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Bajaj Allianz Car Insurance
  • Easy Online Buy & Renewal
  • 4000+ Cashless Network Garages
  • No Claim Bonus Upto 50%
  • Instant Claim Assistence
  • Add-on Cover Option

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Bajaj Allianz Car Insurance

Bajaj Allianz Car Insurance Company is a renowned name in the General Insurance industry. It is a consolidated collaboration between Bajaj Finserv Limited and Allianz SE. With the expertise of many years in the general insurance industry, the company carries a reputation of stability and strength. In May 2001, the company received the registration certificate from IRDAI and since then, the company is delivering great products to cater to different needs of the consumers. Bajaj Allianz comes out as one of the financially robust insurers by maintaining growth and profitability. The company also received iAAA rating from ICRA for the highest claim paying ability and holding a strong position in the industry.

Types of Plans

To cater to the different needs of customers, Bajaj Allianz is offering multiple insurance products and helping people in insuring their vehicle successfully. Below is the list of such effective insurance plans for your perusal:-

  • Bajaj Allianz Car Insurance Plan
  • Third Party - Liability only insurance
  • Bajaj Allianz Commercial Vehicle Third Party Insurance

Bajaj Allianz Car Insurance Plan

Bajaj Allianz car insurance is an all-round car insurance policy. The policy covers your vehicle from all aspects like an ideal car insurance plan. With the same, you insure yourself and your vehicle from road accidents, theft among others. It also assists you with the cashless claim settlement at network garages and a lot more! To enhance your car insurance policy cover, you can also opt for add-on covers. Along with this plan, you are getting 24*7 roadside assistance to assist you in the hour of need.

What it covers?

  • Loss or damage to the car because of natural calamities
    This policy will protect the insured vehicle against earthquake, typhoon, explosion. Hurricane, fire, storm, self-ignition/lightning, hailstorm, tempest, landslide, etc.
  • Loss or damage against man-made calamities
    The plan is not limited to offer cover against natural calamities, but it also covers man-made calamities that include strike, theft, burglary, malicious act, riot, terrorist attack & damage in journey by elevator, road, air, life, rail or inland waterway.
  • Personal Accident Cover
    This insurance policy comes out with the coverage of Rs.2,00,000 for the owner/driver of the vehicle. It acts as a protection cover against unwanted emergencies. There is an option of personal accident covers for Passenger/ Paid Driver/ Driver/ Insured that you can go for.
  • Third Party Legal Liability
    This feature offers legal liability protection that occurs because of accidental damage caused to the surrounding property and/ or resulting in lifelong injury or death of a person.

Key Benefits

  • 24*7 Support
    The helpful services of Bajaj car insurance is one call away. The company is there to serve you 24*7 even on holidays. You will also get SMS updates about your policy and claim support.
  • No Claim Bonus
    The company is also providing no claim bonus with this effective plan on every claim-free year. Moreover, you can also transfer up to 50 % NCB from any other car insurance company.
  • Cashless claim settlement
    With the help of 4000+ network garages, the company is providing cashless claim settlement service to offer ease to customers.
  • Account payment facility
    As per your needs, the company allows you to receive 75% on account payment facility where the liability is above a fixed limit.
  • Roadside assistance
    24*7 roadside assistance with this car insurance policy to deal with different road emergencies.
  • Towing Facility
    In case of any vehicle breakdown or an accident, the company is always there with the towing facility.

Third Party - Liability only insurance

Bajaj Allianz Third Party-Liability only insurance cover offers legal liability towards third parties for personal injury, death and property damage from an accident where your vehicle is involved. This insurance policy offers the required peace of mind to the insured along with the confidence of driving on Indian roads.

What it covers?

  • Legal Liability
    This insurance policy is liable to offer cover against legal liability for injury & property damages which are caused by the insured to the third party.
  • Personal Accident cover to the owner or driver
    This insurance policy is also liable to offer coverage to the owner/driver of the vehicle against the accidental death and permanent total disability.
  • Written consent
    The company will also pay all costs and expenses incurred with its written consent.

Key Benefits

  • No Claim Bonus
    Like the comprehensive policy, this insurance policy also offers no claim bonus for a claim-free year which is transferable to other insurers as well.
  • 24*7 Support
    For the ease of customers and to offer full comfort, the company comes out with 24*7 customer assistance service. This feature brings a lot of relief to people when they are stuck in road emergencies.
  • Quick hassle-free claim process
    Company understands the importance of claim and thus comes out with the quick and easy claim settlement process. Without any hassle, you will get the required coverage on time.

Bajaj Allianz Commercial Vehicle Third Party Insurance

Commercial vehicle third party liability only insurance policy is also known as the act only cover. It is a mandatory cover that you should have if you own any commercial vehicle to stay away from any legal trouble. This policy doesn't offer any coverage to the insured's vehicle but it takes care of all financial losses and legal liabilities which may happen because of an accident caused by a third party.

What it covers?

  • Cover for causing accidental injury or death to other people
    Under this effective feature of your commercial insurance policy, you will be liable to get coverage against accidental injury or death caused to the third party.
  • Cover for accidental damage to other people's property
    Under this feature, the insurance company will pay for all accidental damages to the third party's property. It will provide the required peace to the insured from third-party legal liabilities.

Key Benefits

  • Cover against legal liabilities
    This policy offers protection against financial losses and legal liabilities.
  • Easy claim settlement
    For the consumer's ease, the company offers a hassle-free claim settlement process.
  • Easy to buy
    The company allows the insured to easily buy the required insurance plan via an online medium.
  • Cover for accidental damage to a third party property
    The company provides a comprehensive accidental damage cover to the third party to make you feel relaxed in the unwanted situation.

Key Benefits of Bajaj Car Insurance Policy

Instant Policy

The company will quickly get the best insurance plan on your table and help you renew the existing ones within minutes.

Different Forms of Policies

The company is offering multiple car insurance plans to cater to different needs of yours. You can choose the best one as per your vehicle requirements.

Cashless Services

To provide more ease and comfort to the insured, the company has come out with 4000+ garages that will help the insured with cashless claim settlement.

24*7 Customer Assistance

24*7 Customer Assistance

The team of Bajaj Allianz Car insurance is always there to help you in the hour of need, whether it is about claim or any other query.

No Claim Bonus

No Claim Bonus

With the motive of saving more, the company is offering great discounts in the form of NCB. By investing in any Bajaj car insurance policy, you will be entitled to get NCB ranging from 20% to 50%.

Timely Service

Time is of the essence and in case of an emergency, people need quick assistance. Fortunately, Bajaj always tops this service. They always give priority to those customers who are having a rough day.

Cashless Network Garages4000+
Third-Party CoverUp to Rs. 7.5 lacs
Claim Ratio62%
Roadside Assistance24*7
No Claim BonusUp to 50%

Bajaj Allianz Car Insurance Add-On Covers

To enhance the basic cover, Bajaj Allianz Car Insurance company offers a few add-on covers which are more than capable to deal with a road emergency. Below is the list of such helpful add-on covers:-

24*7 Spot Assistance

Along with across India coverage, the company is offering on-spot assistance (anytime & anywhere in India) to deal with an accident/breakdown. Legal assistance services will also be there with flat tire repair/replacement, car battery jumpstart & other emergency covers.

Lock & Key Replacement

It is a helpful add-on cover that will help you to cover the expenses of the cost of replacement of car keys in case they are lost or stolen. Moreover, locks of the insured vehicle will also be liable to get the required cover.

Accident Shield

This add-on cover will help you to get the cover against bodily injury that may occur because of permanent disability or an unfortunate event such as death. It is also available for other passengers apart from the driver.

Cover For Consumables

In case of damage to consumables such as the engine box, AC, gas oil, brake oil, power steering oil & engine oil, the cost of replacement and repair will be covered by the insurance provider.

Personal Baggage

Your personal belongings in the car such as mobiles, laptops, etc. which are damaged/lost due to an unfortunate incident will be liable to get the cover.

Bajaj Allianz Car Insurance Renewal

When it comes to any crucial decision related to car insurance/car insurance renewal, Bajaj Allianz has always managed to gain the trust of people. The company allows people to easily insure their car & quickly renew their existing policies. When it comes to online renewal of Bajaj Allianz Car Insurance, you only have to follow a few simple steps. It's just a matter of 5 minutes to renew car insurance online. To renew, you must visit our quote section which is visible at the top of this page. By filling some basic details, you will be able to renew your car insurance without facing roadblocks.

Key Features of Bajaj Car Insurance Renewal

1

Quick Process: Bajaj Allianz is offering an easy and quick renewal process.

2

Affordability: All car insurance plans are available at an affordable price with a wider cover.

3

Cashless Facility: With the trust of Bajaj Allianz, you will get cashless claims with 4000+ preferred garages.

4

Towing Facility: To provide more ease to the customers, Bajaj has come out with towing facility in case of an accident or breakdown.

5

Add-ons: The company is offering multiple add-on covers to boost the existing basic covers.

6

Cover: A comprehensive cover is there to shield you against natural & man-made calamities.

How to Renew Bajaj Car Insurance Online?

  • Visit our quote section present at the top of this page.
  • Fill basic details about your car and click on tab “Continue”.
  • Fill basic details about yourself.
  • Check quotes and choose the one as per your needs.
  • Easily pay via different payment modes.
  • In case of any confusion, connect with our team of experts.

Bajaj Allianz Car Insurance Premium Calculation

It is quite obvious that good things can never come for free. Unfortunately, the same thing goes with car insurance policy. All car insurance owners have to pay a fixed amount of premium to keep their policy active, so that they can easily deal with unwanted emergencies. To know how much you have to pay to keep your car insurance active, you must use the car insurance premium calculator which is available on our site:-

The simple formula that most people use to calculate car insurance premium is:-

Premium = Own Damage Premium – (No claim bonus + discounts) + Liability Premium as Fixed by the IRDAI + Cost of Add-ons

Premium Samples of the Company

Car ModelVariant Reg. YearPremium
MARUTI SWIFTDZIREKBVXi Petrol (1197cc)2019Rs17529 (with zero dep)
MARUTI WAGON RPETROL (1061-CC)2019Rs15271 (with zero dep)
MARUTI ALTOAX (AUTOMATIC TRANSMISSION) Petrol (1061cc)2019Rs17340 (with zero dep)
MARUTI VITARA BREZZA1.2 LDI DDIS 200 Diesel (1248cc)2019Rs29998 (with zero dep)

Documents Required

Bajaj car insurance is one of the insurance companies that offer complete security and peace of mind to the customer. In order to insure your vehicle with Bajaj, you require the below-listed documents:-

  • Form with signature and photograph.
  • Driving License copy.
  • Copy of the vehicle's registration.
  • Copy of the vehicle's insurance status.
  • KYC documents including address and age proof.

Please keep in mind that insurer can ask for additional documents as well. When you apply for the Bajaj Allianz Car Insurance plan online, you don't have to submit your original documents on an immediate basis. Once you purchase the policy online, your vehicle will get insured instantly and you will get a soft copy for the same. You will get the hard copy within 7 working days.

Claim Process

Whether it is a minor breakdown, theft, accident or any incident, the Bajaj Allianz Car insurance claim process is easy and hassle-free. The company follows a simple claim process which is not complicated at all. There are several ways through which you can register a claim easily. You can make a call to the company through the toll-free number or even file the claim online.

If you are going to use the toll-free number to register the claim, the company will assign a customer care executive to help you further with the entire claim process. If it is a case of accident or theft, you must make sure to file a complaint in the nearest police station as soon as possible. Also, it is highly important to keep basic details such as date/time of accident/theft/fire, policy number, location of accident/theft/fire/others, Km reading and police complaint number handy as the insurer can any time ask for it.

Cashless Claim Process for Bajaj Allianz Car Insurance

You can get the cashless claim service in all network garages across the country. Below is the procedure to file a cashless claim:-

  • Inform the insurance provider.
  • The surveyor will inspect the vehicle.
  • Submit the required documents to surveyor.
  • All the necessary information will be communicated to the network garages.
  • The insurance company will pay to the cashless network garage.

Reimbursement Claim Process for Bajaj Allianz car insurance

  • Inform the insurance company.
  • Submit all the relevant documents to the surveyor.
  • Pay bills to the garage directly and keep all bills with you.
  • Submit the same bills and relevant documents for reimbursement to the insurer.

Bajaj Car Insurance Review

Bajaj Insurance company has become a preferred choice for customers when it comes to car insurance purchase. The reason behind the huge success is its 4000+ network garages which are providing cashless services and 75% on account payment in case of reimbursement. With 24*7 roadside assistance, Bajaj Allianz manages to win the hearts of its customers.

The company is offering effective car insurance plans which are with appropriate add-on features to offer wider coverage to customers. With a proven fast and easy claim settlement record, the company is in the list of top insurance companies for your car insurance purchase.

FAQ

NCB refers to the No Claim Bonus which is basically a form of discount that the insured get for every claimless year at the time of renewal of your policy. It is applicable only for those who did not file any claim in the last year policy.

A few benefits include

  • Instant issuance of policy through soft copy

  • 24*7 customer assistance

  • Easy and quick claim settlement

  • Wider cover and cashless service as well

Yes, you can easily transfer your NCB when you are switching the plan or the insurance company. It is completely associated with the claim free record and on changing insurer, you can easily carry the same with the new insurance company.

If you do not pay attention to the renewal of your car insurance on time then your policy may get lapse. In the case where your policy got lapse, then your vehicle has to go through the inspection. If you hold any NCB and you have not renewed the existing policy within 90 days, then you will not be liable for NCB benefits as well

In India, there are basically two forms of car insurance policy that you can purchase-Comprehensive Motor Insurance policy or Third Party Insurance policy. Under a comprehensive insurance cover, you will get coverage on own vehicle and third party liability also which is referred to a complete cover.

IDV is basically the existing market value of your car in the current market. It is a value that is fixed on current/ ex-showroom price - Deprecation value or by Mutual understanding between the policyholder and insurance company for vehicles above 5 years or obsolete model.

Suppose, you met with an accident and the repair amount comes up to Rs 5000 then you have to pay around 1000 or 2000 rupees as a compulsory deductible or compulsory excess. It completely depends up to you, as if you have chosen the voluntary deductible option then only you have to pay the amount otherwise the insurer will take care of the same.

Many insurers have defined a period for which the insurance cover is applicable. In India, you can insure your vehicle for 1 or 3 years. Both the policy start date and end date will be mentioned in the policy's documents. At the end of the policy, you have to renew the same for further insurance cover.

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Last updated on 30-12-2019