Formerly known as Bajaj Allianz, Bajaj General Insurance was established in 2001 as a joint venture between Bajaj Finserv and Allianz SE, Germany. It is registered with IRDAI under Registration Number 113 and operates today as Bajaj General Insurance in the Indian market. With a strong nationwide presence and digital-first services, the company serves 14 crore+ customers across India. Car insurance remains one of its major products, valued for fast claim settlements and extensive garage coverage.
Bajaj General Insurance is a trusted car insurance company in India, offering comprehensive, third-party, and standalone own-damage four-wheeler policies with strong digital support and quick claim services. Known for its wide service network (7200+ Network Garages) and competitive premiums, it caters to both new and existing car owners with flexible coverage options. Following its rebranding from Bajaj Allianz to Bajaj General Insurance, the company continues to focus on innovation, customer convenience, and technology-driven insurance solutions. The company was formerly Bajaj Allianz General Insurance. In October 2025, it rebranded to Bajaj General Insurance Limited after becoming 100% owned by the Bajaj Group. Following its rebranding from Bajaj Allianz to Bajaj General Insurance, the company continues to focus on innovation, customer convenience, and technology-driven insurance solutions.
| Feature | Details |
|---|---|
| Third-Party Liability Cover | Covers injury, disability, death, or property damage to a third party as per the Motor Vehicles Act. |
| Own Damage Cover | Protects your car against accidents, theft, fire, floods, and other natural or man-made events. |
| Personal Accident Cover | Provides financial protection up to ₹15 lakh for the owner-driver in case of accidental death or permanent disability. |
| No Claim Bonus (NCB) | Offers discounts of up to 50 percent on renewal premium for claim-free years. |
| Zero Depreciation Cover | Allows up to 2 zero-depreciation claims in a policy year, reducing out-of-pocket repair costs. |
| Add-on Covers | Includes Zero Depreciation, Roadside Assistance, Engine Protect, Consumables Cover, and more. |
| Cashless Garage Network | Provides access to 7,200+ cashless garages across India for hassle-free repairs. |
| Unlimited Normal Claims | Allows unlimited standard own-damage claims as per policy terms and conditions. |
| Theft and Total Loss Cover | Pays compensation up to the Insured Declared Value (IDV) in case of theft or total loss. |
| IDV Protection | Ensures the maximum payable claim is based on the car’s current market value. |
| Claim Assistance | Offers end-to-end support for faster and smoother claim settlement. |
| Instant Policy Issuance | Enables quick online purchase and renewal with immediate policy generation. |
Here are the Bajaj car insurance policy types you can choose from:
A package policy that covers both own-damage to your car and third-party liability as per legal requirements.
Mandatory under the Motor Vehicles Act, it protects against legal liability for injury, death, or property damage caused to others.
Provides protection for damage to your own vehicle from accidents, fire, theft, or natural disasters; ideal when paired with third-party cover.
A flexible policy where your premium is tied to the number of kilometres you drive, suitable for infrequent drivers.
Damage to your car caused by fire, explosion, self-ignition, or lightning.
Loss due to burglary, housebreaking, or theft of the insured vehicle.
Protection against riots, strikes, malicious acts, and terrorist activities.
Coverage for natural calamities such as floods, cyclones, earthquakes, storms, landslides, and hailstorms.
Accidental damage caused by external means, including collisions and road accidents.
Damage while the vehicle is in transit by road, rail, inland waterways, lift, or air.
Third-party liability cover for death, injury, or property damage as per Motor Vehicles Act.
Personal Accident Cover for owner-driver up to ₹15 lakh for death or permanent disability.
Towing and removal charges to the nearest repairer up to ₹1,500 in case of covered damage.
Compensation up to the Insured Declared Value (IDV) in case of total loss or theft.
Normal wear and tear, depreciation, mechanical or electrical breakdown, and ageing-related damage.
Damage to tyres and tubes unless the vehicle is damaged in the same accident.
Loss or damage when the driver is under the influence of alcohol or drugs.
Consequential losses such as loss of income, business interruption, or indirect damages.
Damage caused while using the vehicle outside the permitted purpose or geographical area.
Claims arising from contractual liabilities or private agreements.
Losses related to war, invasion, civil unrest, nuclear risks, or radioactive contamination.
Accidents caused when the vehicle is driven without a valid driving licence.
Damage caused due to intentional acts, self-harm, or illegal activities.
Claims below the applicable deductible amount mentioned in the policy schedule.
Here are the specific add-on covers you can opt for to enhance your Bajaj car insurance policy:
Removes depreciation deduction on parts when you make a claim, helping you get a higher claim payout for repairs.
Provides on-road emergency support like towing, tyre change, fuel delivery, minor repairs and more when your car breaks down.
Covers damage to the engine and gearbox due to events like water ingression, oil leakage and mechanical breakdown scenarios.
Pays for consumable items such as engine oil, brake oil, greases and other small parts replaced during repair that aren’t covered under a standard policy.
Protects your No Claim Bonus even if you make a claim in a policy year (subject to terms).
These add-ons are optional and can be included along with your Bajaj comprehensive car insurance policy to customise and increase coverage based on your needs.
Buy Bajaj General Car Insurance from Coverfox online:
Go to Coverfox’s car insurance section and enter your car registration number or vehicle details.
View premium quotes from top insurers and select the Bajaj Car Insurance plan that suits your needs.
Pick the policy type and add desired add-ons like Zero Depreciation or Roadside Assistance.
Provide your contact, address, and vehicle information as required.
Submit your RC, driving licence, and other necessary documents.
Pay online using UPI, debit card, credit card, or net banking.
Get your Bajaj car insurance e-policy on your registered email after successful payment.
Bajaj General Car Insurance offers access to a wide network of 7,200+ cashless garages across India, ensuring hassle-free repairs without upfront payments. You can find the nearest network garage by visiting the official website, entering your city or PIN code, or by contacting customer support. These authorised garages provide standardised repair services and direct claim settlement with the insurer. Bajaj General Insurance Branch Locator
1800-209-0144
1800-209-5858
careforyou@bajajgeneral.com
seniorcitizen@bajajgeneral.com
1800-209-5858
020-30512246
Bajaj Insurance House, Airport Road, Yerawada, Pune-411006
Disclaimer:
* Savings are based on the maximum discount provided on your own damage premium as offered by our car insurer partners.
** Price for a basic third-party car insurance for a car under 1000 CC for 1 year policy, set by IRDAI (Excluding GST).
Claims are generally processed within a few working days after submission of all required documents and survey completion. As per policy terms, settlement decisions are made within 30 days of receiving the final document.
No, the existing policy cannot be transferred to a new car. However, you can transfer the No Claim Bonus to your new vehicle.
Yes, Bajaj offers comprehensive and third-party policies for used or second-hand cars.
Yes, Zero Depreciation cover helps you avoid depreciation deductions on replaced parts, reducing out-of-pocket expenses during claims.
Yes, you can choose any garage, but a cashless facility is available only at 7,200+ network garages.
If you miss the renewal date, your policy lapses and coverage stops. You may need a vehicle inspection before policy reactivation.
Electrical and non-electrical accessories can be covered if declared and included in the policy.
Engine damage due to water ingression is covered only if you have opted for the Engine Protection add-on.
Yes, Personal Accident cover for the owner-driver up to ₹15 lakh is mandatory as per regulations.
Add-ons are usually selected at the time of purchase or renewal. Mid-term additions may be allowed subject to terms and approval.
You can download your policy document from the official website by logging into your account or through the customer portal.
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