Bajaj Allianz Standalone Own Damage Car Insurance

Get Car Insurance starting at only ₹2,094/year #
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Bajaj Allianz Own Damage car insurance policy compensates a policyholder in case his/her car has met with an unforeseen incident. Damages arising out of theft, fire, road accident, or natural and manmade disasters are covered under this policy offered by the Bajaj Allianz General Insurance Company.

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  • 4000 Cashless garages

  • Claim assured certificate
  • 98.5% Claim settlement ratio

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#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
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      Key Features of Bajaj Allianz Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Offered
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Offered 
      Zero Depreciation cover Available
      PA Cover Upto 15 lakhs

      Coverage Under Bajaj Allianz Standalone Own Damage Car Insurance

      • Damages sustained by the insured car due to manmade acts like strikes, riots, etc
      • Losses arising out of theft, housebreaking or burglary of the insured vehicle
      • Any loss sustained by the car due to fire, explosion or self-ignition
      • Damages caused to the insured car due to earthquakes, cyclones or any other natural calamity are covered under the Standalone own damage policy
      • Damages arising out of road accidents or any other external means
      • Any damage sustained by the insured car while it was in transit is also included in OD cover.
      • Any third-party liability arising due to the insured car is not included in OD car insurance
      • Damages arising out of drunk driving or intoxication
      • Any accidental damage sustained by the insured car if the driver is driving without a valid DL
      • Damages sustained by the insured car outside the geographical limits as mentioned in the Bajaj Allianz OD cover.

      Add-ons Under Bajaj Allianz Standalone Own Damage Car Insurance

      A policyholder can also extend the coverage of his/her standalone OD cover by purchasing additional covers. These add-ons are offered by the insurance company by paying an additional premium amount. Following are the add-ons offered under the Bajaj Allianz OD motor insurance policy:

      • Zero Depreciation Cover
      • 24/7 Spot Assistance Cover
      • Engine Protector
      • Consumable Expenses Cover
      • Personal Baggage Cover
      • Conveyance Benefit 
      • Key and Lock Replacement Cover

      How to Buy Bajaj Allianz Standalone Own Damage Car Insurance Policy?

      Buying a Bajaj own damage car insurance online is a simple process. Follow the steps mentioned below to purchase an OD cover in just 5 minutes:

      • Visit Policybazaar.com and select the ‘Car Insurance’ tab from the homepage
      • Enter your car number or proceed without a car number
      • Select the details of your car such as RTO, make, model, variant, fuel type, and registration year on the next pages 
      • From the given comprehensive/standalone car insurance plans, select Bajaj own damage cover. Check all the policy details as well as the premium of the plan
      • Select the additional covers that you wish to add to your OD plan 
      • Now fill in the proposal form and pay the premium amount 
      • As soon as the payment is made, your Bajaj Allianz own damage car insurance policy documents will be mailed to you.

      Documents Required to Raise a Bajaj Allianz Standalone Own Damage Claim

      To raise a claim under a Bajaj Allianz OD cover, a policyholder will be required to inform the insurer and submit the following documents:

      • Duly filled and signed claim form
      • Copy of car insurance policy
      • KYC documents
      • Copy of car's Registration Certificate
      • Copy of the driving license of the driver driving the vehicle at the time of the accident
      • Repair Bills and estimates of repair

      FAQs

      • Q1. What is OD and TP in car insurance?

        Ans: OD in car insurance refers to the own damage policy which covers any damage sustained by the insured car due to unforeseen incidents. On the other hand, third-party or TP car insurance covers any third-party liabilities arising out of the insured car. It excludes covering own damages to the insured car.

      • Q2. Is own damage car insurance necessary?

        Ans: No, own damage car insurance is not mandatory as per the motor laws of India. This policy is optional and can be purchased along with the mandatory third party car insurance to cover own damages as well.

      • Q3. Does Bajaj Allianz own damage cover third-party liabilities?

        Ans: No. A Bajaj Allianz standalone own damage car policy does not cover third party liabilities. This policy only covers own damages sustained by the insured four-wheeler.

      • Q4. How is Own Damage cover different from comprehensive car insurance?

        Ans: As the name suggests own-damage car insurance only covers damages caused to the insured vehicle due to road accidents, fire, theft, calamities, etc. Whereas comprehensive four-wheeler insurance covers both third-party liabilities and damages sustained by the insured vehicle due to an uncertain event. Thus, a comprehensive car insurance policy offers broader coverage than an OD cover.

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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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