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Sales: 1800-209-0144| Service: 1800-209-5858
Service Chat: +91 75072 45858
What’s in it for you
VPAY- An Add-on Cover
A one-stop solution for all your motor own damage related worries
Awarded Best Motor Insurance by Money Today
On the spot claim disbursements
7200+ Cashless
Network Garages
Zero Depreciation
Cover
24/7 Spot
Assistance
98% Claim Settlement
Ratio
Car Insurance is a contract you and your insurer enter into, to protect you from financial damages caused by unforeseeable circumstances like accidents, theft, and even natural calamities. The Government of India has made it mandatory for all car and four wheeler owners to have a third-party car insurance policy. This policy covers the damages caused to life and property of individuals, other than you, affected by an accident your car unfortunately becomes a part of. The other most common form of insurance is Comprehensive Car Insurance. It helps you cover majority of the liabilities you might attract if your car gets damaged in a social unrest, natural calamity, or even gets stolen in a case of theft.
*Comprehensive Car Policy means Package policy, henceforth on the page wherever Comprehensive Car policy is mentioned it means Package policy.
As a car owner, it is important for you to have the right four wheeler or car insurance policy. When searching for car insurance online, make sure you completely understand the nature and terms & conditions of the policy. Bajaj Allianz General Insurance is here to help you navigate the journey of having our own 4 wheeler or car insurance with a seamless process
We know how much you love your car! You have probably traversed thousands of kilometres together, spanning the length and breadth of your city, and when hit by the travel bug, even cross country! From ‘’Just Married” to “Baby Aboard”, it has probably announced it to the world when you got hitched or welcomed the new arrival(s) in your life. On occasion, it may have also served as a makeshift shelter when you were camping in the hills!
As an expression of your personality, we’re sure you have always taken utmost care of your vehicle.
But given the unpredictable nature of life, you know that accidents can happen at any time. Statistically, the odds of a road accident can never be predicted accurately. Keep your vehicle on the road longer, and get better returns on investment with the Best car insurance policy your vehicle deserves!
While it cannot prevent accidents from happening, it can give you the financial cover to cushion you from any accidental loss. Like a pedigreed racehorse, you’d want nothing but the best accessories and spares for your car. Add Best Car Insurance Policy to the list of must haves!
Secure your smiles per mile
Get a QuoteWhen you buy car insurance online, ensure you have the soft copies of the following documents in hand to seamlessly complete the car insurance application or process in minutes -
Depreciation shield
This is an add-on you could add to your comprehensive car insurance policy. To understand what zero depreciation is, let’s first look at depreciation. Read more
This is an add-on you could add to your comprehensive car insurance policy. To understand what zero depreciation is, let’s first look at depreciation.
Cars are highly valuable until you purchase. From the time you purchase, your car is subjected to depreciation, which means that it is losing its value in the market as it gets older. Not just the car but the spare parts powering your car as well. That is why older cars have a low pricing in the market than their recently-purchased counterparts.
With the zero depreciation cover add-on, what you are basically doing is nullifying the depreciation associated with your car. This means that your car, technically, does not lose value in the market as the depreciation of your car is not considered by your insurer.
So, when you claim your insurance, you receive full value for your car and all of its spare parts. Bumper to bumper cover incurs the most expensive premium and is worth every penny shelled. We highly recommend this add-on especially if your car is less than 5 years old.
Features
Engine Protector
Engine is one of the most crucial parts of a car. Unfortunately, however, the expenses you incur on the damages to your car’s engine are not covered under standard car insurance. Being one of the most Read more
Engine is one of the most crucial parts of a car. Unfortunately, however, the expenses you incur on the damages to your car’s engine are not covered under standard car insurance. Being one of the most expensive parts for servicing, you end up spending more to recover your car’s engine from an accident.
That’s why the engine protector add-on is the most ideal solution to feature in your insurance policy. It covers expenses arising due to water ingression, oil leakage, hydrostatic lock and more. This helps you save up to 40% of the amount you would spend on getting your car’s engine fixed.
Features
24/7 Spot Assistance
One of the most helpful add-ons for your car insurance, this ensures you are never stranded on the road due to any concern associated with your car. Our team is just a call or a click away to assist you or get to Read more
One of the most helpful add-ons for your car insurance, this ensures you are never stranded on the road due to any concern associated with your car. Our team is just a call or a click away to assist you or get to you to help you deal with a car situation regardless of where you are stuck in India.
So, no matter if you have to get a tire changed, or have an expert look into your car’s engine or need assistance in settling an accident, you can reach out to us at any time and we will be there by your side in a very short duration.
Features
Key And Lock Replacement
Car keys are some of the most misplaced items in the world. From forgetting them at a restaurant to losing them at your own home, car keys are easily overlooked. Sadly, there are expenses involved in Read more
Car keys are some of the most misplaced items in the world. From forgetting them at a restaurant to losing them at your own home, car keys are easily overlooked. Sadly, there are expenses involved in getting new keys for your cars as it’s not just the key that has to be replaced but the entire locking system as well.
That’s why this add-on is here to reduce the expenses you are likely to incur because of misplaced or lost keys. We take care of the entire purchasing and replacing of your car’s lock and keys.
Features
Consumable Expenses
Like we said, buying a car and maintaining a car are two different things. There are frequent expenses involved when it comes to the maintenance of your car. From servicing spare parts to replacing them, Read more
Like we said, buying a car and maintaining a car are two different things. There are frequent expenses involved when it comes to the maintenance of your car. From servicing spare parts to replacing them, there are expenses surrounding your car all the time. And we are not even talking about the different types of car oils that need to be changed every now and then and during an accident.
With the consumable expenses coverage, you can let us take care of the expenses involved in the use of consumables for your car at the time of claim or post-accident.
Features
Consumables expenses involving
Personal Baggage
A car is your personal and private safe where you leave your belongings inside until your work outside is done. From laptops and expensive gadgets to money or money’s worth of valuables, Read more
Personal Baggage
A car is your personal and private safe where you leave your belongings inside until your work outside is done. From laptops and expensive gadgets to money or money’s worth of valuables, you keep materials inside your car very frequently.
But this is not without its threat, where it is subjected to instances like thefts and burglaries especially when you leave your car in less populated avenues or remote places. That’s why the personal baggage add-on protects your personal belongings and covers the loss you incur because of damage or their theft from the car.
Features
Conveyance Benefit
Another highly convenient add-on, where we take care of the little yet significant concerns you are likely to face in your everyday life post an accident. Read more
Another highly convenient add-on, where we take care of the little yet significant concerns you are likely to face in your everyday life post an accident.
When your car is getting repaired in a garage and after your claim is accepted by us, this add-on ensures you get paid from us for your everyday commute. With this, you don’t have to worry about burning a hole in your wallet for the daily cab or transportation charges you are likely to pay during your car’s servicing.
Features
VPAY
Industry’s first game changing add-on cover that can simplify motor insurance related worries like never before. This new age cover offers 360° coverage and umbrella protection for all motor own damage needs of Insured vehicles. Read more
Industry’s first game changing add-on cover that can simplify motor insurance related worries like never before. This new age cover offers 360° coverage and umbrella protection for all motor own damage needs of Insured vehicles. It will liberate you from not only answering numerous questions asked at the time of claim but will also free from the hassles of choosing an array of add-ons to protect your private car. An add-on cover that provides a balanced solution for the vehicle insured catering to both conventional risks, addresses emerging risks and increasing cost of ownership. Under the Own Damage section of V-PAY, we are offering two plans to customers: Elite and Classic cover. VPAY plans offer below unique benefits such as:
Features
*T&C apply
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
It is absolutely vital that you renew your expired four wheeler insurance as early as possible. Like we saw, the primary reason for this is to avoid legal complications as it is illegal to drive without a valid insurance policy.
Apart from this, there are two major reasons you should renew your car insurance immediately –
To Avail Your No Claims Bonus
When you don’t renew your policy, you will lose out on your no claims bonus you are eligible for. Your bonus accumulates over the years to fetch you good discounts and other benefits. If you don’t renew, they would lapse.
Financial Burden
Without a car insurance policy, you should bear the financial burden that stems out of misfortunes like accidents or damages to your car. You will have to pay from your savings or pocket for the recovery of your car. To prevent financial burden of any sorts, renewing four wheeler insurance is highly recommended.
You can renew car insurance online seamlessly.
We may not have the power to prevent them but we will cover your car against naturally occurring calamities such as fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
Man-made calamities reveal the dark side of humanity but we will help lessen the blow by covering your car against burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity and any damage during transit by road, rail, inland waterway, lift, elevator or air.
Your car is precious, yes, but so are you. The Personal Accident cover provides coverage of ₹ 15 lakh to the owner-driver of the car while driving or travelling and while mounting or dismounting. Optional personal accident cover for passengers and paid driver is also available.
If you happen to be involved in an accident that results in damage to property or loss of life of a third party individual, we help you cover the legal obligations arising from it.
Normal wear and tear and general ageing of the vehicle and consumables like tyres and tubes is not covered. Neither is depreciation or any consequential loss.
We promote safe driving and hence, any damage caused to the vehicle by a person driving it under the influence of substances like liquor or drugs is not covered.
Since getting your wheels on the road without a valid license is illegal, we too do not cover damages caused by a person driving the vehicle without a valid license.
Just like in a zombie apocalypse, the situation during war, mutiny and nuclear risk, is chaotic and uncontrollable and any damage to your car during such events is not covered.
(Based on 16,977 reviews & ratings)
Siba Prasad Mohanty
The vehicle was used by our Zonal Manager Sir. We appreciate the timely and speedy action initiated by you in getting the vehicle ready for use within short span of time. The action has been appreciated by all.
Rahul
“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. With the add-ons and comprehensive plans,...
Meera
“OTS claims was a blessing in disguise.”
I was in the middle of the road when a mishap happened. With cash crunch, I was looking for ways to get my car serviced without affecting my monthly budget...
The Motor Vehicle Act of 1988 mandates that every vehicle shall have an insurance policy. An insurance policy provides a blanket cover protecting you from financial losses due to accidental, theft, or otherwise. Additionally, car insurance also compensates for damages to co-passengers and other vehicles.
The first-time offence of driving without car insurance levies fine of ₹ 2000/- and/or incarceration of up to 3 months. Repeated offence will invite charges of ₹ 4000/- and/or imprisonment of up to 3 months.
Package Car Insurance (Comprehensive Car Policy): This insurance covers a wide range of incidents, including damage to your own car, as well as other vehicles or property.
Third-Party Car Insurance: This insurance covers legal obligations that may arise due to an accident caused by the insured driver.
Usage-Based Motor Insurance: This type of policy allows drivers to pay premiums based on the number of kilometers driven.
For better accessibility, customers can avail of Two-Wheeler, Car Insurance, and commercial vehicle insurance online. Following a simple process of submitting the details, you can obtain the final quote before moving ahead. However, the quotes may vary depending on several factors.
Select a reputed insurance provider followed by their claim settlement time and ratio. Check for the added features like garage network, cashless claims, accessibility benefits (online payments and claims). Run a comparative analysis before selecting your ideal insurance provider.
Follow the procedure to get car insurance online:
#1 For new car insurance click on “Get a Quote.”
#2 To renew the existing policy, click on Renew.
#3 Fill in the vehicle and your details.
#4 Select a quote.
#5 Pay the said amount, and the policy will be emailed in the pdf format.
Buying insurance online is akin to shopping from any online store. The product differences apart; the entire process is like what you are exposed to with any other domain. With top-notch SSL security certifications, data privacy and security is ascertained.
The online car insurance policy buying process will be over before you know it. This is provided that you have all the documentation and information ready. In this case, it won’t take more than 5 minutes to complete the process. *
It is matter of few minutes.
Your insurance policy is available on the Bajaj Allianz website, and it can be accessed and downloaded with your account details. A coloured or monochrome printout of the policy will be legible and accepted as the original copy.
Well, the answer to this question lies in your policy documents. It is a unique 10-15digit number provided by your car insurance company. It is generally present in the insurance documents, or on the statements issued by the company.
The paperwork of your car insurance policy contains the data of inception and expiry of the policy. To stay updated about its status, you need to check the date of creation periodically. It is also essential to renew it before expiry.
If you have lost your car insurance policy document, inform us immediately by either contacting the customer service representative at 1800-209-0144 or sending a message via live chat portal on the Bajaj Allianz website.
While buying a car insurance policy online, you will be offered with various payment methods like:
● Internet Banking
● Credit card payment
● Debit card payment
● Online Wallets with UPI Payments
You can switch to a different plan but switching your insurance policy midway is not recommended.
The vehicle which is registered as private car with concerned registered authority is known as Private Car.
Contrary to popular opinion, any car that is used for domestic, residential, and social causes, including business purposes is a private car. However, the vehicles that are fitted with a carriage for loading goods for the insured individual or the passengers is not a private car
Discounts and offers including the Claims Free Experience, Opting Voluntary Excess, Membership with Approved Automobile Associations, and Installing approved Anti-Theft Devices are applicable under private car insurance policy.
In case your car breaks down or meets with an accident in the middle of the road without access to mechanical help nearby, the Roadside Assistance program services are available for the insured under Bajaj Allianz.
Any event that leaves you stranded without adequate help or assistance, like in case of a mechanical breakdown or an accident.
Over time, any object loses its value perpetrated by factors such as age, damages, wear and tear, among others. Similarly, the reduction in the monetary value of the car due to such factors is called depreciation.
While executing the claim process, every insurance company deduct some amount from the final claim value. The deductible amount varies with the type of vehicle under question. The deducted amount is called a compulsory deductible.
This amount that you agree to pay in the wake of a claim executed by the policyholder. However, this amount is in addition to the compulsory deductible. Higher voluntary deductible means lower premium and vice versa.
In case your driver incurs an injury or loses his life while driving your car, you are liable to pay for the losses to him or his family. At Bajaj Allianz, we will cover the cost for you at an additional premium.
Provided that you state your membership status at the time of purchasing the insurance policy, you are eligible to claim a discount.
1*3= New
1*1=rollover
0*1= TP rollover
0*3=TP New
For a new car, a minimum of 3 years Third Party insurance policy is compulsory in addition to a 1-year of 3-year Own Damage cover. For old cars, however, a 1-year policy cover is mandated.
Post-expiration, you can do a self-inspection of the car, upload the pictures for the review and get an instant online 4-wheeler insurance policy after successful online payment. This arrangement is, however, possible for private insurance and not applicable for TP cover.
Car insurance for a holder of learner’s license is essential; a novice driver might be more vulnerable to untoward incidents. It is possible to buy insurance for a learner’s license holder, but the premium will be higher than the average
The car insurance policy is applicable for use across the country. However, in case of an address change, it is advised to inform the insurance company to reduce friction in the claims processing, if needed.
Endorsement acts as evidence of the pre-agreed edits or alterations to the insurance cover. Out of the two types of endorsements, premium bearing invites extra fees for changes in the cover. On the contrary, non-premium bearing endorsements do not include any charge for the same.
You can submit an endorsement request online for a limited number of changes. These include Address, Car, RTO, LPG or CNG Kit addition, anti-theft devices, policyholder name, car’s engine number, or even the chassis number.
Loading is a type of cost added to the premium amount in the event of renewing the car insurance policy. However, the applicability of this additional amount is subject to the assessment of the policyholder’s risk continuum. In case, the risk is higher than normal, loading is added.
Expanded as No Claim Bonus, this form of arrangement is awarded to the policy owners if they have never lodged a claim on the policy.
The transfer of the existing insurance policy on your car is possible by an endorsement. To complete the process, you need to submit a copy of the RC (old) and some other essential documents.
You can transfer the No Claim Bonus to the new car insurer with a few easy to do formalities. In addition to this, some insurance providers also allow the transfer of NCB to a different insurance provider.
Yes, of course. According to relations with Car Insurance Company, and an NCB earned through your insurer, we will gladly provide you with new and better NCB offers and discounts. We believe in providing the best service to our customers.
With certain simple steps and easy processes, your Car Insurance online policy documentation is complete. We require no absolute paperwork but, in some instances where VIR is required, satisfactory documents are to be inspected and submitted on demand.
The four-wheeler insurance policy can be cancelled after the customer submits a cancellation request. However, it is obligatory to insure your vehicle with another provider before initiating the cancellation process. It is a seven days process, and if there is a premium overdue on the insurer’s side, it will be paid back.
Premiums are refunded with certain conditions and calculations on the pro-rata basis. We recommend you to calculate all short rates before cancelling the Car Insurance Policy because once the Car Insurance Company cancels the Policy, only then the refund is possible.
According to The Motor Vehicles Act, 1988, owners of uninsured vehicles can be charged with imprisonment and/or penalties. With the lapsing of the car insurance policy, all the accrued benefits are also eliminated.
The process of renewing your car insurance online policy is pretty simple. Just visit the Bajaj Allianz website, click on renew, and enter all your necessary details to renew your policy. Some of those essential details are vehicle model, variant, RTO, no claim bonus, type of plan, etc.
Car Insurance is regulated by the Motor Vehicles Act, 1988 which is a nationwide legislation. Seeing to this, any car insurance policy that you purchase will be applicable in pan India provided that you renew it before the lapse date.
A comprehensive car insurance policy covers damages caused due to a variety of risks. This includes cover against collisions, theft, fire, lightning, personal accidents, calamities like earthquakes & landslides, inundation, and even third-party liabilities.
A third party only cover is another type of insurance policy that offers you the minimum level of insurance cover. To obtain the TPO, you can either get in touch with one of our agents or follow the iterative process online.
All the relevant details related to the comprehensive car insurance policy cover can be found on the Bajaj Allianz website’s policy page. To get a more in-depth insight into the terms and conditions, download the policy-specific terms or wordings from the website.
Yes, you can easily buy a standalone own-damage car insurance policy for protecting your vehicle. However, it is necessary for you to have a long-term third-party insurance policy with Bajaj or any other insurer.
As it is clearly stated that the vehicle’s repair damage is less than your insurance cover, all of the additional amount required to repair your damaged vehicle has to be paid by you as per your car insurance online policy conditions.
There are some conditions in the vehicle insurance policy for which the insured person does not get any claim in case of a mishap. Those conditions are termed as exclusions. If your reason for claiming is in the exclusions section, you will not get the compensation.
If you want to customise your vehicle insurance policy for some extra benefits and protection, opt for the add-on covers. Add-on Covers by Bajaj Allianz includes 24*7 spot assistance, Engine Protector, and Lock and Key Replacement Cover., Zero Dep, Consumable expenses, Baggage Cover. Accidental medical expense.
After accident, as per the standard Motor cover designed by co. authority some of the portion of losses are not covered. With the increase of cost of vehicle, technological advancement, this portion are getting bigger day by day through add-on cover.
Even though our policy provides a cover for the major incidents that a driver can face, apart from this, there are a few instances exclusive to a specific area or region, type of car, and so on.
Add-on covers are always attached to the pre-existing insurance on your car. Thus, you cannot purchase add-ons without first buying a policy cover from Bajaj Allianz.
Add-on covers provide an extra layer of security and safeguards you from additional expenditure due to unprecedented situations. Seeing to their importance, there are no restrictions to buy add-ons over your car insurance policy.
To insure the person driving the car, you need to buy car insurance policy with the Premium Personal Guard policy in addition to the comprehensive policy for your car. This provides a 360° coverage of costs for the losses to the car and the driver.
The personal accident policy or premium personal guard provides you with the option to inculcate the policy coverage for the passengers. In addition to the driver, this policy can insure 1 to 3 passengers.
The Engine Protector Add-On gives you policy coverage for the damages done to the engine. With a small addition to the car insurance online premium, you can get the extra coverage safeguarding from the engine repair expenditure.
In case, the electrical fire is sourced from an accident; then it will be covered under the comprehensive insurance policy.
A bumper to bumper insurance policy ignores the car’s depreciation and provides the absolute compensation of the car at the market value in case of damage or total loss. However, this policy coverage invites a higher premium.
Electronic accessories are all the appliances in the car which run with electricity. Non-electrical accessories consist of car seat covers, wheel covers, mats and others. Both types of accessories can get protection in exchange for some extra premium over and above the standard premium.
Only the company or manufacturer-fitted LPG or CNG kits are included in the Registration Certificate. Bajaj Allianz cannot provide four wheeler insurance coverage for the kit that is not mentioned or addressed to in the RC.
Any sort of additional accessory can get insurance policy coverage subject to a formal request addressed to the four wheeler insurance provider. However, the additional coverage will also lead to a higher premium.
Yes, having two insurance policies for a single car is possible and legal. However, one car insurance online provider will not insure one vehicle twice, so, you need to buy the following policy from a different provider. Having two insurance policies is not recommended.
Third-party insurance benefits the other affected party, but a comprehensive insurance policy will help the primary policyholder (you) recover your losses in case of an accident. A comprehensive car insurance policy ensures financial cover in case of fire, theft, accidents, earthquake, etc.
No, it is not possible to pay the insurance premium in instalments. If you are purchasing a car insurance policy, it is mandatory to deposit the entire premium amount in one go. No insurance provider will accept the premium in instalments.
Yes, the model of your car affects the final acceptable value of your car insurance. This is because the brand and model of your car decides its price and the insured sum in your policy is dependent on the cost of the car.
Yes, the geographical location has an impact on the four wheeler insurance premium. If you live in a densely populated area of the country, the chances of accidents will be more. Hence, the amount of your insurance premium will be proportional to such specific conditions.
When you buy car insurance policy, the final quote can vary because of various factors. Some of the prominent ones are:
● Car’s Model and Make
● Car’s Age
● IDV (Insured Declared Value)
● Add-on covers
● Type of four wheeler insurance cover
● No-claim bonus
● Geographical location
● Cubic Capacity
The procedure to calculate the car insurance premium is pretty simple. Visit the Bajaj Allianz’s website and submit a few details like a car manufacturer, model, age of the car, location, the type of insurance cover along with other details. The website will calculate the premium amount for you.
Yes, the premium of your car insurance will be less if you choose a lower IDV. However, it is not recommended. Low IDV will lead to less premium for your car, but in case of theft or total loss, you will not get the correct market value for your car.
Online payment of four wheeler insurance premium is the most convenient way. In addition to this, there are various modes through which you can pay your car insurance premium online like:
● Internet banking
● Debit card
● Credit card
● UPI
With the NCB feature, the Car Insurance premium may reduce up to a specific percentage year after year, if no claim is raised. It is certainly proven to be a beneficial factor in the long term Insurance policy with the same company.
The increase in premium is subject to the needs, and it majorly falls within the affordable range. We provide four wheeler insurance policy services stating all add on benefits and factors, specifically suiting your vehicle type, model, age, etc. You can select and apply accordingly.
Staying with a single insurer for several years does not entitle you for a discounted premium Car Insurance policy. It is not incorporated in the policy of the firm, but we offer other benefits which return the favour beneficially.
With your own installed anti-theft device, you provide an extra security blanket for your vehicle. If ARAI approves it, your policy integrity improves, and you enjoy a relatively low car insurance premium and other additional offers and discounts.
Special discounts are specified for ARAI approved anti-theft alarm and locking systems. With the installation of the system, the Car Insurance policy premium is discounted further based on the guidelines of the insurance company. So yes you are eligible for the discount.
The Insurance Regulatory and Development Authority of India has sanctioned 15% of discounted premium rates if you buy car insurance for electric cars in comparison to general private cars. It is under the New Third Party cover premium rates.
Very few 4 wheeler insurance providers offer special discounts for critical illness insurance to differently able insured. Various schemes are introduced by the government, which covers basic medical treatments.
Let us know when you want to raise a claim on 4 wheeler insurance, and we will guide you on each step. Contact on toll-free customer care number, or your insurance agent directly on the number available with you. All the required steps will be detailed and guided.
Steps to initiate an insurance claim:
1. Inform your car insurance company or agent to inform us about your current situation.
2. Source of information could be email, call, text or an online application.
3. Filing an application and providing us with all the required information.
Claims should be registered on the same day as the damage occurs to the insured vehicle. An immediate update with the 4 wheeler Insurance Company will be highly appreciated. Complete the claim application through an online process and let us help you further on.
If you plan to claim the car insurance, do not move your vehicle from the accidental spot until after you have informed the insurance company. Take the pictures as a valid proof for the claim. If you move the vehicle, it may complicate the procedure.
Regular rules of the policy apply even when someone else was driving your vehicle. Act quickly and inform your agent after reporting the accident to the police, so that the car insurance online claim can be processed. Documenting the accident helps in the procedure.
1. FIR filing with the police department nearest to the place of theft occurred.
2. Informing the online 4 wheeler Insurance company and submitting the claim form along with the documents required.
3. The agents allotted in your case will take the procedure forward and assist in claiming the insurance.
Documents such as claim form, Policy number, Details of 4 wheeler Insurance, Policy cover/ note copy of insurance, the original Driving license of the person driving at the time, FIR in case of an accident, RTO intimation theft application, repair bills and payment receipts for repairs and any other documents demanded for the process.
Right after the accident. Filing the first information report with the police is the first step towards the process. It is mandatory either in case of accident or theft of the vehicle. In any situation, keep your car insurance online policy on you or in a vehicle and inform your online four wheeler insurance company.
For not claiming the minimal damage, the additional bonus or discount is accumulated with the NCB, next year. It provides you with minimal cost of the premium on your car insurance policy and lesser repair amounts too. It benefits you in the long term.
The claim will be verified even after the policy expires because the incident which occurred is within the timeline of the car insurance policy. You are eligible for the claiming process, as the claim will be valid with the Insurance Company.
The timeline for a claim to settle is dependent on the extent and type of the online car insurance policy. For a simple damage claim, the process is rather simple and can be settled on the same day. For more convoluted issues, the proceedings can be delayed based on the requirements of the documents.
With the tie-ups with the selected garages, most Insurance companies provide cashless car insurance policies. In this type of policy, the insurance company directly pays the garage for the repairs. But the parts which are not covered under the policy are payable by you.
It is a straightforward process to locate our garages in your current city:
1. Go to our website
2. Go to the options menu > go to the Level 1 option > select Branch Locator
3. Branch Allianz locator > select Find a Network Garage > select Bajaj Allianz map
You can punch your pin code, and our garages will be presented on your screen.
You can, and we will reimburse you for your expenses at the garages of your choices. However, if the customers need our assistance to explore the garages in our network, our team can also provide the pick service.
The Reimbursement claim underlines the process whereby a customer claims the insurance amount after paying himself for the repairs done on the vehicle. The claim amount is reimbursed based on invoices submitted by the customer with the car insurance company.
First and foremost, inform the police and document the situation, if you can. In case of an accident, do not move the vehicle and inform the agent or car insurance company to inspect. Documents requested should be submitted depending on the claim.
The term CTL is accorded to a situation when the monetary extent of the loss or damage to your vehicle is higher than 75% of Insured Declared Value or IDV of the vehicle stated in the four-wheeler insurance policy.
It depends upon the car insurance company or on the exhaustion of IDV. Further, is the prerogative of the insurance company whether to allow multiple claims or not. More details about the claims are mentioned in the policy documents.
You can contact your car insurance company or your agent to cancel your claim. Your agent will be available to help you through the process. If not this, then you can also use our online services
Contact us on: bajajallianz.com.
Services Chat: +91 75072-45858
Customer care: 1800-209-0144
Personal accident claims can be raised only when you are the owner of the vehicle, driving the car yourself. Also, it applies when the car insurance policy of the vehicle is in your name.
In general, car insurance claims are not taxable.
It's possible for car insurance premiums to increase after filing a claim, depending on the circumstances of the claim and the insurance company's policies.
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