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Motor Insurance
Compulsory Personal Accident Cover
Key Features
Comprehensive protection for you and your loved ones in case of an accident
Coverage Highlights
Protect Your Journey with our compulsory personal accident cover
Personal Accident Cover
Up to INR 15 Lacs
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
Financial Protection
Secure financial support for you and your beneficiaries in case of accidents
Inclusions
What’s covered?Accidental Death
Provides financial support to your beneficiaries in case of your accidental death
Permanent Total Disability
Offers compensation if you are permanently and totally disabled due to an accident
Permanent Partial Disability
Covers financial losses from permanent but partial disabilities caused by an accident
Temporary Total Disability
Provides benefits for lost income during your temporary total disability from an accident
Exclusions
What’s 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 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.
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
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
Know More
Coverage
This cover ensures financial protection for the insured in case of injuries, disability, or death resulting from an accident
Compensation
The amount of compensation varies based on the severity of the injuries sustained
Protection
It's crucial for car owners as it provides a safety net against unforeseen accidents, covering medical expenses and car repairs
Coverage Amount
The CPA cover offers a substantial coverage amount of INR 15 lacs, providing significant financial support in case of an accident
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 |
Why Buy Motor Insurance from Bajaj Allianz?
Buy Now
Download Policy Document
Get instant access to your policy details with a single click.
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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0
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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4
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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7
Select a plan from the recommended options, or customize your own plan
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8
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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0
Login to the app
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1
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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5
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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0
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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3
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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7
Upload your RC and driving license
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8
Receive an SMS with the proposed claim amount
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9
Use the SMS link to agree/disagree with the claim amount
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10
Agree to receive the amount in your bank account
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11
Track your claim status using the Insurance Wallet App
Know More
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0
For any further queries, please reach out to us
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1
Phone +91 020 66026666
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2
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
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.
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
Why juggle policies when one app can do it all?
Download Caringly your's app!
Compulsory Personal Accident Insurance by Bajaj Allianz General Insurance
When it comes to safeguarding your future, Bajaj Allianz General Insurance offers a robust solution with its Compulsory Personal Accident (CPA) Insurance. This policy is designed to provide financial protection to the owner-driver of a vehicle in the event of an accident, ensuring peace of mind and security for you and your loved ones. Let's delve into the key features and benefits of this essential insurance policy.
Key Features of Compulsory Personal Accident Insurance
Comprehensive Coverage
The CPA insurance policy by Bajaj Allianz covers a wide range of scenarios, ensuring that you are protected in various situations. The coverage includes:
- Accidental Death: In the unfortunate event of the insured owner-driver's death due to an accident, the policy provides 100% of the sum insured.
- Permanent Total Disablement: If the insured suffers from permanent total disablement, the policy offers 100% of the sum insured.
- Loss of Limbs or Sight: The policy compensates for the loss of two limbs, sight of both eyes, or one limb and sight of one eye with 100% of the sum insured. For the loss of one limb or sight of one eye, 50% of the sum insured is provided.
Sum Insured
The total liability of the insurer under this policy is capped at Rs. 15 lakhs during any one period of insurance. This ensures substantial financial support in the event of a severe accident.
Conditions and Exclusions
While the policy offers extensive coverage, it is important to note certain conditions and exclusions:
Single Compensation: Compensation is payable under only one of the specified categories (death, loss of limbs/sight, or permanent total disablement) for any one occurrence.
Exclusions: No compensation is payable for injuries or death resulting from intentional self-injury, suicide, attempted suicide, physical defects, infirmities, or accidents occurring under the influence of intoxicating substances.
Benefits of Compulsory Personal Accident Insurance
Financial Security
Accidents can lead to significant financial strain due to medical expenses, loss of income, and other unforeseen costs. The CPA insurance policy provides a financial cushion, ensuring that you and your family are not burdened during such challenging times.
Peace of Mind
Knowing that you have comprehensive coverage in place allows you to drive with confidence. The assurance that your loved ones will be financially protected in the event of an accident brings immense peace of mind.
Easy Claims Process
Bajaj Allianz General Insurance offers a straightforward and hassle-free claims process. Compensation is payable directly to the insured or their legal representatives, ensuring quick and efficient settlement.
Coverage Details at a Glance
The CPA cover provides compensation based on the severity of the injury sustained by the insured owner-driver. The compensation is paid as per the following scale:
Nature of Injury | Scale of Compensation |
Death | 100% of Sum Insured |
Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% of Sum Insured |
Loss of one limb or sight of one eye | 50% of Sum Insured |
Permanent total disablement from injuries other than named above | 100% of Sum Insured |
Steps to Secure Your CPA Insurance
1. Contact Bajaj Allianz: Reach out to Bajaj Allianz General Insurance through their website, customer care, or authorized agents.
2. Provide Vehicle Details: Share your vehicle details and personal information.
3. Choose Coverage: Select the desired coverage amount up to Rs. 15 lakhs.
4. Make Payment: Complete the payment process through available online or offline modes.
5. Receive Policy Document: Get your policy document via email or post.
Get the Essential Compulsory Personal Accident Insurance Today!
Bajaj Allianz General Insurance's Compulsory Personal Accident Insurance is an indispensable cover for every vehicle owner-driver. It provides comprehensive financial protection in the event of an accident, ensuring that you and your family are safeguarded against unforeseen circumstances. With its extensive coverage, easy claims process, and substantial sum insured, this policy is a must-have for every responsible driver. Secure your future and drive with confidence by opting for Bajaj Allianz's CPA insurance today.
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
