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Motor Insurance

Buy/Renew Bajaj Bike Insurance

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Premium Starts At ₹538*

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

Coverage Highlights

Get comprehensive coverage for your bike
  • Cashless Garages

7,200+ network garages for hassle free services

  • Own Damage Cover

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

  • Third Party Liability

Unlimited liability for third party bodily injuries and INR 1 lac for third party property damage

  • Personal Accident Cover

Starting from INR 15 Lacs

  • No Claim Bonus

Up to 50%

  • Optional Covers

Wide range of Add Ons

  • On The Spot Claim Settlement

You can instantly register your bike 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

  • Note

Two-Wheeler TP Insurance Premiums starting at INR 538

Inclusions

What’s covered?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your bike 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 1 lac)

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

  • Accidents

Damages and losses that arise out of accidents and collisions

  • Natural or Man-Made Disasters

Damages and losses to bike by events like floods, cyclones, earthquakes, riots or vandalism

  • Fire Damage

Damages and losses if your bike catches fire or explodes

  • Theft

Financial losses when your bike is stolen

  • In Transit Damage

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

  • Personal Accident

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

  • Add-On Covers

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

Exclusions

What’s not covered?
  • Intentional Damage

Any damage caused to the bike intentionally

  • Depreciation

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

  • Mechanical or Electrical Breakdown

If your bike 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 bike, 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 bike, your claim will be denied

  • 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 bike 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

  • 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

  • Return to Invoice (RTI) Cover

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

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

At-A-Glance

Compare Insurance Plans Made for You

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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 bike. It is mandatory by law. Covers expenses arising out of damage to your bike. 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 1/2/3 years 1 Year 1/2/3/5 years 1/2/3/5 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
No Claim Bonus No Yes Yes Yes
Add-on: Zero Depreciation Cover No Yes No Yes
Add-on: Lock & Key Replacement No Yes No Yes
Add-on: 24x7 Roadside Assistance No Yes No Yes
Add-on: Consumables Cover No Yes No Yes
Explore more add-ons No 25+ Add On's 25+ Add On's 25+ Add On's

Download Policy Document

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

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!

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 bike details

  • 3

    You will be redirected to the bike Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose right Insured Declared Value(IDV) that reflects your bike 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

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What Our Customers Say

Quick Claim Settlement

The entire claim process was effortless. I received my claim amount quickly, and the service was top-notch. Thanks, Bajaj Allianz!

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Sanjay Rana

Tamil Nadu

4.9

10th Jan 2021

Affordable Premiums & Great Coverage

Extensive coverage at an affordable premium. The added benefits like roadside assistance make this policy a great choice!

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Diya Kapoor

Jharkhand

5.0

15th Dec 2024

Cashless Repairs Without Hassles

Got my car repaired at a network garage without any paperwork. The cashless facility is truly a lifesaver!

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Abhishek Mishra

Punjab

4.8

5th Feb 2020

Easy and Transparent Purchase

The policy purchase process was smooth. Everything was clear, and I got extensive coverage at a reasonable price!

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Neha Agarwal

Goa

4.7

25th Jan 2024

FAQ's

What is bike insurance?

Bike insurance, also known as two-wheeler insurance, is a type of insurance policy that provides financial protection against any damage or loss caused to your bike or any third-party property or person in case of an accident or other unforeseen events.

Is it mandatory to have bike insurance in India?

Yes, as per the Motor Vehicles Act of 1988, it is mandatory for all bike owners to have at least a third-party liability insurance policy.

What is covered under a comprehensive bike insurance policy?

A comprehensive bike insurance policy covers both third-party liabilities as well as damages or losses caused to your bike due to natural disasters, accidents, theft, and fire, among other things.

How is the premium for bike insurance calculated?

The premium for bike insurance is calculated based on various factors such as the make and model of the bike, age of the bike, geographical location, type of insurance policy, and add-ons selected.

How can I renew my bike insurance policy?

You can renew your bike insurance policy online by visiting the insurer's website, entering the required details, selecting the policy, and making the payment.

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. Third party liability, third party property damage, personal accident cover, own damage, theft, natural/manmade calamities, etc. are some of the common risks that are usually covered under motor insurance for a vehicle.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle from damages due to an accident, theft, or natural disasters and damages caused to third party etc.

What is a Third-Party Liability Cover?

Third-Party Liability Cover is a type of insurance plan that covers that damages caused to a third-party from your vehicle.

What's the difference between third-party and comprehensive insurance?

Third-Party Liability covers damages incurred by another person or their property; it's mandatory by law to get a third-party insurance plan for your vehicle in order to drive it in India. Whereas, Comprehensive Motor Insurance covers third-party liability and damages to your own vehicle due to accidents, theft, 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 (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.

What is premium reduction process if no claim acquired previously?

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 people who have long-term insurance policies with the same company.

Where can I initiate a claim?

You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best 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?

Deductible is the amount a policyholder pays out of their 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 NCB 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 a break in insurance?

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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With offerings like Pulsar and CT in their line-up, Bajaj Auto is quite a popular choice amongst two-wheeler enthusiasts. Apart from bikes, they also have scooters in their product line. If you are looking for a stylish yet performance-oriented two-wheeler, you can consider these options.

Due to the growing number of vehicles on the road, the risk of your brand-new Bajaj Auto two-wheeler getting damaged cannot be ignored. To safeguard your vehicle from accidents and get financial compensation for damages, you should purchase a Bajaj Auto insurance policy. 

Types of Insurance policies for Bajaj Auto Models

Packed with amazing features, these bikes make for an economical purchase. Easy to learn and fuel-efficient, they would make a great mode of transport for you. When you are buying a Bajaj bike, you should also simultaneously go ahead and buy two-wheeler insurance. There are two main types of bike insurance policies that you can buy - third-party bike insurance and comprehensive bike insurance. Bajaj Allianz General Insurance Company offers both types of insurance policies.

Third-party Bike Insurance:

Third-party bike insurance, also known as third-party liability insurance, provides coverage for damages caused to a third-party person or their property by your bike. It is a mandatory requirement by law in India for all bike owners to have third-party bike insurance.

Comprehensive Bike Insurance:

Comprehensive bike insurance, on the other hand, provides coverage not just for third-party damages but also for damages to your own bike due to accidents, natural calamities, theft, and other incidents. It also offers personal accident cover for the owner and optional add-ons to customize the coverage further.

If you own a Bajaj bike, you can buy third-party insurance for Bajaj bikes or a comprehensive insurance policy based on your needs and requirements.

Add-on covers for your Bajaj Auto Bike

When you purchase insurance for your Bajaj bike online, you can include some of these add-ons to your comprehensive policy:

• Zero Depreciation Cover:

This add-on ensures that the policyholder receives the full claim amount without any deduction for depreciation of bike parts.

• Personal Accident Cover:

Personal accident cover add-on provides financial protection in case of accidental death or permanent disability of the policyholder while riding the insured bike.

• Roadside Assistance Cover:

This add-on provides assistance in case of breakdown or emergency on the road, including towing service, fuel delivery, and other services.

• Engine Protect Cover:

Engine Protect add-on covers the cost of repair or replacement of the engine in case of damages due to water ingression, oil leakage, or other similar reasons.

• No Claim Bonus (NCB) Protect Cover:

This add-on ensures that the policyholder retains their NCB discount even after making a claim during the policy term.

• Consumables Cover:

This add-on covers the cost of consumables used during bike repairs, such as engine oil, nuts, bolts, and screws.

• Return to Invoice Cover:

This add-on ensures that the policyholder receives the original invoice value of the bike in case of theft or total loss due to an accident.

The availability of add-ons may vary depending on the insurance provider and the type of bike insurance policy chosen. 

How to buy bike insurance online for Bajaj two-wheeler?

To purchase Bajaj insurance online, you can proceed as follows:

  1. Go to the insurer's website.
  1. Enter the required details of your bike and other necessary information.
  1. Choose the plan that meets your requirements.
  1. Based on your selected policy, you will receive a quote.
  1. By selecting the comprehensive Bajaj insurance policy, you can customize it with add-ons of your choice.
  1. Pay for your policy on the website through the online payment gateway.

These steps are straightforward, and you can quickly buy the policy. If you want to know the price of Bajaj Auto insurance policy, you can use the two-wheeler insurance calculator to get an approximate quote for your policy.

How to Renew Bajaj Insurance Online?

Renewing your Bajaj bike insurance online is a simple and convenient process. Here are the steps to renew your Bajaj insurance policy online:

  1. Visit the official website of the insurance provider and select the "Renew Bike Insurance" option.
  1. Enter the policy details, including the policy number and expiry date, and provide the necessary information about your bike.
  1. Verify the information provided and select the coverage options that you require.
  1. Review the policy terms and conditions and confirm the payment for the policy. In case of a difference between the premiums at the time of renewal, it can be due to modification of coverage and/or inclusion and exclusion of add-ons.
  1. Once the payment is processed, you will receive a confirmation email with the renewed policy details.

In case you have any queries, you can contact the insurer's customer support team or chat with their online chatbot for assistance.

How to file a Bajaj Auto Insurance Claim?

To file a claim for a cashless or reimbursement bike insurance plan, follow the below steps:

For Cashless Claim:

  1. Inform your insurance company immediately after the accident.
  2. Take your bike to a network garage, which is affiliated with your insurance company.
  3. The insurance company will appoint a surveyor and get the vehicle inspected to provide an estimated cost for repair.
  4. The surveyor will then provide the cost estimate to your insurance company.
  5. The insurer will review the cost estimate and approve the claim.
  6. After the repair is completed, you can take your bike home without paying anything to the garage. The insurance company will directly pay the garage for the repair costs.

For Reimbursement Claim:

  1. Inform your insurance company immediately after the accident.
  2. Take your bike to a garage of your choice.
  3. The garage will inspect the damage and provide an estimated cost for repair.
  4. You will need to pay the repair costs to the garage and collect a receipt.
  5. Submit the claim documents, including the receipt, to your insurance company.
  6. The insurer will review the claim and reimburse you for the amount paid, after deducting any applicable deductibles or depreciation.

Note: It is important to keep all relevant documents such as the insurance policy, driving license, registration certificate, and FIR (if applicable) handy while filing a claim.

Documents Required for Bajaj Bike Insurance Claim

  1. Copy of insurance policy.
  2. Copy of driver’s license.
  3. Copy of FIR.
  4. Copy of your Bajaj two-wheeler registration certificate.
  5. Estimate bill from a garage.