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WHY BAJAJ ALLIANZ TWO WHEELER INSURANCE?

A Two Wheeler Insurance Policy is to your financi health what a helmet is to your physical wellbeing: it protects you from the financial implications arising due to bodily injuries and damages sustained when your bike meets with an accident.

It also provides coverage to you from the financial losses suffered when your bike is stolen or gets damaged in a natural calamity, because these unfortunate events are more common than you’d think.

But that’s not all. A Bike Insurance Policy also protects you from financial liabilities arising due to injuries or damages suffered by a third party involving your bike.

Your bike is your prized possession with a lot of emotions attached. Not only do you spend a significant amount of money to own one, but you also spend a lot of time with it, commuting and making memories. And so, accidents, theft and damages suffered by your bike can be emotionally and financially draining.

Two Wheeler Insurance reduces the financial burden on your shoulders by compensating for the losses suffered in such scenarios. To put it simply, Two Wheeler Insurance protects what’s precious to you, because we understand how important your bike is to you.

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We offer a whole lot when it comes to two wheeler insurance plans

KEY BENEFITS OF BAJAJ ALLIANZ TWO WHEELER INSURANCE

Want the best protection for your bike, without being worried about hassles? Here’s why you should choose us:

Easy Online Purchase

Transfer of No Claim Bonus (NCB)

Instant Support

Quick Claim Settlement

Hassle-free Renewal

Why Two Wheeler Insurance?  Watch the video to know more.

Register your claim

Register your claim :

Steps to take in case of :

Dos :

Documents to be submitted :

Claim settlement :

GOT A QUESTION? HERE ARE SOME ANSWERS THAT MIGHT HELP

What is meant by insured declare value in Two Wheeler Insurance and what is its importance?

On what factors does the Bike Insurance premium amount depend?

How can I buy a Two Wheeler Insurance online?

Can I renew Bike Insurance online?

What documents do I need to renew my Bike Insurance?

How long does it take for my policy documents to arrive?

We will send the hard copy of your policy documents via courier. It usually takes 7-10 days. However, you will get a soft copy of your policy via email once the payment is verified the policy is issued.

You can find the policy document on our website’s customer portal using your issuance number. You can also use our mobile app, Insurance Wallet, or get updates through our twitter page.

What is meant by NCB?

NCB stands for No Claims Bonus. For every claim-free year, you get a b in the form of discount on the premium amount upon renewal. Insurers provide you with this bonus for being a responsible driver.

How can I make a claim?

Making a claim is a simple and hassle-free process with us. Just:

  •  Register your claim with us. You can do it online, offline, or over the phone
  • Send your vehicle for repair across any of our X partnered network garages across India or file a police complaint in case of theft
  •  Submit the documents for verification.
  • Once our surveyor completes the inspection, we will settle your claim based on the findings

What is a long-term policy and what are its benefits?

Following a Supreme Court directive, the Insurance Regulatory and Development Authority of India (IRDAI) has asked all general insurance companies to offer long-term cover for vehicles. With a long-term cover, you get:

  • Longer coverage period whereby you don’t need to renew your policy every year
  • Protection from third party premium rate hikes and service taxes
  • Added NCB benefit, which will not be cut down to nil, even if you make a claim during the policy period
  • Proportional refund in case of policy cancellation, even if a claim is made during the policy period

Can I transfer my insurance policy to the new owner, if I have sold my vehicle? What’s the procedure to do it?

Yes, you can. If you are transferring the ownership of your insured vehicle, you can transfer the ownership of your Bajaj Allianz Two Wheeler Insurance Policy as per the guidelines. Just hand over the related documents to the new owner, inform the insurer and the Regional Transport Office (RTO). Unfortunately, though, you can’t transfer the NCB to the new owner.

What happens if my Two Wheeler Insurance expires?

If your Two Wheeler Insurance expires, it’s better to renew it as soon as possible. If you don’t renew it, your:

  • NCB is negatively affected
  • You are exposed to third-party liability risks
  • You need to bear increased cost of repairs, as you won’t be covered in case of a mishap

OUR HAPPY CUSTOMERS!

S Bala Ji

Indeed very easy to renew my 2 wheeler policy. Got it done in just 3 minutes. Thanks.

Vinay Kathuria

Two wheeler Insurance process was simple and easy. Keep up the good work.

Amit Kaduskar

Bajaj Allianz very helpful and knowledgeable site for bike insurance.

Love your ride as much as you do

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BAJAJ ALLIANZ TWO WHEELER INSURANCE ADD-ON COVERS

The add-on covers with our Bike Insurance Policy offer an extra layer of protection for your bike and some added peace of mind for you.

24X7 spot assistance

24X7 spot assistance

Wherever you go, you will always find us with you. In case of a sudden breakdown during your commute, just call 1800 103 5858 and our Roadside Assistance team willoffer you the support you need.

Zero Depreciation Cover

Zero Depreciation Cover

From the moment you zoom out of the show room with your two-wheeler, its price starts to depreciate. In the event of a claim, the amount paid will include the depreciating value of your insured vehicle.

Personal Accident Cover for Pillion Rider

Personal Accident Cover for Pillion Rider

Just like you care for your bike and yourself, the onus for the safety of the pillion rider is on you. The personal accident cover for pillion riders come in handy in case your co-passenger suffers serious injuries in case of a mishap. The cover bears the treatment cost of the pillion rider.

Important points to note before buying Two Wheeler Insurance

Losses and Damages Suffered Due to Natural Calamities

No one has a say or control over nature. Our Two Wheeler Insurance policy covers losses suffered due to natural calamities such as fire, explosion, self-ignition, typhoon, flood, hurricane, storm, tempest, cyclone, frost, landslide and rockslide.

Losses and Damages Suffered Due to Man-made Calamities

While rapid urbanisation has promoted growth, it has also made us vulnerable to man-made calamities. Our Bike Insurance Policy provides coverage against theft, burglary, riot, strike, terrorist activities, or accidents by external means. Protecting your bike everywhere, our policy also covers damages suffered during transit via rail, road, air, inland waterway, lift and elevator.

Personal Accident

Our personal accident cover of Rs 15 lakhs gives you, the owner-driver, the financial muscle to bear treatment costs following an accident involving your bike. Coverage is offered for accidents when you are driving the bike, traveling on it, mounting or dismounting from it. What’s more, you can also add a personal accident cover for the pillion rider with our policy.

Third-party Legal Liability

As it’s mandatory for all vehicles running on Indian roads to have third-party cover, our Comprehensive Two Wheeler Insurance Policy covers you financially from the losses, injuries or death suffered by a third-party as well.

Normal Wear and Tear and Ageing of Your Bike

With time, every bike undergoes wear and tear. You will not be covered for damages sustained due to such natural ageing of your vehicle. .

Mechanical or Electrical Breakdown

When it comes to a mechanical or electrical breakdown, we don’t offer coverage.

Usage of Vehicle in a Manner Other Than the Intended Purpose :

While you’ve the freedom to use your bike in any manner you wish to, in case you’re going to be reckless we won’t be able to offer you our coverage. So, while stunts may give you an extra rush of adrenaline, the coverage ceases to exist if you use your bike for performing stunts.

Driving Without a Valid License

Not only it’s illegal to drive without a valid license, it can also leave you financially vulnerable. Should you or your bike suffer any damage with you riding without a valid license, you will not be covered for the losses.

Driving Under the Influence of Alcohol or Drugs

Driving under the influence of alcohol or drugs can be fatal. In case you are doing so, and a mishap occurs, you will not get any coverage for the damages suffered.

Damage or Loss Suffered Due to War, Mutiny or a Nuclear Mishap

War, mutiny and nuclear mishaps are what nightmares are made of. We don’t make any promises we can’t keep and since it’s virtually impossible to offer coverage for these scenarios, it’s excluded from our policy cover.

Theft or Burglary of Bike Accessories

Our Bike Insurance Policy will not cover you for theft or burglary of just your bike accessories.

Wear and Tear of Consumable like Tyres or Tubes

You will not get any compensation for wear and tear of tyres or tubes. But, if your bike is damaged in the process, you can make a claim. In such a scenario, we will pay only 50% of the replacement cost.

TYPES OF TWO WHEELER INSURANCE COVERS

Bajaj Allianz offers a wide range of plans to cater to the diverse needs of vehicle owners.

When it comes to Two Wheeler Insurance, you have two options – Comprehensive Two Wheeler Insurance and Third Party Insurance.  As the name suggests, a Comprehensive Two Wheeler Insurance policy gives you and your bike a 360-degree cover agains suffered due to damage or theft of the insured vehicle. And this is over & above the coverage for third party liabilities.

On the other hand, a Third Party Bike Insurance only protects you against the damages arising due to injuries or death sustained by a third-party due to your bike. As per the Motor Vehicles Act, 1988, it’s mandatory for all vehicles plying on Indian roads to have third party insurance.

Catering to your diverse needs, we offer these two types of Comprehensive Two Wheeler Insurance with the following features:

Features

3 Year Long Term Package Policy

1 Year Package Policy

Renewal frequency

Every three years

Every year

Coverage period

Three years

One year

Premium hikes

No effect on third-party (TP) premium during the policy period

TP premium increases every year

NCB benefit

Additional benefit at the time of renewal

As per tariff

NCB benefit after a claim

NCB is reduced, but doesn’t become nil

NCB becomes nil after a claim

Mid-term cancellation refund

Provision of proportional refund even after claim during the policy period

No refund in case of any claim

*You can also choose a term period of 2 years

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Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.