Suggested
-
health insurance
-
group personal accident
-
bike insurance
-
car insurance
-
cat insurance
-
check car details
-
health insurance plans
-
health cover plans
-
two wheeler insurance
-
2 wheeler insurance
-
renewal of car insurance
-
renew car insurance
-
car insurance renewal
-
car insurance renew
-
car insurance online
-
maruti suzuki car insurance
-
maruti suzuki insurance
-
maruti insurance
-
travel insurance
-
car no details
-
car number details
-
health insurance plans for family
-
medical insurance plans for family
-
best health insurance in india
-
good health insurance in india
- Company
- Tools
- Others
Motor Insurance
Standalone Own Damage Cover
Get Up To 85% Off*
Stay protected on the road, no matter what comes your way
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
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?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
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 Actvities
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.
Commercial Use
Using private car for commercial purposes like delivery or ridesharing without proper coverage
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
Vehicle Replacement Advantage
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
Why Buy Motor Insurance from Bajaj Allianz?
Buy Now
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.
Expand Your Coverage Today!
Named Driver Cover
Tooltip text
Exclusive Savings: Special discounts for named drivers.
Extended Coverage: Protects any car driven by you.
At Best Price
24x7 Spot Assistance
Tooltip text
Immediate Help: Round-the-clock roadside assistance.
Towing, fuel delivery, tyre repair and many more.
At Best Price
Roadside Assistance
Tooltip text
24x7 support in case of breakdowns and accidents.
Assistance for towing, flat tyres, and emergency repairs.
At Best Price
Eco Repairs
Tooltip text
Sustainable Solutions: Repairs using refurbished parts.
Cost-effective repairs with no depreciation on parts.
At Best Price
V Pay
Tooltip text
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
Tooltip text
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
-
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
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
.webp)
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!
Overview of the Standalone Own Damage Cover
Standalone Own Damage Cover is a specialized insurance policy designed to protect your vehicle against damages caused by unforeseen events. This policy is ideal for those who already have a third-party liability cover but seek additional protection for their own vehicle.
Key Features of the Cover
Understanding the coverage details of the Standalone Own Damage Cover is crucial to making an informed decision. The table below provides a clear overview of what is covered under this policy:
Coverage Type | Description |
Accidental Damage | Covers repair costs for damages due to accidents. |
Theft | Provides compensation if the vehicle is stolen. |
Fire and Explosion | Covers damages caused by fire, explosion, or self-ignition. |
Natural Calamities | Protection against damages from floods, earthquakes, storms, etc. |
Man-made Disasters | Covers damages due to riots, strikes, or malicious acts. |
Personal Accident Cover | Offers financial protection in case of injury or death of the owner-driver. |
Benefits of Standalone Own Damage Cover
The benefits of opting for a Standalone Own Damage Cover from Bajaj Allianz General Insurance are numerous. This section outlines the advantages that policyholders can enjoy.
- Comprehensive Protection: Covers damages due to accidents, theft, natural calamities, and man-made disasters.
- Flexible Add-ons: Options to include add-ons like zero depreciation, engine protector, and roadside assistance.
- No Claim Bonus (NCB): Enjoy discounts on premiums for claim-free years.
- Cashless Repairs: Access to a wide network of cashless garages across the country.
- Quick Settlement: Fast and hassle-free claim settlement process.
- Financial Security: Protects you from unexpected repair costs, ensuring peace of mind.
- Customizable Plans: Tailor the policy with add-ons to suit your specific needs.
- Wide Network: Access to numerous cashless garages for convenient repairs.
- Enhanced Protection: Provides coverage beyond the basic third-party liability insurance.
Add-on Covers
To enhance the protection offered by the Standalone Own Damage Cover, Bajaj Allianz provides several add-on covers. These add-ons can be opted for at an additional premium and offer extended coverage for specific scenarios. Here are some popular add-on covers:
- Zero Depreciation Cover: Ensures full claim amount without considering depreciation on parts.
- Engine Protector: Covers damages to the engine due to water ingression or oil leakage.
- Roadside Assistance: Provides help in case of breakdowns, flat tires, or towing needs.
- Consumables Cover: Covers the cost of consumables like nuts, bolts, and engine oil during repairs.
- Return to Invoice: In case of total loss, get the invoice value of the vehicle instead of the depreciated value.
Eligibility Criteria
Standalone own damage cover in motor insurance is designed to provide financial protection for your vehicle against damages caused by accidents, theft, natural calamities, and other unforeseen events. To be eligible for this cover, certain criteria must be met. Firstly, the vehicle should typically be up to 5 years old, ensuring that it is relatively new and less prone to extensive wear and tear. Additionally, the vehicle owner must have an active third-party liability insurance policy, as this cover is meant to complement the mandatory third-party insurance. Lastly, the vehicle must be in good working condition at the time of purchasing the policy, ensuring that it is roadworthy and not already damaged. Meeting these eligibility criteria ensures that the vehicle is adequately protected, providing peace of mind to the owner in case of any damage or loss.
How to Maximize Your Coverage
Opt for Add-ons: Enhance your policy with relevant add-ons for comprehensive protection.
Maintain Your Vehicle: Regular maintenance can prevent breakdowns and reduce claim frequency.
Drive Safely: Adhering to traffic rules and safe driving practices can minimize the risk of accidents.
Renew Timely: Ensure timely renewal of your policy to avoid lapses in coverage.
Insure Your Vehicle With Additional Protection
The Standalone Own Damage Cover by Bajaj Allianz General Insurance offers robust protection for your vehicle, ensuring peace of mind and financial security. With customizable options and a wide range of benefits, it is an ideal choice for vehicle owners seeking comprehensive coverage beyond basic third-party liability insurance.
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
