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Motor Insurance
Comprehensive Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car 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 car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be 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 car 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.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
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 car 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
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
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 car'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 car 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 car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car 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 car. It is mandatory by law. | Covers expenses arising out of damage to your car. | 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 or 3 years | 1 Year | 1 and 3 years | 1 and 3 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 |
| Add-on: No Claim Bonus | No | No | No | 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 | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Car with Bajaj Allianz?
Buy Now
Expand Your Coverage Today!
Named Driver Cover
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Exclusive Savings: Special discounts for named drivers.
Extended Coverage: Protects any car driven by you.
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
Eco Repairs
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Sustainable Solutions: Repairs using refurbished parts.
Cost-effective repairs with no depreciation on parts.
At Best Price
V Pay
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Ultimate car protection with the option of 22 covers
Towing, pick up and drop, fuel service, flat tyre and more.
At Best Price
Pay As You Consume
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Smart Savings: Pay less based on miles driven
Carry forward unconsumed kilometers to the next plan.
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 car details
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3
You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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5
Choose right Insured Declared Value (IDV) that reflects your car 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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Proceed with the payment using your preferred method
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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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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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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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Register or login to use Motor On the spot claim for a smooth process
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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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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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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
To purchase a motor insurance policy, you typically need to provide your vehicle's registration certificate, your driving license, proof of identity and address. Some insurers may also require additional documents like a previous insurance policy if you're renewing your policy with them.
Yes, you can add multiple drivers to your motor insurance policy; however, coverage for additional drivers may vary based on the insurance provider. You will need to provide the necessary details of each driver, such as their name, age, and driving history. This may affect your premium depending on the risk profile of the additional drivers.
To update your vehicle details on your motor insurance policy, such as a change in registration number or modifications to the vehicle, you need to inform your insurance provider. This can usually be done online through the insurer's website or mobile app, or by contacting their customer service.
An insurance policy endorsement is a modification or addition to your existing motor insurance policy. It can include changes like adding a new driver, updating your address, or including additional coverage options. Endorsements ensure that your policy accurately reflects your current needs and circumstances.
A policy lapse occurs when your motor insurance policy expires due to non-renewal. To avoid a lapse, ensure you renew your policy before the expiration date. Most insurers send reminders via email or SMS. You can also set up automatic renewals or mark the renewal date on your calendar to stay alert.
In case of document loss, contact your insurance provider immediately. Most insurers offer the option to download a duplicate copy from their website or mobile app. You may also request a physical copy to be mailed to you.
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. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
Certainly, 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 long-term insurance policies with the same company.
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 highly appreciated 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.
It's the amount you have to pay out of 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!
Comprehensive Car Insurance: Protect Your Investment
Buying a car is an exhilarating experience, but it also comes with significant financial responsibilities. As a car owner or prospective buyer, understanding the right motor insurance policy is crucial. In India, third-party insurance is mandatory, and failure to comply can lead to legal consequences, including potential disqualification of your driving license.
However, comprehensive car insurance offers far more extensive protection. It covers the repair or replacement costs for any damages incurred to your vehicle due to accidents or mishaps. With comprehensive car insurance, you can safeguard your investment and enjoy peace of mind on the road.
Don't compromise on your vehicle's security. Invest in comprehensive car insurance from your trusted provider and enjoy a stress-free driving experience. Explore our comprehensive car insurance plans today and find the perfect fit for your needs.
What is Comprehensive Car Insurance Coverage?
A comprehensive car insurance policy provides extensive coverage, protecting you from third-party liabilities, damages from accidents, natural or man-made calamities, and more. This type of auto insurance offers comprehensive protection for your vehicle.
Key Benefits of Comprehensive Car Insurance:
- Coverage for damages caused by natural calamities, theft, and vandalism
- Protection against third-party liabilities for bodily injury or property damage
- Option to include additional riders for enhanced coverage
- Hassle-free claims process and prompt assistance
Comprehensive car insurance coverage ensures all-around protection for your vehicle, safeguarding you from unforeseen circumstances. For many car owners, purchasing a four-wheeler is a significant investment, and navigating the uncertainties of Indian roads can be challenging.
Protect Your Investment with Comprehensive Car Insurance
From minor dents to major accidents, unexpected incidents can put a strain on your finances. Therefore, having a comprehensive motor insurance policy is crucial. It helps mitigate the financial burden of car repairs or replacements due to accidents, natural calamities, theft, or other covered events.
Compare Comprehensive Car Insurance Quotes Online
To find the best comprehensive car insurance plan that suits your needs and budget, compare quotes from different insurers online. This will help you make an informed decision and ensure you get the most value for your money.
Comprehensive Car Insurance Add-Ons: Boost Your Coverage
When it comes to comprehensive car insurance, add-ons can provide additional protection and peace of mind. These optional coverages allow you to customize your policy to meet your specific needs and ensure you're fully protected in case of unforeseen circumstances. In this article, we'll explore the top add-ons you should consider for your comprehensive car insurance plan.
1. Engine Protector: Safeguarding the Heart of Your Vehicle
The engine is the most critical and expensive component of your car. While standard car insurance policies may not cover engine damages, an engine protector add-on can be a lifesaver. This add-on covers the costs associated with engine repairs due to oil leakage, water ingression, and other mishaps, saving you from hefty repair bills.
2. Zero Depreciation: Maintaining Your Car's Value
Also known as bumper-to-bumper cover, the zero-depreciation add-on ensures that your car retains its market value in the event of a claim. Without this add-on, insurers typically consider the vehicle's depreciation, resulting in lower claim settlements. If your car is less than five years old, this add-on is highly recommended.
3. Key and Lock Replacement: Never Get Locked Out
Losing your car keys can be a frustrating and costly experience. The key and lock replacement add-on covers the expenses associated with replacing your car's locks and keys, providing you with a hassle-free solution.
4. 24x7 Spot Assistance: Help On The Road
Breakdowns and roadside emergencies can happen anytime, leaving you stranded and vulnerable. With the 24x7 spot assistance add-on, you can rest assured that help is just a phone call away. This add-on ensures that a team is available round-the-clock to assist you with any car-related issues.
5. Personal Baggage Cover: Protecting Your Belongings
Your personal belongings inside the car can be at risk of theft or damage. The personal baggage add-on offers coverage for any loss or damage to your personal items stored in the insured vehicle, providing an extra layer of security.
6. Consumables Expenses: Covering Routine Maintenance
Routine maintenance and repairs can be costly, especially when it comes to consumables like coolant, engine oil, brake fluid, and gearbox oil. The consumables expenses add-on takes care of these costs, ensuring that your vehicle receives proper maintenance without putting a strain on your wallet.
7. Conveyance Benefit: Alternative Transportation Covered
When your car is undergoing repairs after an accident, you may need alternative transportation to commute. The conveyance benefit add-on reimburses you for the costs associated with alternate modes of transportation, ensuring that your daily routine is not disrupted.
By including these add-ons in your comprehensive car insurance plan, you can enjoy enhanced coverage, peace of mind, and a more airtight protection for your vehicle. Explore these options and tailor your policy to suit your specific needs and driving habits.
Who Should Buy Comprehensive Car Insurance?
Are you a new car owner, living in a metro city, a new driver, or a frequent traveller? If you fall into any of these categories, having a comprehensive car insurance policy is a wise decision. Here's why:
New Car Owners: Safeguard Your Investment
Buying a new car is a significant investment that requires proper planning and financial commitment. When you purchase a brand-new vehicle, it's crucial to protect it with comprehensive car insurance coverage from day one. This ensures that your investment is well-guarded against any unforeseen circumstances.
Metro City Dwellers: Protect Yourself from Urban Risks
Driving in tier-I and tier-II cities can be challenging due to heavy traffic, congestion, and increased risks of accidents or theft. A comprehensive four-wheeler insurance policy offers peace of mind by protecting both you and your vehicle from potential liabilities and damages.
Novice Drivers: Stay Covered from the Start
If you're a new driver, having comprehensive car insurance is essential. With limited experience on the road, accidents or mishaps can happen unexpectedly. A comprehensive policy ensures that you're financially protected in case of any unfortunate incidents, allowing you to focus on honing your driving skills without unnecessary worries.
Frequent Commuters And Travellers: Embrace the Journey with Confidence
Are you someone who loves to hit the road frequently? Whether for work or leisure, comprehensive car insurance is your trusted companion. It safeguards you and your vehicle against various risks, such as accidents, natural calamities, or theft, making your journeys more enjoyable and stress-free.
By investing in a comprehensive car insurance policy, you can enjoy the peace of mind that comes with knowing your vehicle and your financial interests are well-protected. Don't leave your car's safety to chance – choose the right comprehensive insurance coverage today.
Comprehensive Car Insurance vs. Third-Party Car Insurance
Feature | Comprehensive Car Insurance | Third-Party Car Insurance |
Coverage | Coverage including own car damages and third-party liabilities | Only covers damages to other vehicles or property and injuries to third parties |
Personal Injury Protection | Yes, covers personal injuries to you | No, does not cover personal injuries to you |
Add-Ons | Available (e.g., engine protection, zero depreciation, 24/7 spot assistance) | Not available |
Best For | Complete protection and peace of mind | Basic legal requirement and minimal coverage |
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
