1
Claim Assistance
Get In Touch

Car Insurance Online Policy

We protect what you love
Car Insurance Online Policy

Let's get started

Please enter name
Get a Quote
Retrieve quote
Please enter valid quote reference ID
Please enter valid mobile number

What’s in it for you

On the spot claim disbursements 

24x7 spot road assistance

Self-survey for hassle-free claim settlements

WHY BAJAJ ALLIANZ CAR INSURANCE?

While driving, your safety depends on three things: A steady pair of hands, respect for traffic rules and an effective Car Insurance Policy. Your car is almost like a home on wheels considering the amount of time one spends in it. If you wouldn’t drink and drive why drive without an active Car Policy?

As you know, the Motor Vehicles Act makes it mandatory for you to drive an insured vehicle. Getting comprehensive coverage keeps you on the right side of the law and lets you drive without worrying too much about accidents or mishaps.

With Bajaj Allianz Car Insurance, you don’t need an astrologer. It is like having fate on your side!

When buying a new car insurance policy, we’re sure you want the best value for money. Bajaj Allianz Auto Insurance plans offer affordable and flexible coverage that give your vehicle a long life.

If you suddenly find yourself feeling unusually calm and at ease while on the road, chances are that your Bajaj Allianz Car Insurance Policy has something to do with it! After all, it does insulate you from loss or damage incurred by your car or because of it. The premium amount is a small price to pay considering the benefits you get from car insurance*!

As winners of the General Insurance Company of the Year Award 2018, we take pride in building caring and engaged relationships with you that go beyond four wheeler insurance. Our team at Bajaj Allianz is passionate about bringing you flexible and cost-effective Car Insurance plans.

Our results speak for themselves. Our reach has expanded to over 1000 new locations across India where we now serve lakhs of customers. Leveraging the power of digital, our Virtual Office puts you within reach of the best available options for car insurance online. One click it all it takes!

Like millions of car owners across India, you can trust us with your car insurance policy. We’ve got your back with package policies to protect you and your car against physical damage, bodily injury/death and cover against third-party liability.

We offer a whole lot when it comes to car insurance plans

Key Features & Benefits of Car Insurance

When we say we’ll take care of your car, we mean it! Our award winning Best Customer Service Initiative Project, Motor OTS (On-The-Spot) is a testament of our commitment to serve you better. When you compare car insurance plans, cost and benefits are likely to be foremost on your mind. Bajaj Allianz plans are light on the wallet and offer add on covers that multiply the value you get!

We make it easy for you to find your ideal car policy online. 

  • 24X7 Spot Assistance

    Our promise to take care of you and your car does not have opening and closing hours. We provide a Pan-India cover option for car insurance policyholders who need assistance while on the road. Whatever you need from us – repair of flat tyre, jump start for car battery, on-road towing assistance or legal advice in case of an accident – we’re at your beck and call round the clock. 

  • 4000+ Network Garages

    Your convenience is our priority, which is why we tied-up with 4000+ garages. Avail cashless claim settlement and high-quality services at any of your preferred network garages across the country. Cashless garage service offers quick service minus the hassles.

  • Easy to buy and renew the policy online

    To buy a car insurance, you do not have to go beyond the four walls of your home or office. With a range of online car insurance options to choose from, Indian consumers are taking the smart route, whether for car insurance renewal or to buy car insurance.

    The Bajaj Allianz General Insurance website lets you shop for car insurance plans at your convenience, giving you an opportunity to compare car insurance plans, offering you a range of insurance quotes and letting you decide the best option for you needs.

    Affordable premium amounts, flexible add on covers and comprehensive coverage provided by our online car insurance offerings are among the best in the industry. 

  • Motor On-The-Spot

    If you can do something with a few clicks, why spend time to do it in person? Motor On-The-Spot allows you to conduct a self-survey of your vehicle in case of an accident. Settle claims on the spot in a hassle-free way. 

  • Zero Depreciation

    While the sentimental value of your car may increase over time, its actual value only decreases. Reduction in car value usually means lower claims. But with the Zero Depreciation cover you can protect your car from depreciation expenses, minimizing your out-of-pocket expenses during a claim and increasing your savings.

Why Car Insurance?  Watch the video to know more

Claim Process

When you need us, all you have to do is reach out. To make connecting with us and filing a claim more convenient for you, we have two options:

Option A: To register your claim online, please click here.

Option B: Call our Toll-Free Number 1800-209-5858 to register your claim on the phone.

Either way, the process is quick and hassle-free. You only need to provide the following basic information:

●        Contact number

●        Engine and Chassis Number

●        Accident date and time

●        Description and location of the accident

●        Vehicle inspection address

●        Km. reading

Yes, filing a claim is that simple. Once the claim is registered, our customer support executive will provide you with a Claim Reference Number.

We will keep you in the loop by constantly updating you at every stage of the claim process through SMS. Alternatively, you can also call our Toll-Free Number and quote the Claim Reference Number to know the status of your claim.

Note: Dial our Toll-Free Number 1800-103-5858 to avail roadside assistance round the clock. From changing a tyre to legal advice in case of an accident, we’re here for you 24x7. This is applicable for Bajaj Allianz customers, who have opted for this feature in their Car Insurance policy. 

Read more Read less

Once you’ve registered your claim, it’s time to part with your car for a bit and send it for repairs.

In case of an accident: First off, we hope you’re alright. If yes, take your car to the garage if it’s safe to move it or have it towed to prevent further damage.

In case of theft: Don’t panic, please! File a police complaint in writing right away and inform us by dialling our Toll-Free Number.

After 90 days, if your car is not still found, ask the police to issue you a Non-Traceable Report. This report is an undertaking by the police that they are yet to find your car. On submission of this report to us, we can start the claim process.

Note: To understand the benefits of Cashless Claims and to get more insights into the claim process, please read our section on Claim FAQ. Additional information always helps, right? 

Read more Read less

We take great pride in being there for you and hence our claim settlement ratio is among the best in the industry.

 

Documents required: You need to submit the copy of documents to the garage/dealer and get them verified with the originals. For the list of documents required to process the claim, please refer to the above checklist.

Spot settlement: If the loss is not severe, you can avail spot settlement of claims through the Bajaj Allianz Mobile Settlement Service also known as Motor On-The-Spot. You can self-inspect and get the claim settled significantly faster.

Claim settlement: Once the repairs are complete at a garage of your preference, we will make the payment directly to the garage. The only money coming out of your wallet will be the ‘excess’ as mentioned in the policy and the depreciation value.

Note: You can opt for the Zero Depreciation add-on cover to minimize your out-of-pocket expenses at the time of claim and increase your savings.

Read more Read less

Now get your car claims settled in an instant! With the Motor On the Spot (Motor OTS) feature, which helps you file claims up to INR 30,000/-. You can self-inspect your car and receive the claim amount in your account in 20 minutes after filling all the necessary details through our mobile app -  Insurance Wallet.

To use Motor OTS  -

✓       Sign in to the Insurance Wallet app (link for download  or IW app page/playstore)

✓       Take clear pictures of the damage caused to your car and upload the same on the mobile app

✓       Your approved claim amount will be credited to your bank account directly 

Read more Read less

Let’s begin with some Quick Facts about car insurance!

What is Car Insurance Policy?

Why do you carry a spare tire? Because you never know when you’re going to need one. Car Insurance is no different.

It helps you take care of expenses arising from unexpected events like road accidents, theft and third party liability. Disability, physical injuries, death; the consequences are scary. Also, In the event of an accident, car repairs can cost you a big chunk of money which can throw your finances into disarray.

You’d think you would probably be better off never letting your stallion out of the stable. But where’s the fun in that?

Car insurance is the knight in shining armour that covers you and your hard earned money from accident expenses and legal liabilities. Bajaj Allianz brings to you a range of customized solutions that let you indulge your ‘need for speed’ without excessive worry!

What’s more, our world class insurance products cover your vehicle against most threats- from theft to accidents – like an invincible force field.

We are all-rounders when it comes to car insurance plans. From easy vehicle insurance renewals, innovative plans, add-ons and best-in-class customer service, we leave nothing to chance when it comes to giving you the experience you deserve.

Our extensive network of garages and 24x7 Roadside Assistance facilities help you get your engines revving in no time. And yes, we believe in cashless service with a smile.

What is third party car insurance?

Accidents can be messy. Apart from a hefty repair bill for your own car, you could also be held liable when there is a loss of life or damages suffered by a third party. A third party is anyone other than you (the insured) or us (your insurer) that may be involved in the accident.

To protect yourself from such liabilities, you need third party car insurance which lets you settle any claims arising from accidental death or injury or damage to others property.

You need to remember though, that third party car insurance does not cover the cost of damage to your own vehicle at all.

But you might wonder….

What is covered under comprehensive car insurance cover?

Comprehensive car insurance plans cover you against unforeseen events such as damage caused by natural disasters or theft. While cruising on the highway, if you get caught in a landslide or hit a wayward animal, comprehensive car insurance will cover the damages. 

With instances of car theft being on the rise, in addition to an anti-theft alarm and GPS tracking beacon, you need car insurance to secure your vehicle.

Comprehensive coverage includes both your own as well as third party damages. In the hour of need, it can be your best friend indeed!

What is depreciation in car insurance?

Time has a way of catching up with you, whether man, beast or machine. Depreciation is the ongoing reduction in the value of your car calculated on an annual basis. When you decide to insure your car, the market value of your car minus depreciation determines the maximum insurance cover available.

Within a period of 5 years from the date of purchase, your car’s value may depreciate by as much as 50%.

Now, let’s understand Policy Related aspects such as….

How is car insurance calculated?

Everything you need to know about what goes into the calculation of car insurance starts at understanding the concept of Insured Declared Value (IDV) of the car.

IDV is the value of your car estimated at the time of insurance application. It’s usually the market value of the car minus the depreciation. The IDV is also the maximum sum for which your car can be insured.

Not only does the IDV help in determining how much coverage your car needs but also the premium payable.

The age of your car is another important aspect in determining the amount of coverage it needs and the premium payable. It’s important not only to assess the degree of risk but is also linked to depreciation, which in turn is an integral part in calculating the IDV.

Other factors that play a role in determining the car insurance coverage and premium are the type of car, cubic capacity of the engine, geographical zone, No Claim Bonus, voluntary excess and other insurance terms agreed upon.

With the help of our online calculator, you can bid goodbye to the technicalities and calculate your car insurance premium within 10 minuscule seconds!

What does NCB stand for in car insurance?

Think of it as a performance bonus for not making a claim against your car insurance plan. NCB stands for No Claim Bonus. NCB  is a discount offered on the motor insurance premium to the insured at the time of renewal of their policy. There is a condition though. For the discount to be applicable, no claims need to have been made during the previous policy period.

What benefits can one get by paying additional premium while purchasing car insurance?

We know your car insurance needs can vary. So, we offer a range of add on covers that offer customised protection against a range of risks. For example, your four wheeler insurance plan can be topped up with several add on covers such as Personal Accident insurance. This add on coverage comes at an additional premium. These covers and their benefits are listed below:

24x7 Spot Assistance which provides services such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more during emergency situations

Lock and key replacement cover that indemnifies the insurer for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle. In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same.

Accident Shield that provides compensation for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car.

Consumable Expenses that covers cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident.

Conveyance benefit that offers 'per day' cash benefit if the insured car is in a workshop following an accident and the claim for the same is accepted

Personal baggage that indemnifies the insured in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle

What are the benefits of buying car insurance online?

Buying car insurance online has many advantages. Firstly, you get to compare car insurance plans on offer and make an informed choice. Secondly, you are more likely to own an insured vehicle for a substantially low premium amount and comprehensive loss or damage protection as well. The benefits surely outweigh the costs, we’d say.

Here are some of the benefits of buying car insurance online:

The advantage of choosing from a variety of options to suit one's needs

The buying process is fast, hassle-free and has very few steps

Payments to activate your car insurance policy and premium amounts can be made securely.

Is my NCB transferable when I change my car or insurer?

Yes, isn’t that great! Your No Claim Bonus (NCB) can be transferred even if you decide to change your car or your insurer. NCB solely depends on your claim-free record, which in turn shows how carefully you drive and maintain your car. So, if you have had a claim free year, you can easily transfer your NCB to another provider of your choice.

Please note that NCB discount is applicable only on own damage premium and not third party insurance for cars.

What happens if my car insurance lapses?

If your car insurance lapses you will have to produce the vehicle for inspection, after which the policy will be renewed. And now for the most unfortunate part. If you have earned an NCB and you do not renew your policy within 90 days of it lapsing, your NCB percentage will be reduced to zero.

That means no bragging about your accrued NCB that you had built with such patience and persistence.

What is a comprehensive car insurance policy?

There are two types of car insurance policies you can purchase- Comprehensive Motor Insurance policy or Third Party Insurance policy.

Comprehensive coverage offers both own vehicle damage as well as third party liability protection.

Third party insurance, on the other hand, covers third party liability only.

It is mandatory to have a third party liability insurance as per the Motor Vehicles Act enacted by the Government.

What is zero depreciation or nil depreciation in car insurance?

When your vehicle meets with an accident and the parts need to be replaced while repairing as per assessment, customer needs to bear the depreciation as per age of vehicle and material type. This depreciation is covered under nil depreciation or zero depreciation.

What is compulsory deductible in car insurance?

Say you meet with an accident and insurance company liability (amount) of repair comes up to Rs 5000, you will be required to pay some of the amount say 1000 or 2000 based on the cc (cubic capacity) of your Car, as compulsory deductible or compulsory excess.

What is the period of car insurance policy?

All insurance companies have to define a period for which the insurance cover is applicable. Both the policy start date and end date will be clearly mentioned on the policy document furnished by the insurance company. Insurance is valid within the start and end date. Post the end date, you will be required to renew the policy to enjoy further insurance cover. Car insurance renewal should be made as soon as possible to get its continued benefits.

How to renew lapsed car insurance policy?

Yes, you can renew your motor insurance car insurance policy online, starting 60 days before the expiry of your existing policy. In case your vehicle insurance policy has already expired, our authorised surveyor will inspect the vehicle, before policy issuance. The policy would only be issued subject to a satisfactory inspection and submission or required documents.

How can I claim my Car insurance plan?

To register an insurance claim with us, all you need to do is call us on the Toll Free Number - 1800-209-5858. We’ll quickly initiate the processing of your claim. To keep you posted on the status of your claim, we’ll send you SMS updates throughout the process.

Online claim registration is available via our website. It is easy and incredibly quick. You’ll be able to generate a confirmation including a registration number which you can quote to speak with us regarding the claim status in future.

What documents do I need for car insurance claims?

Let’s face it. Accidents happen. You need to call us quickly in order to initiate the car insurance claim process. You’ll need to provide the following documents:

Firstly, you would need to submit the Claim Form duly signed.

For verification, you’ll also need to provide a valid R.C. copy.

Similarly, we’ll need a copy of a Valid driving license.

You’d also need to provide a copy of the policy.

A copy of the FIR, if required (For Theft, Third Party Injury/ Damage; Highway accidents )

Original repair bill, proof of release and cash receipt

Any other document that we may require during the process.

What is the best way to renew my car insurance policy?

The simplest and most convenient way is to renew car insurance online. The beauty of renewing your car insurance policy online is that it only takes a few minutes. All you need to do is fill in the basic details, which includes details of the policy number and expiry date of your existing policy. Just a few clicks and you’re done!

Our happy customers!

Urminder Singh

Well explanation and assistance to select Telematics, very much interactively. Thanks for your support Bajaj Allianz

Rajesh

It was fast and convenient way to buy insurance online from such a reputed company. Great Job

Shaik Feroze

Easy walk through to buy the car policy online

You can satisfy your ‘need for speed’ without worry!

Get a Quote

Third Party Liability is always covered

ADD ON COVERS UNDER AUTO INSURANCE POLICYBecause we are happy to go the extra mile

Depreciation Shield

Wear and tear of your car is the natural result of the passage of time. While you may have no control over the clock, we can help protect you from bearing the expense of depreciation during a claim with Depreciation Shield.

Engine Protector

It is human instinct to protect either the one who is weak or the thing that’s the most precious. When it comes to your car, the engine happens to be both. The Engine Protector cover financially guards the engine against every possible issue, from water ingression to hydrostatic lock and everything in between.

Consumable expenses

Unlike that friend who tries to avoid paying his share of expenses, we cover the cost of all consumables like engine oil, gearbox oil, power steering oil, coolant, brake oil and more that may be incurred while repairing the damaged car post accident.

Conveyance Benefit

In case your car is being repaired in a workshop post accidental damage and the claim for it is accepted, we will provide you financial support for your daily commute. The conveyance benefit will not burden you with unnecessary additional expenses and will help you stay on budget.

Key and lock replacement

Wouldn’t it be nice to have a virtual password instead of a physical key for your car? Sadly, technology has some progressing to do and for now we’re stuck with the physical key, which is quite easy to misplace. However, the cost of key replacement and fitting or purchasing of new locks will be covered by us.

Personal Baggage

We know your car is like your own portable safe holding things that mean something to you. Hence, we offer the Personal Baggage cover that will indemnify you in case of any loss or damage to the personal baggage kept in your car.

24X7 spot assistance

With our round the clock, Pan-India assistance, you’ll never feel helpless or abandoned on the road again. Whether it’s a tyre that needs changing, an accident that calls for legal advice, or the engine that needs a jump start, you can count on us for spot assistance 24 x 7.

All you need to know about your car insurance policy.

Important points to note before buying Car Insurance

  • Inclusions
  • Exclusions

Loss due to natural calamities

We may not have the power to prevent them but we will cover your car against naturally occurring calamities such as fire, explosion, self-ignition or lightning, 

Read more

Loss due to natural calamities

We may not have the power to prevent them but we will cover your car against naturally occurring calamities such as fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide. 

Loss Due to Man-Made Calamities

Man-made calamities reveal the dark side of humanity but we will help lessen the blow by covering your car against burglary, theft, riot, strike, malicious act, 

Read more

Loss Due to Man-Made Calamities

Man-made calamities reveal the dark side of humanity but we will help lessen the blow by covering your car against burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity and any damage during transit by road, rail, inland waterway, lift, elevator or air.

Personal Accident Cover

Your car is precious, yes, but so are you. The Personal Accident cover provides coverage of Rs 15 lakh to the owner-driver of the car while driving or travelling and while mounting or dismounting.

Read more

Personal Accident Cover

Your car is precious, yes, but so are you. The Personal Accident cover provides coverage of Rs 15 lakh to the owner-driver of the car while driving or travelling and while mounting or dismounting. Optional personal accident cover for passengers and paid driver is also available.

Third Party Legal Liability

If you happen to be involved in an accident that results in damage to property or loss of life of a third party individual, we help you cover the legal obligations arising from it.

1 of 1

Depreciation

Normal wear and tear and general ageing of the vehicle and consumables like tyres and tubes is not covered. Neither is depreciation or any consequential loss. 

Influence of Substances

We promote safe driving and hence, any damage caused to the vehicle by a person driving it under the influence of substances like liquor or drugs is not covered.

 

Invalid license

Since getting your wheels on the road without a valid license is illegal, we too do not cover damages caused by a person driving the vehicle without a valid license. 

War, Mutiny or Nuclear Risk

Just like in a zombie apocalypse, the situation during war, mutiny and nuclear risk, is chaotic and uncontrollable and any damage to your car during such events is not covered. 

1 of 1

Comprehensive car insurance plans to suit all your needs.

TYPES OF CAR INSURANCE COVERS

Best Car Insurance Plans

  • Basic
  • Standard
  • Comprehensive
  • Premium Cost
  • Coverage
  • Own Damage Premium
  • Basic Third Party Liability
  • Personal Accident Cove (Owner/Driver)
  • Electrical and/or Non-Electrical Accessories Cover
  • Personal Accident Cove (Co-Passenger and/or Driver)
  • CNG Kit Coverage
  • NCB Discount
  • Voluntary Deductible
  • (Save Premium)
  • Depreciation Shield
  • Engine Protector
  • Low
  • Low
  • Low
  • Optional
  • Optional
  • Optional
  • Optional
  • Average
  • Average
  • Average
  • Optional
  • Optional
  • Optional
  • Optional
  • Enhanced
  • Enhanced
  • Enhanced
  • Optional
  • Optional
  • Optional
  • Optional

Download Car Insurance Documents

Your previous policy has not yet expired ?

Set Renewal Reminder

Set Renewal Reminder

Please enter name
+91
Please enter valid mobile number
Please select date

Thank you for your interest. We will send you a reminder when your policy is due for renewal.

Customer Stories

Ajay Talekar
Ajay Talekar Mumbai

Very good portal with all information on few clicks are available.

Nilesh Kunte
Nilesh Kunte

Nice easy to understand Website. Website works properly with no hiccups and transactions processes while buying Motor vehicle insurance.

Bhushan Kawatkar
Bhushan Kawatkar

I have got a fantastic deal and guidance from Bajaj Allianz and purchased car policy online. thank you

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

Request Call Back

Please enter name
+91
Please enter valid mobile number
Please select valid option
Please select the checkbox

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.

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.

Please enter valid quote reference ID

  • Select
    Please select
  • Please write your comment

Getting In Touch With Us Is Easy

  • Customer Login

    Go
  • Partner Login

    Go
  • Employee Login

    Go