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Bajaj Allianz Car Insurance
Bajaj General Insurance (formerly Bajaj Allianz General Insurance) was established on 2 May 2001 as a joint venture between Bajaj Finserv and Allianz SE. Its headquarters is located in Pune, Maharashtra. The company offers a wide range of general insurance products, including car insurance, two-wheeler insurance, health, travel, home, and commercial insurance.
It has a strong nationwide presence with digital services for policy purchase, renewal, and claims. The Bajaj Group, founded in 1926 by Jamnalal Bajaj, is its parent business group. Recently, Bajaj Finserv acquired Allianz’s stake, making it a fully Indian-owned insurance company.
Key Features of Bajaj Car Insurance
Here are the key features of the Bajaj car insurance company:| Key Features | Description |
|---|---|
| Policy Type | Offers Third-Party, Comprehensive, and Own Damage car insurance plans |
| Cashless Network Garages | Large network of over 7,200+ cashless garages across India |
| Claim Settlement Ratio | 88.14% |
| Add-on Covers | Zero Depreciation, 24x7 Roadside Assistance, Engine Protector, Consumables Cover, and more |
| No Claim Bonus (NCB) | Attractive NCB benefits for every claim-free year |
| 24x7 Roadside Assistance | Instant help anywhere in case of breakdown or accident |
| Coverage for Damages | Covers accidents, theft, fire, natural calamities, and third-party liabilities |
| Personal Accident Cover | Up to Rs. 15 lakh coverage for owner-driver as per IRDAI guidelines |
| Digital Services | Easy online policy purchase, renewal, and claim tracking through app/website |
Motor Insurance Plans By Bajaj Allianz
Benefits of Bajaj Car Insurance
Bajaj car insurance offers solid protection along with easy online services. Here are the main benefits of buying a car insurance policy from Bajaj:
- 01
Quick Online Quote
You can check premium rates in just a few clicks without paperwork.
- 02
Big Savings
Offers competitive premiums and discounts depending on car condition and claim history.
- 03
Wide Garage Network
Access to 7,200+ cashless garages across India for fast and effortless repairs.
- 04
Affordable Renewal
Easy online renewal options with attractive offers and discounts.
- 05
Strong Car Protection
Covers your car from accidents, theft, fire, natural and man-made disasters.
- 06
Useful Add-on Covers
Add extra protection like Zero Depreciation, Roadside Assistance, Engine Safe, and more.
- 07
No Claim Bonus (NCB)
Get a good discount on premiums for every claim-free year.
- 08
24x7 Support
Quick claim response and instant help in emergencies.
- 09
Digital Claim Process
Hassle-free claim filing and tracking through the app or website.
- 10
Trusted Brand
Bajaj group, which is known nationwide for strong service and customer trust.
Inclusions and Exclusions of Bajaj Car Insurance
Bajaj Car Insurance covers some damages and does not cover certain conditions. It is important to know both before buying a policy.
What it Covers
These are the car damages Bajaj insurance covers:
What Does Bajaj Car Insurance Cover?
These are the car damages Bajaj insurance covers:
Theft or total loss of the car
Fire, lightning, riots, and vandalism
Natural calamities like floods, storms, and earthquakes
Accidental external damage
Transit damage (transportation of the vehicle)
Third-party liability (damage to others)
Personal Accident Cover for owner-driver
What Does it not Cover
These are the situations not covered:
Driving a car without a valid driver's license
Driving under the influence of alcohol or drugs
Regular wear and tear and normal ageing of the car
Mechanical or electrical breakdown without accident involvement
Using a private vehicle for commercial work
Damage due to war, nuclear activities, or racing
Claim raised after policy expiry
Available Add-ons in Bajaj Car Insurance
Bajaj Car Insurance offers many add-ons to improve protection. Here is a list of useful add-ons:Zero Depreciation Cover Full cost of car parts with no depreciation cuts.Engine Protector Covers engine and gearbox repairs from water or oil leakage.Consumables Cover Covers items like oils, screws, and nuts used during repairs.Roadside Assistance Help during breakdowns: towing, jump-start, fuel supply, etc.Return to Invoice Pays the car’s purchase value if stolen or fully damaged.Key and Lock Replacement Covers lost or damaged keys and lock repairs.NCB Protection Keeps your No Claim Bonus even after one small claim.Personal Belongings Cover Protects items damaged or stolen from inside the car.Tyre Damage Cover Protects tyre and tube damage from accidents.Daily Allowance Benefit Offers a daily travel allowance while the car is in repair.
Documents Required for Buying Bajaj Car Insurance
To buy a Bajaj car insurance plan, you must have the following documents ready:Car Details Registration number, manufacturer, model, fuel type, engine number, and chassis number.Personal Details Name, date of birth, address, mobile number, and PIN code.Nominee Details Nominee’s name and relationship (for Personal Accident Cover).Identity Proof Aadhaar Card, PAN Card, Passport, or any valid government ID.Address Proof Aadhaar Card, Voter ID, Driving License, or other accepted documents.Vehicle Registration Certificate (RC) Mandatory for registered vehicles; new cars require purchase/delivery documents.Passport-size Photograph Needed for KYC and verification (optional in online process).
Easy Steps to Buy Bajaj Car Insurance
Here are the steps to buy Bajaj Car Insurance:
Step 1 Visit the online car insurance application form on the Bajaj website.Step 2 Enter basic details such as vehicle type, registration number, your mobile number, and PIN code. Then check the terms and conditions and click on the “Get Quote” button.Step 3 Choose the IDV, NCB value, add-on covers, and plan type to see the available car insurance options. Update the expiry date of your current insurance policy (if renewing).Step 4 Click on the “Buy Now” button. You must also add the owner-driver personal accident cover (mandatory by RTO). Then proceed to the next step.Step 5 Confirm the vehicle registration date and your previous policy type (Comprehensive / Third-Party). Click on “Proceed” to continue buying car insurance.Step 6 Enter the vehicle owner’s personal details like name, date of birth, address, and contact number. Also, enter engine number, chassis number (from RC), and previous policy details (if applicable).Step 7 Review all the filled details carefully and make the payment online using Net Banking, UPI, or Debit/Credit Card. After successful payment, your policy will be issued instantly.
FAQs
Bajaj provides Third-Party, Comprehensive, and Own Damage car insurance plans along with optional add-on covers.
Yes, you can easily buy or renew your policy online through the official website or mobile app.
Bajaj offers a wide network of over 7,200 cashless garages across India for quick and hassle-free repairs.
You can file a claim online, upload documents digitally, and track the claim status for faster settlement.
Yes, Zero Depreciation Cover is available as an add-on for full coverage without depreciation deductions.
Car details, personal details, address proof, and Vehicle RC are generally required.