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Private Car Insurance Policy

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What’s in it for you

Cashless claim settlement at over 4000 preferred garages

24x7 Telephonic Service and claim support

Hassle-free inspection

Private Car Insurance from Bajaj Allianz

You rely on your vehicle for complete freedom of movement. Private car insurance sustains your freedom by compensating your major claims which can otherwise be very expensive. You love taking long drives and commuting to office with the radio on. Your vehicle is one of your most important possessions. Give it the care and protection it deserves with Bajaj Allianz motor insurance.

Private car insurance or two-wheeler insurance by Bajaj Allianz provides unmatched care and protection for your motoring experience.Private car insurance is one of the things you need against expensive costs like a breakage or third party claims.Private car insurance is an important thing to consider even before buying a car.

Note: For assistance with buying private car insurance or two-wheeler insurance online,
please call us at 1800-209-0144(Toll Free).

Your private car insurance policy should contain cashless settlement in preferred workshops along with 24x7 claims support.Also look for hassle-free claim settlement experience and procedures before getting private car insurance.

Toll Free: 1800-102-5858  Chargeable: 020-30305858

Key Benefits of Motor Insurance with Us

  • Instant online policy issuance and renewal in easy steps.
  • Cashless claims at over 1500 preferred garages. 75% on account payment when cashless facility is not available.
  • To locate a Bajaj Allianz's Preferred Garage nearest to you call us at: 1800-209-0144 (Toll Free).
  • Transfer your existing No Claim Bonus from any insurance provider ranging from 20% - 50%.
  • Instant claims assistance and SMS updates on your motor claim status through our 24x7 call-centers.
  • Towing facility in an event of a breakdown/accident 24x7 service by phone or online-even on holidays.
  • Bajaj Allianz' preferred workshops give you access to hassle-free inspection, high service standards and cashless settlement of claims in event of an accident/breakdown.

All you need to know about your car insurance policy.

Important points to note before buying Car Insurance

  • Inclusions
  • Exclusions

Loss or Damage to your car and two-wheeler against Natural Calamities

Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.

Loss or Damage to your car and two-wheeler against Man-made Calamities

Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

Personal Accident Cover

Coverage of Rs.1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting or dismounting from the two wheeler. Optional personal accident covers for co-passengers available.

Third Party Legal Liability

Protection against legal liability due to accidental damages resulting in the permanent injury or death of a person, and damage caused to the surrounding property.

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Normal wear and tear and general ageing of the vehicle

Depreciation or any consequential loss

Mechanical/ electrical breakdown

Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacement

Vehicles being used otherwise than in accordance with limitations as to use

Damage to/ by a person driving any vehicles without a valid license

Damage to/ by a person driving the vehicle under the influence of drugs or liquor. Loss/ damage due to war, mutiny or nuclear risk

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Let’s begin with some Quick Facts about car insurance!

What is Car Insurance Policy?

Why do you carry a spare tire? Because you never know when you’re going to need one. Car Insurance is no different.

It helps you take care of expenses arising from unexpected events like road accidents, theft and third party liability. Disability, physical injuries, death; the consequences are scary. Also, In the event of an accident, car repairs can cost you a big chunk of money which can throw your finances into disarray.

You’d think you would probably be better off never letting your stallion out of the stable. But where’s the fun in that?

Car insurance is the knight in shining armour that covers you and your hard earned money from accident expenses and legal liabilities. Bajaj Allianz brings to you a range of customized solutions that let you indulge your ‘need for speed’ without excessive worry!

What’s more, our world class insurance products cover your vehicle against most threats- from theft to accidents – like an invincible force field.

We are all-rounders when it comes to car insurance plans. From easy vehicle insurance renewals, innovative plans, add-ons and best-in-class customer service, we leave nothing to chance when it comes to giving you the experience you deserve.

Our extensive network of garages and 24x7 Roadside Assistance facilities help you get your engines revving in no time. And yes, we believe in cashless service with a smile.

What is a third party risk policy?

A third party risk policy is a mandatory insurance policy that covers the vehicle owners against risks as per Section 146 of Motor Vehicles Act 1988. The scope of the cover of the third party insurance is to pay compensation for the damage caused to the property of the third party and death due to bodily injuries to the third parties. This does not include damage of your own vehicle.

Should I make small claims?

It is usually not advisable to make claims that are less than Rs. 2000/- since it is less than the NCB you would bear in the corresponding year which is Rs. 2251 (Rs. 11357 – Rs. 9006). What is advisable is that when your car gets damaged, get an estimate for the repairs. If the No Claim Bonus you stand to forfeit in the forthcoming year exceeds the estimate, it makes sense not to raise a claim and instead pay for the damage yourself.

How can I reduce the insurance premium for my car?

You can reduce your motor insurance premium when you maintain a claim free record as the No Claim Bonus which you accumulate and get it translated into discount on the Own Damage Premium.

Another way of reducing cost of premium is opting for voluntary excess, which means opting to bear a certain amount of loss from each claim.

What if I have to make changes / endorsement in the policy?

An endorsement is a written evidence of an agreed change to your policy. It is a document that incorporates changes in the terms of the policy. Any changes or alterations that you need to make can be done by way of an endorsement.

An endorsement may be issued at the time of issuing the policy to provide additional benefits and cover (e.g. legal liability to driver) or to impose restrictions (e.g. accidental damage deductible).

The wordings of those endorsements are provided by the insurance company. An endorsement may also be issued subsequently to record changes such as change of address, change of name, change of vehicle etc. at the time of renewal or if and when there's any changes in the address, name or vehicle. The customer needs to contact their local office for the same

Customer Stories

Ajay Talekar
Ajay Talekar Mumbai

Very good portal with all information on few clicks are available.

Nilesh Kunte
Nilesh Kunte

Nice easy to understand Website. Website works properly with no hiccups and transactions processes while buying Motor vehicle insurance.

Bhushan Kawatkar
Bhushan Kawatkar

I have got a fantastic deal and guidance from Bajaj Allianz and purchased car policy online. thank you

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will call you back shortly to assist you through the Process.

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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.

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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