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  • Bajaj Allianz Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    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
    Exclusions
    • 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.

    Inspection

    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.

    6.Can I cancel my two-wheeler insurance policy during the policy term?

    Yes, you can cancel your two-wheeler insurance policy during the policy term. However, given that all vehicle owners are mandatorily required to have at least a third-party liability insurance cover, it is likely that your motor insurance provider will require you to submit documents to prove that you have purchased another insurance policy for your vehicle or that your vehicle’s registration certificate has been canceled by the respective RTO.

    7.What are certain discounts I can avail on my two-wheeler insurance policy?

    Policyholders with comprehensive two-wheeler insurance policies can avail the No Claim Bonus if they don’t file claims during the tenure of the policy. Also, if you have installed security devices that are approved by the Automotive Research Association of India (ARAI), you will be eligible to receive a discount on the own damage premium. Further, if you are a member of a recognized Automobile Association, you can claim a discount on your own damage premium. Your insurer might also offer you other discounts, based on their terms and conditions.

    8.Is it safe to purchase or renew two-wheeler insurance policies online?

    Yes, it is completely safe to purchase or renew two-wheeler insurance policies online. You can also pay your premium through secure online payment channels provided by your insurer. Purchasing or renewing your two-wheeler insurance policy online is a seamless and hassle-free process since you can complete the process from anywhere and at any time, based on your convenience.

    9.What are certain exclusions under comprehensive two-wheeler insurance policies?

    Certain exclusions that are applicable to comprehensive two-wheeler insurance policies are as follows:

    • Electrical/mechanical breakdown
    • Aging of the two-wheeler or wear and tear
    • Depreciation
    • Consequential loss
    • Driving under the influence of alcohol or drugs
    • Driving without a valid driving licensee
    • Deliberate accidental loss

    *Note: For the complete list of exclusions, you should refer to your policy document/brochure.  

    10.I use my two-wheeler very rarely. Is it still necessary to purchase insurance?

    Yes, you should purchase a two-wheeler insurance policy for your vehicle, regardless of how often you use the vehicle. That being said, if your two-wheeler is very old or if you rarely use your two-wheeler, you can opt for a third-party liability-only insurance policy, which offers more basic coverage.

    Two Wheeler Insurance Reviews

    • Bajaj Allianz Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a claim with Bajaj Allianz and I would say its excellent. They have not even ask for the final report to process the claim. After 20 days I have got the payment and it was really cool. I had my two wheeler insurance before one year with them. Their customer service is excellent.
      Was this review helpful? 0
      , patna
      Reviewed on Dec 15, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Excellent Package with minimum price"
      0.5 5.0/5 "Blown Away!"
      I know Bajaj Allianz very well, its a trustworthy. The premium is reasonable and they are offering good benefits when compared to others. I guess they have better customer response but never had any interaction till now. I have paid around 1600 rupees approx for one year which am much satisfied.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Bajaj Allianz is good but compared to Bharti Axa but the premium is little bit more so I have changed the provider. The customer service and response was good. I don't have any claim experience. I have chosen the policy through online for the last year.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have chosen Bajaj Allianz for my two wheeler insurance and the process was done through online. The customer service is good and it has low premium compared to others. I have received the insurance papers and its a one year policy. The benefits is also good.
      Was this review helpful? 0
      , mehsana
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Trustworthy"
      0.5 4.0/5 "Great!"
      Bajaj Allianz is a standard company and trusted one. I never contacted the customer service and the premium is moderate. Even I got the low premium from various insurer but its not standard. The policy coverage and benefits are better. I have not settled the claim and I have got the policy papers too.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      The customer service is average. I have taken my two wheeler with Bajaj Allianz because they have offered me a good IDV value. The policy coverage and plan benefits are average. The policy period is one year. I have made the payment through online.
      Was this review helpful? 0
      , saran
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "need to reduce the premium"
      0.5 3.0/5 "Satisfactory"
      I had a two wheeler insurance with Bajaj Allianz for one year, the premium is more and benefits are same like others. I did not get any reminder call for renewal. The IDV is better. When I purchased Avenger bike, the insurance was offered by the showroom.
      Was this review helpful? 0
      , thanjavur
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      The premium is low with Bajaj Allianz for the two wheeler insurance and giving good IDV value. I am satisfied with the benefits and policy coverage. I have paid Rs.1100 for one year policy, they have sent the insurance papers on time.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 13, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      The customer service is okay with Bajaj Allianz. I have not claimed anything and got the insurance papers. I have chosen Bajaj Allianz, it has lower premium compared to other insurer. The policy period is one year. The payment mode is online.
      Was this review helpful? 0
      , balasore
      Reviewed on Dec 08, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Need to reduce the premium"
      0.5 4.0/5 "Great!"
      I had my two wheeler insurance with Bajaj Allianz and the premium is high. I never had a claim experience. It was offered by the showroom at the time of purchasing PULSAR 200 bike. Only one time I received the call regarding the payment and it was done online.
      Was this review helpful? 0
      , nagpur
      Reviewed on Dec 07, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      They are user friendly, I can able to find lot of insurance showroom with Bajaj Allianz. I had a two wheeler insurance with them for one year. I can easily contact the customer service and response is fine. I have no idea about the policy coverage and plan benefits. The premium is little higher.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Dec 07, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have purchased a two wheeler insurance with Bajaj Allianz after mading the comparison, its has better offer. Till now I have not contacted the customer service and there was no issues. I have paid around Rs.1500 as a premium through online. The policy coverage is good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Dec 07, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using bankbazaarinsurance.com for last 2 to 3 years. It is easy to purchase vehicle insurance. The customer service and response is good. I have logged in to the website and filled the details. The representative called me and provided a good response.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 05, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Average"
      0.5 5.0/5 "Blown Away!"
      The customer service is also good. I have chosen Bajaj Allianz because of the quick service and the payment gateway is easy. The policy coverage is almost same like other insurer. The claim process is hassle free. The premium is very reasonable, only little bit different with others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 05, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Need to decrease the premium"
      0.5 4.0/5 "Great!"
      Actually I have another vehicle in Hyderabad which was insured with Bajaj Allianz and am not satisfied in some aspects and also premium is bit higher. My friend has suggested the same insurer for my another vechicle may be it will be good in Chennai branch. It is a E-pay process , it went smooth and good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 05, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I had my two wheeler insurance with Bajaj Allianz. The services and response is good and there are no hassles in the process. I did not continue this year with them because the policy expired and I had to choose another insurer. Else the premium was nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 30, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      My two wheeler insurance is with Bajaj Allianz. The customer support is fine and there are no hassles in the process. But they have only sent me the soft copy of the policy and not the hard copy. The policy coverage value and the premium cost is good too.
      Was this review helpful? 0
      , vadodara
      Reviewed on Nov 28, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Overall process is good"
      0.5 4.0/5 "Great!"
      I have taken my two wheeler insurance from Bajaj Allianz. The process was smooth and easy and I had no issues to get the policy done. The customer support and response is good and since I used the same insurer last year, I preferred to use the same this year too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 28, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      I had taken my two wheeler insurance with Bajaj Allianz. The customer support and response is good and there are no hassles. I also got the policy documents on time. They were better in the policy coverage value and the premium is also nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 28, 2018
    • Bajaj Allianz Two Wheeler Insurance
      "Good in all"
      0.5 4.0/5 "Great!"
      Bajaj Allianz was good in the process for the two wheeler insurance policy. The customer support is fine and there are no issues. I got the policy documents on time. I am also okay with the policy coverage value and the premium cost is nominal too.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Nov 27, 2018
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