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Car Insurance Comparison

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Key Features

  • Instant claim assistance and SMS updates
  • 24x7 service and claim support
  • Quick and easy online purchase process
  • Hassle-free claim settlement

Renewal Reminder

  I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to
contact me. It will override my registry on the DNCR. Read more

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Motor Insurance

How to Compare Car Insurance

Car insurance comparison is something which should precede your car insurance purchase. As a car insurance shopper, it can be overwhelming to find the best motor insurance quote. However, not doing a thorough comparison of your motor insurance can cost you a lot of money and/or leaves you with inadequate coverage. When you compare car insurance you not only need to look at the different coverage options and the insurance rates, but also check the fine print and exemptions very carefully. In this article, we provide a point-by-point breakdown that will help you compare car insurance policy that best fits your needs

Car insurance comparison can easily be done online. Car insurance comparison gets easy online where you can get insurance offering lowest premium. But when you want to figure out the best coverage, it is important to choose an insurance provider that provides the most bang for buck.

Fastest Premium Calculator

Car Insurance Premium Calculator
Note: The premium quote considers the full NCB (No Claim Bonus) and system generated IDV. which is valid only for policies bought online

Ways for car insurance comparison

Run a Search on Comparison Websites

While you can always approach insurance agents for the car insurance quotes, car insurance comparison sites have just made your job much easier and less time consuming.

These sites take your details, run them through the websites of insurance providers, and provide a series of quotes in price order. You can also complete the online quote forms on individual websites. This will provide you a comprehensive list of quotes to choose from

Cheapest May Not Be the Best

Car insurance comparison should be done in a prudent way. The first thing that you would look at while comparing insurance is the final premium that you would need to pay. However, the cheapest car insurance may actually end up providing you the least amount of coverage after an accident. This is why instead of the cheapest policy you need to find a policy that you can comfortably afford and which provides the coverage that you need.

Comparing Coverage Options

While doing car insurance comparison, take care of the coverage options. The car insurance should protect against loss or damage to the car against natural calamities such as fire, storm, flood, etc. It protects against man-made calamities such as theft, riot or damage in transit. The car insurance also protects against third party liability. Apart from this, check the availability of optional coverage's such as roadside assistance, NCB discounts and PA cover for passengers and drivers. Before choosing a policy, understand your financial risk tolerance, your budget and driving habits. This way you will choose a policy and add-on covers that suit your needs.

Comparing Premiums and Deductibles

Car insurance comparison also refers to prudent comparison of premiums and deductibles. Before you can purchase the car insurance premium, you need to take a decision on the amount of deductibles. A car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. So if you have to pay Rs. 20000 for your repairs after accident and your chosen deductible is Rs. 5000, then the insurance will pay Rs. 15000 for the repairs. Increasing the amount of deductible cuts back on your premium.

Once you have matched the coverage and the deductibles, look for discounts while purchasing car insurance. For example, No Claim Bonus rewards a good driver and reduces the insurance premium.

Comparing Companies

Car insurance comparison is successful when you compare across credible companies. You may get a policy which gives total coverage at the least price. Sound too good to be true? Watch out for shady, unreliable companies. Opt for a good, reputed insurance company with a good claims settlement ratio. Also factor in customer service and seek out customer reviews of the company.

To know more about the car insurance policies, click here.


Key Benefits of Car Insurance with Us

Our Car Insurance policy provides the following key benefits:

  • Get your Car Insurance or Car Insurance Renewal in easy steps.
  • Cashless claims at over 1500 preferred garages. Receive 75% on account payment when cashless facility is not available.
  • Transfer up to 50% of your existing No Claim Bonus from any insurance provider.
  • Avail of our 24x7 telephonic service for claims support and other assistance, even on holidays.
  • Towing Facility in an event of a breakdown/accident.
  • Instant Claims Assistance and SMS updates on your motor claim status through our 24x7 call-centers.
  • Bajaj Allianz's preferred workshops give you access to hassle-free inspection and bring to you high service standards.

Car Insurance Top-up covers

Car Insurance Add-on covers
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What is Covered?

  • Loss or damage to your car and two-wheeler against natural calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.

  • Loss or damage to your car and two-wheeler against man-made calamities
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

  • Personal Accident Cover
    Coverage of Rs. 1 lakh for the individual owner/driver of the vehicle while driving or travelling and mounting or dismounting from the two-wheeler. Optional personal accident covers for co-passengers available.

  • Third Party Legal Liability
    Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

Customer Testimonials

Customer Testimonials

Customer Reviews

  • SAROSH RAGHAVAN MATHARADAN

    13 August 2017

    Bajaj Allianz General Insurance’s website is a trustworthy online portal which is extremely user friendly. I could buy the policy without any hustles and in quick time. It doesn’t require any addition help while going through the policy procedure. I opted to choose an Add on cover with my Car Insurance policy which provides with 24x7 Roadside Assistance facility which is just a phone call away.
  • UDAY KAKADE

    10 August 2017

    Customer Support team of Bajaj Allianz is very good and supportive. They have the in depth knowledge about the policy wordings. The renewal process was very customer friendly which did not take much time. My process completed in few minutes without any hurdles. I opted for Bajaj Allianz because they offer cashless claim settlement, 24/7 roadside assistance and hassle-free claim settlement to keep your car and your finances secure.

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