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Motor Insurance

Car Insurance Claim Process For Motor OTS Feature

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Premium Starts At ₹2,094*

Car Insurance Protection That Moves With You

Coverage Highlights

Get comprehensive coverage for your Car
  • Comprehensive Protection

Your car is more than just transport—it’s part of your daily life. Our comprehensive motor insurance covers accidents, theft, natural disasters, and third-party liabilities, keeping you protected on every journey.

  • Drive Legal, Stay Safe

Avoid fines and legal issues—Third-Party Insurance is mandatory under the Motor Vehicles Act, covering damages to others on the road. Premiums start from ₹2,094.*

  • Add-On Covers

Boost your policy with add-ons like zero depreciation, roadside assistance, engine protection, and consumables cover for extra security and lower expenses.

  • Instant Claim Settlement

Register and settle car insurance claims in minutes via our Caringly Yours app—straight from the accident spot.

  • Cashless Garages

Access 7,200+ network garages for smooth repairs.

  • 24x7 Spot Assistance

Round-the-clock support to keep you moving—help is just a call away.

Inclusions

What’s covered?
  • Third-Party Liability – Bodily Injury & Death (Unlimited Cover)

If your car causes an accident leading to injury or death, we cover the exact compensation as determined by the court.

  • Third-Party Liability – Property Damage (Up to ₹ 7.5 Lakh)

Covers damages to third-party property caused by your car, up to the sum insured limit.

  • Own Damage Cover

Protects your car against accidental damage, fire, theft, and natural disasters like floods or earthquakes, ensuring financial relief for repairs or replacement.

  • Natural & Man-Made Disasters

Covers damages caused by floods, cyclones, earthquakes, riots, or vandalism.

  • Theft Protection

Compensates for vehicle loss due to theft, based on the insured declared value (IDV).

  • In Transit Damage Cover

Pays for repairs if your car is damaged during transportation.

  • Personal Accident Cover

Provides financial security in case of death or disability due to a car accident. Sum insured starts from ₹ 15 lakh.

  • Add-On Covers

Enhance your policy with add-ons like zero depreciation, roadside assistance, and engine protection for extra peace of mind.

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

  • 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 car 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

  • Use of Private Vehicles for Commercial Purposes

If a private vehicle is used for business or commercial activities and gets damaged, the claim may 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

  • 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

  • Key Replacement Cover

Covers the cost of replacing lost or stolen car keys, including lock replacement if required

Introduction to Car Insurance OTS Feature

In this fast moving world, we care for your well-being and value your precious time. To ensure a smooth car insurance claim settlement service for you, we have designed Motor OTS (Motor On-The-Spot) feature, which is available in our Insurance Wallet App.

Motor OTS for car is a mobile based motor insurance claim settlement service, which allows you to settle your car insurance claims up to INR 30,000 in 20 minutes*. All you need to do is use the app to file claims, click and upload pictures of the damage done to your vehicle and receive the claim amount in your bank account instantly.

Register Claim

Dial our Toll Free Number

1800-209-5858

Email us on

bagichelp@bajajallianz.co.in

Benefits of Using Car OTS Feature

- Settlement of claim up to INR 30,000 within 20 minutes* easily, quickly and conveniently

- Hassel free settlement of claims before repair of your vehicle just by using your mobile phone

- Paperless car insurance claim process without submission of repair bills

- Receive claim amount directly in your bank account

- Online documents submission process

- Customer empowerment through digitization

- Access this feature from anywhere in India

Car Insurance OTS Feature Claim Settlement Process

Step 1: Register on Insurance Wallet App

- Download our Insurance Wallet App on your android and iOS device.

- Register or login to access the Motor OTS feature of App to experience smooth car insurance claim process.

Step 2: File Car Insurance Claim

- Enter your policy details and the details about the accident (like location, date and time) in the Insurance Wallet App.

- Save these details and click on Register button to file your claim and start your car insurance claim process.

- You will receive an SMS on your registered mobile informing you about the claim registration number once you initiate the car insurance claim procedure.

Step 3: Self-Inspect and Upload Pictures

- Proceed to fill in the digital claim form and submityour NEFT details.

- Upload the photographs of the damaged parts by clicking pictures from your mobile, clicked from different angles, as per the instructions given in the app.

- In the next step, upload your RC (Registration Certificate) and driving license.

- After scrutinizing the details and documents submitted by you, as a part of car insurance claim process, you will receive an SMS on your mobile, intimating you about the claim amount proposed by the insurance company.

Step 4: Receive the Claim Amount Instantly

- Use the link provided in the SMS to agree/disagree with the claim amount proposed by the insurance company.

- If you are satisfied with the claim amount, click on agree button to receive the claim amount in your bank account.

- If you are not satisfied with the claim amount proposed by the insurance company, click on the disagree button to receive a call back from our claim settlement team.

You can also track the status of your car insurance
claim procedure using the unique features of Insurance Wallet App.

Difference Between Motor OTS vs. Regular Car Claim Settlement

Motor OTS Claim Settlement

Regular Car Insurance Claim Settlement

Claim settlement within 20 minutes* after completion of all process

Claim settlement depends upon the number of days taken for vehicle repairs and bill submission

Receive the claim amount (up to INR 30,000) without submitting repair bills and before getting your vehicle repaired

Claim amount is disbursed after submitting the repair bills and after repairing the vehicle

Self-inspect your vehicle by clicking pictures of your vehicle and the damaged parts by using Insurance wallet application

Surveyor is appointed for vehicle inspection after submitting all the claim documents and estimate preparation

Instant claim documents submission from mobile phone by using the Insurance wallet application

Need to submit all claim documents at workshop or our branch office or using our website

Document submission process is digital, time saving and paperless

Manual Document submission process, need to fill all documents manually and submit the hard copies of documents

Easy and instant claim registration process using your mobile phone any time any where

Need to register the claim by calling on call Centre or from website

Get instant assistance from our claims team

Need to wait till surveyor inspects the vehicle

Step-by-Step Guide

Step-by-Step Guide for Car Insurance:

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 motor details

  • 3

    You will be redirected to the motor Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose Insured Declared Value (IDV) that reflects your motor 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

    Caringly Yours

Contact Us

  • 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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Hear from Our Customers

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. 

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Vikram Singh

Delhi

4.6

5th 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.

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Deepak Bhanushali

Mumbai

4.5

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!

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Naveen Tyagi

Delhi

5

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. 

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Pramod Chand Lakra

Jaipur

5

27th Jul 2020

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