Bajaj Allianz Comprehensive Car Insurance

When you buy a car, it immediately becomes a cherished possession that is used for all-purpose travel. However, danger always lurks on the roads and they can cut your plans short. Accidents can occur when one is careless, negligent, or simply because it was unavoidable. Such a situation can set you back in terms of money and physical wellbeing.

To repair a car means spending money at each stage until it works like before. Hence, it is always more beneficial to choose comprehensive car insurance. One of the most popular car insurances in the market is the Bajaj Allianz Comprehensive Car Insurance. It provides multiple benefits and easy claim assistance to its policyholders.

Benefits of Bajaj Allianz Comprehensive Car Insurance Policy

Bajaj Allianz Comprehensive Car Insurance provides numerous advantages. The details are given below:

Own Damage Cover: This covers all motives for getting a car serviced. It can include reasons such as accidents, natural calamities, man-made disasters, and technical malfunctions, to name a few.
Third-Party Cover: This covers the third person who suffers in an accident between the policyholder and them.
Personal Accident Cover: One must always prepare for any eventuality, however unpleasant. Accidents can leave a person disabled for life. The personal accident cover takes care of that.
Mandated by Law: The Motor Vehicle Act makes it mandatory to have Third Party Cover. If one is taking that provision, it makes more sense to protect themselves too and go comprehensive.
Extra Benefits of Add-ons: Added benefits include zero-depreciation cover, breakdown assistance, conveyance benefits, to name a few. They cover the policyholder for more emergencies.
Extra Convenience: An insurance company takes care of contingencies like theft from a vehicle and provides spot services and online support.

Claim Process of Bajaj Allianz Comprehensive Car Insurance Policy

Bajaj Allianz Car Insurance has a robust claim process. Please follow the steps given below:

Register Claim: There are two ways in which one can register a claim. The online form is available on the website. Alternatively, one can also call the hotline number given there.

Keep the following details ready to register the claim:

Policyholder Contact Details
Car Engine and Chassis Serial Numbers
Date, Time, and Location of Accident
Description of Accident
Address for Inspection
Mileage Reading

Upon providing the above details, the insurer shall provide a Claim Reference number that may be used in further communication.

Vehicle Repair: One can bring the vehicle to a garage of their choice from the many approved garages that provide cashless facilities. In case of theft, inform the insurer and provide the Non-Traceable Report from the police after 90 days.
Claim Settlement: A surveyor will come and assess the damage and prepare a report. Accordingly, the insurer will settle. In the case of cashless settlements, the payment goes directly to the garage. There are other add-ons like Roadside assistance that can take care of minor claims much quicker. Similarly, there is a Motor On-The-Spot Service for small repairs.

Bajaj Allianz Comprehensive Car Insurance Policy FAQs

Q. What are the various types of car insurance?

Ans: There are comprehensive insurances that cover both the policyholder and third party. Third-party insurances cover only the latter.
Q. Can one insure a car online?

Ans: Yes. In fact, it is recommended because it is much easier.
Q. What are the various considerations before purchasing car insurance?

Ans: Check for the network garage numbers and locations, and claim settlement ratio primarily.
Q. Is there a fine for running an uninsured vehicle?

Ans: Yes, they can range from INR 2000-4000, along with a possible 3 months incarceration period.

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply. “Tax benefit is subject to changes in tax laws. Standard T&C apply.”