• Buy Bajaj Allianz Car Insurance Online - Check Plan Details & Reviews

    Car Insurance
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    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Founded in 2001, Bajaj Allianz is a private company that was formed following a joint venture between Bajaj Finserv Limited and Allianz. Bajaj Allianz offers products such as Health Insurance, Car Insurance, Travel Insurance, Home and Marine Insurance.

    Car Insurance Online from Bajaj Allianz

    Third-Party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 4000+
    Incurred Claim Ratio 2017-18 62.20%
    Net Earned Premium Rs.3662.67 crore
    Covers Provided
    • 24/7 Spot assistance
    • Lock & key replacement
    • Accident shield
    • Consumable expenses
    • Conveyance benefit
    • Personal baggage
    • Zero depreciation cover
    • No claim bonus
    Features
    • Wide range of covers
    • Easy renewals
    • All-round insurance plans
    • High service standards
    • Customer support
    • Unique vehicle tracking system
    Inclusions
    • Personal accident cover
    • Third-party liability
    • Loss due to man-made calamities
    • Loss due to natural calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general ageing of the car
    • Loss due to nuclear risks

     

    Features and benefits of Bajaj Allianz Car Insurance

    Listed below are some of the key features and benefits of availing a car insurance policy from Bajaj Allianz:

    • 24/7 customer support-Policyholders can contact the bajaj allianz customer support team at any time to resolve their queries, apply for a policy or apply for claims and settlements. SMS updates for claims support will keep you updated and in the loop. Helpline numbers are also reachable during weekends and holidays.
    • Vehicle tracking and monitoring device-An exclusive feature, this allows the policyholder to track the vehicle at any point of time, keep tabs on driving behaviour and pattern and also keep an eye on the engine and battery condition of the car.
    • Easy claim registration and settlement process- Bajaj Allianz is known to have a very good track record of claim settlement. It is an easy, stress-free process to register a claim and receive settlement.

    2 Easy Steps To Apply for Bajaj Allianz car insurance Online

    Listed below are the steps customers need to take to avail a car insurance from Bajaj Allianz:

    • Purchasing a Bajaj Allianz car insurance policy online is a simple and quick process. Log on to the website and fill in your personal details.
    • Once you decide to buy the policy, it is issued instantaneously and the policy document is sent to the buyer through email and courier.

    Types of car insurance policies offered by Bajaj Allianz

    Bajaj Allianz offers vehicle owners the choice between the liability-only car insurance and the comprehensive car insurance policy:

    • Liability-only insurance
    • The liability-only insurance is the basic third-party car insurance. This policy offers coverage to the third-party involved in the accident and comes with coverage for damages caused to the third-party vehicle. That said, with this insurance policy, the policyholder will have to cover expenses from his/her own pocket for damages caused to his/her car. The third-party insurance policy is mandatory as per the Motor Vehicles Act, 1988.

    • Comprehensive car insurance
    • The Bajaj Allianz comprehensive car insurance policy offers coverage for both the third-party and the policyholder. It covers damages caused to the vehicle and in addition, offers coverage if the car of the policyholder is damaged following a natural calamity, a fire, riot, strike or a terrorist activity or if the car is stolen. The policy also comes with the personal accident cover up to Rs.2 lakh, if the policyholder suffers from any bodily injury or disability following an accident. The personal accident cover also offers a payout to the dependent of the policyholder if he/she dies following an accident.

    Why Bajaj Allianz car insurance

    Hassle free claim settlement
    24/7 customer support
    Car tracking & monitoring
    High service standards
    24/7 roadside assistance

    Add-on covers on Bajaj Allianz car insurance

    Listed below are the add-on covers offered by Bajaj Allianz car insurance:

    • 24/7 spot assistance- With coverage across the country, Bajaj Allianz policy holders will have the facility of availing spot assistance at the time of an accident or breakdown at any time and anywhere. Legal assistance services will also be provided during accidents along with flat tyre repair, replacement, car battery jumpstart and other such emergencies.
    • Lock and key replacement- This add-on covers the cost of replacement of cars keys if they are lost or stolen. Apart from this, locks of the insured vehicle will also be repaired or replaced depending on the need.
    • Accident shield-In case of a serious bodily injury that may cause any kind of permanent disability, or an unfortunate event like death, compensation will be provided. This is also applicable for other passengers travelling in the car except the paid driver.
    • Cover for consumables-In case of damage to consumables such as the engine box, AC, gas oil, brake oil, power steering oil, engine oil, etc, the cost of replacement and repair will be covered by the insurance provider.
    • Conveyance benefit-Policyholders whose damaged car may be undergoing repair or maintenance work at a network garage after an accident, will be eligible for this benefit. A daily cash allowance for conveyance will be provided.
    • Personal baggage- The insured party will be protected if personal belongings lying in the car such as laptops, mobile phones etc are damaged or lost due to an unfortunate incident.
    • No claim bonus- You can transfer up to 50% of your no claim bonus amount from any other car insurance provider.

    Inclusions & Exclusions

    Inclusions Exclusions
    Theft or loss of keys Valid only in India
    Loss of personal belongings Accident due to intoxication
    Tyre damage Depreciation or consequential life
    NCB Mechanical or electrical breakdown
    Engine repair & replacement Wear & tear of consumables
    Roadside assistance If damage is caused by a person driving under the influence of alcohol
    Personal accident cover If damage is caused by a person driving without a valid license
    Third party liability Risks due to nuclear leaks, attacks, war

    Bajaj Allianz car insurance Cashless Garages

    With a strong and reliable network of more than 4000 network garages, Bajaj Allianz provides high quality cashless servicing to customers. To find the nearest garage in your city or locality log on to the website to view a comprehensive list of the details.

    Claim Process for Bajaj Allianz car insurance

    Be it a minor breakdown, theft, accident or fire, the process to file a claim is not complicated or lengthy. There are many ways to register a claim. The policyholder can either make a call to the 24/7 customer support team through the toll-free number or even file a claim online. If you choose to call the toll-free number, a customer care executive will be assigned to take you through the entire process of filing a claim. In case of an accident or a theft, it is advisable to file a police complaint as soon as possible. Also it is important to keep some basic details handy while making a claim. The following are the required information:

    Date/time of accident/theft/fire
    Policy number
    Location of accident/theft/fire etc
    Km reading
    Police complaint
    Engine and chassis number

    Cashless Claim Process for Bajaj Allianz car insurance

    Claims for cashless settlements can be availed at network garages across the country. Below is the procedure to file a cashless claim:

    • Inform the insurance provider
    • Once the first step is done, the surveyor will inspect the vehicle.
    • Provide required documents to the surveyor
    • Claim amount will be approved and the same will be communicated to the cashless network garage
    • Payment will be made by the insurance company to the cashless network garage.

    Reimbursement Claim Process for Bajaj Allianz car insurance

    • Inform the insurance provider
    • Provide required documents to the surveyor
    • Make payment to the garage directly and collect all bill records
    • Bills and payment receipts should be submitted for reimbursement.

    FAQs

    1. Why is it necessary to buy a car insurance policy?
    2. Apart from the fact that a third-party car insurance policy is mandatory as per the Motor Vehicles Act, 1988, a car insurance policy offers financial protection to the policyholder following an accident. The basic third-party insurance policy covers damages caused to the vehicle of the third-party while the comprehensive car insurance policy offers coverage for the policyholder as well as the third-party. It also offers compensation if the car is stolen or is damaged following a natural calamity, if it catches fire, or if it is damaged following a strike or a riot, etc.

    3. What exactly is consequential loss in car insurance?
    4. Once the policyholder raises a claim for coverage, the insurer will investigate the cause of the accident, damage to the car or the reason why the car has broken down. If the cause of the damage to the car is due to the fault of the driver or the policyholder, then this is deemed as consequential loss and the claim will be rejected by the insurer. Some instances of consequential losses are if the accident was caused because the driver was under the influence of drugs or alcohol, or if the driver attempts to drive the car through a water-logged area, leading to a hydrostatic lock and engine seizure.

    5. How is the claim amount decided by Bajaj Allianz?
    6. The claim amount is decided by the insurer based on the current market value of the car or the depreciation factor of the vehicle. The Insured Declared Value (IDV) is taken into consideration and based on this, the coverage for the damages caused to the vehicle are paid to the policyholder.

    7. How can I avail the benefit of the cashless claim settlement?
    8. The cashless claim settlement can be an option only if the policyholder gets the car repaired at a network garage of Bajaj Allianz following an accident. If so, the coverage for the damages is settled between the network garage and Bajaj Allianz. If the car is repaired at a garage that is not listed by Bajaj Allianz, then the policyholder will have to go for the reimbursement claim settlement. The coverage for the damages will be reimbursed following the submission of the bills and other relevant documents.

    9. Which is the most convenient method to buy a Bajaj Allianz car insurance policy?
    10. The most convenient method is to buy a car insurance policy from Bajaj Allianz online on their website. The policyholder can renew his/her policy online as well. The payment can be made via the policyholder’s debit card, credit card or net banking account.

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