BAJAJ ALLIANZ CAR INSURANCE

Bajaj Allianz's car insurance policy allows you to drive without worrying about accidents or mishaps. It insulates you from any losses incurred by your car or because of it. It protects you, your car against various types of physical damages, bodily injuries/death and also provides a cover against third-party liabilities.

• Innovative, flexible, affordable and value-for-money car insurance plans.
• Benefits and multiple add-ons to meet your specific requirements.
• Secures you and your car against theft or damages from road accidents.
• Offers all-round protection.
• Easy to buy and renew.
• Ensures complete peace of mind.

Bajaj Allianz now serves millions of car owners across India through more than 1,000 new locations, cashless settlement facilities at network garages, around the clock roadside assistance and a variety of other user-friendly features.

 

 

Features & Advantages of Bajaj Allianz Car Insurance

• Light-on-wallet plans, premium amounts and unique add-on covers.
• Zero-depreciation cover to protect your car from depreciation expenses, minimize out-of-pocket spendings during a claim and increase your savings.
• Option to transfer up to 50% of the current‘No-Claim Discount’ from other insurers.
• 4000+ cashless network garages/workshops for high quality and hassle-free services.
• Fast and streamlined claims settlement process.
• Payment of 75% of the expenses by the company in case of unavailability of cashless claim settlement facility.
• An award-winning customer service initiative project- Motor OTS (On-The-Spot) to let you conduct a self-survey of your vehicle in case of an accident.
• Pan-India cover option for policyholders who need assistance while on the road including flat tyre repair, jump-starting the car battery, on-road towing assistance and legal advice.
• 24X7 assistance, available even on holidays and claim status update through SMS alerts.
• Easy to buy/renew the policy online. Fill-in necessary details, compare plans or quotes and make the purchase.

 

 

Bajaj Allianz Car Insurance Policies & Variants

• Own Damage Policy: Covers accidental losses or damages to your car caused by fire, explosion, self-ignition, lightning, burglary, housebreaking, theft, riot, strike, earthquake, flood, hurricane, storm, tempest, cyclone,frost, hailstorm, malicious/terrorist activity, while in transit by road/rail/inland/waterway/lift/elevator, air, landslide or rockslide.

 

• Third-Party or Liability: Covers your legal liabilities arising out of bodily injuries to and/or property damages of third parties caused by accident involving your car.

 

• Personal Accident Cover: In the unfortunate event of the owner/driver's death and/or permanent total disability caused by an accident while travelling in your car, a specified suminsured (generally, 15 lakh rupees)is paid to you or your legal heir.

 

Optional Extensions: (a) Loss of accessories, (b) legal liability to paid driver/cleaner/any workman and (c) personal accident cover for the occupants.

 

Policy Variants	Basic	Standard	Comprehensive
Premium Cost	Low	Average	Enhanced
Coverage	Low	Average	Enhanced
Own Damage Premium	Low	Average	Enhanced
Basic Third Party Liability	Yes	Yes	Yes
Personal Accident Cover (Owner/Driver)	Yes	Yes	Yes
Electrical and/or Non-Electrical Accessories Cover	Optional	Optional	Optional
Personal Accident Cover (Co-Passenger and/or Driver)	Optional	Optional	Optional
CNG Kit Coverage	Optional	Optional	Optional
NCB Discount	Optional	Optional	Optional
Voluntary Deductible	No	No	No
Save Premium	No	No	No
Depreciation Shield	No	No	No
Engine Protector	Yes	Yes	Yes

 

 

 

Bajaj Allianz Car Insurance Online: Add-On Covers

• Depreciation Shield: Protection against expenses on wear, tear and depreciation of your car.
• Engine Protector: Guards your car's engine against all possible issues ranging from water ingression to hydrostatic lock.
• Consumable Expenses: Covers costs of all consumables-engine/gearbox/power steering oil, coolant, brake oil and others incurred while repairing the damaged car after an accident.
• Conveyance Benefit: Financial support for your daily commute when your car is being repaired post accidental damage, and the claim is accepted.
• Key & Lock Replacement: Covers the cost of key replacement and fitting or purchasing of new locks when the physical key is misplaced.
• Personal Baggage: Indemnifies you in case of any loss or damage to the personal baggage kept in your car.

 

 

Exclusions of Bajaj Allianz Four Wheeler Insurance

• Depreciation: General ageing of the vehicle, tyres, tubes, normal wear or tear, depreciation and any consequential losses are not covered.
• Influence of Substances: Any damage to the vehicle caused by an individual driving under the influence of substances like drugs or liquor is also not covered.
• Invalid Licence: Damages caused by any person driving without a valid license are not covered.
• Mutiny, War & Nuclear Risk: Damages to your car during such uncontrollable and chaotic situations are not covered.

 

 

Bajaj Allianz Car Insurance Policy: Discounts

• Voluntary Discounts:Applicable if you choose to pay the minimum amount at the time of claim settlement.
• No-claim Discounts:If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years.
• An additional discountif you have a membership with approved automobile associations.
• You also get a discount if you install approved anti-theft devices in your car.

 

 

Bajaj Allianz Car Insurance Premium Calculator

The premium for your car insurance policy is based on factors such as IDV, the make/model, year of purchase, registration and the city.

One can compare policies and plans by visiting Bajaj Allianz's official website. Alternatively, you may use established online insurance comparison portals such as www.Quickinsure.comto explore quotations, simplify and speed up the process of buying car insurance.

 

 

Bajaj Allianz Car Insurance Renewal & Application

One can apply for/renew a car insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.

 

 

Bajaj Allianz Car Insurance Review

Bajaj Allianz car insurance enjoys a reputation of unmatched expertise, stability and strength. It incorporates global know-how with local experience.

Its comprehensive plans, add-on features, competitive pricing, instant claim assistance, cashless settlement facilities at 4,000+ preferred garages, 75% paymentin its absence and Bajaj brand's goodwill in India make it the enviable market leader.

 

Bajaj Allianz Car Insurance: FAQs

 

Q:Is there any specific type of cars that Bajaj Allianz insures?

No. You may purchase car insurance for any new or used car from Bajaj Allianz.

 

 

Q:What is the extent of coverage offered by Bajaj Allianz car Insurance?

It would entirely depend on the IDV and the price of your car.

 

 

Q:Are there any discounts on purchasing/renewing car insurance from Bajaj Allianz?

Yes, there are. Up to 5% discount on own damage (subject to the age-35 to 45 years) and 10% (46 to 65 years). 5% discount for policyholders who are charted accountants, central/state government employees, government school teachers and government hospital doctors.

 

 

Q:Are there any benefits of buying a comprehensive Bajaj Allianz car insurance policy?

Yes, there are many! You get coverage for your own damage, risk protection against theft, covers third-party liabilities and property damages. Add-on features can be utilised, can avail no-claim discounts and services from thousands of cashless garages.

 

 

Q:Is there an option to renew my other car's insurance with Bajaj Allianz?

Yes, there is. Multiple payment options such as Debit/Credit card and internet banking can be used.

 

 

Q:Am I allowed to transfer my 'No Claim Bonus' discount from my previous insurance provider to Bajaj Allianz car insurance?

Yes, you are!

 

 

Q:How can I avail cashless claim services from Bajaj Allianz?

By informing the Bajaj Allianz claims team while making a claim and locating your nearest service centre through - 020-66439001/2/3.

 

 

Q:How efficient is the claim settlement process of Bajaj Allianz car insurance?

Highly efficient! Only 3 or a maximum of 7 business days to settle all types of claims. Essential document requirement includes the proof of policy with a duly filled claim form.

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.