Riding a two-wheeler is not without its uncertainties and risks. The Bajaj Allianz two-wheeler insurance plan is specifically designed for scooter and motorcycle riders. The two-wheeler insurance policy provides financial protection in case of a scooter, bike loss, theft, or vehicle damage caused by accidents or natural catastrophes.
The insurance coverage also covers any financial obligation for personal injury or property damage caused by the covered two-wheeler. While Bajaj Allianz bike insurance protects your prized two-wheeler from dangers, it also adheres to the legal requirements outlined in the Motor Vehicles Act, 1988.
To tackle unforeseen road emergencies, you must first comprehend the Bajaj Allianz bike insurance claim process. Bajaj Allianz's claim settlement ratio for two-wheeler insurance is an astounding 95.01%, making it one of the most reputed bike insurance companies. In addition, a robust customer support system, round-the-clock help, and a digitalized claim settlement process provide a smooth experience.
Different Types of Bajaj Allianz Bike Insurance Claims
There are two kinds of bike insurance claims available with Bajaj Allianz :
Cashless Claim
A cashless claim occurs when the insured does not have to pay the entire amount to the repair shop. You get your bike repaired by only paying a tiny mandatory deductible; the remainder is reimbursed directly to the repair shop available under the list of Bajaj Allianz network garages. This is called a cashless claim.
However, you need to intimate the insurer as soon as the incident happens. The surveyor would then come to the incident spot and gauge the extent of the damage suffered by your two-wheeler. Post approval from the surveyor, you can take your bike to the nearest network garage for cashless repairs.
Reimbursement Claim
This way of obtaining repayment after paying for it out of your money is known as a reimbursement claim. In this case, the insurance will not pay you more than the policy limit. Your friend knew a repair business and recommended that you get your bike repaired there.
You took your bike and had your broken bike fixed and paid the bills from your pocket. After that, you submit a claim with all the required documentation and the bills you obtained from the shop. The insurance company compensated you. This is called a reimbursement claim.
Read more - Here are the Answers to All Your Two Wheeler Insurance Claims Queries
How to Make a Cashless Bike Insurance Claim with Bajaj Allianz?
Follow this Bajaj Allianz claim settlement procedure without fail:
Step 1: Contact Your Insurance Company and File a Claim
Begin the claim settlement procedure by contacting the insurer and registering the claim, providing all relevant facts such as the location, time, and place of the accident, details of witnesses (if obtained), and so on.
Step 2: Damage inspection
After making a claim, the insurance company sends a surveyor to the location of the accident to examine the extent of the damage to the bike.
Step 3: Get Your Bike Repaired Post Surveyor's Approval
Tow your bike to the nearest Bajaj Allianz two-wheeler insurance network garage after it has been inspected. You can also request that the insurer arranges for towing.
Step 4: Claim Resolution
The bike insurance company will cover the costs of repairs at the cashless garage. You pay the insurer's mandatory and voluntary deductibles (if any) and ride your bike home!
Read more - Advantages of Cashless Claim Facility in a Two-wheeler Insurance Policy
How to File a Bajaj Allianz Reimbursement Bike Insurance Claim?
If you repair your bike anywhere other than the network garages, you must pay for the repair expenses before the insurer reimburses you. The reimbursement procedure entails the following steps:
Step 1: Contact Bajaj Allianz and File a Claim
Begin the claim settlement procedure by contacting the insurer and registering the claim, providing all relevant facts such as the location, time, and place of the accident, details of witnesses (if obtained), and so on.
Step 2: Damage Assessment
Before the bike is sent for repair, a surveyor is made to visit and inspect its condition. At this point, you must provide all relevant paperwork to the surveyor.
Step 3: Repair and Compensation
You can now take your bike to whatever garage you like and pay for repairs. To begin the reimbursement process with the insurer, submit the repair bills and receipts, along with the necessary papers, to Bajaj Allianz. After reviewing all the facts and accounting for all deductibles and depreciation, the insurer calculates the reimbursement amount.
How to File an Online Claim for Bajaj Allianz Two-Wheeler Insurance?
The following steps will assist you in filing a claim on the Bajaj Allianz official website :
Step 1: File the Claim
Visit the website of Bajaj Allianz General Insurance. Click on the 'claim' button, pick motor insurance and finally click on the 'register online' tab. Proceed after entering your policy number. Check your policy details thoroughly and include the claim information.
Step 2: Upload the Required Documents
After registering the claim, you must upload and submit the necessary supporting papers for review. You can quickly upload the papers required for claim assessment on the Website. Enter your Bajaj Allianz two-wheeler insurance number and claim number to upload and submit your papers.
Step 3: Verify Claim Status
After you've uploaded the papers, you can check the progress of your claim whenever you want. To track the status of your claim, enter your claim number and policy number. The details will flash on your screen.
Read more - Easy Steps to File a Two Wheeler Theft Claim
Conclusion
Bajaj Allianz's two-wheeler insurance secures your two-wheeler against third-party liability, theft, injury, and physical damage. It is a complete insurance policy that covers personal injury. The process of claim settlement of the Bajaj Allianz Insurance policy is simple and quick. You can rely on it.
