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Bajaj Allianz Car Insurance

Bajaj Allianz General Insurance Company Ltd. (IRDA Reg. No: 113) is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Since last 10 years, company has consistently received iAAA rating from ICRA demonstrating the highest claims paying capacity and a sturdy market standing.

Features of Bajaj Allianz Car Insurance

  • Instant policy – Hassle-free instant paperless renewal
  • 24/7 - claim assistance
  • Drive Smart services – Mobile app to assist 24/7 Roadside Assistance

Key Benefits of Bajaj Allianz Car Insurance

  • Cashless Garage Network - 4000 cashless garage across India
  • Special Add-on covers – Depreciation cover, No-Claim Bonus Protector, etc.
  • Claim settlement - Quick claim settlement process

Bajaj Allianz Private Car Insurance Coverage

Bajaj Allianz Private Car Insurance Policy can be tailor-made for any private vehicle to get insurance. The comprehensive policy by Bajaj Allianz Motor Insurance covers any Own Damage of the insured car or the policyholder and any liability loss or damage to the third-party property in case of an unfortunate accident or mishap.

Types of Coverage

Own Damage: This policy covers any damage or loss to the owner’s car due to any of the following things:

  • Fire, explosion, self-ignition or lightning
  • Burglary or Theft
  • Riot & Strike
  • Natural calamities like flood, hurricane, storm, cyclone, earthquake, etc
  • Terrorist activity
  • While in transit by road, rail, lift, elevator or air
  • Landslide or rockside

Third Party or Liability: Bajaj Allianz Private Car Insurance Policy covers any injuries or property damages incurred to the third party due to the insured car

Personal Accident Cover: Bajaj Allianz will pay Sum Insured of Rs. 2 lakh to the owner-driver of the insured vehicle in case of permanent total disability or to the beneficiary in case of accidental death.

Optional Covers: a) Passenger Personal Accident cover: A Sum Insured of Rs.2,00,000 for each of the occupants can be bought under passenger personal accident cover. b) Legal liability for Paid driver: Liability cover for paid driver with a premium of 50 Rs/annually can be bought.

Add-on Features of Bajaj Allianz Car Insurance

Bajaj Allianz offers customized plan to suit your requirements: Three different plan is available. 1) Best Value 2) Standard 3) Flexible plan

Flexible plan offers Depreciation shield and Engine Protect in addition to 24/7 Roadside Assistance that is available to other plans. Different Add-on covers are mentioned below:

Depreciation Shield:

The cost of the depreciable parts is not fully covered if there’s need of repair or replacement. Deducted depreciable cost is borne by the inured. But with this cover the whole cost is covered and the policyholder doesn’t have to pay even a penny. It is most suitable for vehicle age upto 5 years. The repair must be carried out in Company’s Authorized garage and valid only upto 2 admissible claims.

Engine Protect:

In an event of water ingression or brake oil leakage causing any damage to the parts of engine or gear box can cause you a huge amount to pay off from your pocket. This add-on covers the cost of any loss or damage to the parts of engine and/or gear box. Not more than one claim will be accepted. A prior approval from the company is necessary before starting the repair procedure, to ensure claim is not rejected.

24*7 Spot Assistance

A car breakdown is not completely inevitable. In case of small or big breakdown or situation of flat tyre(s), running out of fuel, and so on Bajaj Allianz with 24*7 assistance service provides high end Roadside Assistance.

Assistance for

  • Any breakdowns.
  • Change of tyre(s).
  • Provision of an emergency fuel.
  • Towing facility.

Lock and Key Replacement Cover

If you lose out the keys or lock gets damage in an attempt of burglary, the cost of repair and/or replacement will be indemnified. Maximum of two claims during one policy period.

Consumables Expenses:

The cost of consumables are not covered in an insurance policy. Consumables like nuts, bolts, screw, washers, grease, lubricants clip, AC gas oil, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil, etc.

Accident Shield:

This add-on is a compensation to the occupants in case of permanent disability or death due to the accident while traveling in the insured vehicle.

Conveyance Benefit:

If the insured car is in a workshop following an accidental damage is accepted, the insured would get a per day cash benefit as per plan opted by the insured. As a compensation top the policyholder in case the insured vehicle is in garage or workshop for repair, the cost of daily allowance or per day cash will be paid as per the plan selected by the policyholder.

Personal Baggage:

If the personal baggage kept in insured vehicle is lost or got damaged due to the perils mentioned in the Own Damage, the policyholder will be indemnified.

Discounts offered by Bajaj Allianz Car Insurance

Bajaj Allianz General Insurance offers many attractive discounts that the policyholder can avail.

  • No-Claim Bonus: If you make no claims throughout the year, you get a 20% discount on the premium of the 2nd year. It keeps on increasing.

The following table show the details:

No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim settlement.

  • Bajaj Allianz General Insurance also offers a discount i) If you install an ARAI anti-theft device in your car ii) If you are member of Automobile Association of India.

Exclusions of Bajaj Allianz Car Insurance

  • Any normal wear and tear and/or general ageing of the vehicle
  • Any consequential loss
  • Any mechanical or electrical breakdown
  • Wear and tear of consumables like tyre(s) and tube(s) unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement
  • Vehicles being used otherwise than in accordance with limitations as to use
  • Driving without a valid license
  • Driving under the influence of drugs or liquor or intoxication.
  • Any loss or damage due to war, mutiny and/or nuclear risk

How to Claim for Bajaj Allianz Car Insurance

Contact Details:

Website: www.bajajallianz.com

Email: customercare@bajajallianz.co.in

Toll-Free Number: 1800-209-5858

Locate the nearest cashless garage: 020-66439001/2/3

Required steps and supporting documents:

a) In case of Accident

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Theft

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact Bajaj Allianz on their toll-free number 1800-209-5858-
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  1. The first things to make a claim is to call on Bajaj Allianz General Insurance’s Toll-Free Helpline number - 1800-209-5858

  2. Take appointment with the surveyor and take your vehicle to any of Bajaj Allianz General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor

  3. Company confirms liability

  4. If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable

  5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

  6. Vehicle Delivery

Review of Bajaj Allianz Car Insurance

With cashless settlement at over 4,000 preferred garages and 75% on account payment in absence of this facility, Bajaj Allianz certainly has an edge in the insurance market. Instant claim assistance followed by sms updates through 24/7 customer support reserves one of the top slot for the company. The plans on offer are pretty comprehensive and when clubbed with appropriate add-on features can provide an all-inclusive financial protection.

FAQs on Bajaj Allianz Car Insurance

What are the benefits of buying the Bajaj Allianz Comprehensive Car Insurance policy?

Apart from instant policy and hassle-free claim service here is are the benefits of buying the Bajaj Allianz Car Insurance policy:

  • It covers own damages that may be caused due to any natural or man-made activities
  • It includes the risk coverage against the theft of the vehicle
  • It covers third-party liability and property damages
  • You can expand the basic comprehensive policy with Add-on covers
  • You can avail discounts under No Claim Bonus year after year
  • 4000+ Cashless Garage Networks

How can I avail Bajaj Allianz’s cashless claim services?

At the time of claim, you need to intimate the Bajaj Allianz claims team. With 4000+ cashless garage network, you can quickly locate the nearest service center by calling - 020-66439001/2/3.

How can I get discounts if I make no claims throughout the year?

Every year, at the time of renewal, you can mention about the number of claim free years. Based on the number of claim free years you get the discounts on the premium as No Claim Bonus.

What are add-on covers?

Add-on covers are optional paid features that help to widen the coverage of the comprehensive policy. By paying an additional small amount of premiums, you can buy add-on covers having great benefits. For instance, Depreciation Shield cover gets you covered with the cost of depreciable car parts at the time of claim, and you have to pay anything extra.

What is Personal Accident cover?

Personal Accident cover is a risk coverage for an owner-driver. It is mandatory, and comes with the sum assured of Rs. 2 Lakh. In case, if an accident causes total permanent disability to the owner-driver, the company pays the sum assured to the owner. If owner-driver dies due to the accident, the insurance company pays the sum assured to the nominee.

Bajaj Allianz Car Insurance