HOW TO REGISTER CAR INSURANCE CLAIM IN BAJAJ ALLIANZ GENERAL INSURANCE

As a joint venture between Allianz SE and Bajaj Finserv Limited, Bajaj Allianz General Insurance Co. Ltd. began operations in May 2001. Since that time, the business has experienced phenomenal growth, becoming one of India's leading providers of insurance services.

 

 

 

 

Here Is How You Can Claim Your Bajaj Allianz General Car Insurance:

Bajaj Allianz Car Insurance Claim Registration procedure is simple and quick. The steps in the Bajaj Allianz vehicle insurance claim process are as follows:

1. Bajaj Allianz Car Insurance Claim Registration:

• As soon as the accident occurs, get in touch with Bajaj Allianz and file a claim.
• Call Bajaj Allianz at their toll-free number*: 1800-209-5858 to register your insurance claim. Depending on your preference, a customer service representative will then walk you through the full claim settlement procedure or text messages will be sent to your registered phone number to guide you.
• Additionally, you can reach them by phone at *1800-22-5858, *1800-102-5858, or *020-30305858. (chargeable).

Prior to registering a claim, kindly have the following information available: 

• The engine and chassis numbers for your vehicle.
• Date, time, and place of the incident.
• Information regarding the accident's loss and damage.
• The location of the closest garage where you'll park your car so that a qualified surveyor can be dispatched to conduct an incident survey. 

2. In the event of theft, file a FIR at the closest police station and get a copy of it. Request that the police issue a Non-Traceable Report if they are unable to find your car within 90 days of filing the FIR. This will allow the insurance to begin processing your registered claim request.

3. A customer care representative will give you a Claim Reference Number once they begin processing your claim request.

4. Get your car serviced-

• The address of the closest Bajaj Allianz network garage may be found on their official website, or you can call them at 020-66439001/020-66439002/020-66439003 to find the closest cashless garage.
• For repairs, drive or have your car towed to the closest cashless garage.
• An authorised surveyor will be dispatched to the garage to examine your car and determine the extent of the loss or damage. The surveyor will provide the go-ahead for your car to be fixed following the assessment.
• At each stage of the claim procedure, Bajaj Allianz will send you an SMS alert. You may also call the devoted customer care staff at 1800-209-5858 to receive an update on the claim request by providing the Claim Reference Number.

5. Submission of Documents: You must provide the surveyor/insurer and the in-charge garage with the originals and copies of all the requested documents such as car insurance, and have the copies authenticated against the originals. 

The following are the paperwork and other items that must be presented for the claim process:

In Case of an Accident:

• A cover note or insurance policy document.
• Tax Receipt and Vehicle Registration Certificate.
• The FIR you filed and the driver's licence of the individual who was operating the car at the time of the accident.
• Estimated repairs from the mechanic who will be fixing the car.
• Invoice for repairs and payment receipt (reimbursement claim).
• Discharge and satisfaction claims properly signed voucher with a revenue stamp.

In Case of Theft:

• A copy of the insurance policy.
• Tax Receipt and Vehicle Registration Certificate.
• The FIR you filed and the driver's licence of the individual who was operating the car at the time of the accident.
• Estimated repairs from the mechanic who will be fixing the car.
• Invoice for repairs and payment receipt (reimbursement claim).
• Discharge and satisfaction claims properly signed voucher with a revenue stamp.
• Information on prior insurance, if any.
• Those key sets.
• Vehicle Service Manual.
• Warranty card for the vehicle.
• A duplicate of the insurance contract.
• The FIR you filed, the tax receipt, the vehicle registration certificate, as well as the driver's licence of the person who was driving the vehicle at the time of the collision.
• Repair costs as determined by the mechanic who will be repairing the vehicle.
• Repairs invoice and payment receipt (reimbursement claim).
• Claims for release and satisfaction fully completed and revenue-stamped voucher.
• Details about any prior insurance, if any.
• That set of keys.
• Vehicle warranty card Vehicle service manual.

If Third-Party Liabilities Arise:

• Completely completed and signed claim form by you, Police FIR.
• Chauffeur's licence at the scene of the accident.
• A copy of the insurance policy.
• Registration Vehicle certification.

Settlement of Claim:

• In the event of a cashless claim, the insurer will pay the network garage directly for the cost of repairs after you have covered any applicable deductibles, depreciation, etc. as advised by the surveyor.
• In the event of a reimbursement claim, you will be required to pay the full cost of repairs at the garage and provide the insurer with the bills and payment receipts. The insurer will review the submitted documents and process your reimbursement for the repairs, minus any applicable deductibles, depreciation, and other fees.

Bajaj Allianz Car Insurance Exclusions

The following conditions will prevent the claim process from being used and your claim will be rejected:

• Ageing-related general wear and tear of the vehicle.
• Mechanical or electrical failures.
• The wear and tear of consumables like tyres and tubes is not taken into account unless the car is damaged.
• Using a business vehicle for personal usage and vice versa.
• If an unlicensed or ineligible driver was operating the car when the accident occurred.
• If the person is using drugs or alcohol while operating the vehicle.
• Damage or loss brought on by mutiny, war, or nuclear peril.

FAQs

Q1. Will making a Bajaj Allianz car insurance claim have an impact on my policy's renewal?

You will forfeit all collected No Claim Bonuses (NCBs) and won't have any NCBs left to transfer upon policy renewal if you file a claim to compensate for a loss or damage sustained as a result of an accident during the insurance period.

Q2. How long does it take Bajaj Allianz to process the pay out of your claim?

Depending on the type of liabilities you have accumulated as a result of an accident, Bajaj Allianz processes your claim payment within 10 to 15 days of receiving all the necessary documentation.

Q3. If the accident occurred outside of the city where the insurance policy was issued, may I file a claim request?

The location of the accident is not important; you can submit a claim request from anywhere by calling customer service at 1800-209-5858.

Q4. What happens if the accident occurs while someone else is driving?

The obligations that result from the accident involving your vehicle will still be your responsibility because you have insurance for the vehicle that is registered in your name, regardless of who was driving at the time.

Q5. What are the expenses I have to pay for at the time of claim settlement?

The expenses you have to pay for include cost of depreciation, salvage value, compulsory deductibles, cost of consumables and involuntary excess.