Bajaj Own Damage Car Insurance
Bajaj General Own Damage Car Insurance protects your car from accidental damage, theft, fire, and natural calamities. It ensures Read More
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Bajaj General OD insurance offers fast claim settlement, cashless repair service at network garages, and smooth digital processes for a stress-free experience.
Key Features of Bajaj General Own Damage Car Insurance
Here are the key features of Bajaj General Own Damage Car Insurance:
- 01
Accidental Damage Cover
Covers repair or replacement costs if the vehicle is damaged due to accidents or collisions.
- 02
Natural Disaster Protection
Protects against losses from floods, earthquakes, cyclones, lightning, and other calamities.
- 03
Theft Coverage
Provides financial compensation if the car is stolen or damaged in a burglary attempt.
- 04
Transit Cover
Covers damages while the car is being transported by air, rail, or road.
- 05
No Claim Bonus (NCB)
Enjoy premium discounts for every claim-free year.
- 06
Add-On Options
Choose from Zero Depreciation, Engine Protector, Roadside Assistance, Return to Invoice, Key Replacement, etc.
- 07
Personal Accident Cover
Covers the owner-driver up to ₹15 lakh in case of accidental injuries.
- 08
Cashless Repair Network
Access a wide network of cashless garages across India for smooth repair services.
- 09
Online Purchase & Renewal
Easy online policy issuance and renewal within minutes.
- 10
Quick Claim Assistance
Fast and reliable claim support from experts.
What Does Bajaj General Own Damage Insurance Cover and Not Cover?
What it Covers
Here are some of the exclusions:
Car damage due to accidents or collisions
Losses from natural disasters (flood, storm, earthquake, etc.)
Damage from fire, explosion, or lightning
Theft or burglary of the vehicle
Damage caused by riots, strikes, or vandalism
Damage during transit by air, rail, or road
Personal accident cover for the owner-driver
What Does it not Cover
Here are some of the exclusions:
Driving after consuming alcohol or drugs
Driving without a valid driver's license
Third-party injury or property damage
Depreciation without Zero-Dep add-on
Damage outside Indian boundaries
Mechanical or electrical breakdown
War, nuclear incidents, or intentional damage
Benefits of Bajaj General Own Damage Insurance
Here are some of the benefits of Bajaj General's own damage insurance:Covers your own car against accidents, theft, fire, and natural calamities
Multiple add-ons for better protection
NCB benefits that reduce renewal premiums
Covers transit-related vehicle damage
Protection against riots and vandalism
Full IDV payout in case of total loss or theft
Financial security and peace of mind while driving
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A policy that protects your car from accidental damage, theft, fire, riots, and natural disasters.
No. A separate third-party liability policy is required as per law.
Zero Depreciation, Engine Protector, Roadside Assistance, Return to Invoice, Consumables Cover, etc.
Based on car age, model, fuel type, location, insured value (IDV), and selected add-ons.
No, mechanical or electrical issues are not covered unless linked to an accident.
Bajaj General pays the Insured Declared Value (IDV) as compensation after claim approval.