Bajaj Allianz Comprehensive Bike Insurance

Bajaj Allianz Comprehensive Bike Insurance covers insured bike against third party liabilities, damages due to natural and man-made calamities or accidents.

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Bajaj Allianz Comprehensive Bike Insurance: An Overview

Riding a vehicle without valid motor insurance is a crime and punishable offence in India. The owner of a two-wheeler is liable to pay a heavy penalty, if he rides the vehicle without bike insurance. A comprehensive bike insurance Bajaj Allianz policy will provide a bike owner with an extensive coverage for any kind of unforeseen events. It is a combination of third-party liability insurance and own-damage cover.

Bajaj Allianz Comprehensive Bike Insurance Vs Third-Party Bike Insurance (Difference Table)

 

Comprehensive Bike Insurance

Third-Party Bike Insurance

Description in brief

Along with third-party liability insurance, a Comprehensive bike insurance policy covers own-damage cover. So, it provides complete coverage against all disasters and accidents.

It covers the damages caused by a two wheeler to a third-party, which is mandatory in India by Motor Vehicles Act, 1988.

Coverage Details

The two-wheeler will be covered against loss, damage, and theft. It also provides reimbursement against any damage caused to any affected individual, the insured two-wheeler, or any other vehicle or property. It provides extensive coverage for the two-wheeler.

Third-party liability bike insurance will protect the two wheeler owner only against any loss or damage to a third-party. It is a limited coverage policy.

Add-Ons

Add-ons such as a Zero-Depreciation Cover, Roadside Assistance, Consumable Cover, or Return to Invoice Cover can be added to the policy.

Typically, such policies provide only Personal Accident Cover.

Premium Cost

A comprehensive insurance policy premium is more than a third-party insurance policy due to an enhanced cover.

Third-party bike insurance policy is low cost. IRDA determines the premium of third-party liability insurance annually based on engine displacement,

Recommendation

In case one needs broad coverage for the two-wheeler along with add-ons.

If the two-wheeler is old or if it is not frequently driven.

Scope of Cover Under Bajaj Allianz Comprehensive Bike Insurance Plan

  • Own Damage

Any damage or loss by accident to a two-wheeler due to any of the following:

  • Fire, explosion, lightning, or vehicle self-ignition;
  • Theft or burglary;
  • Fire/shock damage due to earthquakes
  • Strike or riots;
  • Flood, typhoon, hurricane, storm, hailstorm, cyclone, frost, landslides etc.;
  • Any malicious act or external means;
  • Any terrorist activity;
  • Whilst in transit by road, rail, inland waterway, air or in lifts;
  • Third Party Liabilities

Any liability arising legally out of bodily injury to third parties and/or property damage caused due to an accident by the insured bike.

  • Personal Accident Cover

In case of the death of the owner-driver or his permanent total disability arising out of an accident while traveling on the two-wheeler, a specified Sum Insured shall be paid to the insured or the nominee.

Exclusions of Bajaj Allianz Comprehensive Bike Insurance Plan

The policy becomes null and void in case of the following situations:

  • A loss or damage arising out of the bike not being operated as per the policy specific usage limitations;
  • A loss or damage caused outside the geographical area;
  • Any consequential loss;
  • Any contractual liability claim;

Bajaj Allianz Comprehensive Bike Insurance Benefits

A comprehensive bike insurance plan Bajaj Allianz provides several benefits to two-wheeler owners:

  • Third-party Death & Injury: In case the two-wheeler meets with an accident and consequently, damages any property or injures a third person, fatally or otherwise, the costs arising out of the same will be covered under Bajaj Allianz Comprehensive Insurance Policy.
  • Protection against Damage Due to Accidents: A comprehensive insurance policy covers all expenses pertaining to restoring one’s two-wheeler to a working condition.
  • Protection against Injuries: In case the two-wheeler rider suffers injuries due to an accident, all medical expenses will be covered under Bajaj Allianz Comprehensive Bike Insurance.
  • Protection against Death: In case the two-wheeler rider dies due to an accident caused while riding it, Bajaj Allianz Comprehensive Bike Insurance Policy will ensure that the family members of the deceased are suitably compensated.

Bajaj Allianz Comprehensive Bike Insurance FAQs

Bajaj Allianz Comprehensive Bike Insurance Reviews & Ratings

4.5 / 5 (Based on 68 Reviews)
(Showing Newest 25 reviews)
Divyansh
Kanpur, August 18, 2021
Renewal process
I am using Bajaj Allianz two wheeler policy since 2 years which i bought from policy bazaar. i have done renewal from home itself. i had received calls from the policy bazaar as a reminder of renewal. policy bazaar served their best service to their customers. overall had a great experience.
Ish
Nagpur, August 18, 2021
easy to compare
after looking many sites, i came to Policy Bazaar website and finally i got my plan here. i was looking for two wheeler insurance in my budget. i liked Bajaj allianz two wheeler insurance plan.
Jasraj
Indore, August 18, 2021
hassle free experience
my experience with policy bazaar is great. from now i will buy my every plan from policy bazaar. i bought Bajaj allianz two wheeler plan for my bike. i liked their service. now I am planning to buy more plans from Policy Bazaar.
Sanjeev
Ayodhya, June 04, 2021
Customized plan
It is very easy to customize your two wheeler plan when buying through policybazaar. Their Bajaj Allianz plan was easy to understand, customize, and buy.
Prem
Gurgaon, June 04, 2021
Compare and buy
Policybazaar has an easy way to compare and buy policies. I did it for my bike insurance and finally settled with Bajaj Allianz two wheeler coverage. It was a good purchase and I am happy with it.
Santosh
Ata, June 04, 2021
Low premium
For low premiums, Bajaj Allianz two wheeler insurance offers good protection. I bought it online through policybazaar last year and also got extra discount. It is a good buy.
Pablo
Padra, September 18, 2020
Physical damage
My bajaj Allianz two wheeler insurance policy has secured me from various damages and the accidents and I took the plan from the website of the policybazaar. Great work team policybazaar.
Aahan
J.n.prasad, September 16, 2020
Benefits
I recently got the bajaj Allianz two wheeler insurance policy from the policybazaar and they have helped me a lot to get the best services and the plans. It was really nice to be associated with the policybazaar.
Atmajyoti
Yashwant Nagar, September 14, 2020
Best two wheeler plan
I have recently got the bajaj Allianz two wheeler insurance policy from the website of the policybazaar. I really like the plan and have got the best insurance policy from that website. Thank you so much team policybazaar.
Tapan
K.b.p. Pupri, June 30, 2020
Hassle free services
I would love to recommend this company to everyone who are planning to buy a insurance. A great place to get yourself insured.
Vikrant
Ahmednagar, June 29, 2020
Online renewal
The renewal process of policybazaar is easy. You just have to go to the my account and select your policy and just renew it.
Nargis
Ahmednagar, June 29, 2020
Get discounts
I got really good amount of discount when I got my two wheeler insured from policybazaar. I got the policy of Bajaj.
Vidhur
Kabi Surya Nagar, June 20, 2020
Quick and hassle free
The company provides the quick and hassle free services to its customers. Easy to choose and get your soft copy within an hour.
Mohan
Babutola, June 20, 2020
My account
For those who are the old customers they can login to my account for more hassle free services. And you can raise a complaint or query.
Dharmesh
Laitkynsew, June 20, 2020
Easy interface
The website and interface is quite easy to use. Even my dad can use it and can buy an insurance.
Aakash
Machantola, June 20, 2020
Repairing is fast
When your vehicle is damaged and you claim for it then immediately it is sent to the repair shop and the work get started.
Bhuvan
Machantola, June 20, 2020
Registered
Before claiming anything just make sure you are registered. It will be easy for you and for the company to understand the things.
Vinit
Machalisahar, June 20, 2020
Customer service
The backend team which is the support system of policybazaar is very good. They are always there to help the customer related to query or a complaint.
Meenal
Idukki, June 18, 2020
Premium rates
The premium rate of the policy differs to plan to plan. And this is great. All the plans are affordable.
Deepti
Nabapally, June 18, 2020
Zero depreciation
The zero depreciation facility is available in my two wheeler insurance plan. It is quite good and helpful
Kushal
Laitkynsew, June 18, 2020
Calculator option
I searched the two wheeler plan and got to know about policybazaar. They have a calculator system in which we will get to know about many years and the premium rate by entering the details. The option is good.
Arjun
Vadodara, June 18, 2020
Best company
Policybazaar is a good place to get your insurance done. They understand the need of the customer and prices are quite affordable.
Tarun
Udaipur, June 18, 2020
Claim assistance
The claim query was raised by me regarding the two wheeler insurance. And it was cleared out by them in a best way.
Dharmesh
Adalaj, May 19, 2020
EMI
I feel this is the good feature which has been introduced by them . The EMI option and now I can use it conveniently.
Sharad
Captainganj, May 11, 2020
Online comparison
When you get the option of online comparison at one place and also the best plans then what else you want. I am really grateful to get the plan from policybazaar.
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