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 4000 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: 4000+

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
  • Kilometre 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 - Updated: 09 October 2020
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 113 Reviews)

Bajaj Allianz Car Insurance Reviews & Ratings

4.3 / 5 (Based on 113 Reviews)
(Showing Newest 25 reviews)
Saanvi
B.khajuripada, November 23, 2020
Third party insurance policy
I have taken the third party car insurance policy from the bajaj Allianz and it has been done from the policybazaar. Thank you so much team policybazaar.
Aviraj
H D Kote, November 20, 2020
Types of plans
I really like the car insurance plans of the bajaj Allianz and I took it from the policybazaar website. I found it much interesting in nature. Thank you team policybazaar.
Ritvik
Baarod, November 19, 2020
Car plans
I have taken the bajaj Allianz car insurance policy from the policybazaar. It is really wonderful and I really loved it. Thank you so much team policybazaar.
Viraj
Fakirpur, November 18, 2020
Good range
The range of the bajaj Allianz car insurance policy I ultimate and best and I bought it through the website of the policybazaar. It is very much cost-effective in nature and thank you policybazaar.
Hiresh
Fakirsahi, November 17, 2020
Best plans
I have recently took the bajaj Allianz car insurance policy from the policybazaar and it is really amazing plan to get the best car plan. Thank you team policybazaar.
Leena
Kochi, August 27, 2020
Personal accident cover
I got my car insurance policy from the website of the policybazaar and it was really nice. I got the personal accident cover from my insurance provider company so that it can enhance my policy and bring the best part into the same. Thank you so much bajaj Allianz.
Latika
Aallapalli, August 27, 2020
Network garages
One of the best thing I got to know about bajaj Allianz is that you can go to any of the network garages all over the India. So, bajaj Allianz have several associations with the network garages available. It is a nice thing and you can connect with the bajaj allianz customer care team and can connect with the network garage for repair work. Thank you so much team bajaj Allianz.
Dhwani
K.singpur, August 26, 2020
Flexibility in the car plan
I recently got the car insurance policy from the bajaj Allianz. It is one of the good and best plan which is available in the market. It has enhanced my car’s protection with less amount of premium rates and the amount. You can easily customize your plan by adding the add on benefits and the covers. Thank you team bajaj Allianz.
Dhruvi
Adaspur, August 26, 2020
Best value plan
One of my friend suggested me to get the car insurance policy from the bajaj Allianz. It is one of the best company I found and I am thankful to my friend who suggested me about this company. I found it very useful and the plans which are available in the website are very nice. Thank you bajaj Allianz.
Arun
Tajapur, August 21, 2020
Comprehensive insurance policy
I have taken the car insurance comprehensive policy from the bajaj Allianz insurance company. It is a good company which helps in giving the better protection and coverage to my car. I really like the company work and the services they give to all. Thank you bajaj Allianz car insurance.
Krishan
Dabugam, July 23, 2020
Online policy
It is very easy to buy the car insurance policy when you are planning to take the policy online. I bought it from the website of the policybazaar and it was the plan of bajaj Allianz. It is much easy to buy and save yourself from further hindrances. Keep it up team.
Ashna
Vadali, July 23, 2020
Online policy purchase
I got my car insurance policy online and it was very much easy. I got to know about policybazaar from my friend and from that website I bought the bajaj Allianz car insurance policy. It was very easy and hassle free for me. Thank you.
Naveen
H D Kote, July 22, 2020
Add on covers
Along with the car insurance policy which I have purchased from bajaj Allianz I have also took the additional covers so that it can make my car’s life more protective and better. I really like the car plan and would definitely tell people to get the same. Thank you team.
Imad
Baarod, July 22, 2020
Add on covers
I got the car insurance policy from bajaj Allianz. Along with that I researched on the policybazaar website. I added some of the additional benefits which can be beneficial for my car. I got the additional benefits of jumpstart battery coverage. That is quite nice.
Nivedita
Udagamandalam, July 21, 2020
Social media support
I am much happy to get the social media assistance and support from policybazaar and bajaj Allianz. So, I was facing some renewal issue – a tech issue and it will resolved in few minutes as I complaint on social media. It was very quick and best. Thanks to policybazaar and bajaj Allianz.
Deep
Hagaribommanahalli, July 21, 2020
Claim is done easily
I got my claim from bajaj Allianz and it was easily done. I met with an accident and my car was damaged. I contacted the customer care of policybazaar and bajaj Allianz. My car was sent to the nearest workshop and was repaired on time. Also, I got my claim amount into my bank account in next 4 days. Quick work.
Adhir
Farenda, July 20, 2020
Valuable car plans
I bought the one of the finest and valuable cover for my car. It is a good plan which helps in facing the legal and monetary damages. It provides me with the roadside assistance and a personal accident coverage which comes under the additional covers. A great value to your car and to your life. Wonderful work bajaj Allianz.
Tina
Hagaribommanahalli, July 20, 2020
Roadside assistance
I got the car insurance policy from policybazaar and it was of bajaj Allianz. Along with that I added some add on benefits too so that I can make my car insurance plan more effective and protective. I added a roadside assistance and personal accident coverage. Great team, thanks a lot.
Dinkar
Aul, July 17, 2020
Third party insurance cover
I recently covered my car with the third party insurance policy of the company bajaj Allianz. I have taken the policy from the policybazaar website. It is a nice policy. It will covers the liability of my damages and my third party damages too. A great cover which is suitable for everyone. Thank you team.
Anuj
Gadag, July 17, 2020
Third party insurance policy
I got my third party insurance policy from Bajaj Allianz. The company is great and have a good brand value. I purchased third party as it carries more and better safety features. It helps in giving the claim to me as well as the person with whom my accident would take place. It is a win- win situation and I really like this plan. Thanks a lot team.
Dinesh
Ikauna, June 19, 2020
Helps in maintaining legal and financial
The car insurance policy is very much important as well as it helps us in maintain our legal as well as financial damages. I really like my car insurance plan from cholamandalam and it is certainly very nice. At the time of accident it helps to maintain the financial burdens by getting the claim facilities.
Lalit
Odhav, June 19, 2020
Customer focused company
The bharti axa and the policybazaar is such company who supports its customers a lot. They are basically customer centric company who helps their customer and treat them properly. I was having a problem in my policy document of car insurance and they immediately helped me in correcting it. Quick and swift work.
Kashis
Kachchh, June 19, 2020
Prevent from financial losses
Buying a car insurance is all about preventing yourself from monetary losses. It handles the financial and legal burdens which can arise probably from any accident or any problem could occur. If you met with an accident then it will bear all your damages and losses financial burdens. I got my safety shield from Bharti axa and I would like to thank them for such beautiful plan.
Bhavin
Yeleswarm, June 19, 2020
Check status via mobile application
It is really simple to check the status of your policy online. I recently bought a car insurance plan from policybazaar and I downloaded the application so that I can check the status. Along with that I can renew my policy. If I have some queries and complaints I can raise those things via mobile application My Account. Everything is given in that application and you really don’t have to worry. Great work.
Urvashi
Kadamtala, June 19, 2020
Transfer of No Claim bonus
I am an old customer of policybazaar as well as bharti axa and renew my policy every year. So I really like their services and followed this company only. I never claimed for any claim for my car insurance. So I transfer my no claim bonus from last 2 years. It is easy as I call the customer care of bharti axa and told them to transfer the same and process gets started. I save a lot and thus I am a very happy customer.