart Service
  • Transfer of no-claim bonus from previous policy (maximum up to 50%)
  • Option to choose zero depreciation to cover an add-on cover benefit
  • Avail motor on the spot service and conduct self-survey of your vehicle in case of vehicle breakdown or collision and get claim settlement on the spot
  • New customers or existing ones can avail lock and key replacement cover
  • Other add-on covers include Accident Shield, Conveyance Benefit and Consumable expenses and these can be added for increased protection

Bajaj Allianz Car Insurance (Features & Coverage & Benefits)

Features Coverage and Benefits
Third Party Coverage: Up to 7.5 L
Incurred claim ratio: 78.50%
Personal Accident Insurance: Yes
Network Workshops: 1024

Car Insurance Renewal

What's Covered Under Bajaj Allianz Car Insurance?

  • Loss or damage to the insured car resulting from man-made calamities - It covers the damage caused to the insured car due to the following reasons – theft, strike, terrorist activity, malicious act, burglary, and any damage that has taken place in transit by rail, road, air, inland waterway, lift or elevator.
  • Loss or damage caused to the car from any natural disaster - This includes damage resulting from self-ignition, fire, flood, earthquake, cyclone, hurricane, inundation, landslide etc.
  • 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.
  • Personal Accident Cover - In the event of an accidental death or permanent disabilities arising due to an accident, up to Rs. 15 Lakhs shall be reimbursed to the insured or the legal heirs of the policyholder. It can be extended on payment of additional premium for driver and co-passengers

Add-on Covers of Bajaj Allianz Car Insurance

To ensure coverage in the time of crisis, you can get the following add-on covers in your car insurance policy

  • Personal Baggage Cover - In the event of any loss or damage caused to the personal belongings that are kept in the car, then it shall be reimbursed as part of the Bajaj Allianz motor insurance policy.
  • 24x7 Roadside Assistance - Emergency roadside assistance is provided all over India to the insured member. It includes assistance in the event of car battery damage, flat tire, breakdown due to an accident and similar circumstances.
  • Jumpstart the Battery - If the battery of the insured vehicle runs down, Bajaj Allianz car insurance will arrange help to jump-start the engine, to help it reach the nearest workshop for further assistance.
  • Lock and Key Replacement Cover - If the car keys are lost or left inside the car, assistance will be provided to recover the same, which includes the cost of new keys and locks.
  • Expenses Incurred on Replacing/Replenishing the Consumables - The car insurance plan includes expenses incurred in replacing or repairing the engine oil, coolant, brake oil, gearbox oil, following an accident.
  • Personal Accident Cover - In the event of accidental death, bodily injuries or permanent disabilities caused to the occupants riding in the insured vehicle (other than a hired driver)
  • Conveyance benefit - If the insured car is getting repaired in a networking workshop after accidental damage, the policyholder will get 'per day' cash benefit, basis on the plan opted.

How to Renew Bajaj Allianz Car Insurance Policy via Policybazaar.com?

Bajaj Allianz car insurance renewal easily be renewed online and the steps to renew it online on Policybazaar’s are given below:

  • Go on the vehicle insurance online renewal option and fill the form
  • Submit details like – policy number, your name, registration number, chassis number, mobile number, email ID.
  • Once the form is submitted, you will view the best car insurance quotes
  • Choose your Bajaj Allianz car insurance plan and pay the premium
  • Once the payment is made, the policy will be renewed instantly.
  • You can download the Bajaj Allianz vehicle insurance policy document and you will also receive the PDF copy over email
Car Insurance Fines

How to Claim for Bajaj Allianz Car Insurance?

Whether there is a breakdown or accident, the Bajaj vehicle insurance claim procedure process is as follows - 

  • Claim Registration

    • In the event of an accident or theft of the insured car, immediately register a claim
    • You can register the claim online, over email or by contacting on their Toll-free number
    • Once connected Bajaj Allianz car insurance team will take you through the entire Car Insurance claim procedure
  • Send Your Car for Repair, If Required

    In the event of a car collision, vandalization, or accidental damage, take it to the nearest garage for repair or if it is immovable get it towed to a garage in your vicinity.

  • Claim Settlement Final Process

    • Provide all the copies of the documents to the registered workshop where your car is getting repaired and get all the document copies verified with the originals.
    • Once this is done, the Bajaj Allianz car insurance team will make the payment for the car damage repair to the network garage once it is completed.
    • All the excessive payments to be made by the policyholder including the salvage, depreciation amount, which will be informed to you by their assessor.
    • If the damage of your car can be repaired on the spot you can take on the spot Bajaj Allianz car insurance Mobile settlement service.

Documents Required to File Bajaj Allianz Car Insurance Claim?

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

  • Date and time of the accident
  • Car engine and chassis number
  • Vehicle inspection address
  • Location and description of the accident
  • Kilometer Reading
  • Copy of FIR in case of theft or police report in case of an accident

It is important to file a police complaint in case of theft, along with other required documents at the time of registering the claim.

Bajaj Allianz Car Insurance Premium Calculator

The premium for a Bajaj Allianz car insurance policy depends on a number of factors like IDV, i.e. Insured Declared Value of the car, the make and model of the car, year of purchase and registration, the city, etc.

Using Bajaj Allianz car insurance premium calculator, you can easily get the amount of insurance premium and entire car insurance quote. It is advisable to use this tool before zeroing down on a car insurance plan. This will give you a fair idea.

You simply need to click on the ‘Calculate Premium’ option, and choose if it a new or used car or if you are purchasing or renewing your policy -

With this tool calculating car insurance premium is just a matter of a few clicks. Here’s a quick rundown of the information that needs to be filled-

  • Your personal details – Name, E-mail ID, Age, Mobile Number, Address etc.
  • Car details such as car make, model, and registration date, fuel type, year of manufacture, etc.
  • Engine cubic capacity (cc)
  • Insurance for car accessories (if any)
  • For policy renewal, it is required that you submit car’s registration and current policy details.

On submission of details, you will receive the quotation.

Bajaj Allianz Car Insurance Customer Care

For any Bajaj vehicle insurance related claims, you can call their customer care number at 1800 209 5858.

Their Whatsapp service number is +91 75072 45858

You can also email them at bagichelp[@]bajajallianz[.]co[.]in

Bajaj Allianz Car Insurance - FAQs

  • 👉 Why should I buy a Bajaj Allianz car insurance policy?

    Ans: Life is uncertain. So, it is very necessary to be covered under the car insurance policy. It offers protection against three types of unfortunate events like third party liability, personal activity and damage to own car.
  • 👉 Can I purchase Bajaj Allianz Car Insurance policy online?

    Ans: Yes, Bajaj Allianz Car Insurance allows you to purchase car insurance online. It also provides you the different option of payment like Debit or Credit card, or Internet Banking.
  • 👉 How much coverage does Bajaj Allianz Car Insurance policy provide?

    Ans: The coverage offered by Bajaj Allianz Car Insurance depends on the IDV and the price of the car. You can easily purchase a Bajaj Allianz Car Insurance policy and file a claim on the company’s website.
  • 👉 Can I renew my existing Bajaj Allianz Car Insurance online?

    Ans: Yes, you can renew Bajaj Allianz Car Insurance online. All you need to do is log in with your username/email and password on the company’s website to proceed.
  • 👉 Can I renew my other Bajaj Allianz car insurance policy?

    Ans: Yes, Bajaj Insurance car insurance allows you to renew your other car insurance policy with Bajaj Allianz car insurance with different payment option such as Debit or Credit card, or Internet Banking.
  • 👉 What types of a car does Bajaj Allianz insure?

    Ans: You can purchase car insurance coverage for your new and used car from Bajaj Allianz car insurance.
  • 👉 What is the claim settlement procedure of Bajaj Allianz Car Insurance?

    Ans: Claim settlement procedure of Bajaj Allianz Car Insurance is very easy and quick. It only takes 3 business days to settle the claim. The company also promises to settle claims to settle all types of claims within 7 business days. It requires very few documents to process your claim, for example, the proof of policy document along with a duly filled claim form.
  • 👉 Does Bajaj Allianz car insurance offer any discount on purchasing or renewing car insurance policy?

    Ans: Yes, Bajaj Allianz car insurance offers 5% discount on own damage subject to the age between 35 and 45 years and 10% discount subject to the age between 46 and 65 years. It also offers 5% discount for policyholders who are on following positions; charted accountants, employees of state and central government, charted accountants, teachers in government schools, doctors in government hospitals.
  • 👉 Can I transfer my No Claim Bonus (NCB) discount?

    Ans: Yes, you can transfer NCB of your previous car insurance to the new one purchased from Bajaj Allianz car insurance. There are multiple other benefits that are offered under Bajaj Allianz Car Insurance.
  • 👉 Am I allowed to transfer my Liability-Only insurance to Bajaj Allianz car insurance?

    Ans: Yes, all you need to do is simply transfer your NCB of your previous car insurer to Bajaj Allianz car insurance. You will be able to enjoy all the benefits the same as you were enjoying with your previous insurance policy.
  • 👉 What is a comprehensive car insurance policy?

    Ans: It covers damages caused to your own car due to an accident, collision, natural calamity etc. In addition to your own damage, it also covers third-party legal liabilities in case of bodily injuries, damage, as well as property damage.
  • 👉 What is No-Claim-Bonus in car insurance?

    Ans: The insured is entitled to a no-claim-bonus for all the claim free years. It is the discount on the car insurance premium that is provided to the insured at the time of policy renewal.
  • 👉 Can I transfer my NCB when I switch my car insurance policy?

    Ans: No-claim bonus can be transferred while switching your car insurance provider. It depends on the number of claim free years, as it reflects positively on your driving record and car maintenance. No claim bonus is not applicable to third party damages.
  • 👉 What is zero depreciation in car insurance?

    Ans: Zero depreciation is provided in comprehensive car insurance. In case of an accidental damage or collision, the insurance company will compensate the entire cost without any deductions. One can buy it as an add-on cover at the time of policy purchase.
  • 👉 What is the significance of Insured Declared Value or IDV while calculating car insurance premium?

    Ans: It is the current market value of a vehicle that you get after deducting the depreciation on its parts. The registration cost of the vehicle is also excluded. The IDV of non-factor fitted parts is calculated separately.

    The IDV of a car with fitted accessories is to be calculated at the time of policy purchase or renewal on the basis of the selling price listed by the manufacturer of a particular brand and model. The depreciation is also adjusted on the basis of the car age as mentioned in the table below. It is applicable for claims arising out of total loss or constructive total loss only.

    Car Age Depreciation (%) For Fixing IDV
    Up to 6 months 5%
    6 months to 1 year 15%
    1 year to years 20%
    2 year to 3 years 30%
    3 to 4 years 40%
    4 to 5 years 50%
  • 👉 What do you mean by compulsory deductibles?

    Ans: It is the amount that the insured needs to pay from his/her own pocket. For instance, in the event of an accident, the cost of repair comes up to Rs. 10,000 then as mentioned in the documents, the insurance company will pay 8,000 and remaining amount i.e. the deductibles will be paid by the policyholder.
  • 👉 What is third-party car insurance policy?

    Ans: A third-party vehicle insurance policy is essential to buy for every car owner or driver. It pays the third-for bodily injury, damages, and property damages caused by the insured car.
Written By: PolicyBazaar
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 161 Reviews)

Bajaj Allianz Car Insurance Reviews & Ratings

4.3 / 5 (Based on 161 Reviews)
(Showing Newest 25 reviews)
Harish
J.n.prasad, April 30, 2021
Coverage for damages
I had taken a car insurance plan for my Hyundai i20 last year from policybazaar and it was of bajaj Allianz and it is a good plan. I have got the coverage for my car and it is a best protection coverage for my car. Thanks.
Umesh
Idar, April 26, 2021
Comprehensive plan
I choose the comprehensive car insurance policy from the policybazaar and the bajaj Allianz is the best plan. It helps in reducing down the damage and natural disasters financial burdens. Kudos team.
Mohan
Gadag, April 23, 2021
Choose best
I choose the best car insurance plan from bajaj Allianz. It is amazing plan which has so many coverage and profits. The policybazaar team is really good and suggested me the best plan.
Mahesh
Ichoda, April 06, 2021
Claim assistance
The claim assistance which has been given by the policybazaar and bajaj Allianz team is ultimate. I find it very good plan which I bought of bajaj Allianz. I bought this car insurance plan for my Hyundai Xing car.
Ritika
K.c. Pur, April 05, 2021
Personal accident coverage
I bought a bajaj Allianz car insurance plan for my Hinda city car and it was from the website of the policybazaar. It is the personal accident coverage which has made my car plan great. I have the personal accident coverage too which is fruitful.
Bhaumi
Fakirsahi, April 02, 2021
Keep a track on expenses
My expenses have been into a limit as when I bought the bajaj Allianz car insurance plan. It is wonderful plan which I bought and into my budget. Thanks.
Darshini
J.n.prasad, April 02, 2021
Roadside assistance
I got the bajaj Allianz car insurance plan from the policybazaar. It is one of the best plan which has given me the roadside assistance. I found this plan really useful and excellent. It is easy to buy a plan online and also get the roadside assistance. Good work team policybazaar.
Chanakshi
B.khajuripada, April 02, 2021
Low premium cost
The premium price of the bajaj Allianz car insurance plan is very good and cost-effective in nature. I bought this plan last year and have been continuing the same. I got to know about various benefits and facilities under the same. Thanks team.
Mahika
Dabhoi, March 30, 2021
Flexibility in the plan
With the best car insurance plan I have made my life simple and easier to live. I finally bought a car insurance plan of bajaj Allianz and the plan was suggested to me by policybazaar. I am quite happy with this plan as it is flexible in nature and have fulfil my car insurance needs.
Kiara
Udagamandalam, March 30, 2021
Third-party insurance plan
I recently bought a third-party insurance policy from the policybazaar and it was the plan of bajaj Allianz car insurance policy. I really loved it and found the plan much impressive. It has given the protection to me and my car and also with whom I can get in contact via accident. It will take care of the needs. Thanks team.
Salena
Ichoda, March 30, 2021
Customer-oriented company
The bajaj Allianz is nice company which helps in providing with best services and also helps in getting a great facilities. I found the plan into the website of the policybazaar for my Maruti ertiga car. It is one of the best customer-oriented company I have ever found. Great.
Pankaj
Udagamandalam, March 17, 2021
A great company
I have took a bajaj Allianz car insurance policy for Hyundai accident car and it is one of the best car insurance policy. With the help of the policybazaar I bought this plan. Great work by whole team of policybazaar.
Palak
Vadali, March 11, 2021
Great Support from Customer Care
After consulting their customer care team, they suggested Bajaj Allianz Insurance after ascertaining my car’s IDV. Even i found their vehicle insurance to be the best as per my needs. The representative took me through different car insurance plans and then I zeroed down on this one. The detailed discussion on the phone and online selection of insurance plans makes it all the more convenient. You can easily pay online through debit, credit card, and also do net banking.
Hardik
Baarod, March 11, 2021
Great Roadside assistance
I had taken Bajaj Allianz car insurance plan through policy bazaar’s website. It saved me from the hassle of comparing different car insurance plans from various insurance companies. Based on my car model, they suggested the best insurance plan. I am very happy with their roadside assistance feature!
Pooja
Vadali, March 09, 2021
Emergency Roadside Assistance
I bought Bajaj Allianz car insurance from Policybazaar with emergency roadside assistance cover. The insurer provided immediate help during the car breakdown in the middle of the road. They helped me with towing assistance, and change of flat tyre. Thank you!
Latika
Baarod, March 09, 2021
Zero Depreciation
I bought Bajaj Allianz car insurance with zero depreciation cover. At the time of claim the total cost of the loss to my car was paid by the insurer. The depreciation value of the damaged parts was not deducted at the time of claim, and with their ‘zero-dep’ policy I was able to claim the full amount.
Ishaan
Baarod, March 05, 2021
Easy to use website
It is really easy to use the website of policybazaar and I can search different car plans into the same. I really like the comparison platform. I am happy and satisfied.
Sameer
K.c. Pur, March 04, 2021
Excellent guidance
I have been got an excellent guidance from the customer care team of policybazaar regarding the car insurance policy which I bought. They suggested me bajaj Allianz car insurance for my maruti ertiga car. Keep it up team.
Pankaj
Laharpur, March 04, 2021
Feasible payment options
It is really feasible to pay for car insurance plan. I bought it from the website of the policybazaar and it was of bajaj Allianz. I made the payment online via the debit card. It was transparent in nature.
Pallav
P.s.murli, March 02, 2021
Network garages
With the help of policybazaar and bajaj Allianz car insurance my car was repaired easily and quickly. It was near to my home and I got my cashless claim too. Kudos policybazaar.
Amir
Tajapur, March 01, 2021
Get the best quotes
I got the best quote related to car insurance policy from the policybazaar and it was of bajaj Allianz. It was really nice and I compared various plans and quotes at one site. Quick and hassle free.
Sujoy
Dabhoi, February 25, 2021
Supportive team
The team of policybazaar and their customer care is much supportive in nature. I have got my hard copy on time of my car insurance. I just connected with the customer care of policybazaar and my concern was resolved. Thanks team.
Sanjeev
Ichoda, February 25, 2021
Renew it easily
It is really easy to renew the car insurance policy from the policybazaar. I renewed my car insurance from the mobile application of policybazaar. It is quick and easy. I have took some of the additional covers too under the same.
Balendra
Babhleshwar, February 23, 2021
Less time taking
With the digitalization buying a car insurance policy is easy and less time taking. I bought the car insurance policy for my Hyundai i10 from policybazaar and the plan was of bajaj Allianz. It is easy to buy and much hassle free. Thanks team.
Barkha
Baarod, February 22, 2021
Right place for car plan
I feel that I have took a right decision to get the bajaj Allianz car insurance policy. Policybazaar is the right place to get the insurance done for my car. I am really happy and satisfied.