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  • Bajaj Allianz Two Wheeler Insurance

    Two Wheeler Insurance
    • Quotes for multiple insurers
    • Learn how to save on premium
    • Choose your own Insured Declared Value (IDV)

    Two-wheelers are abundant on the roads in our country and the chances of accidents are high. In many cases, people involved in an accident and liable to pay for damages claim they are from low backgrounds and cannot afford it. So the Government of India made it mandatory to have a basic third-party liability policy on all two wheeler vehicles. Bajaj Allianz offers two package policies with different tenures.

    Features And Benefits Of Bajaj Allianz Two Wheeler Insurance

    Policy Period 2-year/3-year 1-year
    Policy Types Long-term package policy Short-term package policy
    Policy Coverage
    • Loss or damage to own vehicle due to natural calamities
    • Loss or damage to own vehicle due to manmade calamities
    • Personal accident cover
    • Third-party liability
    • Normal wear and tear
    • Electrical or mechanical breakdown
    • Invalid driving licence
    • Use of vehicle for purposes other than limitations of use
    • Loss or damage due to war
    • Riding under the influence of alcohol or drugs
    Renewal frequency End of policy term Annual
    Available Add ons NA NA
    No Claim Benefit At the time of renewal As per tariff
    No Claim Benefit after Claim NCB is reduced NCB becomes nil
    Zero Depreciation Cover Available Available
    Refund Facility Proportional refund if the plan is cancelled mid-term and a claim has been made No refund if the plan is cancelled mid-term and a claim has been made
    Policy Expiration If your policy expires, the NCB is affected negatively, third-party liability cover ceases, cost of repairing your vehicle increases
    Network Garage Over 4,000 network garages across the country

    Reasons to Choose Bajaj Allianz Two-Wheeler Insurance

    When you opt for a two wheeler insurance policy from Bajaj Allianz, you stand to benefit from a number of value-added features.

    Instant Claims

    Get assistance from Bajaj Allianz and make instant claims through the 24x7 call center. You will also receive SMS updates on the status of your claim.

    Buy and Renew Online

    You can purchase a two-wheeler insurance policy easily online. You can also renew your policy in a few simple steps.

    NCB Transfer

    You can transfer up to 50% of you existing No Claim Bonus from any insurance provider when you opt for a policy from Bajaj Allianz.

    Customer Care

    Customers can reach out to the dedicated customer care helpline 24x7, even on holidays. The customer care will be able to provide support for claims and assistance in anything required from Bajaj Allianz.


    Bajaj Allianz provides hassle-free inspections with high service standards.

    Bike Insurance Plans Offered by Bajaj Allianz

    There are two plans on offer from Bajaj Allianz that cater to customers who need a two-wheeler insurance plan.

    3-year Long-Term Package Policy

    This plan has a tenure of 3 years and comes with additional benefits. During the policy term, there is no change in third-party premiums. At the time of renewal, the plan offers an additional NCB benefit. If you make a claim, the NCB reduces but does not become zero. If the policyholder wishes to cancel the plan, a proportional refund will be paid.

    1-year Package Policy

    This is a short-term plan that provides insurance coverage for your 2 wheeler. With this plan, the third-party premium increases upon every renewal. If you make a claim, then the No Claim Bonus will be reduced to zero. If you cancel the policy after making a claim, then no refund is payable.

    Coverage Offered Under Bajaj Allianz Two Wheeler Insurance

    • Loss or damage to own vehicle due to natural calamities

    If your vehicle is damaged or lost completely due to natural events, the insurance plan will pay out a benefit to cover expenses or losses. The natural calamities covered include self-ignition or lightning, fire, explosion, flood, typhoon, earthquake, storm, hurricane, tempest, inundation, hailstorm, cyclone, frost, landslide and rockslide.

    • Loss or damage to own vehicle due to manmade calamities

    The two wheeler insurance policy will also cover certain manmade disasters. These include theft, burglary, riot, strike, accident by external means, malicious act, terrorist activity, any damage in transit by air, rail, road, rail, inland waterway, lift, or elevator.

    • Personal accident cover

    The owner or driver will get an individual accident insurance cover for any injuries sustained while driving, travelling, mounting or dismounting the bike. The cover offered with this plan is Rs.1 lakh. Policyholders can also take additional cover for pillion riders and unnamed riders.

    • Third-party liability

    For any accidental damages caused to a third party, the insurance pays for any legal liabilities as per the provisions of the plan. The insurer will cover any expenses related to accidental death, permanent injury or damage to property of a third party.

    Exclusions In Bajaj Allianz Two Wheeler Insurance

    There are certain exclusions applicable under a bike insurance policy from Bajaj Allianz. Under these particular circumstances, the insurer will not be liable to pay any benefits to the policyholder.

    • Normal wear and tear of the vehicle including general ageing
    • Electrical or mechanical breakdown
    • Damage caused by a person riding without a valid driving licence
    • Damage caused by a person riding under the influence of alcohol or drugs
    • Vehicles used for purposes other than in accordance with the limitations of use
    • Loss or damage due to war, nuclear risk or mutiny
    • Accessories and consumables in the following cases:
      • Loss or damage to accessories of the vehicle due to burglary or theft of house, not including theft of the vehicle itself at the same time.
      • Wear and tear of tyres, tubes and other consumables, unless the vehicle is damaged at the same time. In this case the company will pay up to 50% of the replacement cost.

    Eligibility To Buy Bajaj Allianz Two Wheeler Insurance Online:

    There are certain aspects that any insurance company will check before handing out an insurance policy. The eligibility criteria differs between companies, and also between purchase and renewal. To avail a bike insurance policy, a few requirements need to be fulfilled by the vehicle owner.

    • Driver details - The person availing the policy should be of legal age to ride and have a valid licence.
    • Registration - The bike needs to be registered with a Regional Transport Office (RTO) in the country.
    • Fitness certificate - The vehicle might need a fitness certificate, especially if it’s an old bike.
    • Payment - Depending on the plan chosen, a premium amount will have to be paid to avail the policy.
    • Modifications - Modifications made to the vehicle might result in insurance companies being reluctant to provide insurance cover.
    • Inspection - Depending on the vehicle, an inspection by a representative of Bajaj Allianz might be required.

    Steps To Buy Bajaj Allianz Bike Insurance Policy Online:

    You can buy a two wheeler insurance policy from Bajaj Allianz easily online.

    • Log on to the Bajaj Allianz official website and opt for Motor Insurance
    • Click on “Buy or Renew Online”
    • You will be redirected to a page where you are given three options:
      • Other company renewal
      • Insurance for new vehicle
      • Renew Bajaj Allianz Policy
    • If you already have a policy from another company and wish to transfer to Bajaj Allianz, then choose “Other Company Renewal”
      • Enter your vehicle registration number, you name, mobile number and email address, and click on “Get A Quote”
      • If you are happy with the quote, you can proceed to purchase the plan
    • If you wish to buy a policy for a new vehicle, click on “Insurance for new vehicle”
      • Enter your name, mobile number and email address to get a quote.
      • If you are happy with the quote, then you can proceed to buy a new policy

    Once the premium payment is made, the policy will be issued immediately via email. A hard copy will be sent to your registered address within 7-10 days.

    Alternatively, customers can purchase a policy by contacting the customer care on 1800-209-0144 or by sending an email to websales@bajajallianz.co.in.

    How to make a Claim from Bajaj Allianz General Insurance

    If you need to make a claim on your bike insurance policy, you can follow the steps below:

    • Register your claim with Bajaj Allianz online or via customer care, or at a branch.
    • You can then send your vehicle for repair, if needed.
    • Submit your documents to the insurer for verification.
    • The insurance provider will verify your claim, and if approved, will settle the claim.

    If you are eligible for cashless claims, you need to get your vehicle repaired at a network garage. The garage and the insurance provider will deal with each other directly. You will not be required to pay for any repairs up to the extent that the policy covers. Bajaj Allianz will settle the bill with the garage. A list of network garages can be found on the Bajaj Allianz website.

    Renew Bajaj Allianz Two Wheeler Insurance Online In A Few Simple Steps

    If your insurance policy expires, it is not legal to ride on Indian roads as per the prevailing motor laws.

    • If you are riding with an expired insurance policy, it is punishable by law and you will be liable to pay a fine.
    • Apart from the legal standpoint, it is not safe to ride without a valid insurance policy.
    • If something were to happen, you could end up paying high costs in damages to your own vehicle and to third-parties involved, including any damages to surrounding property.

    To be safeguarded against these expenses, it is advisable to renew your policy on time and always have a valid insurance plan for your two wheeler. Furthermore, when you renew your policy on time, it is hassle-free and much simpler. Once the policy expires, renewal might require additional inspections and other information before the insurer is satisfied to give you a policy. You can renew your policy online in a few simple steps.

    • Simply log on to the Bajaj Allianz official website.
    • You need to provide your vehicle registration number and your current policy number.
    • You can then proceed to renew your policy.
    • Pay the premium amount and your new document will be issued.

    Alternatively, customers can renew their two wheeler insurance policy by contacting the customer care on 1800-209-0144 or by sending an email to websales@bajajallianz.co.in.

    Why Deductible Is important In A Bajaj Allianz Two Wheeler Insurance Plan?

    When you take an insurance plan, the insurer might give you an option to choose your deductibles. Deductibles are simply the amount you are willing to pay if anything were to happen to your vehicle. The insurer will pay the rest. For example, if you opt for a 10% deductible, then you will be liable to pay for 10% of the damages caused to your vehicle or a third party. The insurer will only pay 90% of the cost, to the extent of the sum assured.

    • A higher deductible will lower your premiums, but this will also mean that in case of an accident, you will be liable to pay a higher amount.
    • Choosing a lower deductible will increase your premiums, but at the time of claiming insurance, Bajaj Allianz will pay a higher amount.

    What To Do If Your Bajaj Allianz Bike Insurance Plan Expires?

    Bajaj Allianz will send regular reminders to renew your policy so that you do not miss the expiration date. You can also set renewal reminders on their website. However, if you have missed the renewal date and your policy has lapsed, there are a few things you can do to remedy the situation.

    • Contact Bajaj Allianz as soon as possible and seek advice as to how to go about renewing your policy. You can ask to talk to an expert through the official website, too.
    • There might be a grace period or a reinstatement period within which you can renew your policy without much hassle.
    • You can log on to the Bajaj Allianz official website and opt to renew your policy, and see the options they provide you with.
    • Insurance providers generally require an inspection of the vehicle before they can renew a lapsed policy.
    • You will need to pay the premium to renew the policy. Please note that if the insurer finds good reason, they can increase your premium payable.

    Bajaj Allianz Two Wheeler Insurance Customer Care Service:

    Bajaj Allianz provides a customer care service round the clock to address any grievances, claim settlements, queries and complaints that customers might have.

    BSNL - 1800-209-5858

    TATA - 1800-22-5858

    Bharti - 1800-102-5858

    Other - 020-30305858

    Email - customercare@bajajallianz.co.in

    Bajaj Allianz Two Wheeler Insurance Frequently Asked Questions

    1. If I want to sell my bike, can I transfer the insurance policy?

      Yes, this option is available with Bajaj Allianz. You need to hand over the relevant documents to the buyer, intimate Bajaj Allianz about the transfer, and also inform the RTO that you have sold the bike and transferred the insurance. Any NCB you have accumulated is not transferrable.

    2. What are the documents required for renewal of my two-wheeler insurance?

      You need your previous insurance copy and the registration certificate of the vehicle.

    3. What is Insured Declared Value? Is it important?

      The Insured Declared Value or IDV is basically the market value of your vehicle. When you purchase an insurance policy, the insurer will take into consideration the prevailing market value and then decide on the sum insured. IDV is important because if you choose a sum higher than the market value, you might end up paying higher premiums for no reason. If you choose a lower IDV, then your premiums come down but so will your insured amount.

    4. What is a No Claim Bonus?

      If you do not make any claims during the policy period, then upon renewal, the insurer will give you a No Claim Bonus. This bonus is given in the form of a discount on premiums. So if you have not claimed insurance, then when you renew your policy, your premium amount will be lesser. NCB accumulated by one person cannot be transferred to another person.

    5. Can I carry my insurance policy on my phone?

      Yes, you can get your insurance policy directly on your mobile phone by accessing the Bajaj Allianz mobile app - Insurance wallet.

    Two Wheeler Insurance Reviews

    • Bajaj Allianz Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My insurance agent have suggested Bajaj Allianz two wheeler policy, I have Hero honda splendor bike, cost of the vehicle was around Rs. 40000. Insurance company declared the policy cover was around Rs. 36,000 for the premium amount around Rs.1000. Bajaj Allianz is providing third party cover with no claim bonus.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 20, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Its Average"
      0.5 4.0/5 "Great!"
      First time I took two wheeler insurance from Bajaj Allianz, at the time of bike purchase. I paid the premium amount around Rs. 1900, they gave me the IDV value around Rs. 40,000. I have insured TVS Jupiter bike, but I am not sure about the benefit of the policy. But I could not reach their customer service immediately, it would be great if they are reachable.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Nice experience"
      0.5 4.0/5 "Great!"
      My two wheeler insurance is with Bajaj Allianz. The process was easy to buy this policy and fortunately since I had no claim till date, I have not used the services much. Overall it is good, it is easy to pay my premium and it is a competitive and it is reasonable too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      I took my two wheeler insurance at Bajaj Allianz in 2016 because they were giving me a good IDV value. This time it was not pretty good. That's why I got it from Reliance this time. The services are better with Bajaj as they sent me the hard copy and the response is also good when I approach them,
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Bajaj Allianz is overall good in the process and customer service. I have taken my two wheeler insurance and they provide good benefits and the coverage. The IDV is good and the premium is competitive. The customer services are prompt and they sent me the necessary details on time.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 12, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Can work on the services"
      0.5 3.5/5 "Pretty good"
      The process was hard in getting my two wheeler insurance done with Bajaj Allianz. They can work more on the customer services. The benefits and policy coverage is good, but the procedures was not that friendly when compared to others providers.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 10, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      My two wheeler insurance premium was high with Bajaj Allianz, however the coverage was same like Oriental Insurance. Bajaj gave me the IDV value around Rs. 50,000 it was second insurance, brand value is also good with road side assistance. It would be great if premium would be competitive.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 08, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Premium should be economical"
      0.5 3.0/5 "Satisfactory"
      Totally I have an experience of around 7 years with Bajaj Allianz for the two wheeler insurance, but suddenly last year they quoted high premium of around Rs. 1250 for the same Bajaj Pulsar bike. Hence I didn't avail it. Benefits are same like other companies. Even they provided no claim bonus around Rs. 40,000. Everything is good but it would be great if premium is in line with the market rate.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Need to work on the benefits"
      0.5 2.0/5 "Expected more"
      I earlier had my two wheeler insurance from Bajaj Allianz. I am not that happy with the services because when I tried to renew the same I got to realize that they have not given me the no claim bonus for the number of years I been having my insurance with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 04, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Looking for Better Service"
      0.5 2.0/5 "Expected more"
      I am not happy with Bajaj Alliance service, they didn't give me proper information about the two wheeler insurance benefit. At the time of activation they were collected lots of document for the process. But premium was low, I paid the amount around Rs.1500 however they didn't have third party damages cover. Hence I gone for renewal with HDFC Ergo.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Jan 03, 2018
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