Suggested
Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your carPremium
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?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car 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 7.5 lacs)
If an accident is caused by your car 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 car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car 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 car, 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 car, 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 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
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.
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
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
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
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
Phone +91 020 66026666
2
Fax +91 020 66026667
Diverse more policies for different needs
Critical Illness Insurance
Health Claim by Direct Click
Personal Accident policy
Global Personal Guard Policy
Claim Motor On The Spot
Two-Wheeler Long Term Policy
24x7 Roadside/Spot assistance
Caringly Yours (Motor Insurance)
Travel Insurance Claim
Cashless Claim
24x7 Missed Facility
Filing a Travel Insurance Claim
My Home–All Risk Policy
Home Insurance Claim process
Home Insurance Simplified
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
Download Caringly your's app!
Driving gives a feeling of liberation. At the same time, it is a big responsibility as you are in control of the vehicle that may cause harm or damage to others or their property. Besides, it is prudent to be aware of the other vehicles around them. Moreover, it is important to drive safely and responsibly.
In India, third-party insurance is a legal mandate. Adversity doesn’t come with prior notice. If you are a vehicle owner ensure to opt for a suitable comprehensive insurance policy. Let us delve into understanding comprehensive motor vehicle insurance.
In case of an accident having the insurance policy provides financial assistance to the insured in case of accidental damage to the vehicle. A cover will also be provided to the third party for any property damage or any bodily injury.
Having comprehensive motor insurance in place gives the assurance of security for not only the own vehicle damage but the liability of a third party involved in a mishap. The insurer can easily settle the claim in the case of demise as compensation. In case of death because of an accident, the nominee is going to be indemnified by Motor Accidents Case Tribunal (MACT).
In India, third-party insurance is a mandate but having full comprehensive insurance is not. It depends upon the vehicle owner to opt for a plan as per the requirement. Ideally, it is recommended to choose suitable insurance coverage and safeguard yourself financially.
While driving on roads, there are chances that the vehicle may meet with an accident. At times, the extent of damage could be massive. The repairing costs for the incurred damages sometimes might not be that pocket friendly and may take a toll on the finances. Henceforth, going ahead with comprehensive motor insurance should not be neglected
Here's a rundown of the comprehensive coverage:
It is important to note that comprehensive vehicle insurance also covers third-party liability as well. Having a third party cover offers protection against the damages incurred to the third party or their property
In case any damage or loss is incurred due to natural calamity a cover for the same is provided. The calamities generally include storms, floods, etc. The cover may vary from insurer to insurer
In case of a permanent disability or demise of the person the vehicle owner or the driver provides compensation to the third party
One may also enhance the security of the existing motor insurance policy by simply including add-ons to the base policy. You may think of including add-on benefits like a consumables cover , zero depreciation cover, etc.
Regardless of the vehicle you own, it is better to choose a comprehensive motor insurance policy. Being adequately covered lets you remain in peace and not worry about financial obligations.
*This is not an exhaustive list. Please refer to the motor insurance policy wording carefully. Standard T&C apply
To keep any financial liabilities away, it is recommended to opt for comprehensive coverage in insurance. Take a look below to understand the advantages of the same:
Having the comprehensive cover implies that the vehicle remains covered throughout for its own damage that may arise due to an untoward incident. For instance, if in a situation, where you happen to bang the car with a tree, the vehicle will need repair for the damage incurred. Having a comprehensive cover will never leave you financially stranded at any point in time.
You can easily avail of comprehensive coverage in insurance online. Buying motor insurance from Bajaj Allianz GIC is simple and quick. Choose a plan that fulfills your requirements. Once the purchase is done, the policy-related documents will be shared with you via mail.
The network garages are the service stations wherein you can avail of the service and no money needs to be paid for the vehicle. The repair costs will be settled by the insurance company directly. We have a strong network garage of 6500+ PAN India.
We have the best claim settlement ratio in the industry which is 98%*. At the same time, we also offer 24x7 roadside assistance. You may also benefit from our Motor On-the-Spot service which simplifies the process of filing and settling car insurance claims. Any two-wheeler insurance claims under Rs 20,000 and for cars up to Rs 30,000 gets settled within 20 mins* via our Caringly Yours mobile app.
Now, let us also know what remains excluded under comprehensive coverage:
In case the damage is incurred to the vehicle because of normal wear and tear or due to aging leading to consequential loss remains uncovered.
If a mishap has incurred and it is found that the driver was under the influence of alcohol or any other substance no claim will be provided. Driving is a social responsibility and safe driving is imperative.
If you are found driving without a valid driving license in India, comprehensive vehicle insurance will get nullified.
If damage or loss is incurred to the vehicle insured due to war-like situations like nuclear attacks, mutiny, and so forth that is uncontrollable.
*This is not an exhaustive list. Please refer to the motor insurance policy wording carefully. Standard T&C apply
The table below shows the difference between comprehensive coverage and third-party policy:
Parameters | Comprehensive Insurance | Third-Party Insurance |
Coverage | It provides coverage to the vehicle insured and third party liability for any bodily injury or property damage | A cover is offered against any liability arising due to third-party property damage or bodily injury only |
Premium | The premium here varies from insurer to insurer. Various factors affect the motor insurance premium such as the make and model of the vehicle, aging, geographical location, add-ons, etc. | The third-party insurance premium is fixed by the IRDAI |
CNG Kit Cover | It can be availed as an add on | It remains unavailable |
Depreciation Protection, and Engine Protection | Both of these are included comprehensive auto coverage | This remains excluded |
*This may vary from insurer to insurer. Standard T&C apply