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The feeling of buying a car is exhilarating. Buying a car is a big financial decision and the one buying it goes through a spectrum of emotions. If you are a car owner or going to be one, it's important to understand which type of motor insurance policy is suitable.
In India, third-party insurance is a mandate. Anyone found without it is liable to legal implications. At times, not abiding by the law may also lead to the disqualification of the driving license. Comprehensive insurance offers a cover for the repair/replacement of any incurred damages to the vehicle from an accident or a mishap. So, if you are a car owner or plan to buy one soon don’t forget to buy comprehensive car insurance.
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A comprehensive car insurance policy offers cover from any third-party liability, damage from a mishap, natural or man-made calamity, etc. Having comprehensive insurance provides extensive coverage.
✓ It gives the added advantage of third-party liability cover
✓ The policyholder can easily customize the plan as per the needs
✓ Option to choose from an array of add-on riders
Having comprehensive car insurance coverage gives all-around protection to the car and ensures protection from any unforeseen circumstances. For many of us, buying a four-wheeler is a dream and an expensive deal. We all know that adversity never comes with prior notice and the Indian roads are one of the most uncertain spots.
Right from a small dent to a minor/major accident can at times be heavy on the pocket. Henceforth, a comprehensive motor insurance policy is extremely important. To avoid any confusion, you may also compare comprehensive car insurance quotes online.
The Bajaj Allianz comprehensive car insurance policy offers the below features that make it one of a kind:
Cover for Third-Party Liability:
When the car is covered under a comprehensive plan, the policyholder can easily file for a claim in case any damage is incurred by a third person. Or the damage to the property caused by the car insured. It also offers a cover against any legal liability that may arise due to any such mishap. The Bajaj Allianz General Insurance offers an easy and hassle-free comprehensive car insurance online claim process.
Personal Accident Cover
We also offer a personal accident cover of Rs. 15 lakh*. It takes care of all the hospitalization costs that may arise due to any untoward accident. The table below shows the compensation as per the below scale for any bodily injury or demise sustained by the insured owner-driver of the vehicle
Nature of Injury |
Compensation Scale |
Loss of one limb or sight of one eye |
50% of the sum insured |
Loss of two limbs or sight of both the eyes or one limb and sight of one eye |
100% of the sum insured |
Permanent total disablement from injuries* |
100% of the sum insured |
Death |
100% of the sum insured |
Disclaimer: For more information, please read the policy wording carefully. *Standard T&C apply
Own Damage Cover
The insurer offers a cover against the loss/damage to the insured car due to fire, burglary, riot, strike, flood, typhoon, etc. The overall expenses of repairing the car can put you in financial distress, so opt for the best comprehensive car insurance policy.
Add-on Rider Options
To enhance the existing coverage offered within the base plan, you may also consider including add-ons and making the plan more enhanced. Choose the suitable car insurance add-on rider options and make the plan airtight. Be it protecting the engine of the car to helping you in case of any emergency, the add-on rider option caters to varying needs. This may vary from insurer to insurer
*Standard T&C apply
Cashless Comprehensive Insurance Claim
With the cashless claim facility, the insured need not pay anything from pocket in case of any damage. The insurance company will directly settle the bills at the network garage or workshop. The recovery process will happen exactly the way mentioned in the vehicle insurance policy.
Follow the steps below to avail the benefit of cashless car insurance claims:
✓ Inform the insurance company as soon as possible. You may also visit the insurer’s website or register the cashless claim through the mobile app
✓ On successful registration, a claim registration number will be received
✓ Take the damaged car to the nearest network garage to start the repair process. To avail of the cashless benefit, the car needs to be only moved to a network garage
✓ The required documents need to be submitted to the surveyor
✓ Once the survey is completed, the insurer confirms the liability
Reimbursement Comprehensive Insurance Claim
Under it, the insured initially will have to spend from their pocket for the incurred damages. After the verification of the documents, bills, and understanding of the coverage, the insurance company reimburses the expenses.
Listed below are the steps for a successful reimbursement of a motor insurance claim:
✓ Get in touch with the insurance company or visit the insurer’s website. You may also register the reimbursement claim through the mobile app
✓ Upon successful registration, a claim registration number will be shared
✓ Move the damaged car to the nearest garage to start the repair process. In such a case it is no mandate to take the car to a network garage
✓ The documents need to be submitted to the surveyor
✓ Once the survey is duly completed, the insurer confirms the liability and the reimbursement process begins
Car Insurance OTS Claims
OTS is the acronym for On-the-Spot feature, it permits you to make claims instantly from the spot. With the OTS feature, one claims up to Rs. 30,000* and receives the amount in 20* minutes or less.
To avail of the benefit of Motor OTS Claim:
✓ Download the Caringly Yours mobile app and sign in with all the required details
✓ Click pictures of the damaged car and upload them on the app
✓ The images are verified, once this is done, the amount will be transferred to the bank account
*Standard T&C apply
Get complete protection for your car with the Bajaj Allianz car insurance policy. A comprehensive car insurance policy offers cover not only against damages and theft. But you also get a personal accident cover, third-party liability cover, and a choice of add-on rider options.
You may look at buying comprehensive car insurance online and avail the maximum benefit of it. Here’s a quick rundown of the many benefits of the comprehensive motor insurance plan:
Highest level of protection and maximum amount of coverage for the four-wheeler.
*Standard T&C applyrefully.
A comprehensive vehicle insurance plan offers a cover to the car against naturally occurring calamities such as fire, earthquake, typhoon, flood, cyclone, etc.
The plan also offers a cover to the insured car against any man-made calamities such as riots, strikes, or any malicious act. It also includes any accident due to external means or terrorist activity.
A personal accident cover of a sum up to Rs. 15 lakh is provided to the owner-driver of the insured car. Moreover, personal accident cover for a paid driver and passengers is also accessible.
The comprehensive car insurance coverage takes care of the liabilities in case any damage is incurred to a third party. It could be damage to the third party's property or loss of life of the third party.
Any damage or loss incurred to the car while the policy is inactive or lapsed. Ensure renewal of the comprehensive motor insurance policy timely.
No claims will be entertained if the driver is found driving the insured vehicle without a valid driving license.
In case a claim is made, wherein the owner-driver is found to be drunk or under the influence of any other intoxication/substance abuse.
In simple words, don’t do things that logically you shouldn’t do. For instance, in case there are floods in the city you reside, don’t take the risk of taking the car out. Such negligence should be avoided or else the plan won't cover them. It may vary from insurer to insure.
Any damage incurred to the car during a war-like situation, nuclear risk, or mutiny also remains uncovered.
Any damage due to the normal wear and tear or general aging of the car is not covered. Or any damage that is beyond the car manufacturer’s guidelines.
Disclaimer: This is not an exhaustive list. For more information, please read the policy wording carefully.
By now, you know much about the comprehensive insurance plan. Now have you ever wondered who should buy the comprehensive car insurance policy?
Anyone who is falling into any of the below categories should make a wise decision:
Buying a car is not an easy task. It does involve a lot of planning and money. The time you buy a car, ensure to have comprehensive insurance coverage in place.
Driving in the city may sound easy but isn’t so. To drive safely and responsibly protect yourself and the car with a suitable comprehensive four-wheeler insurance policy.
In case you have recently started driving, have a comprehensive insurance policy in place. It's better to be safe than sorry and having the right insurance coverage will help you in every situation.
If you drive regularly include yourself in the circle of protection and choose the suitable vehicle insurance policy.
Often people only consider buying third-party insurance as it’s a legal mandate. However, choosing a comprehensive motor vehicle insurance policy is equally important. A third-party liability cover doesn't cover the cost of repair or replacement in case of an accident.
Listed below are some key reasons to choose the Bajaj Allianz car insurance policy:
Features |
Car Insurance Benefit |
Cashless Services |
Across 7200+ Network Garages |
Cashless Hospitalization |
Across 8600+ Network Hospitals |
No Claim Bonus Transfer |
Up to 50% |
Claim Settlement Ratio |
98%* |
Claim Process |
Digital within 20mins* |
Motor On-the-Spot (MOTS) |
Through Caringly Yours mobile app |
*Standard T&C apply
The engine is the most important and expensive part of a car. Read more
The engine is the most important and expensive part of a car. There may be chances that a standard car insurance policy may not cover damages to the engine. In case of a mishap, repairing the engine may be an expensive deal. Having the engine protector add-on is an apt solution as it covers costs that may incur due to oil leakage, water ingression, etc.
This is also known as bumper-to-bumper cover. Read more
This is also known as bumper-to-bumper cover. A zero depreciation add-on helps to nullify the depreciation that is associated with the car. It means that the car doesn’t lose the market value as the insurer does not consider the depreciation of the vehicle. This add-on cover must be included if the car is less than 5 years*.
*Standard T&C apply
This add-on enables the reduction of the costs that may incur in case the keys are lost or misplaced. Read more
This add-on enables the reduction of the costs that may incur in case the keys are lost or misplaced. The insurer takes care of the complete buying and replacing of the car’s lock and keys
This is one of the most useful add-ons to be included in the car insurance policy. Read more
This is one of the most useful add-ons to be included in the car insurance policy. Having this add-on ensures that you are never left stranded on the road. The team is a call away to assist you in any adversity related to the insured car.
Having this add-on secures the personal belongings and also offers cover Read more
Personal Baggage
Having this add-on secures the personal belongings and also offers cover for the incurred loss because of any damage or theft/burglary from the insured car.
This add-on, expenses related to the consumable involving coolant Read more
This add-on, expenses related to the consumable involving coolant, engine/braking oil, gearbox oil, etc. is taken care of during servicing or after the accident.
When the car is being repaired in a garage and once the insurer accepts the claim, Read more
When the car is being repaired in a garage and once the insurer accepts the claim, this add-on ensures that you are paid for the everyday commute.
Disclaimer: For more details, please refer to the policy wording carefully.
Both of these are entirely two different concepts. A comprehensive plan is a type of car insurance policy whereas a zero depreciation is an add-on cover. An add-on cover is included in the existing car insurance policy making it more comprehensive.
It depends on how old the car is, its usage of it, and how long one plans to use it. If the car is under 15 years old and is used regularly consider investing in a comprehensive plan. Opting for a comprehensive plan is anyway a better idea for maximum security throughout.
The day you become a car owner, you must have a car insurance policy in place. In case you only have a third-party liability cover, ensure to opt for a comprehensive cover to ensure financial safety before plying on Indian roads.
When compared to third-party insurance, comprehensive vehicle insurance tends to be more expensive. However, when compared to the benefits it offers, monetary terms remain a secondary aspect.
Yes, as per the requirements you may choose the suitable Bajaj Allianz car insurance plan online.
To ensure maximum safety, you may consider buying the car insurance plan online directly from the insurance company’s website.
To calculate the comprehensive vehicle insurance premium you may use the insurance premium calculator online.
A comprehensive policy offers multiple protection covers for the vehicle and you. On the contrary, a third-party liability cover is limited to protection against a third-party claim.
*Standard T&C apply
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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