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Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Compare Car Insurance OnlinePremium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs 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 car 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
Inclusions
What’s covered?Loss or damage
Loss or damage to your car and two-wheeler against natural calamities. Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
man-made calamities
Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
Personal Accident Cover
Coverage of Rs. 1 lakh for the individual owner/driver of the vehicle while driving or travelling and mounting or dismounting from the two-wheeler. Optional personal accident covers for co-passengers available.
Third Party Legal Liability
Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.
Exclusions
What’s not covered?Normal wear and tear
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.
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 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
Pay As You Consume
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
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 car back in case of theft or total loss
Car insurance comparison is something which should precede your car insurance purchase. As a car insurance shopper, it can be overwhelming to find the best motor insurance quote. However, not doing a thorough comparison of your motor insurance can cost you a lot of money and/or leaves you with inadequate coverage. When you compare car insurance you not only need to look at the different coverage options and the insurance rates, but also check the fine print and exemptions very carefully. In this article, we provide a point-by-point breakdown that will help you compare car insurance policy that best fits your needs
Car insurance comparison can easily be done online. Comparison of car insurance online is easy and helps you get a policy offering the lowest premiums. But when you want to figure out the best coverage, it is important to choose an insurance provider that provides the most bang for buck.
Run a Search on Comparison Websites While you can always approach insurance agents for the car insurance quotes, car insurance comparison sites have just made your job much easier and less time consuming. These sites take your details, run them through the websites of insurance providers, and provide a series of quotes in price order. You can also complete the online quote forms on individual websites. This will provide you a comprehensive list of quotes to choose from
Car insurance comparison should be done in a prudent way. The first thing that you would look at while comparing insurance is the final premium that you would need to pay. However, the cheapest car insurance may actually end up providing you the least amount of coverage after an accident. This is why instead of the cheapest policy you need to find a policy that you can comfortably afford and which provides the coverage that you need.
While doing car insurance comparison, take care of the coverage options. The car insurance should protect against loss or damage to the car against natural calamities such as fire, storm, flood, etc. It protects against man-made calamities such as theft, riot or damage in transit. The car insurance also protects against third party liability. Apart from this, check the availability of optional coverage's such as roadside assistance, NCB discounts and PA cover for passengers and drivers. Before choosing a policy, understand your financial risk tolerance, your budget and driving habits. This way you will choose a policy and add-on covers that suit your needs.
Car insurance comparison also refers to prudent comparison of premiums and deductibles. Before you can purchase the car insurance premium, you need to take a decision on the amount of deductibles. A car insurance deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. So if you have to pay Rs. 20000 for your repairs after accident and your chosen deductible is Rs. 5000, then the insurance will pay Rs. 15000 for the repairs. Increasing the amount of deductible cuts back on your premium.
Once you have matched the coverage and the deductibles, look for discounts while purchasing car insurance. For example, No Claim Bonus rewards a good driver and reduces the insurance premium.
Car insurance comparison is successful when you compare across credible companies. You may get a policy which gives total coverage at the least price. Sound too good to be true? Watch out for shady, unreliable companies. Opt for a good, reputed insurance company with a good claims settlement ratio. Also factor in customer service and seek out customer reviews of the company.
The easiest and most efficient way to compare car insurance online is through various comparison tools available on the internet. These platforms provide a seamless experience by comparing multiple insurance policies in just a few clicks. Here’s why it’s essential to compare car insurance online:
Instead of visiting multiple insurance companies or contacting numerous agents, you can view a variety of options in one place. This saves valuable time and energy that would otherwise be spent on tedious tasks.
Online comparison platforms offer a plethora of car insurance options, including various coverage types and additional benefits. This broad access helps you find a policy that suits your specific needs.
When you compare car insurance online, you can clearly see the premium rates for different plans. This transparency helps you understand the cost of each coverage option, allowing you to make a well-informed decision.
Most online platforms ask for details like your car model, age, and driving habits. Based on this information, they suggest policies tailored to your specific requirements, ensuring you don’t end up with a one-size-fits-all policy.
With Bajaj Allianz General Insurance Company, you get a user-friendly interface and a range of products designed to meet diverse customer needs.
To make an informed decision, it's crucial to understand the factors that should be considered while comparing car insurance policies:
Different policies offer different levels of coverage. While third-party liability insurance covers damages to a third party, a comprehensive policy also includes damages to your own vehicle. Choose the coverage based on your requirements and the level of risk you are comfortable with.
Premium is the amount you pay periodically to keep the policy active. While comparing, make sure you are not just looking for the lowest premium. A low premium might mean lower coverage, which may not be beneficial in the long run.
This is the amount you agree to pay out-of-pocket before the insurance company steps in to cover the rest. A higher deductible can lower your premium but increases your financial burden during claims.
If you have a history of no claims, you’re eligible for a No Claim Bonus, which reduces your premium. While comparing policies, check how much NCB each insurer offers.
Add-ons like zero depreciation cover, engine protection, and roadside assistance can enhance your policy. When comparing, see which insurer provides the best add-ons that align with your needs.
By keeping these factors in mind, you can ensure that you choose a policy that provides adequate protection without burning a hole in your pocket.
Compare Insurance Plans Made for You
Feature |
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 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 |
Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 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 |
Add-on: No Claim Bonus | No | No | No | Yes |
Add-on: Zero Depreciation Cover | No | No | No | Yes |
Add-on: Lock & Key Replacement | No | No | No | Yes |
Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
Add-on: Consumables Cover | No | No | No | Yes |
Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Get instant access to your policy details with a single click.
When you compare car insurance, it's essential to understand the types of policies available:
This is the most basic type of car insurance and is mandatory in India. It covers damages caused to a third party in an accident. However, it doesn't cover the policyholder's own damages.
This is a more extensive policy that covers both third-party liabilities and damages to your own vehicle. It also covers losses due to theft, fire, and natural calamities.
This covers medical expenses for injuries sustained by the driver during an accident, regardless of who was at fault.
This covers damages if you’re hit by a driver who doesn’t have insurance. It ensures that you don’t have to bear the financial burden of another person’s negligence.
This policy covers damages to your car due to collisions, irrespective of who is at fault. It’s particularly useful for newer cars or expensive vehicles.
Understanding these types can help you determine which policy fits your needs and budget the best.
Comparing car insurance online has numerous advantages that extend beyond just finding the cheapest policy:
You can compare multiple policies from the comfort of your home without visiting insurance offices or speaking to multiple agents.
Online platforms provide real-time updates on premium rates, discounts, and add-ons, ensuring that you have the latest information before making a decision.
Many online platforms offer exclusive discounts and deals that may not be available offline. This can help you save significantly on premiums.
With access to detailed information about various policies, you can make a well-informed choice based on your specific requirements and budget.
Online comparison tools provide instant quotes, making it easier to see which policy suits you the best.
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Step-by-Step Guide
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 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
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
Toll Free : For Sales :1800-209-0144
2
Email ID: bagichelp@bajajallianz.co.in
Here’s a step-by-step guide to effectively compare car insurance online:
Start by visiting reliable car insurance comparison websites. Enter the necessary details like car model, age, and location to get personalised quotes.
Look beyond the premium rates. Check what each policy covers and excludes. This ensures that you don’t face any surprises during claim settlement.
Evaluate the add-ons available and their costs. Add-ons like zero depreciation or engine protection can provide additional security.
Choose a policy that balances affordable premiums with reasonable deductibles.
Look for discounts like NCB or those offered to specific professions. This can help reduce your overall premium.
By following these steps, you can ensure that you choose a policy that provides comprehensive coverage at an affordable price.
Diverse more policies for different needs
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24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
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Home Insurance Cover
Prompt Assistance
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.
Vikram Singh
Delhi
21st May 2021
Claim Support
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.
Deepak Bhanushali
Mumbai
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!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
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.
Pramod Chand Lakra
Jaipur
27th Jul 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.
Siba Prasad Mohanty
Pune
26th Jul 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.
Rahul
Lucknow
26th Jul 2020
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