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Motor Insurance
Standalone Own Damage Cover for Two-Wheeler
Key Features
Total Protection for Every Journey
Coverage Highlights
Get comprehensive coverage for your bike
Premium
Starting from INR 538*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your bike due to accidents, fire, theft and natural calamities
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your bike breaks down
Inclusions
What’s covered?Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your bike catches fire or explodes
Theft
Financial losses when your bike is stolen
In Transit Damage
If your bike is damaged while being transported, this covers the repair costs
Exclusions
What’s not covered?Depreciation
Normal wear and tear of the bike due to usage and depreciation in value is not covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the bike for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your bike, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Services
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a bike depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your bike's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your bike is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your bike engine
Vehicle Replacement Advantage
Recover invoice value of your bike back in case of theft or total loss
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your bike. It is mandatory by law. | Covers expenses arising out of damage to your bike. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1/2/3 years | 1 Year | 1/2/3/5 years | 1/2/3/5 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| No Claim Bonus | No | Yes | Yes | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | upto 18 Add On's | upto 19 Add On's | upto 19 Add On's |
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Bike with Bajaj Allianz?
Buy Now
Expand Your Coverage Today!
No Claim Bonus Protector
Tooltip text
Keep the bonus intact even after claims
Ensures that one or more claims do not reset your accumulate
At Best Price
24x7 Spot Assistance
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Immediate Help: Round-the-clock roadside assistance
Towing, fuel delivery, tyre repair and many more
At Best Price
Depreciation Shield
Tooltip text
Covers repair costs without depreciation
Full benefits when repairs are done at authorized workshops
At Best Price
Conveyance Benefit
Tooltip text
Cover your conveyance expenses
Daily cash benefit for bike repairs after a major accident
At Best Price
Engine Protector
Tooltip text
Secure Your Bike’s Engine
Protect your engine with coverage for repairs or replacement
At Best Price
Motor & Health Companion
Drive Confidently with Bajaj Allianz
Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
Track, Manage & Thrive with Your All-In-One Health Companion
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Frequently Bought Together
View All
Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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Download the Caringly Yours app from App stores or click "Get Quote"
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1
Register or log in to your account.
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2
Enter your bike details
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3
You will be redirected to the bike Insurance Page.
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4
Ensure to check your No Claim Discount
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5
Choose right Insured Declared Value(IDV) that reflects your bike value
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6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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9
Proceed with the payment using your preferred method
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10
Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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Enter your current policy details
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2
Review and update coverage if required
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3
Check for renewal offers
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4
Add or remove riders
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Confirm details and proceed
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6
Complete renewal payment online
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7
Receive instant confirmation for your policy renewal
How to Claim
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Download our Caringly Yours App on Android or iOS
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1
Register or login to use Motor On the spot claim for a smooth process
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2
Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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4
Receive an SMS with your claim registration number
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5
Fill in the digital claim form and submit NEFT details
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6
Upload photos of damaged parts as instructed
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Upload your RC and driving license
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8
Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Insurance Wallet App
Know More
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For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
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Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
A comprehensive two-wheeler policy covers damages from accidents, theft, fire, natural calamities, and vandalism. It provides third-party liability protection and optional own damage cover. Additional add-ons such as zero depreciation and roadside assistance further protect you from unexpected repair costs and financial losses in an accident.
Yes, under the Motor Vehicles Act, every bike owner must have at least a third-party liability policy. This mandatory coverage ensures legal compliance and protects against damages to third parties. Comprehensive plans add further benefits like own damage cover, personal accident cover, and add-ons to safeguard your vehicle and finances.
Add-ons such as zero depreciation, engine protection, roadside assistance, and consumables cover enhance basic insurance by ensuring full reimbursement for repairs without depreciation, protecting vital components, offering emergency support, and covering non-standard repair items. These extras reduce out-of-pocket expenses and improve overall fina
The no-claim bonus is a discount reward provided for claim-free policy years. When you renew your policy without making any claims, you receive a percentage discount on the premium, reducing your insurance cost over time. This incentive promotes safe riding while lowering premiums and preserving your coverage benefits.
Renewal is simple: log in to the insurer’s portal, enter your existing policy details, and review or update your coverage. You can choose to add or remove riders and check for renewal offers, including NCB benefits. Once you confirm the details and make a secure payment online, your policy is renewed instantly with continuous coverage.
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
The coverage for vehicle insurance can vary depending on the type of policy chosen. Third party liability, third party property damage, personal accident cover, own damage, theft, natural/manmade calamities, etc. are some of the common risks that are usually covered under motor insurance for a vehicle.
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle from damages due to an accident, theft, or natural disasters and damages caused to third party etc.
Third-Party Liability Cover is a type of insurance plan that covers that damages caused to a third-party from your vehicle.
Third-Party Liability covers damages incurred by another person or their property; it's mandatory by law to get a third-party insurance plan for your vehicle in order to drive it in India. Whereas, Comprehensive Motor Insurance covers third-party liability and damages to your own vehicle due to accidents, theft, etc. as per the policy terms.
You may be able to transfer your No Claims Bonus (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.
The no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for people who have long-term insurance policies with the same company.
You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.
Deductible is the amount a policyholder pays out of their pocket before your insurance coverage kicks in; a higher deductible usually means a lower premium.
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
Why juggle policies when one app can do it all?
Download Caringly your's app!
Standalone Own Damage Cover for Two-Wheeler by Bajaj Allianz General Insurance
Owning a two-wheeler is not just about convenience; it's about freedom, adventure, and sometimes, necessity. However, with the increasing number of vehicles on the road, the risk of accidents and damages has also surged. This is where the Standalone Own Damage Cover for Two-Wheeler by Bajaj Allianz General Insurance comes into play. This policy is designed to provide comprehensive protection for your two-wheeler against a variety of damages, ensuring peace of mind every time you hit the road.
Why Choose a Standalone Own Damage Cover?
When it comes to protecting your two-wheeler, a comprehensive insurance policy is essential. To feel safe and confident on the road, having a well-protected plan is helpful and buying insurance is a wise choice. Here’s why:
- Comprehensive Protection: This policy covers damages to your two-wheeler due to accidents, theft, natural calamities, and man-made disasters.
- Cost-Effective: It provides extensive coverage at a competitive premium, ensuring value for money.
- Flexibility: Bajaj Allianz Motor Insurance comes with the facility of 7,200+ network garages for cashless hassle-free services.
- On The Spot Claim Settlement: You can instantly register your bike insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App
Key Features of Standalone Own Damage Cover
Bajaj Allianz General Insurance offers a range of features that make the Standalone Own Damage Cover a must-have for every two-wheeler owner:
- Accident Cover: Covers damages resulting from accidents, collisions, and overturning.
- Theft Protection: Provides compensation if your two-wheeler is stolen.
- Natural Calamities: Covers damages due to natural disasters like floods, earthquakes, and storms.
- Man-Made Disasters: Protection against damages caused by riots, strikes, and vandalism.
- Fire and Explosion: Covers damages due to fire, explosion, and self-ignition.
Benefits of Bajaj Allianz Standalone Own Damage Cover
Choosing Bajaj Allianz for your two-wheeler insurance comes with a host of benefits:
- Cashless Claims: Avail cashless repair services at a wide network of garages(7,200+) across the country.
- Quick and Hassle-Free Process: Easy and fast claim settlement process to get you back on the road without delay.
- 24x7 Customer Support: Dedicated customer support to assist you with any queries or issues.
- No Claim Bonus (NCB): Enjoy discounts on premiums for every claim-free year, making your policy more affordable over time.
Standalone Own Damage Cover vs. Comprehensive Cover
Feature | Standalone Own Damage Cover | Comprehensive Cover |
Accident Damage | Yes | Yes |
Theft Protection | Yes | Yes |
Natural Calamities | Yes | Yes |
Man-Made Disasters | Yes | Yes |
Third-Party Liability | No | Yes |
Personal Accident Cover | No | Yes |
Cost | Lower | Higher |
Tips for Maintaining Your Two-Wheeler
While having insurance is crucial, maintaining your two-wheeler can help prevent damages and extend its lifespan. Here are some tips:
- Regular Servicing: Ensure your vehicle is serviced regularly to keep it in top condition.
- Safe Riding: Follow traffic rules and ride safely to avoid accidents.
- Secure Parking: Park your two-wheeler in a secure location to prevent theft.
- Use Genuine Parts: Always use genuine parts for repairs and replacements.
Rely On the Bajaj Allianz General Insurance For Two Wheeler
The Standalone Own Damage Cover for Two-Wheeler by Bajaj Allianz General Insurance is an excellent choice for those looking to protect their vehicle against unforeseen damages. With its comprehensive coverage, flexible options, and numerous benefits, it ensures that your two-wheeler remains safeguarded at all times. So, why wait? Secure your ride today and enjoy the freedom of the open road with complete peace of mind.
What makes our insurance unique
Our offices will stay open from 29th to 31st March 2025 to assist you with all you insurance needs as the financial year ends | With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144
