Suggested
Motor Insurance
Where sustainability meets seamless service
Coverage Highlights
Get comprehensive coverage for your carValue for Money
Affordable coverage without sacrificing safety
No Compulsory Deductible
Zero out-of-pocket costs for refurbished parts
One Year Repair Protection
Assurance for repairs carried out for one year
Preferred Workshops
Repairs with no depreciation costs at preferred workshops
Green Certificate
Green certificate for choosing eco-friendly repairs
Convenient Pick-Up & Drop-Off
We’ll pick up and return your vehicle within 100 km of the city center
Reliable Repair Protection
If refurbished parts fail within specific months or specfic km, we’ll fix or replace them at no extra cost (excludes OEM/OES parts)
Maximum Coverage
Liability is capped at the Insured Declared Value (IDV) in your Base Policy
Inclusions
What’s covered?Eco Repairs
Any Partial Loss to your vehicle will be repaired with high-quality refurbished parts, without any depreciation costs, as long as you use our Preferred Workshop
24/7 Spot Assistance
Immediate help available anytime, anywhere. Includes benefits like roadside assistance, vehicle towing, recalibration of digital systems, and smart repairs
Engine and Gearbox Protection
Coverage for engine and gearbox repairs in case of accidental damage
Special Care for Electric and Hybrid Vehicles
Tailored protection for electric and hybrid cars
Consumable Coverages
Covers consumable items such as engine oil, up to INR 50,000
Rodent Bite Repair
Covers repairs for damage caused by rodent bites
Defence Cost Coverage
Legal defense costs covered up to INR 50,000
Fuel Adulteration Damage
Coverage if your car accident results in death or disability of car owner
Exclusions
What’s not covered?Base Policy Exclusions
Any exclusions from the base policy unless specifically included in this add-on cover
Third-Party Damage
Third-party injuries, or property damage
Non-Covered Parts
No repair or replacement for parts not covered under this add-on or the base policy
Inconsequential Issues
Minor issues like noises, vibrations, oil seepage, or sensations that don't affect the vehicle's performance
Repairs outside preferred workshop
Repairs not carried out at preferred workshop
New OEM Parts
Use of New OEM Parts for repairs shall attract deductible
Note
Please read policy wording for detailed exclusions
Get instant access to your policy details with a single click.
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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
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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!
The Eco Assure Add-On is a unique feature offered by Bajaj Allianz Motor Insurance that focuses on promoting environmentally friendly practices. This add-on is designed to encourage policyholders to adopt greener habits and reduce their carbon footprint. By opting for the Eco Assure Add-On, you not only protect your vehicle but also contribute to a healthier planet.
Benefit | Description |
Carbon Footprint Offset | The add-on helps offset the carbon emissions produced by your vehicle by investing in various environmental projects. |
Green Repairs | Encourages the use of eco-friendly methods by using refurbished parts for repairs, reducing environmental impact. |
Special Care for Electric/Hybrid Vehicles | Offers special care for policyholders who own or switch to electric vehicles. |
Green Environment certificate | Get a Green Environment certificate on choosing eco-friendly repair. |
- Environmental Responsibility: By opting for the Eco Assure Add-On, you are taking a step towards reducing your carbon footprint and promoting sustainable practices.
- Cost Savings: With eco-assure you save more when you opt for refurbished parts during repairs in place of new parts as per availability
- Convenience: With paperless documentation and eco-friendly repair options, the Eco Assure Add-On makes the entire process more convenient and efficient.
- Peace of Mind: Knowing that you are contributing to environmental conservation efforts can provide a sense of satisfaction and peace of mind.
Repair Options | Refurbished Part Availability | Repairs Carried out | Using New Parts What you pay |
Using Refurbished Part | Yes | No | - |
Refurbished Part(s) not available for repairs | No | Yes | - |
You wish to repair using New Parts | Yes | Yes | Difference of charges between both parts |
The carbon footprint is calculated based on the vehicle's usage, including factors such as mileage, fuel type, and driving habits.
Yes, you can opt for the Eco Assure Add-On at any time during your policy period. However, it is recommended to add it at the time of policy renewal for maximum benefits.
The Eco Assure Add-On may come with a nominal additional premium, but the benefits and cost savings it offers can outweigh the extra cost.
By choosing the Eco Assure Add-On from Bajaj Allianz Motor Insurance, you are not only protecting your vehicle but also making a positive impact on the environment. This add-on encourages sustainable practices, offers cost savings, and provides peace of mind, making it a valuable addition to your motor insurance policy. Embrace the change and drive towards a greener future with the Eco Assure Add-On.
Sr.No. | Name of the Product | BAP UIN |
1 | Private Car Package Policy | IRDAN113RP0025V01200102 |
2 | Private Car Policy - Bundled | IRDAN113RP0007V01201819 |
3 | Standalone Own Damage Cover for Private Car | IRDAN113RP0001V01201920 |
4 | Private Car Package Policy – 3 Years | IRDAN113RPMT0001V01202425 |
5 | Two Wheeler Package Policy | IRDAN113RP0026V01200102 |
6 | Long Term Two Wheeler Package Policy | IRDAN113RP0008V01201617 |
7 | Two Wheeler Policy – Bundled | IRDAN113RP0008V01201819 |
8 | Standalone Own Damage Cover for Two Wheeler | IRDAN113RP0002V01201920 |
9 | Two Wheeler Package Policy – 5 Years | IRDAN113RPMT0018V01202425 |
10 | Commercial Vehicle Package Policy | IRDAN113RP0027V01200102 |
11 | Motor Trade Internal Risk | IRDAN113RP0039V01200102 |
12 | Motor Trade Package Policy | IRDAN113RP0038V01200102 |
List of products specified in the list above are governed by the Indian Motor Tariff.
The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of the Policy. The IDV shall change according to the depreciation grid below for each block of one year within the policy period.
AGE OF VEHICLE | % OF DEPRECIATION FOR FIXING IDV |
Not exceeding 6 months | 5% |
Exceeding 6 months but not exceeding 1 year | 15% |
Exceeding 1 year but not exceeding 2 years | 20% |
Exceeding 2 years but not exceeding 3 years | 30% |
Exceeding 3 years but not exceeding 4 years | 40% |
Exceeding 4 years but not exceeding 5 years | 50% |
The IDV arrived as per the above method may be further adjusted basis various factors such as location, make and model etc, with agreement of the Insured and as captured in the Policy Schedule.
The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.
IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined on the basis of mutual agreement between the Insurer and the Insured.
IDV shall be treated as the Market Value throughout the Policy Period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.
The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, exceeds 75% of the IDV of the vehicle, subject to terms and conditions of the policy.
The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle in the event of total loss/ constructive total loss/cash loss for the year in which loss has occurred. IDV as on date of loss shall be computed as specified under basis of arriving at Insured Declared Value (IDV)
If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a ‘total loss’ or ‘write-off’, You shall have the option to retain the wreck and accept a ‘cash loss’ settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by the Insurer including any submitted by or through the Policyholder).
Note: For the purpose of computation TL (Total Loss)/CTL (Constructive Total Loss) of the Insured Vehicle aggregate cost of retrieval shall mean Company’s aggregate liability as per the terms and conditions of the policy.