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Bajaj Allianz Car Insurance: Coverage, Benefits and Reviews

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.

Bajaj Allianz Car Insurance Coverage

Bajaj Allianz motor insurance is designed to protect your car in case it is damaged due to any unforeseen mishap or accident. Their Private Car Package Policy provides comprehensive coverage for Own Damage and also shelters you against any Third Party Liability.

Types of Coverage

  • Own Damage: The policy shields you against any loss or damage to your car due to:
    • 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/rockside
  • Third Party Liability: Any third party injuries or property damage triggered due to your car will be covered in Third Party Liability insurance.

  • Personal Accident Cover: : Bajaj Allianz motor insurance will pay the specified Sum Insured to you or your beneficiary in case of death or permanent total disability of the owner driver due to an accident while travelling in your car.

Add-on Features of Bajaj Allianz Car Insurance

To supplement your base car insurance policy with comprehensive coverage, Bajaj Allianz offers certain add-on features at additional premium.

  • Loss of accessories

  • Legal liability to paid driver, cleaner or any workman

  • Personal accident cover for the occupants

Discounts Offered by Bajaj Allianz Car Insurance

Bajaj Allianz car insurance offers specific discounts that can significantly trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on the number of consecutive claim free years.

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracs extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Significant Exclusions of Bajaj Allianz Car Insurance

While Bajaj Car insurance policy is well intended to protect you financially against damages and loss to your car, there are certain cases that the insurance company will not pay for.

  • Any loss occurred due to normal wear and tear of car.

  • Consequential losses.

  • Loss or damage caused outside the geographical area.

  • Loss or damage caused to the car while using it outside the limitations of its use.

How to Claim for Bajaj Allianz Car Insurance?

  • Intimate the claim on Bajaj Car Insurance Toll Free No. 1-800-209-5858.

  • For cashless service, you need to get your car repaired at a garage within the network of Bajaj Allianz.

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurer.

Coverfox Review for 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.

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Understand all the Benefits of Bajaj Allianz Car Insurance Plans

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