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Car Insurance

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Key Features

  • Get a vehicle tracking and monitoring device under DriveSmart Service
  • Cashless claim settlement at over 4000 preferred garages
  • 24x7 Road side assistance
  • Towing Facility in the event of a breakdown
  • Zero Depreciation Cover can be opted as an add-on*

Renewal Reminder

  I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to
contact me. It will override my registry on the DNCR. Read more

Motor Insurance

Why Bajaj Allianz Car Insurance?

In today's day with a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Bajaj Allianz offers car insurance with a range of covers to choose from.

With Bajaj Allianz's innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24x7 Roadside Assistance facility, help is just a phone call away.

Note: This policy is applicable only for private cars.

Why Car Insurance?

Why Car Insurance

Key Benefits of Bajaj Allianz Car Insurance

  • Avail 24x7 call assistance and SMS updates for claims support, even on holidays
  • Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
  • Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
  • Receive 75% on account payment facility based on requirement and when liability is above a certain limit
  • Avail 24x7 Roadside Assistance with your Car Insurance policy
  • Get a vehicle tracking and monitoring device with DriveSmart Telematics Service and a host of add-on covers included in it
  • Towing Facility in the event of a vehicle breakdown or an accident
  • Zero Depreciation Cover can be availed as an add-on cover with Car Insurance

Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online

Premium CalculatorCar Insurance Premium Calculator

Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online

Coverages of our Car Insurance policy

  • Loss or damage to your car due to natural calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.

  • Loss or damage to your car against man-made calamities
    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.

  • Personal Accident Cover
    Coverage of Rs. 2 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available

  • Third Party Legal Liability
    Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.

Car Insurance Add-on Packages

Car Insurance Add-on covers

Add on Covers with your Motor Insurance/Car Insurance policy

A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.

  • 24x7 Spot Assistance
    This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
  • Lock and key replacement cover
    In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle
  • Accident Shield
    Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car
  • Consumable Expenses
    Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy
  • Conveyance benefit
    If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a 'per day' cash benefit, as per the plan opted by the insured
  • Personal baggage
    The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under Bajaj Allianz's Motor Insurance/Car Insurance policy

Car Insurance Top-up covers

Car-Insurance-Top-up
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Toll free number for Roadside Assistance

Toll free number for Roadside Assistance

1800-103-5858

What is Bajaj Allianz DriveSmart service?

Bajaj Allianz is the first to introduce a unique vehicle tracking system in India to its customers, called the DriveSmart Telematics Device. This comes with our Motor Insurance/Car Insurance policy and helps in keeping in check one's driving pattern and behavior, as well as monitoring the condition of their car's engine and battery. Apart from that, it also helps in tracking and locating the vehicle, ensuring complete safety for you and your family.


The benefits of opting for DriveSmart with your Car Insurance policy

When you purchase a Vehicle Insurance with us, you get to avail several additional benefits when you opt for our DriveSmart service with it, such as:

  • Complete diagnosis of the vehicle: This will help you check the condition of your car's battery and engine
  • Tracking your vehicle: You get to see the last location of your car on a map as well as the location and navigation details of your car. You can also share the location of your car with your friends and family via Whatsapp, SMS and email
  • Monitoring driving patterns: It provides you with a summary of distance travelled in a day, longest trip taken, highest speed reached, braking pattern, speed variance and much more
  • Customization: It allows you to create custom trips and see it on a map, and shares interesting statistics about the route and lets you share your car trips on social media
  • Set and receive important alerts for your car: The device notifies you on over speeding, unauthorized movement of the car or low battery. It sends alerts on PUC date, servicing date, driving license expiry of your car as well.
  • Help and support: You can ask an automobile expert regarding any car related query through the DriveSmart Telematics Device

Available Best Car Insurance Plans

  • Premium Cost
  • Coverage
  • Own Damage Premium
  • Basic Third Party Liability
  • PA-Cover for Owner/Driver
  • Coverage for Electrical accessories
  • Coverage for Non-Electrical accessories
  • PA-Cover for co-passenger
  • CNG Kit Coverage
  • Driver Cover
  • NCB Discount
  • Voluntary Deductible - Save Premium
  • Depreciation Shield
  • Engine Protector
  • 24/7 Roadside Assistance
  • BEST VALUE
  • Low
  • Low
  • Low
  • Included
  • Included
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Not Included
  • Not Included
  • Included
  • FLEXIBLE PLAN
  • Enhanced
  • Enhanced
  • Enhanced
  • Included
  • Included
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Optional
  • Included
  • Included
  • Included

Exclusions you should know about in your Motor Insurance Policy

  • Normal wear and tear and general ageing of the insured vehicle
  • Depreciation or any consequential loss
  • Mechanical/electrical breakdown
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacing the damaged part
  • Vehicle used otherwise than limitations as to use
  • Damage by a person driving any vehicle without a valid license
  • Damage by a person driving the vehicle under the influence of drugs or liquor
  • Loss/damage due to war, mutiny or nuclear risk

To know more about exclusions in our Car Insurance in India, please refer to the brochure in the tools section above.


Car Insurance Claim Process

Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one; which is why we have minimized it into three simple steps:

Register your claim with us

You would need to register a claim as soon as possible following the accident/theft of your car. You can do this online by visiting the page here or over the phone by dialing our Toll free number - 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Car Insurance claim process.

Please keep the following information handy while registering a claim:

  • Engine and Chassis Number
  • Accident date and time
  • Description and location of the accident
  • Car inspection address
  • Km. reading
  • Police complaint, in case of theft

Please note that in case of theft, you would need to file a police complaint as soon as possible, so that when you are registering a claim with us you are able to produce the same, along with the other documents.

Send your car for repair, if applicable

Whether your car is vandalized, meets with a collision, or gets damaged by some peril, you would need to take it to the garage, if it is in a movable condition, or have it towed there to avoid any further damage.

Final step for claim settlement

You will have to submit the copies of all the required documents to the garage/dealer who is helping you with your Vehicle Insurance claim and get them verified with the originals. Following which, we will make the payment for the repair directly to the network garage once it is ready to be sent back to you. Do note that you will have to pay the excess amount according to the norms mentioned in your policy that include depreciation amount, salvage etc. which will be informed to you by our surveyor.

If the loss is not so severe, we suggest that you avail the spot settlement of Car Insurance claims through Bajaj Allianz Mobile settlement service.


Customer Reviews

  • ANIRUDDHA MADHAV DATE

    30 November 2017

    I had an excellent experience while purchasing the policy online. No need to contact anyone asking them to complete the buying procedure. Self-service is the best option.
  • GIRISH HARISH GONE

    15 November 2017

    Good Add On covers offered like Zero Depreciation which replaces the spare parts of your car in case of irreparable damage. Hope to see more add on covers like this.

Social Reviews


Frequently Asked Questions

1. What does NCB stand for in car insurance?

NCB stands for No Claim Bonus, which is a discount offered on the motor insurance premium to the insured at the time of renewal of their policy. The discount is applicable only if no claims were made during the previous policy period.

2. What benefits can one get by paying additional premium while purchasing car insurance?

A car insurance can be topped up with several add-on covers that come at an additional premium. The add-on covers and their benefits are listed below:

  • 24x7 Spot Assistance which provides services such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more during emergency situations
  • Lock and key replacement cover that indemnifies the insurer for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same
  • Accident Shield that provides compensation for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car
  • Consumable Expenses that covers cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident
  • Conveyance benefit that offers 'per day' cash benefit if the insured car is in a workshop following an accident and the claim for the same is accepted
  • Personal baggage that indemnifies the insuredin case of any loss or damage caused to his/her personal baggage kept in their insured vehicle
3. What are the benefits of buying car insurance online?

Some of the benefits of buying car insurance online include:

  • The advantage of choosing from a variety of options to suit one's needs
  • It is cheaper when purchased online
  • The buying process is fast, hassle-free and has very few steps
4. Is my NCB transferable when I change my car or insurer?

Yes, your NCB can be transferred even if you decide to change your car or your insurer. NCB solely depends on your claim-free record, which in turn shows how carefully you drive and maintain your car.
Please note that NCB discount is applicable only on own damage premium and not third party insurance for cars.

5. What happens if my car insurance lapses?

If your car insurance lapses you will have to produce the vehicle for inspection, after which the policy will be renewed. If you have earned an NCB and you do not renew your policy within 90 days of it lapsing, your NCB percentage will be reduced to zero.

6. What is a comprehensive car insurance policy?

There are two types of car insurance policies you can purchase. Comprehensive Motor Insurance policy or Third Party Insurance policy

  • Comprehensive insurance covers own vehicle damage as well third party liability
  • Third party insurance covers third party liability only

It is mandatory to have a third party liability insurance as per the rule set by the Govt. of India.

7. What is IDV in car insurance?

IDV in car insurance is simply your car's current market value which is fixed on current/ ex showroom price - Deprecation value or Mutual understanding between the insured and the insurer for vehicles above 5 years or obsolete model.

8. What is zero depreciation or nil depreciation in car insurance?

When a vehicle meets with an accident and the parts need to be replaced while repairing as per assessment, customer needs to bear the depreciation as per age of vehicle and material type. This depreciation is covered under nil depreciation or zero depreciation.

9. What is compulsory deductible in car insurance?

Say you meet with an accident and insurance company liability (amount) of repair comes up to Rs 5000 for example, you will be required to pay some of the amount say 1000 or 2000 based on cc of your Car, as compulsory deductible or compulsory excess.

10. What is the period of car insurance policy?

All insurance companies have to define a period for which the insurance cover is applicable. Both the policy start date and end date will be clearly mentioned on the policy document furnished by the insurance company. Insurance is valid within the start and end date. Post the end date, you will be required to renew the policy to enjoy further insurance cover.

Engine Protector

Engine Protector
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Depreciation Shield

Depreciation Shield
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