Best Car Insurance

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!

What is Car Insurance?

Car insurance plays a major role as a financial safety net for your vehicle, offering protection against various unforeseen events. Whether accidents, thefts, natural disasters, or damage to third-party property or individuals, having a car insurance policy protects you from significant financial losses. It protects your vehicle and provides peace of mind, knowing that you won't bear the entire financial burden in case of an accident or other mishaps on the road.

Key Features of the Best Car Insurance Policy

The best car insurance in India should offer a comprehensive range of features to provide you with peace of mind:

Covers Expenses on Own Damage

Car insurance helps cover repair costs from accidents and natural disasters, protecting you from unexpected repair expenses.

Third-party Liabilities

It covers damages your vehicle might cause to others and their property, so you don't have to pay out-of-pocket.

Personal Accidents

It provides financial support for medical expenses, permanent disabilities, and accidental death for the driver and passengers.

Mandatory By Law

The Motor Vehicles Act requires every car owner to have at least third-party insurance. Not having it is illegal and can lead to fines.

Extended Benefits with Add-ons

Add-ons like depreciation cover, consumables cover, breakdown assistance, and engine protection enhance your policy, offering extra protection and benefits.

Additional Convenience

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.

Difference Between The Car Types Insurance 

What Features Should The Ideal Car Insurance Plan Include?

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.

What are the Different Types of Car Insurance Policies?

The best car insurance company in India offers many types of car insurance plans to cater to specific needs and budgets:

Third-Party Liability (TP) Insurance

This is mandatory by law in India and covers any injuries or property damage caused to a third party by your car.

Comprehensive Coverage

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.

Why Should I Choose Bajaj Allianz Car Insurance?

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!

Easy To Purchase And Renew

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 Roadside Assistance

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.

Cashless Claims

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.

DriveSmart Telematics Service

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.

The data would help you understand your car better and make better decisions regarding its maintenance and upkeep. By analyzing your driving history, you may be able to save quite a bit on fuel and repairs. Money that can be better spent elsewhere!

Transfer of No Claim Bonus Discount

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:

Lock and Key Replacement Cover

Lost your car keys and don’t have another set? That would have set you back by a few hundred rupees. Not any longer. Under our Lock and Key Replacement cover, we compensate you for the charges you incur on making duplicate lock and keys.

Consumable Expenses

Consumables like brake oil, engine oil, AC oil, gearbox oil etc. are essential to run your car efficiently. Our Consumable Expenses cover helps you make sure that your engine is revved up despite an unfortunate accident.

Personal Baggage

Some of you might keep your car prepared for instant getaways, storing an overnight bag or some travel essentials in your car itself. What if we told you that we offer an add-on that would cover the loss of this baggage? Well, we do! So go ahead, and get your baggage covered.

Accident Shield

Our Accident Shield add-on cover protects the occupants of the insured car from the financial implications of death and disability associated with an accident.

Zero Depreciation Cover

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.

Conveyance Benefit

Whether you have to resort to carpooling or take a bus, you’d have to make alternate arrangements after an accident at a considerable cost. Although we cannot hasten the repair process, we provide you daily cash under the Conveyance Benefit cover for the number of days your car is undergoing repairs post-accident.

Smart Car Insurance Options by Bajaj Allianz

Well, with Bajaj Allianz Car Insurance, you’re never short of options. We want to make it possible for you to get coverage that is flexible, affordable and power packed. The following plans give you well rounded protection that looks out for you in an emergency.

Best Value

This plan offers the lowest premium levels and also comes with an in-built voluntary deductible of Rs. 15000. Sounds like jargon? Well, Voluntary deductible is the discount in your premium that you get by paying a certain amount out of pocket during a claim.

Standard

This is a no-frills policy for those of you who want just the policy without any extra covers. Choosing this option means that you have to pay a fixed premium based on the options you have selected. However, voluntary deductible and add-on covers like the Conveyance Benefit and Zero Depreciation Cover are not included in this option.

Flexible

This plan offers the best of both worlds! It offers you the option to choose your add-on covers and voluntary deductibles. This plan gives you the opportunity to save on the premium amount and also increase your cover as per your needs.