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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 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.

 

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 offer 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. 


Explore More Choices At Your Disposal


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. 


Car Insurance Coverage Offered By Bajaj Allianz


True to our promise of providing solutions to your needs, we give you extensive cover from a number of situations. Here are some of them:


Cover Against Natural Disasters

Natural calamities can strike at anytime and cause unexpected damage to your favourite car. However, our plans help you quickly get back on your feet. We cover you from any loss or damage caused due to natural calamities like fire, explosion, earthquake, lightning, storm, hurricane, cyclone, frost, hailstorm, etc.


Cover Against Man-made Disasters

Objects in the rear view mirror may truly be closer than you think. Our insurance plans steady your life after loss or damage due to an accident or natural event. They let you can take the threats of theft, burglary, strike, riots, terrorism etc in your stride.


Cover Against Personal Accident

We wish you calm seas and fair winds on your commutes, but things can potentially go wrong. If an unfortunate accident occurs, you don’t have to worry about the financial implications.

Along with accidental damage cover, we also give a Personal Accident cover of Rs. 1 lakh for the individual owner/driver of the vehicle while driving or travelling. We also provide Optional personal accident covers for the co-passengers.


Third Party Legal Liability

If you meet with an accident, the probability of damage or injury to life and property is quite high. To help you steer away from any legal liabilities arising from it, Bajaj Allianz offers you comprehensive coverage that protects you from the financial impact. 

Simplifying Car Insurance

What are the factors that determine the premium I have to pay?

There are a number of different factors that determine the premium amount that you pay on your Car Insurance. Some essential factors that contribute towards determining the premium amount are your car’s type, engine capacity, model, age etc.

The premium amount that you have to pay is also decided by the number of additional covers you chose to have.

What are the Key Benefits of having a Car Insurance with Bajaj Allianz?

We’re not bragging when we say that we offer the Best Car Insurance Policy available in the market. Here’s why:

●        You can buy or renew your car insurance online in just a few clicks.

●        Cashless claim settlement at over 4000 garages across the country. In case of non-availability of cashless facility,  get 75% on account payment

●        We’re just a call away around the clock even on holidays. You can call us on the toll-free number from any corner of the country and we would be happy to assist

●        Transfer upto 50% of the No Claim Bonus while transferring your insurance from a different provider

●        24*7 claim assistance and SMS updates

●        Towing facility to take your car to the garage in case of breakdown

●        Drive Smart to keep track of the usage of your car, track and analyze the patterns

●        24*7 repair of a flat tyre, fuel delivery, spare key service etc.

●        Free drop facility to a place within 50 km of your car’s breakdown location

Why should I renew my car insurance?

Car Insurance not only acts as a financial cover for your vehicle but also provides many other advantages. By renewing your Car Insurance policy, you ensure that you continue receiving these wonderful benefits.  

More importantly, for every year you remain claim free, we add value to your cover through No Claim Bonus. It would either increase the sum assured without a corresponding increase in premium amount or lower it by a certain percentage.

However, failing to renew your car insurance would be a no-deal! You may lose the accumulated No Claim Bonus benefit, if you fail to renew the same within 90 days of expiry.

What documents would I require while going for policy renewal?

The documents that you would require while renewing your policy are listed below

●        Your vehicle’s registration number

●        Documents with your details such as age, name, DOB, etc.

●        Driving license information

●        Existing Policy Details


Written By : Bajaj Allianz - Updated: 22nd April 2024

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.

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