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Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your bikeCashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your bike due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 1 lac 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 bike 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
Note
Two-Wheeler TP Insurance Premiums starting at INR 538
Inclusions
What’s covered?Damages Suffered Due To Natural Calamities
Get coverage for your bike against losses and damages due to natural calamities such as fire, earthquake, flood, lightning, storm, landslide, frost, hailstorm and rockslide.
Damages Caused Due To Unfortunate and Unforeseen Events
Our motor insurance policy offers coverage for losses suffered due to theft, social unrest, terrorist activities or other occurrences.
Third Party Liability
Our policy protects you against third party liability due to accidental damages causing injury or death to a third party. Not only this, you are also covered against damages caused to third party property.
Exclusions
What’s not covered?Normal wear and tear and depreciation.
Electrical/mechanical breakdown.
Damages suffered in case the vehicle is used for any other purpose than intended.
Losses suffered in case you are driving under the influence of alcohol, drugs, liquor or any other
Damages caused due to nuclear risk, mutiny, or war.
Wear and tear of consumables like tubes or tyres unless the vehicle is damaged simultaneously.
In such a scenario, we will compensate 50% of the replacement cost.
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 bike 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
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 bike 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 bike. It is mandatory by law. | Covers expenses arising out of damage to your bike. | 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 | 1/2/3 years | 1 Year | 1/2/3/5 years | 1/2/3/5 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 |
No Claim Bonus | No | Yes | Yes | Yes |
Add-on: Zero Depreciation Cover | No | Yes | No | Yes |
Add-on: Lock & Key Replacement | No | Yes | No | Yes |
Add-on: 24x7 Roadside Assistance | No | Yes | No | Yes |
Add-on: Consumables Cover | No | Yes | No | Yes |
Explore more add-ons | No | 25+ Add On's | 25+ Add On's | 25+ Add On's |
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 bike details
3
You will be redirected to the bike Insurance Page.
4
Ensure to check your No Claim Discount
5
Choose right Insured Declared Value(IDV) that reflects your bike 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
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Special thanks to Bajaj Allianz for hassle free experience and answering all my queries. Good work
Savita Bhutoria
10th Jan 2021
Good thing about insurance online process is that you get updates on mobile and mail both.
Venu Madhavi
15th Dec 2024
Speedy and easy way to renew two wheeler insurance online. Thank you for providing zero entries before renewing it
N Subramanian
5th Feb 2020
Download Caringly your's app!
A year can go by really fast. Before you know it, it’s time to renew your Two Wheeler Insurance policy. Switch to Bajaj Allianz’s Long Term Two Wheeler Insurance Policy for a comprehensive 2 wheeler insurance cover.
Our Long Term Two Wheeler Insurance Policy gives you 2 wheeler insurance coverage up to 3 years. That’s 3 years of continued protection for your two-wheeler. So you see, good things do last long!
Whether it’s a minor scratch or total loss, our Long Term Insurance Policy covers you for any claim arising from third party liability and cost of damage, whether due to natural calamities or accidents.
With Bajaj Allianz Long Term Two Wheeler Insurance policy, you can satisfy your ‘need for speed’ without worry!
Yes, that’s what you get with our Long Term Motor Insurance Policy. Packed with a range of features, our Long Term Two Wheeler Insurance offers you:
Have any question regarding claim settlement and even otherwise? We’re just a phone call away 24X7, 365 days a year, even on holidays.
A beneficial feature of our two wheeler insurance policy, NCB rewards you for your responsible driving behaviour by lowering the premium you pay on renewing your policy. We allow 50% transfer of your NCB from another insurer when you opt for a Bajaj Allianz two wheeler insurance policy.
When you renew your policy with us online, we don’t inspect your bike. That’s our way of saying we trust you!
Our Long Term Two Wheeler Insurance Policy means that you don’t need to worry about renewing your policy annually. One less thing to remember!
Our policy helps you save money which would be otherwise lost every year due increased third party premium rates and service taxes. Over a period of three years, you can save a substantial amount and invest it instead!
We don’t let your responsible behaviour on the road go unnoticed or unrewarded.In an event of any claim made during the policy period, the NCB earned reduces but it doesn’t become zero unlike an annual term two wheeler policy.
First and foremost, you need to register your claim with us. You can do it:
✓ Online
Click here to register your claim online.
✓ Over the phone
Dial our Toll-free number 1800-209-5858, following which our customer care executive will get in touch with you and guide you through the claim settlement process. Keep these with you for ready reference:
1. Engine and Chassis number.
2. Vehicle registration number.
3. Date and time of the accident.
4. Description and location of the accident.
5. Address for inspection of the affected two wheeler.
6. Kilometre reading.
7. Police complaint document, in case of theft.
1. Book your vehicle for repair
In case of an accident, act of vandalism or damage due to any other cause, you need to take your two-wheeler to the garage for repair if it’s in a movable condition. If not, you can get it towed.
2. The last step
The final step of claim settlement involves submission of the required documents and getting them verified with the original ones. The surveyor will inform you if you need to pay any part of the claim amount, as per the policy terms & conditions.
Now you can get your Two wheeler claims settled in an instant! With the Motor On the Spot (Motor OTS) facility, get your claims settled on the go, for your damages up to INR 10,000/- just within 20 minutes* 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 two wheeler and upload the same on the mobile app
✓ Your approved claim amount will be credited to your bank account directly
The add-on covers with our Bike Insurance Policy offer an extra layer of protection for your bike and some added peace of mind for you.
Our 24X7 spot assistance add on cover ensures that you have a pleasant journey on the bumpiest of roads. If you do need assistance with a flat tyre, flat battery, fuel, legal advice or towing facility, all you need to do is reach out to our team at 1800 209 5858 to receive instant support. Leave your worries to us and don’t let potholes stop you from enjoying the ride!
From the moment you zoom out of the show room with your two-wheeler, its price starts to depreciate. In the event of a claim, the amount paid will include the depreciating value of your insured vehicle. Our zero depreciation covers you against the depreciation value of your two wheeler. With this add-on, you can minimise out of pocket expenses during a claim and add more protection to your existing cover. For example, if you do not opt for this cover and your bike tyres are damaged in an accident, you will only get 50% of the cost.
WITH REGULAR TWO WHEELER INSURANCE
When it comes to Long Term Two Wheeler Insurance, you have two options – Two year and Three year policy. As the name suggests, a Long Term Two Wheeler Insurance policy gives you and your bike a 360-degree cover against losses suffered due to damage or theft of the insured vehicle for 2 or 3 years as per the cover opted. And this is over & above the coverage for third party liabilities.
It offers an additional benefit with NCB at the time of renewal. A hassle free process which will reduce the renewal frequency and has no effect in case of Third Party premium increase.
Features | Long-Term Two Wheeler Insurance (Two or Three years) | Two Wheeler Insurance (One year) |
Renewal frequency | Once in Two or Three years | Once every year |
Coverage period | Two or Three years | One year |
Premium hikes | No effect in the TP premium during the policy period | Increase in the TP premium every year |
NCB benefit | Additional benefit at the time of renewal | As per tariff |
NCB benefit after a claim | NCB gets reduced but does not become nil | NCB become zero after one claim |
Mid-term cancellation refund | Proportional refund provision even after a claim during the policy period for the uninitiated policy years | No refund in case of any claim |