What documents are required to purchase car insurance?

To purchase a car insurance policy, you typically need to provide your vehicle's registration certificate, your driving license, proof of identity and address. Some insurers may also require additional documents like a previous insurance policy if you're renewing your policy with them.

Can I add multiple drivers to my car insurance policy?

Yes, you can add multiple drivers to your car insurance policy; however, coverage for additional drivers may vary based on the insurance provider. You will need to provide the necessary details of each driver, such as their name, age, and driving history. This may affect your premium depending on the risk profile of the additional drivers.

How do I update my vehicle details on my car insurance policy?

To update your vehicle details on your car insurance policy, such as a change in registration number or modifications to the vehicle, you need to inform your insurance provider. This can usually be done online through the insurer's website or mobile app, or by contacting their customer service.

What is a car insurance policy endorsement?

An insurance policy endorsement is a modification or addition to your existing car insurance policy. It can include changes like adding a new driver, updating your address, or including additional coverage options. Endorsements ensure that your policy accurately reflects your current needs and circumstances.

What is a car policy lapse and how can I avoid it?

A policy lapse occurs when your car insurance policy expires due to non-renewal. To avoid a lapse, ensure you renew your policy before the expiration date. Most insurers send reminders via email or SMS. You can also set up automatic renewals or mark the renewal date on your calendar to stay alert.

What should I do if I lose my car insurance policy document?

In case of document loss, contact your insurance provider immediately. Most insurers offer the option to download a duplicate copy from their website or mobile app. You may also request a physical copy to be mailed to you.

Can I transfer my existing car insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damaged vehicles, theft, natural/manmade calamities etc.

Why should I buy comprehensive vehicle insurance policy?

Investing in comprehensive car insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive car insurance that can be added to give your vehicle extra protection like damages for an accident, theft, natural disasters, damage to third parties etc. as derived by the policy terms.

What is a Third-Party Liability Cover?

Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.

Differenciate Third-Party Liability and Comprehensive car Insurance?

Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms

Will my no claims bonus be transferred if I renew my car insurance?

You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.

What is premium reduction process if no claim aquired previously?

Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.

What should be my first action to initiate a claim?

Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a deductible or compulsory excess in car insurance?

It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How 'no claim bonus' is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is break-in insurance? What should I do in case of break-in?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in car insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

Can I change my car insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.

Motor Insurance

Car Insurance Claim Process For Motor OTS Feature

Get Quote

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

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.

How to Claim Motor Insurance?

Diverse more policies for different needs

Download CY App

Check Claim Status

Know all about Motor On-T

Personal Accident claim

Motor Claim Assistance

Register Claim

Dial our Toll Free Number

1800-209-5858

Email us on

bagichelp@bajajallianz.co.in

View All

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

Claim

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Health Insurance Claims

Travel Insurance Claims

Cyber Insurance Claims

Commercial and Retail Insurance Claims

Home Insurance Claims

Pet Insurance

Cattle Insurance Claims

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

Buy Now

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

Renew Now

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

Claim Now

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

Why Buy Car Insurance from Bajaj Allianz?

Buy Now

Comprehensive Coverage

Get full protection for your vehicle and peace of mind.

7200+ Cashless Garages

Repair your vehicle hassle-free at network garages.

Quick & Hassle-Free Claims

Fast claim settlements with a seamless process

Digital Policy Issuance

Get instant policy issuance with zero paperwork

Smart Reads to Understand Your Car Insurance Coverage

View All

Motor Insurance Portability: All You Need to Know

What are the benefits of this feature?
What are the eligibility criteria for vehicle insurance portability?
Key considerations when switching car insurance providers

The add-on coverages in Car Insurance: Complete Guide

Types of add-ons for your car insurance policy
How to choose add-ons?
FAQs on car insurance add-ons

Beyond liability: Exploring uncommon coverage options in Car Insurance

Understanding car insurance coverage
Comprehensive coverage: More than just accidents
Add-on covers for enhanced protection

Break-in period in Car Insurance: All you need to know

What is a break-in period in car insurance?
Myths about car insurance break-in period
How to renew car insurance during the break-in period?

Create your profile to unlock exclusive benefits.

Customised plans that grow with you
Proactive coverage for future milestones
Expert advice tailored to your profile

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Awards and Accolades

Awards

Bajaj Allianz General Insurance won IBEX award

Bajaj Allianz wins Product Innovator of the Year

Bajaj Allianz earns top honours for customer excel

Bajaj Allianz won best usage of data analytics

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.

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.

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!

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

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