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Bajaj Allianz Car Insurance

A joint venture between Allianz and Bajaj Finserv Limited, Bajaj Allianz General Insurance Company Limited commenced operations in 2001. It quickly spread its services all across the country.

Since its inception, there has been tremendous growth and the organization continues to hold a strong position in the market. The association has been recognized with an iAAA rating by ICRA because of the high claim paying ability consecutively for 12 years. With world-class products, digitally enabled processes, proficient after-sales support, and efficient PAN India service, Bajaj Allianz has grown to become the number one choice in the car insurance market.

Benefits and Features Of Car Insurance Plans With Bajaj Allianz

Here are a few reasons Bajaj Allianz car insurance is the right choice for you:

  • A straightforward way to buy new car insurance or renew your old one with minimal effort
  • Convenient digitally-enabled processes
  • Comprehensive coverage for all-round protection against vandalism, accidents, theft, earthquakes, floods, and other man-made and natural calamities
  • Third-party liability covers up to a maximum of 7.5 lakhs
  • 24X7 customer support and emergency roadside assistance
  • Network of over 4000 authorized garages for car repairs
  • Instant cashless claim settlement
  • Pick and choose from a variety of add-on covers to suit your every need
  • Claim assistance via email, SMS, and call
  • All processes available digitally
  • From the previous policy, you can transfer up to 50 percent of no claim bonus
  • Dedicated customer support service to keep you informed and updated about your policy and claim

What Bajaj Car Insurance Policy Will Cover?

So, what does your car insurance policy cover?

Natural reasons

Anything considered a natural catastrophe like rockslide, landslide, lightning, cyclone, hurricane, earthquake, fire, and other such uncontrollable acts of nature.

Man-made reasons

Damage or a complete loss due to strikes, terrorism, malicious intended acts, theft, accidents caused because of external causes, burglary, etc.

Personal accident cover

The owner/driver gets coverage for protection against accidents or uncertain events. For enhanced protection, optional accident coverage is available.

Third-party liability

Coverage for any liabilities that arise due to accidental damage or loss caused to or by any third party (person or vehicle).

Add-on Coverage

Add-ons give you extensive and airtight protection and well-rounded coverage. You have the liberty to choose and pick the ‘add-on’ that entices you the most. Here are some add-ons that Bajaj Allianz offers:

Zero Depreciation

The zero depreciation add-on cover comes as a part of comprehensive car insurance. Here the insurer compensates the entire cost of repairing your vehicle without any deduction of depreciation.

Engine Protector

The engine protector add-on covers any issues that crop up with your engine after an accident like the hydrostatic lock, oil leakage, water ingression, and more.

24/7 Spot Assistance

Whether you need help with technical problems, battery-related issues, towing, changing a flat tire or minor mechanical or electrical service, you can reach out to the Bajaj team who is just a click or call away. No matter where you are in India, you will get round-the-clock assistance.

Key and Lock Replacement

This cover comes in handy, especially for those who are forgetful and tend to misplace keys.

Consumable Expenses

Usually, consumables like bolts, nuts, etc. do not fall under standard policies. This add-on covers consumables, no matter how small or large!

Personal Baggage

In the event of a burglary or theft, this add-on cover ensures you’re covered if anything goes missing from inside your car.

Conveyance Benefit

The conveyance add-on ensures you receive ‘per day’ cash for your everyday commute when your car is stationed in the garage.

Documents Required To Apply For Car Insurance With Bajaj Allianz

To seamlessly complete the process, all you need are a handful of documents.

  • Vehicle details like model name, model number, registration number, etc.
  • Vehicle registration certificate
  • A valid driver’s license
  • Tax receipts
  • Insurance forms
  • Bank details
  • Proof of identity and address (government issued photo ID)
  • Recent passport size photo

How To Apply For Bajaj Allianz Car Insurance?

With just a few quick clicks and some simple steps, you can get your hands on insurance that’s best suited for you.

Apply Via ProBus Website

Step 1

Log onto our website and click on car insurance.

Step 2

Enter Few basic detail like your city, car make, model, variant, year of registration, previous insurer and policy expiry.

Step 3

You will need to fill in a few more details for a precise quote like manufacture month and year, purchase date, customer type, license validity, etc.

Step 4

Compare and contrast a few plans and choose one that’s best suited for you.

Step 5

Make an online payment from several convenient methods.

Step 6

Within no time, you’ll have your policy in your inbox.

Apply On Bajaj Allianz Official Website

Step 1

Visit the official website and click on ‘quick quote’

Step 2

You have to enter some basic details like your name, contact number, any existing Bajaj Allianz policy, car makes, model, variant, registration number, registration date, etc.

Step 3

Click on ‘Get Quote’

Step 4

You will see details appear on your screen. Click on continue to payment.

Step 5

Once you pay, instantly the policy will be sent to your email address.

How To Renew Bajaj Allianz Car Insurance?

It’s important you renew your policy in time so it doesn’t lapse. It also ensures that you have ongoing protection in case of unforeseen circumstances.

Renewal Via The ProBus Website

Step 1
Login to our website and click on renew the policy
Step 1

Login to our website and click on renew the policy

Step 2

Select the insurer

Step 3

This will take you to the respective website. There you have to enter a few basic details like the existing policy number and registration number.

Step 4

Check the No Claim Bonus you’re eligible for

Step 5

Select the value of your vehicle and any add-ons, if you wish

Step 6

Review all the details and make changes if needed

Step 7

Make the online payment

Step 8

Within no time, you’ll have your policy in your inbox0

Renewal Via Bajaj Allianz Official Website

Step 1 – Visit the official Bajaj Allianz website and click on ‘motor insurance’

Step 2 – Click on ‘renew’ and then under car insurance ‘renew now’

Step 3 – Enter a few basic details like the existing policy number and registration number.

Step 4 – Check the No Claim Bonus you’re eligible for

Step 5 – Select the value of your vehicle and any add-ons, if you wish

Step 6 – Review all the details and make changes if needed

Step 7 – Make the online payment

Step 8 – Within no time, you’ll have your policy in your inbox

How To Claim Car Insurance With Bajaj Allianz?

You’re eligible to make a claim the instant your insurance is live and valid. Bajaj Allianz offers two types of claims – reimbursement claims and cashless claims.

I. Reimbursement Claims Insurance Policy

In this type of policy, you’ll have to spend money from your pocket to recover the damages to your vehicle. Later, the insurance company reviews all the details, and based on approval and verification, reimburses the expenses you incur. To do this, you have to:

  • Visit the insurer’s website or call them and register your reimbursement claim.
  • After successful registration, you will receive a claims registration number
  • Have your car serviced in any garage, not necessarily a network authorized garage.
  • Submit the needed documents to the insurance company
  • After verification, the insurance company will initiate the reimbursement procedure

II. Cashless Car Insurance Claims

In this type of claim, you don’t have to pay for the damages. Once you take your car to the network garage, the insurance company will check the vehicle and after approval, they will pay them directly. You’re only required to pay for minimal expenses related to depreciation. To do this, you have to:

  • Visit the insurer’s website or call them and register your reimbursement claim.
  • After successful registration, you will receive a claims registration number
  • Visit an authorized network garage to initiate repairs where the insurance company personnel will visit
  • Submit the needed documents to the insurance company
  • After verification, the insurance company will initiate the payment instantly.

III. Car Insurance OTS Claims

As the name suggests, OTS is On-The-Spot. This is a new offering that allows you to make claims on the spot for up to INR 30,000 which reaches your account in about 20 minutes. For this, you have to:

  • Download the Bajaj Allianz app and log in with your details
  • Take pictures of the damages and upload them
  • Once the images are verified, the amount you claim will reach your account nearly instantly!

Documents You Need To File A Claim

To file a claim, keep these documents handy:

  • Date of the accident
  • What time the accident occurred
  • Chassis and the engine number
  • Kilometer reading
  • Location of accident
  • Description of how the accident occurred
  • Vehicle inspection address
  • Copy of FIR if there’s a police report, or it’s a theft

Exclusions Of Bajaj Allianz Car Insurance Policy

Car insurance comes with many features which are also some which are excluded. It’s essential to know the exclusions so you can make an informed decision.

  • Expenses on damages or losses because of driving without a valid driver’s license
  • Expenses on damages or losses because of oil leakage
  • Expenses on damages or losses because of drunk-and-driving
  • Expenses on damages or losses because of depreciation of your vehicle or its spare parts
  • Expenses on damages or losses beyond the guidelines of your car’s manufacturer
  • Expenses on damages or losses when the policy is not in force

Steps To Calculate Car Insurance Premium Online

Certain factors influence the premium of vehicle insurance like the model and make of the vehicle, the place of registration, the year of purchase, etc. You can read all about the factors that affect the premium on the Probus website. Alternatively, you can calculate car insurance premiums in a defined and simplified manner with a premium calculator.

Calculator On Bajaj Allianz Official Website

Step 1 – Visit the official website and click on ‘quick quote’

Step 2 – You have to enter some basic details like your name, contact number, any existing Bajaj Allianz policy, car makes, model, variant, registration number, registration date, etc.

Step 3 – Click on get quote

Step 4 – The calculator will calculate your premium and instantly display it on your screen

Frequently Asked Questions

1. Why should I buy Bajaj Allianz car insurance?

Ans: With the uncertainties in life, insurance will ensure you’re always protected. Apart from protection, Bajaj Allianz offers multiple perks like 24*7 assistance, multiple add-ons, easy and quick claim settlement, fast renewal, and cashless cover.

2. What is NCB and is it transferable when I change plans or insurers?

Ans: NCB is No Claim Bonus which is a type of discount you get when you renew your policy. You only get it if you have not claimed anything in that particular year. Whether you switch plans or companies, you can easily transfer your No Claim Bonus.

3. What happens if my Bajaj Allianz car insurance lapses?

Ans: If your policy lapses, your vehicle has to undergo inspection again before you purchase a new policy. If you don’t renew your policy within 90 days, then you lose out on the NCB as well.