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Bajaj Allianz Two Wheeler Insurance

Bajaj Allianz General Insurance Company Ltd. is a joint venture between Bajaj Finserv Limited (an Indian financial services company) and Allianz SE (a German multinational financial services company).

Bajaj Allianz has received iAAA rating from ICRA for 10th consecutive years.

The company was established on 2nd May, 2001, and offers motor, health, home, commercial and travel insurance. Bajaj Allianz has 4,000 preferred garage network around the country. Moreover, Bajaj Allianz offers a long-term policy for two-wheelers.

Key Features of Bajaj Allianz Two-Wheeler Insurance

  • Instant renewal – Instant paperless renewal
  • Claim settlement – 24 x 7 claim settlement service
  • Long-term (3 year) policy with one click

Key Benefits of Bajaj Allianz Two-Wheeler Insurance

  • Cashless Garage Network – 4000 Cashless garage across India
  • Special Add-on covers – Zero Depreciation, Engine Protector, Consumables, etc.
  • Get about 75% cash payment in the absence of cashless facility

Bajaj Allianz Private Two-Wheeler Insurance Coverage

Bajaj Allianz insurance policy for two wheeler covers Own Damage and Third-party liability insurance. Bajaj Allianz also offer long-term policy.

Types of coverage

Own Damage: Bajaj Allianz two insurance policy will cover the cost of any loss or damage to your two wheeler and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Earthquake, flood, typhoon, hurricane, storm, tempest, inundation
  • Cyclone, hailstorm, frost, landslide, rockslide
  • Burglary, theft, riot, strike, malicious act
  • Accident by external means, terrorist activity
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air

Third Party or Liability: This policy is a protection against legal liability due to accidental damages resulting in the bodily injury or death of a person, and/or any loss or damage incurred to the third-party property.

Personal Accident Cover: This policy also cover personal accident cover for the driver/owner of the insured vehicle. An optional cover for the electrical and non-electrical accessories of your two wheeler which includes horns, buzzers, seats, leg guard, etc. is available.

Features1 year Package Policy3 years Long Term Package Policy
Renewal frequencyEvery yearOnce in three years
Coverage periodEvery yearThree years
Premium hikesEvery year TP premium increasesNo effect in the TP premium during policy period
NCB BenefitAs per tariffAdditional benefit at the time of renewal
NCB benefit after a claimNCB become 0 after one claimNCB gets reduced but does not become nil
NCB gets reduced but does not become nilNo refund in case of any claimNo refund in case of any claim

Add-on features of Bajaj Allianz Two-Wheeler Insurance

Bajaj Allianz offers different add-on covers under different plans.

  • Drive Assure Basic: Which only offer Depreciation Shield
  • Drive Assure Sliver: Which offers Depreciation Shield, Engine Protector and Consumable Expenses

Depreciation Shield: It covers the full cost of repair or replacing the depreciable parts of the insured vehicle. The cost of depreciable parts such as plastic, rubber, metal, etc. is not fully covered in the policy With this cover you are covered with the cost on depreciable parts (except tyre(s) tube(s) damaged in accidents or any other perils mentioned in Own Damage.

Engine Protector: It covers the cost or repair incurred due to the loss or any damage to the engine and/or gear box due to water ingression and/or oil leakage.

Consumables: The cost of consumables can go over the roof top at the time of claim. This add-on cover covers the cost of consumables such as nuts, bolts, washers, gasket, brake oil, etc.

Discounts offered by Bajaj Allianz Two-Wheeler Insurance

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

  • No-Claim Bonus: You can avail this No claim Bonus discount. You get certain percentage of discount on the premium amount, provided you make no claims throughout the year. Since this discount is cumulative it keeps on increasing with no-claim years. The table below shows the percentage of discount.
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%
  • Other Discounts: Bajaj Allianz General Insurance offers discounts if you are a member of any recognised Automobile Association of India.

  • Voluntary Deductible: Bajaj Allianz offers an additional discount as Voluntary Deductible, that is, you can opt to pay a certain amount of money at the time of claim and this gets you benefited to avail this discount on the premium amount.

  • Discount on Anti-theft:You also get discount if you install an Anti-theft device.

Exclusions of Bajaj Allianz Two-Wheeler Insurance

  • Compulsory deductible amount
  • Normal wear and tear and general ageing of the vehicle
  • Mechanical and Electrical Breakdown
  • Driving without a valid driving license
  • Damage to tyre(s) and tube(s) (Unless due to an accident)

Other exclusions as mentioned in the policy wordings

How to Claim for Bajaj Allianz Two-Wheeler 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 26, 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 Two-Wheeler Insurance

With cashless settlement at over 4,000 preferred garages and 75% on account payment in the 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 slots 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.

Bajaj Allianz Two-Wheeler Insurance