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Motor Insurance
Pay As You Consume
Only Pay For Kms You Drive
Your Driving, Your Premium – Pay As You Consume
Coverage Highlights
Get Smart Insurance for Smart Drivers
Drive Less, Pay Less
Save money based on your actual mileage
Flexible Coverage
Adjust your insurance to match your driving habits
Smart Driving Rewards
Get discounts for safe and efficient driving
Customizable Insurance
Tailor your policy to fit your driving needs
Driving Behavior Benefit
Earn rewards based on driving habits tracked by a telematics device
No Claim Bonus (NCB)
Eligible for valid NCB from your expiring policy when you first opt for the Pay As You Consume Plan
No Claim Discount (NCD)
Wide range of Add Ons
Top-Up Option
Pre-schedule your Insured Kilometers and Duration plans based on usage trends, avoiding renewal hassles (subject to 64VB compliance)
Inclusions
What’s covered?Comprehensive Coverage for Your Vehicle
Accidental damage while driving is covered for the insured duration and kilometers
Grace Kilometers
Extra protection if you need to drive beyond your insured kilometers
Carry Forward Kilometers
Carry forward any unused kilometers to the next policy period
Exclusions
What’s not covered?Base Policy Exclusions
We shall not be liable for any exclusions applicable to the Base Policy
Claims Beyond Insured Duration
Any claim made after the Insured Duration indicated in the Schedule will not be covered
Claims Beyond Insured Kilometers
Any claim made after the Insured Kilometers, including grace kilometers specified in the Schedule, will not be covered
How Does Pay As You Consume Work?
Declare Car Usage
Estimate and declare the number of kilometers you plan to drive during the policy term, typically one year
Odometer Reading Submission
To activate the policy, upload a video of your car’s odometer reading as proof before the policy begins
No Telematics Device
Currently, PAYC policies are based on self-declaration by the car owner. No telematics devices are installed to track mileage
Premium Discount
If eligible, you can receive a discount on the own damage component of your insurance premium
Claims and Limits
Claims within the declared kilometer limit are processed as usual. However, if the limit is exceeded, you may need to pay a portion of the claim as co-payment
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
Download Policy Document
Get instant access to your policy details with a single click.
Why Buy Motor Insurance from Bajaj Allianz?
Buy Now
Discover More of Our Covers
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
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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Register or log in to your account.
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Enter your car details
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You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value (IDV) that reflects your car value
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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
Quick Links
Diverse more policies for different needs
Insurance Samjho
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
Global Personal Guard Policy
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 Roadside/Spot assistance
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Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
Home Insurance Cover
Smart Reads, Right Coverage
View All
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!
What is Pay As You Go Motor Insurance?
Pay As You Go Motor Insurance, also known as Pay As You Drive or Pay As You Consume insurance, is a flexible car insurance policy that allows you to pay premiums based on the actual usage of your vehicle. Unlike traditional car insurance policies that charge a fixed premium regardless of how much you drive, Pay As You Go insurance adjusts your premium according to the number of kilometers you cover during the policy period.
This type of insurance is particularly beneficial for those who drive less frequently, as it offers the potential to save on the Own Damage component of the premium. Essentially, the less you drive, the less you pay. This makes it an ideal option for individuals who use their cars sparingly, such as those who work from home, retirees, or people who primarily use public transportation.
Pay As You Go Motor Insurance is a form of Comprehensive Car Insurance, providing coverage for both third-party liabilities and damages to your own vehicle. However, the key difference lies in the cost-saving aspect tied to your vehicle's usage. By opting for this type of insurance, you can enjoy the peace of mind that comes with comprehensive coverage while also benefiting from lower premiums based on your driving habits.
Benefits of Pay As You Go Insurance
Pay As You Go insurance is revolutionizing the way drivers manage their motor insurance. This innovative policy offers numerous benefits that cater to the modern driver's needs. One of the primary advantages is cost efficiency. Unlike traditional insurance policies that charge a fixed premium regardless of usage, this insurance allows you to pay based on the miles you drive. This means lower premiums for those who drive less, making it an ideal choice for occasional drivers, retirees, or individuals who primarily use public transportation.
Another significant benefit is flexibility. This insurance policy is often more adaptable to changes in your driving habits. Whether you start driving more or less, your insurance costs will adjust accordingly, ensuring you only pay for what you use. This flexibility can lead to substantial savings over time.
Additionally, this insurance promotes safer driving. Many of such policies include telematics devices that monitor driving behavior. Safe driving habits can lead to further discounts, rewarding you for being a responsible driver. This not only helps in reducing insurance costs but also contributes to overall road safety.
In summary, Pay As You Go insurance offers cost savings, flexibility, and incentives for safe driving, making it a smart choice for today's diverse driving needs.
Who Should Consider Pay As You Go Insurance?
"Pay As You Go" insurance is an ideal option for a variety of drivers who seek flexibility and cost-efficiency in their motor insurance. This type of policy is particularly beneficial for those who drive infrequently or cover only short distances, such as retirees, remote workers, or individuals who primarily use public transportation but occasionally need a car. It also suits young drivers or students who are looking to manage their expenses while still maintaining necessary coverage.
Additionally, if you own a second vehicle that is not used regularly, "Pay As You Go" insurance can help you save on premiums by only paying for the miles you drive. This policy is perfect for anyone who wants to avoid the high costs of traditional insurance and prefers a usage-based approach that aligns with their driving habits. By choosing "Pay As You Go" insurance, you can enjoy the peace of mind of being covered without overpaying for unused miles.
Comparing Pay As You Go with Traditional Insurance
Feature | Pay As You Go Insurance | Traditional Insurance |
Payment Structure | Pay based on actual usage | Fixed premium regardless of usage |
Cost Efficiency | Potentially lower costs for infrequent drivers | May be more cost-effective for frequent drivers |
Flexibility | High flexibility, pay only when you drive | Less flexible, fixed annual or monthly payments |
Tracking | Requires telematics or app to track mileage | No tracking required |
Premium Calculation | Based on miles driven and driving behaviour | Based on estimated annual mileage and risk factors |
Ideal For | Low-mileage drivers, occasional drivers | High-mileage drivers, regular commuters |
Coverage | Similar coverage options as traditional policies | Comprehensive coverage options |
Discounts | Usage-based discounts | Discounts based on various factors |
Importance of Pay As You Drive Insurance
Under the Motor Vehicles Act, 1988, third-party insurance is mandatory in India. However, PAYC insurance is an excellent option for those who:
- Drive their vehicles infrequently but want comprehensive damage coverage.
- Wish to save on premiums by paying based on actual car usage.
PAYC insurance allows drivers to pay premiums proportional to their car usage. It also offers discounts on policy renewal for claim-free years.
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
