Bajaj Allianz Car Insurance FAQs

Bajaj Allianz car insurance offers a variety of add-ons with its comprehensive policy. The add-ons are as follows –

1. Personal Baggage- 
   Personal baggage add-on cover protects your personal belongings and covers the losses that you may incur because of damage or theft of the personal belongings from your car.
2. Zero Depreciation- 
   Zero depreciation add-on cover helps you to nullify the depreciation associated with your car. With this add-on cover, when you claim your insurance, the insurance company will pay the full value of the car and all of its spare parts without deducting any cost of depreciation.
3. Conveyance Benefit- 
   Convenience benefit add-on insurance helps you to pay for your daily conveyance during which your car is getting repaired in a garage. It includes the daily cab or transportation charges for the period of your car servicing.
4. Key and lock replacement- 
   Key and lock replacement add-on reduces the expenses resulting due to misplacement or loss of the car keys. The insurance company will replace and purchase the car’s lock and keys on your behalf.
5. Engine protector- 
   Engine protector add-on covers the expenses arising due to oil leakage, hydrostatic lock, etc. and protects your engine from wear and tear. It pays for the damages caused to the engine and engine parts, differential parts and gearbox and gearbox parts.

The Incurred Claim Ratio for Bajaj Allianz motor insurance policies for 2018-19 is 62%.

When you buy Bajaj Allianz’s car insurance policy, the policy document is automatically sent to your email ID. If you want to download the document again, you can visit https://general.bajajallianz.com/BagicNxt/OnlinePrint/printbagicpolicy.jsp and provide your policy number and registered mobile number. A UIN would be generated which you should enter and provide the registered email ID. Then you would be allowed to download the e-policy online.

Bajaj Allianz’s Caringly Yours application gives you instant settlement for minor claims. For other claims raised digitally, the company takes about 20 minutes to settle the claims. For complicated claims, however, there might be a few days before which your claim would be settled.

To check your claim status, visit https://general.bajajallianz.com/BagicNxt/b2c/customer/claim_enquiry_new.jsp and enter your policy number and claim number and the claim status will be displayed.
 

No, currently the company does not offer Pay-as-you-Go car insurance plans.

From a convenience perspective, online renewal seems better than offline procedure. However, people who are not used to technology much may prefer to visit the branch.

Yes, you can always choose between the two options available during the policy period.

Yes, with a comprehensive car insurance policy, you are entitled to get add-ons such as zero depreciation and NCB in your Bajaj Allianz Car renewal.

No, it may not every time necessarily be needed by the company to inspect your car unless it has not been insured for a while.

You can contact the customer care department of the company on 1800-209-5858.

No restrictions are levied on the number of times you can file a Bajaj Allianz four-wheeler insurance claim. However, frequent claims can minimize the protection.

If you fail to file an insurance claim on time, your claim might be rejected.

No. Scratches are not covered in the insurance policy.

Producing proof of an accident is mandatory while claiming car insurance. This increases your chances of getting a claim rejected.

Yes, you can cancel your car insurance. You will receive all the money you paid in the form of premiums minus the penalty. However, it is not advisable to cancel your car insurance as driving your car without the same on Indian roads is a punishable offence.

You can call 1800-209-0144 or 1800-209-5858 at anytime 24*7 for any assistance.

In case you have lost the original papers or they are stolen, you can request the company to issue a duplicate copy by contacting their customer care team.

Yes, you can download the policy document with the company's mobile app.

Yes, you can get an NCB on your comprehensive car insurance policy from Bajaj Insurance, subject to the terms and conditions.

You should apply for duplicate policy documents in case the documents are lost or stolen. Then afterward, you can apply for the claim.

The Motor Vehicles Act, 1988, mandates for all motorised vehicles to carry insurance. Cars need to have either comprehensive or third-party insurance for them to become road-worthy.

Add-on covers are optional and applicable as per the owner’s risk appetite. However, in light of the rise in road accidents and the growing risk to your vehicle, it is advisable to carry car insurance add-on covers.

Choosing the Bajaj Allianz car insurance add-on covers should solely depend upon your specific needs and requirements. It should also depend on how much premium you can afford to pay. It is advised to choose add-ons wisely.

In any scenario where your vehicle suffers damage, the applicable Bajaj Allianz add-on covers become automatically active when you file a claim.

Add-ons are additional covers that car owners can avail on top of their base policy. This directly implies that as the number of add-ons increase, the payable premium also increases. Therefore, add-on covers and policy premiums are directly proportional to each other.

The zero depreciation cover can be claimed for a maximum of two times during the policy period.

Comprehensive car insurance offers the most extensive protection for your vehicle. While the premiums are higher as compared to the other alternatives, you get the maximum claim settlement in the event of a mishap.

The coverage under a comprehensive insurance policy can be extended through Add-on coverages. You can choose from among the several options available for you.

While the Motor Vehicles Act, 1988 does not mandate comprehensive cover for four-wheelers, such a policy can help ensure your peace of mind.

Comprehensive car insurance policies offer the most extensive coverage for your vehicle. While they are costly, the degree of coverage helps ensure your safety and protects against losses in the event of an accident.

A penalty of INR 2000 (for the first time) and INR 4000 (for repeated offense) is imposed offense and/or imprisonment of up to 3 months.

Yes, you can port the same. Contact  at 1800 209 5858 to know the detailed procedure.

Yes. Third-party car insurance will provide you coverage in case you cause vehicle or bodily damage to a third party in an accident.

Bajaj Allianz's third-party car insurance premium is lower than the premium of comprehensive insurance because third-party insurance offers limited coverage.

Visit the insurer's website. Click on the Renew Premium option. Use your listed email address and password to log in. Make the payment, and your policy will get renewed shortly.

It's important to remember that the insurance covers the car that the owner purchases. This means that the insurance must be purchased in the same name as the vehicle. It facilitates a smooth claim payout process. If there is a difference in the car owner's name or address, the insurance company may reject the claim outright.

Yes, an extra premium of zero depreciation add-on would be included in your comprehensive policy hence your final premium payment would rise.

Zero depreciation cover protects all automobile parts made of plastic, fiber, wood, and metal from harm. It pays for painting and dent repair according to policy guidelines.

Bajaj Allianz's special application Caringly Yours helps you receive immediate payment for minor claims. The corporation takes around 20 minutes to settle other disputes raised digitally. However, for intricate claims, it may take a few days before your claim is resolved.

No, if you purchase a new car, you must obtain insurance for both vehicles individually. You cannot have the primary insurance coverage for two cars at the same time, according to the rules. Bajaj Allianz, on the other hand, offers personal accident coverage for two automobiles under one insurance.

Users can acquire electrical or electronic equipment protection as part of their online car insurance coverage, but only as an add-on to their existing insurance policy.

To obtain insurance online is the most convenient and effective. Standalone car insurance may be purchased online in 3 to 5 minutes. However, before purchasing a plan, you should do your homework.

An automobile insurance coverage can be purchased without any additional requirements. If you have a lawfully purchased car in your name, you are eligible for any type of motor insurance coverage from Bajaj Allianz.