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मोटर इंश्योरेंस

सर्वश्रेष्ठ कार इंश्योरेंस

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Get Up To 85% Off*

Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your Car
  • प्रीमियम

रु. 2094 से शुरू*

  • Cashless Garages

7,200+ network garages for hassle free services

  • ओन डैमेज कवर

Covers damage to your car due to accidents, fire, theft and natural calamities

  • तीसरी पार्टी की लायबिलिटी

Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

  • पर्सनल एक्सीडेंट कवर

Starting from INR 15 Lacs

  • नो क्लेम बोनस

50% तक

  • वैकल्पिक कवर

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 स्पॉट सहायता

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

इन्क्लूजन

क्या कवर होता है?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

  • Third Party Liability for Property Damage (up to INR 7.5 lacs)

If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

  • दुर्घटनाएं

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

  • आग से होने वाला नुकसान

Damages and losses if your car catches fire or explodes

  • चोरी

Financial losses when your car is stolen

  • In Transit Damage

If your car is damaged while being transported, this covers the repair costs

  • पर्सनल एक्सीडेंट

Coverage if your car accident results in death or disability of car owner

  • ऐड-ऑन कवर

Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage

क्या शामिल नहीं है

इसमें क्या कवर नहीं किया जाता है?
  • Intentional Damage

Any damage caused to the car intentionally

  • मूल्यह्रास

Normal wear and tear of the car due to usage and depreciation in value is not covered

  • मैकेनिकल या इलेक्ट्रिकल खराबी

If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be 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.

  • War-related Damages

Losses caused by war or nuclear risks are not covered

  • Overloading the Vehicle

If you exceed the weight or passenger limit specified for your car, leading to an accident.

  • Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

  • Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied

  • ध्यान दें

Please read policy wording for detailed exclusions

अतिरिक्त कवर

What else can you get?
  • 24x7 रोड साइड असिस्टेंस

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

  • कंज्यूमेबल एक्सपेंस

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

  • ज़ीरो डेप्रिसिएशन कवर

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

  • पे एज यू कंज्यूम

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

  • कन्वेयन्स बेनीफिट्स

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

  • इंजन प्रोटेक्टर

Covers financial losses incurred due to damage to your car engine

  • Return to Invoice (RTI) Cover

Recover invoice value of your car back in case of theft or total loss

Unlock the Road to Safety: Embrace Best Car Insurance

We know how much you love your car! You have probably traversed thousands of kilometres together, spanning the length and breadth of your city, and when hit by the travel bug, even cross country! From ‘’Just Married” to “Baby Aboard”, it has probably announced it to the world when you got hitched or welcomed the new arrival(s) in your life. On occasion, it may have also served as a makeshift shelter when you were camping in the hills! As an expression of your personality, we’re sure you have always taken utmost care of your vehicle. But given the unpredictable nature of life, you know that accidents can happen at any time. Statistically, the odds of a road accident can never be predicted accurately. Keep your vehicle on the road longer, and get better returns on investment with the Best car insurance policy your vehicle deserves! While it cannot prevent accidents from happening, it can give you the financial cover to cushion you from any accidental loss. Like a pedigreed racehorse, you’d want nothing but the best accessories and spares for your car. Add Best Car Insurance Policy to the list of must haves!

कार इंश्योरेंस क्या है?

कार इंश्योरेंस आपके वाहन की फाइनेंशियल सुरक्षा में एक प्रमुख भूमिका निभाता है, जो विभिन्न अप्रत्याशित घटनाओं से सुरक्षा प्रदान करता है. चाहे दुर्घटनाएं, चोरी, प्राकृतिक आपदाएं हों, या थर्ड पार्टी की प्रॉपर्टी या व्यक्तियों को हुआ नुकसान, कार इंश्योरेंस पॉलिसी आपको किसी भी बड़े फाइनेंशियल नुकसान से बचाती है. यह आपके वाहन की सुरक्षा करती है और आपको यह जानकर इससे मानसिक शांति भी मिलती है कि सड़क पर दुर्घटना या अन्य समस्‍याओं की स्‍थि‍ति में आपको पूरा फाइनेंशियल बोझ नहीं उठाना पड़ेगा.

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On The Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

सर्वश्रेष्ठ कार इंश्योरेंस पॉलिसी की प्रमुख विशेषताएं

भारत में सर्वश्रेष्ठ कार इंश्योरेंस में कई प्रकार की व्यापक सुविधाएं ऑफर करनी चाहिए ता‍कि आपको मन की शांति प्रदान की जा सके:

स्वयं के नुकसान से हुए खर्चे कवर करती है

कार इंश्योरेंस दुर्घटनाओं और प्राकृतिक आपदाओं से हुए नुकसान की मरम्मत की लागत को कवर करने में मदद करता है, जिससे आपको अप्रत्याशित मरम्मत के खर्चों से सुरक्षा मिलती है.

थर्ड-पार्टी लायबिलिटी

यह आपके वाहन के कारण अन्य लोगों और उनकी प्रॉपर्टी को होने वाले नुकसान को कवर करता है, और आपको अपने पैसों से भुगतान नहीं करना पड़ता है.

पर्सनल एक्सीडेंट

यह ड्राइवर और सवारियों के मेडिकल खर्चों, स्थायी विकलांगता और आकस्मिक मृत्यु के लिए फाइनेंशियल सहायता प्रदान करता है.

कानून द्वारा अनिवार्य

मोटर वाहन एक्‍ट के अनुसार प्रत्येक कार मालिक के पास कम से कम थर्ड-पार्टी इंश्योरेंस होना आवश्‍यक है. इसका न होना गैरकानूनी है और इससे जुर्माना लग सकता है.

ऐड-ऑन के साथ विस्तारित लाभ

डेप्रिसिएशन कवर, कंज्यूमेबल्स कवर, ब्रेकडाउन असिस्टेंस और इंजन प्रोटेक्शन जैसे ऐड-ऑन आपकी पॉलिसी को विस्‍तृत करते हैं, जिससे वे अतिरिक्त सुरक्षा और लाभ प्रदान करती हैं.

अतिरिक्त सुविधा

Online car insurance offers a seamless, paperless experience, including easy digital applications, online claims, and spot services. *Claims are subject to terms and conditions set forth under the motor insurance policy.

At-A-Glance

Compare Insurance Plans Made for You

विशेषताएं
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Third Party Liabilty Cover

ओन डैमेज कवर

कॉम्प्रीहेंसिव कवर

Comprehensive Cover with Add-ons

ओवरव्यू 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
पॉलिसी की अवधि 1 or 3 years 1 वर्ष 1 and 3 years 1 and 3 years
Third Party Liability for Injury, Death & Property Damage हां नहीं हां हां
दुर्घटनाएं और टकराव नहीं हां हां हां
Natural or Man-Made Disasters नहीं हां हां हां
आग से होने वाला नुकसान नहीं हां हां हां
चोरी नहीं हां हां हां
Compulsory Personal Accident हां हां हां हां
Add-on: No Claim Bonus नहीं नहीं नहीं हां
Add-on: Zero Depreciation Cover नहीं नहीं नहीं हां
Add-on: Lock & Key Replacement नहीं नहीं नहीं हां
Add-on: 24x7 Roadside Assistance नहीं नहीं नहीं हां
Add-on: Consumables Cover नहीं नहीं नहीं हां
Explore more add-ons नहीं Up to 27 Add Ons Up to 27 Add Ons Up to 27 Add Ons

कार इंश्योरेंस के प्रकारों के बीच अंतर 

 

विशेषताएं

 

 

थर्ड-पार्टी कार इंश्योरेंस

 

 

कम्प्रीहेंसिव कार इंश्योरेंस

 

 

कवरेज

 

 

थर्ड-पार्टी वाहनों और प्रॉपर्टी को होने वाले नुकसान, चोट और मृत्यु

 

 

ओन डैमेज (दुर्घटना, प्राकृतिक/मानवनिर्मित आपदाएं, आग, चोरी) + थर्ड-पार्टी डैमेज

 

 

अनिवार्य

 

 

हां, 1988 के मोटर वाहन एक्‍ट के तहत

 

 

नहीं, लेकिन अत्यधिक अनुशंसित है

 

 

पर्सनल एक्सीडेंट कवर

 

 

अलग से खरीदने की आवश्यकता होती है

 

 

शामिल

 

 

ऐड-ऑन

 

 

उपलब्ध नहीं है

 

 

उपलब्ध (जैसे, ज़ीरो डेप्रिसिएशन, इंजन प्रोटेक्शन, रोडसाइड असिस्टेंस)

 

 

कीमत

 

 

नीचे का

 

 

उच्चतर

 

 

लाभ

 

 

थर्ड-पार्टी देयताओं के लिए बेसिक कवरेज

 

 

ओन डैमेज और थर्ड-पार्टी डैमेज के लिए कम्प्रीहेंसिव कवरेज

 

 

इनके लिए उत्तम

 

 

न्यूनतम कानूनी आवश्यकता, बजट को लेकर जागरूक खरीदार

 

 

आवश्यक, बजट को लेकर जागरूक खरीदार, व्यापक कवरेज, उच्च सुरक्षा

 

आदर्श कार इंश्योरेंस प्लान में कौन सी विशेषताएं शामिल होनी चाहिए?

What makes up the ‘Best Car Insurance Policy’ may largely be a matter of perspective, however, making the ‘best’ choice in terms of affordability, coverage offered and insurance provider does involve doing the numbers and a realistic assessment of your needs. In addition to coverage against loss or damage and third party liability, consider things like claim settlement ratio, competitive premium rates and customized add-ons, should you need additional cover. While Car Insurance is mandatory by law, opting for the right one can also give you significant benefits such as emergency on road assistance. Ideally, opt for a Car Insurance plan that offers a countrywide network of affiliated garages. Much like your cell phone, your car insurance provider may be a crucial resource in an emergency – from flat tyre assistance to spot assistance.

पॉलिसी डॉक्यूमेंट डाउनलोड करें

Get instant access to your policy details with a single click.

विभिन्न प्रकार की कार इंश्योरेंस पॉलिसीज़ क्या हैं?

भारत की सर्वश्रेष्ठ कार इंश्योरेंस कंपनी विशिष्ट आवश्यकताओं और बजट के अनुरूप कई प्रकार के कार इंश्योरेंस प्लान प्रदान करती है:

थर्ड-पार्टी लायबिलिटी (टीपी) इंश्योरेंस

यह भारत में कानूनन अनिवार्य है और आपकी कार से किसी थर्ड पार्टी को लगने वाली किसी भी चोट या प्रॉपर्टी के नुकसान को कवर करता है.

कम्प्रीहेंसिव कवरेज

This offers more extensive protection, including coverage for your vehicle against theft, fire, natural disasters, collisions, and third-party liability. *Claims are subject to terms and conditions set forth under the motor insurance policy.

Expand Your Coverage Today!

Named Driver Cover

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Exclusive Savings: Special discounts for named drivers.

Extended Coverage: Protects any car driven by you.

24x7 स्पॉट सहायता

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Immediate Help: Round-the-clock roadside assistance.

Towing, fuel delivery, tyre repair and many more.

इको रिपेयर

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Sustainable Solutions: Repairs using refurbished parts.

Cost-effective repairs with no depreciation on parts.

Ultimate car protection with the option of 22 covers

Towing, pick up and drop, fuel service, flat tyre and more.

पे एज यू कंज्यूम

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Smart Savings: Pay less based on miles driven

Carry forward unconsumed kilometers to the next plan.

Motor & Health Companion

Healthmanager

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

Healthassetment

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

Healthmanager

Take Charge of Your Health & Earn Rewards–Start Today!

Be proactive about your health–set goals, track progress, and get discounts!

चरण-दर-चरण गाइड

To help you navigate your insurance journey

कैसे खरीदें

  • 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

रिन्यू कैसे करें

  • 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

क्लेम कैसे करें

  • 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

अधिक जानें

  • 0

    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

मुझे बजाज आलियांज़ कार इंश्योरेंस क्यों चुनना चाहिए?

At Bajaj Allianz, we recognize the role car insurance plays in making your life simpler. By helping you manage the risks of the road, our products insulate your loved ones from stress and worry. We may be blowing our own trumpet, but here’s why Bajaj Allianz has been recognised as one of the Best Car Insurance Policy options in the market today! When stress gives way to a sense of quiet confidence, we believe that you can experience the joys of life more fully and exploit life’s full potential. Bajaj Allianz aims to partner you in turning risks into the greatest opportunities. Since 2001, Bajaj Allianz has been making driving safer for motorists. By underwriting third party liability claims, we reduce the costs of litigation and help renew disrupted lives.

Our accidental damage protection plans comprehensive coverage against a variety of risks and help you mitigate emergencies. Backed by award-winning car insurance products, a nationwide network of garages, roadside assistance services and a unique ‘customer first’ mindset, we are among the nation’s most preferred insurers. Bajaj Allianz is particularly proud of the iAAA rating that we have been receiving for settling the highest number of claims consistently and we’re honoured to have been recognized as one of the country’s Best Car Insurance Policy providers. Your faith in us drives us to work even harder to deliver solutions that help you reach your life goals. Here are some tangible reasons why you can bank on us for your car insurance needs. Decide for yourself whether we’re merely good or the best car insurance policy provider around!

आसान खरीद और रिन्यूअल

We’ve made buying and renewing car insurance easier than ever before! From getting quotes, comparing plans, making payments to renew existing policies, you can do it all online while sipping your favourite beverage. Hate doing the math to determine the actual premium payable? Just head to the calculators on our website and get your calculations on point. If you still need help, just give us a shout with the Customer Service link and we’ll put you at ease.

24*7 रोडसाइड असिस्टेंस

Fastening your seatbelt and regular servicing can keep you safe and your car running smoothly. However, you might encounter more than just a bump on the road. A flat tire or engine trouble can dampen your enthusiasm on a trip through the serene countryside. If help cannot be found, ditching your car in the middle of nowhere may be the only feasible option; something you may be reluctant to do. With Bajaj Allianz Car Insurance, all you need to do is call our toll-free number.

Our roadside assistance experts save the day by quickly restoring your vehicle to running condition. That’s not all. We also offer free drops, fuel delivery, SMS updates, spare key service, etc. to give you all possible assistance in an emergency. In case of an accident, we help you with the paperwork, medical assistance and legal help. We also provide claim documentation and spot survey in case you meet with an accident.

कैशलेस क्लेम

With cashless claims, your vehicle’s will be back on the road before you know it! From minor dents to complex overhaul, your car can be back in the running in a short span of time. With cashless payments, you don’t end up lightening your wallet as much! You can now avail cashless claim at any of our 4000 plus network garages which are spread across the country. All you have to do is to take your car to any of these garages and get it repaired without any out of pocket expenses.

ड्राइवस्मार्ट टेलीमैटिक्स सर्विस

While you will probably not see driverless cars on the roads anytime soon, Bajaj Allianz DriveSmart is available right now as a digital driving assistant that promises to change your driving experience for the better! Leveraging technology for driving innovation has always been one of our key focus areas. DriveSmart has set a new standard in the market from the perspective of efficiency and customer convenience.

If you’ve been confounded by persistent engine problems, DriveSmart, our integrated telematics device, can not only give you alerts on its condition but also caution you if you’re over speeding. It serves as your digital co-pilot – tracks distance travelled, top speed attained and even lets you create custom routes among other things. With DriveSmart, the next generation of driving automation tech is here. We’ve redefined Best Car Insurance Policy to help set short term and long term goals when it comes to driving efficiency.

यह डेटा आपको अपनी कार को बेहतर तरीके से समझने और उसके रखरखाव के बारे में बेहतर निर्णय लेने में मदद करेगा. अपनी ड्राइविंग हिस्ट्री का विश्लेषण करके, आप फ्यूल और रिपेयर पर होने वाले कुछ खर्च की बचत कर सकते हैं. इस पैसे का बेहतर उपयोग किया जा सकता है!

नो क्लेम बोनस डिस्काउंट का ट्रांसफर

Changing lanes while driving can be risky. You may potentially invite fines and endanger other motorists. When it comes to car insurance though, you can switch to Bajaj Allianz without worrying about losing your accrued No Claims Bonus (NCB). Not only do you get cost effective insurance premiums, we also allow you to transfer up to 50 percent of your existing NCB on renewing your policy with us. Transferring NCB gets you a discount on your own damage premium.

A win-win deal! An extra layer of cheese atop your pizza makes it much more delightful! Similarly, when it comes to car insurance, an add-on cover can give you enhanced protection. While accidents are hard to predict, let alone prevent, our add on covers help you win against any challenge that might come your way. We’re on your side when it comes to getting the most value out of your investment. A good basic plan on steroids (read: add on covers) gives you the Best Car Insurance Policy solution for your needs. These are:

लॉक एंड की रिपलेसमेंट कवर

आपकी कार की चाबी खो गई है और आपके पास डुप्लीकेट चाबी नहीं है? यह स्थिति आपका थोड़ा खर्चा करा सकती है. लेकिन अब नहीं. हमारे लॉक एंड की रिप्लेसमेंट कवर के तहत, हम डुप्लीकेट लॉक और की बनाने में होने वाले आपके खर्च की क्षतिपूर्ति करते हैं.

कंज्यूमेबल एक्सपेंस

आपकी कार को कुशलतापूर्वक चलाने के लिए ब्रेक ऑयल, इंजन ऑयल, एसी ऑयल, गियरबॉक्स ऑयल आदि जैसे कंज्यूमेबल आवश्यक हैं. हमारा कंज्यूमेबल एक्सपेंस कवर, आपको यह सुनिश्चित करने में मदद करता है कि दुर्भाग्यपूर्ण घटना के बावजूद आपका इंजन उसी दक्षता से काम करता रहे.

पर्सनल बैगेज

आपमें से कुछ लोग अपनी कार को कभी भी अचानक यात्रा पर निकलने के लिए तैयार रख सकते हैं, बस अपनी कार में एक बैग और यात्रा के लिए कुछ आवश्यक सामग्रियां रखीं और निकल पड़े. लेकिन क्या आप जानते हैं कि हम एक ऐसा ऐड-ऑन प्रदान करते हैं, जो इस सामान के नुकसान को कवर करेगा? हां, हम यह कवर करते हैं! तो आगे बढ़ें, और अपने सामान को कवर करें.

एक्सीडेंट शील्ड

हमारा एक्सीडेंट शील्ड ऐड-ऑन कवर इंश्योर्ड कार में बैठे व्यक्तियों को दुर्घटना से संबंधित मृत्यु और विकलांगता के फाइनेंशियल प्रभावों से सुरक्षित करता है.

ज़ीरो डेप्रिसिएशन कवर

As hard as it may be to hear, the value of your car is actually depreciating with each passing year. Well, we’ve found a way to make sure that does affect your coverage amount. Yes, you guessed right! Our Zero Depreciation Cover nullifies the effects of depreciation and maximizes the benefit you reap when you claim.

कन्वेयन्स बेनीफिट्स

किसी दुर्घटना के बाद आपको अपने परिवहन के लिए वैकल्पिक इंतजाम करने पड़ते हैं, जैसे कि कार पूलिंग या फिर बस से यात्रा करना आदि, इन सबसे के लिए आपको अतिरिक्त खर्च करना पड़ता है. हालांकि हम रिपेयर की प्रोसेस को तेज़ तो नहीं कर सकते हैं, लेकिन दुर्घटना के बाद आपकी कार की रिपेयरिंग में जितने दिन लगते हैं, उतने दिनों के लिए हम आपको परिवहन लाभ के रूप में दैनिक नकद भत्ता ज़रूर प्रदान करते हैं.

Smart Car Insurance Options by Bajaj Allianz

बजाज आलियांज़ कार इंश्योरेंस के साथ, आपके पास विकल्पों की कभी कमी नहीं होगी. हम आपको सुविधाजनक, किफायती और बहुत सी विशेषताओं वाला कवरेज प्रदान करना चाहते हैं. निम्नलिखित प्लान आपको बेहतरीन सुरक्षा प्रदान करते हैं और एमरज़ेंसी की स्थिति में आपकी मदद करते हैं.

बेस्ट वैल्यू

यह प्लान सबसे कम प्रीमियम लेवल प्रदान करता है और रु. 15000 की इन-बिल्ट स्वैच्छिक डिडक्टिबल के साथ भी आता है. भाषा थोड़ी जटिल लग रही है? साधारण शब्दों में, स्वैच्छिक डिडक्टिबल आपके प्रीमियम में वह छूट है जो आपको क्लेम के दौरान एक निश्चित राशि का अपनी जेब से भुगतान करके मिलती है.

स्टैंडर्ड

जो लोग बिना किसी अतिरिक्त कवर के केवल पॉलिसी लेना चाहते हैं, उनके लिए यह एक नो-फ्रिल पॉलिसी है. इस विकल्प को चुनने का मतलब है कि आपको चुने गए विकल्पों के आधार पर फिक्स्ड प्रीमियम का भुगतान करना होगा. हालांकि, स्वैच्छिक डिडक्टिबल और परिवहन लाभ और ज़ीरो डेप्रिसिएशन कवर जैसे ऐड-ऑन कवर इस विकल्प में शामिल नहीं होते हैं.

लचीला

यह प्लान दोनों स्थितियों में अच्छा है! यह आपको अपने ऐड-ऑन कवर और स्वैच्छिक डिडक्टिबल चुनने का विकल्प प्रदान करता है. यह प्लान आपको प्रीमियम राशि पर बचत करने और आपकी ज़रूरतों के अनुसार अपना कवर बढ़ाने का अवसर देता है.

इंश्योरेंस समझो

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गंभीर बीमारी के लिए बीमा

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Health Claim by Direct Click

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पर्सनल एक्सीडेंट पॉलिसी

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ग्लोबल पर्सनल गार्ड पॉलिसी

Claim Motor On The Spot

Two-Wheeler Long Term Policy

24x7 रोडसाइड/स्पॉट सहायता

Caringly Yours (Motor Insurance)

ट्रैवल इंश्योरेंस क्लेम

कैशलेस क्लेम

24x7 Missed Facility

ट्रैवल इंश्योरेंस क्लेम फाइल करना

My Home–All Risk Policy

होम इंश्योरेंस क्लेम प्रोसेस

होम इंश्योरेंस आसान किया गया

होम इंश्योरेंस कवर

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ऐप डाउनलोड करें

हमारे ग्राहक क्या कहते हैं

तुरंत सहायता

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.

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विक्रम सिंह

दिल्ली

4.6

21st May 2021

क्लेम सपोर्ट

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.

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दीपक भानुशाली

मुंबई

4.5

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!

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नवीन त्यागी

दिल्ली

5.0

1st May 2021

क्लेम सपोर्ट

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. 

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प्रमोद चंद लकड़ा

जयपुर

5.0

27 जुलाई 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.

SibaPrasadMohanty

शिबा प्रसाद मोहंती

पुणे

5.0

26 जुलाई 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. 

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राहुल

लखनऊ

5.0

26 जुलाई 2020

सामान्य प्रश्न

मेरे प्रीमियम का निर्धारण करने वाले कारक कौन से हैं?

कई अलग-अलग कारक हैं जो आपके कार इंश्योरेंस पर भुगतान की जाने वाली प्रीमियम राशि को निर्धारित करते हैं. प्रीमियम राशि निर्धारित करने में योगदान देने वाले कुछ आवश्यक कारक हैं - आपकी कार का प्रकार, इंजन क्षमता, मॉडल, आयु आदि.

इसके अलावा आपके द्वारा भुगतान की जाने वाली प्रीमियम राशि आपके द्वारा चुने गए अतिरिक्त कवर की संख्या पर भी निर्भर करती है.

मुझे अपनी कार इंश्योरेंस क्यों रिन्यू करनी चाहिए?

कार इंश्योरेंस न केवल आपके वाहन के लिए फाइनेंशियल कवर के रूप में कार्य करता है बल्कि कई अन्य लाभ भी प्रदान करता है. अपनी कार इंश्योरेंस पॉलिसी को रिन्यू करके, आप यह सुनिश्चित करते हैं कि आपको ये सभी शानदार लाभ प्राप्त होते रहें. 

सबसे महत्वपूर्ण बात, हर क्लेम-फ्री वर्ष के लिए, हम नो क्लेम बोनस के माध्यम से आपके कवर में वैल्यू जोड़ते हैं. यह या तो प्रीमियम राशि में संबंधित वृद्धि के बिना सम अश्योर्ड को बढ़ाएगा या फिर प्रीमियम राशि को कुछ प्रतिशत तक कम कर देगा.

हालांकि, अगर आप कार इंश्योरेंस को रिन्यू नहीं करते हैं तो इसे अनुबंध की समाप्ति माना जाता है! अगर आप इसे समाप्ति अवधि के 90 दिनों के भीतर रिन्यू नहीं कर पाते हैं, तो आप संचित नो क्लेम बोनस लाभ खो सकते हैं.

पॉलिसी का रिन्यूअल करते समय मुझे किन डॉक्यूमेंट की आवश्यकता होगी?

To renew your policy, you will need to provide several important documents. These include your vehicle’s registration number, documents containing your personal details such as your age, name, and date of birth, as well as your driving license information. Additionally, you will need to submit the details of your existing policy.

Can I transfer my existing motor insurance policy to the new owner?

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.

What risks are covered under an insurance policy for a vehicle?

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.

Why should I buy comprehensive vehicle insurance policy?

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.

What is a Third-Party Liability Cover?

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.

Differenciate Third-Party Liability and Comprehensive Motor Insurance?

"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"

Will my no claims bonus be transferred if I renew my motor insurance?

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.

What is premium reduction process if no claim aquired previously?

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.

मैं अपना क्लेम कैसे दर्ज करूं?

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.

What is a "deductible" or "compulsory excess" in motor insurance?

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.

Why does my vehicle insurance premium change during renewal?

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.

How 'no claim bonus' is calculated at the time of renewal?

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.

What is break-in insurance? What should I do in case of break-in?

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.

When is vehicle inspection mandatory in motor insurance?

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.

Can I change my motor insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.

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