Suggested
Motor Insurance
Comprehensive protection for you and your loved ones in case of an accident
Coverage Highlights
Protect Your Journey with our compulsory personal accident coverPersonal 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
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 |
Get instant access to your policy details with a single click.
Step-by-Step Guide
How To Buy
0
Download the Caringly Yours app from App stores or click "Get Quote"
1
Register or log in to your account.
2
Enter your car details
3
You will be redirected to the Car Insurance Page.
4
Ensure to check your No Claim Discount
5
Choose right Insured Declared Value (IDV) that reflects your car value
6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
7
Select a plan from the recommended options, or customize your own plan
8
Review the premium and other coverage details
9
Proceed with the payment using your preferred method
10
Receive confirmation of your purchased policy via email and SMS
How To Renew
0
Login to the app
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Download our Caringly Yours App on Android or iOS
1
Register or login to use Motor On the spot claim for a smooth process
2
Enter your policy and accident details (location, date, time)
3
Save and click Register to file your claim
4
Receive an SMS with your claim registration number
5
Fill in the digital claim form and submit NEFT details
6
Upload photos of damaged parts as instructed
7
Upload your RC and driving license
8
Receive an SMS with the proposed claim amount
9
Use the SMS link to agree/disagree with the claim amount
10
Agree to receive the amount in your bank account
11
Track your claim status using the Insurance Wallet App
Know More
0
For any further queries, please reach out to us
1
Phone +91 020 66026666
2
Fax +91 020 66026667
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All you need to know about motor insurance
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
Yes, comprehensive insurance is still a smart choice for an old car. It protects against theft, fire, vandalism, and natural disasters—risks that don’t depend on the car’s age. Even if the car’s market value is lower, the financial relief in unexpected situations often outweighs the premium cost.
Yes, driving a car without comprehensive insurance is possible, but it comes with risks. While only third-party insurance is legally required, skipping comprehensive coverage means you bear the full cost of damages from theft, fire, or natural disasters.
Deductibles in comprehensive car insurance are the amount you pay from your pocket before the insurer covers the rest of the claim. There are two types: compulsory deductible, set by the insurer, and voluntary deductible, chosen by you to lower premiums. Higher voluntary deductibles reduce premiums but increase your share in claims.
Insured Declared Value (IDV) in comprehensive car insurance is the maximum amount you can claim/receive if your vehicle is stolen or damaged beyond repair. It is calculated based on the car’s market value, factoring in depreciation. A higher IDV increases premiums, while a lower IDV reduces payouts during claims.
Car insurance premiums depend on car type, age, make, and model. Not only that engine capacity, location, and frequency of usage. The age of the driver and their claims history also impact costs. Additional add-ons, voluntary deductibles, and installed safety features are other factors that influence the final premium.
No Claim Bonus (NCB) in comprehensive car insurance is a discount on the premium for not filing claims during the policy term. It rewards safe driving and responsible ownership, increasing yearly up to 50%. NCB reduces renewal costs to make insurance affordable.
Comprehensive car insurance claims can be rejected due to policy lapses, incorrect information, driving under the influence, unauthorized vehicle modifications, using the car for commercial purposes, delayed claim reporting, lack of valid documents, or intentional damages.
Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.
You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.
Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.
Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.
Request a physical copy from the insurer or take a printout of the digital policy document received via email.
Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.
Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.
Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).
Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).
Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.
Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.
We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.
Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo
Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.
Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
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