Bajaj General two-wheeler insurance is a motor insurance policy that is made specifically for motorcycles and scooters in India. It offers financial protection against accidents, theft, natural calamities, and third-party liabilities, while ensuring compliance with the Motor Vehicles Act, 1988, which mandates third-party insurance for all vehicles. Previously known as Bajaj Allianz General Insurance, the insurer continues to provide reliable and accessible coverage tailored for Indian riders, making it a trusted general insurance company in India.
| Feature | Details |
|---|---|
| Policy Issuance | Quick and hassle-free online policy purchase and renewal |
| Premiums | Premiums starting at ₹538* |
| Cashless Network | Access to 7,200+ cashless garages across India |
| Claim Process | Instant Claim settlements through the Bajaj app for accidents |
| No Claim Bonus (NCB) | Discount benefits for claim-free policy years for up to 50% |
| Add-ons | 24x7 Roadside Assistance, Consumable Expenses Cover, Zero Depreciation Cover, Tyre Safeguard Cover, Conveyance Benefit and more. |
*Price for TP bike insurance, policy specifications may change, check your policy documents for accurate results.
Buy or renew your bike insurance within minutes through a seamless digital process with zero paperwork.
Multiple coverage options allow you to choose a policy that fits your riding needs and budget.
Backed by a customer base of over 14 crore, reflecting strong reliability and service consistency.
Access 7,200+ garages across India for quick and hassle-free repairs.
Fast claim processing with transparent tracking ensures a smooth experience.
Enhance your coverage with options like Zero Depreciation, Engine Protector, Consumables Cover, and Roadside Assistance.
Bajaj General insurance company offers a range of two-wheeler insurance plans tailored to different coverage needs and policy durations, including both short-term and long-term options.
This is the most basic and mandatory policy under Indian law. It covers damages or injuries caused to third parties, but does not cover your own bike.
This Bajaj policy offers all-around protection by covering third-party liabilities as well as damages to your own bike due to accidents, theft, natural disasters, and more. It also allows add-on customisation for enhanced coverage.
This Bajaj policy covers only damages to your insured two-wheeler (accidents, theft, fire, natural calamities) and is usually purchased along with an active third-party policy.
A standard Bajaj bike annual plan that includes both own damage and third-party coverage, requiring renewal every year.
This Bajaj bike policy provides extended coverage for up to 2 or 3 years, eliminating the need for annual renewals and locking in premium rates for the entire tenure.
A bundled long-term plan offered by Bajaj that includes own damage, third-party liability, and personal accident cover for multiple years, offering both convenience and cost savings.
Designed for newly purchased bikes or scooters, this plan typically combines long-term third-party coverage (up to 5 years) with own damage cover (usually 1 year) for comprehensive protection from day one.
Accidental damage to the insured bike is covered
Theft or total loss of the two-wheeler is covered
Damages due to natural calamities like floods and cyclones are covered
Damages due to man-made events like fire, riots, and vandalism are covered
Third-party liability for injury, death, or property damage is covered
Personal accident cover for the owner-driver is included
Own damage caused by accidents, fire, and theft is covered
Normal wear and tear of parts is not covered
Mechanical or electrical breakdown is not covered
Claims without a valid driving licence are not covered
Damages under intoxication are not covered
Usage outside policy terms, like racing, is not covered
Consequential or indirect losses are not covered
Damages outside geographical limits are not covered
Consumables are not covered unless an add-on is taken
Assistance services available up to 4–6 service events per policy year including towing (up to 50 km per event), fuel delivery (cost of fuel extra), battery jump-start, flat tyre support, and minor on-site repairs.
Applicable for bikes up to 5 years of age, allows 100% claim on fibre, plastic, rubber, and metal parts without depreciation deduction, generally limited to 2 claims per policy year.
Covers consumables such as oils, lubricants, grease, bolts, nuts, washers, and filters, payable only if claim is admissible under own damage section, subject to policy terms.
Covers engine damage due to water ingression or oil leakage, applicable only when damage is not caused by consequential negligence, typically available for bikes up to 5 years old.
Pays invoice value including ex-showroom price, road tax, and registration charges in case of total loss/theft, generally applicable for bikes up to 3 years of age.
Allows retention of NCB even after 1–2 claims in a policy year, provided the add-on is active and policy terms are met.
Covers 100% cost of tyre/tube replacement due to accidental cuts, bulges, or impact damage, limited to specified number of claims (usually 1–2 per year).
Provides fixed daily allowance (e.g., ₹200–₹500 per day) or reimbursement for alternate transport when the vehicle is in garage beyond a defined period.
Covers cost of key replacement and lock-set replacement, including labour charges, subject to sum insured limit defined in policy.
Covers loss/damage to personal belongings up to a pre-defined limit (commonly ₹5,000–₹10,000) due to theft or accident involving the insured vehicle.
Note: Policy inclusions and exclusions may vary as per plan, the information given is generic and for accurate information check your policy document carefully.
To purchase Bajaj General Bike Insurance, you can visit Coverfox and follow these steps:
Visit the Coverfox website and select Bike Insurance
Enter your bike registration number or choose your bike model manually
Provide details like previous policy status and expiry date (if applicable)
Compare Bajaj General bike insurance plans with other insurers based on price and coverage
Select the preferred plan and customise it with add-ons as needed
Fill in personal and vehicle details accurately
Make the payment securely online through available payment options
Receive your policy instantly on email with zero paperwork and quick issuance
There are 7,200+ network garages of Bajaj General, that provides cashless claims facility for bike insurance in India. To find or locate these garages, you can visit: https://www.bajajgeneralinsurance.com/preferred-garages.html.
Disclaimer: * Savings are based on the maximum discount provided on own damage premium as offered by our bike insurer partners.
Yes, Bajaj General Insurance is now the official name of Bajaj Allianz, as the merger has been dissolved between Bajaj and Allianz group.
Bajaj General Insurance maintains a strong claim settlement record, supported by its efficient digital claim process, quick approvals, and a wide network of cashless garages. This ensures a smooth and reliable claims experience for policyholders.
You can renew your Bajaj General two-wheeler insurance online by entering your bike and policy details on the insurer’s or aggregator’s website, selecting the desired coverage and add-ons, and completing the payment. The renewed policy is issued instantly without any paperwork.
To file a claim, you need to notify the insurer through their app, website, or helpline, submit the required documents, and get the vehicle inspected. You can opt for cashless repairs at a network garage or choose reimbursement, depending on your preference and policy terms.
Yes, you can transfer your accumulated No Claim Bonus (NCB) from your previous insurer to Bajaj General. You will need to provide proof such as your previous policy document or renewal notice to retain your NCB benefits.
Yes, Bajaj General offers long-term two-wheeler insurance plans, including multi-year policies that reduce the hassle of annual renewals and help lock in premiums for an extended period.
Yes, Bajaj General allows insurance for older motorcycles, subject to inspection and underwriting guidelines. The premium and coverage will depend on factors like the bike’s age, condition, and Insured Declared Value (IDV).
Yes, theft of the bike is covered under comprehensive two-wheeler insurance policies. In such cases, the insurer compensates you based on the Insured Declared Value (IDV), as per policy terms and conditions.
Yes, roadside assistance is available as an add-on cover with Bajaj General bike insurance. It provides support such as towing, fuel delivery, battery assistance, and minor repairs during emergencies.
Yes, you can add or modify add-ons during policy renewal based on your needs. This allows you to enhance your coverage with options like zero depreciation, engine protection, and roadside assistance.
You can download your policy by logging into the insurer’s official website or mobile app using your policy details. Alternatively, you can access it through the platform from which you purchased the policy.
Yes, the bike model plays a significant role in determining the insurance premium. Factors such as engine capacity, make, model, age, and repair costs influence the premium, with higher-value or performance bikes typically attracting higher premiums.
