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Bajaj Allianz Bike Insurance

342 reviews Rate This
    Network Garages4,000+
    Claim Settlement Ratio88.83% in FY20
    Emergency AssistanceAvailable 24/7
    Policies Issued2.6 crore+ in FY20
    AccreditationiAAA Rating by ICRA
    Presence1,100+ cities

    About Bajaj Allianz Bike Insurance

    Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE, with stakes in the ratio of 74% and 26% respectively. With its headquarter in Pune, the firm came into existence after Bajaj Allianz got the certificate of registration from the Insurance Regulatory and Development Authority of India (IRDAI) in 2001 to operate several businesses, including bike insurance, in India. The company holds an excellent reputation, stability, and expertise in the bike insurance sector.

    Currently, Bajaj Allianz is one of the most financially robust general insurance companies in India by registering a 28.1% increase in net profit to Rs 999 crore and revenue growth of 15.6% to Rs. 12,833 crore, over the last financial year. When it comes to the insurance industry, the company has become the top choice of customers by providing a diverse range of insurance products such as Bike Insurance, Health Insurance, Car Insurance, Travel Insurance, Home Insurance, Commercial Insurance and Cyber Safe Insurance.

    Bajaj Allianz General Insurance company is widely recognized for the cashless claim settlement facility that the insurance company offers its customers for bike insurance and other insurance sectors. Bajaj Allianz has acquired an iAAA rating ICRA (Investment Information And Credit Rating Agency) which indicated that the insurance company has attained the capability to settle the highest amount of claims for two-wheeler insurance etc. Bajaj Allianz has won several awards and accolades. Recently the insurance company was honoured with ‘Best Motor Insurance Provider Of The Year’ by Business Today-Money Today Financial Services Awards. Currently the insurance company has a pan India presence, with 759 branches the insurance company strives to reach to every individual who requires bike insurance, health insurance etc.

    Bajaj Allianz’s mission is to understand the insurance requirements of the customers and translate it into affordable insurance products that fulfil the requirements of a consumer and fit their budget. The insurance company offers technical excellence in all areas of motor insurance, health insurance etc.

    The Bajaj Allianz company is widely acknowledged for its cashless claim settlement facility in the bike insurance and other insurance sectors. It has bagged an iAAA rating from ICRA (Investment Information And Credit Rating Agency), which indicates that the company attains the capability to pay the highest amount of claims for bike insurance etc. Presently, the firm has a pan India presence, where it operates with 759 branches to establish its reach to every person requiring bike insurance, health insurance, and so on.

    Bajaj Allianz Bike Insurance

    Bajaj Allianz General Insurance is a well known private insurance company that provides two-wheeler insurance at competitive rates. When purchasing insurance for your two-wheeler keeps in mind there are three main types of insurance available for it in India. The first is third party insurance. This type of cover is compulsory and takes care of third party liabilities in case of a mishap including bodily injuries, death and property damage. The second is the standalone own-damage insurance, this covers the insurance holder’s two-damage in case of a mishap. This type of cover provides compensation in a variety of situations including road accidents, theft, vandalism, fires, natural and manmade calamities. However, if you are looking for an insurance policy that provides holistic coverage it is best to purchase a comprehensive insurance policy. It covers both own-damage costs and third party liabilities under a single cover making it hassle-free as well.

    There also a variety of add-on covers that you can purchase along with your own-damage cover that will further expand the coverage of the policy. These covers are optional and allow you to pick and choose according to your needs. The right add-ons can make a significant difference at the time of claim settlement. Some useful add-ons include the zero depreciation cover, the roadside assistance cover and the return to invoice cover.

    Bajaj Allianz General Insurance is a well recognized private insurance provider which offers two-wheeler insurance at a competitive price point. Bike insurance/two-wheeler insurance policy is a safety plan that protects the two-wheeler owner from the cost of repairs of own damage or any third parties liabilities that may arise in case of a mishap. While purchasing an insurance policy for your two-wheeler you must know that there are three types of two-wheeler insurance policies available in India. Bajaj Allianz offers three major types of two-wheeler insurance policies namely Third Party, Comprehensive and Standalone Own-Damage two-wheeler insurance policy.

    Bajaj Allianz Third Party Two-Wheeler Insurance policy provides coverage and compensation for third party liabilities that arise due to a mishap. This type of two-wheeler insurance policy is mandatory for the two-wheeler owners as per the Motor Vehicles Act, 1988. The rider is very beneficial for the two-wheeler owner in terms of legal as the third party two-wheeler insurance policy provides protection to the two-wheeler owner and the other parties involved in the mishap. This type of two-wheeler insurance policy covers third party liabilities in case an unforeseen event takes place which may result in bodily injuries,death and property damage to the third party.

    Bajaj Allianz Comprehensive Two-Wheeler Insurance policy provides holistic coverage because this policy covers both own-damage expenses and third party liabilities. This type of two-wheeler insurance policy provides coverage to the two-wheeler owner from the uncertainties of driving a two-wheeler. This policy is not compulsory to have but is recommended.

    Bajaj Allianz Standalone Own-Damage Two-Wheeler Insurance policy compensation for cost of damages/repairs caused in an accident, theft, natural/manmade calamities, fire/explosion etc. This type of two-wheeler insurance policy does not cover third party liabilities.

    Bajaj Allianz also offer a variety of add-on covers that you can buy along with your standalone own-damage and comprehensive two-wheeler insurance policy to expand the coverage r of the policy. These add-ons are optional and give you freedom to select one according to your requirements. Some useful add-on that Bajaj Allianz offers are namely Zero Depreciation Cover, EMI Protection, NCB Protect, Helmet Cover, 24x7 Roadside Assistance, Engine Protection, Consumable Expenses and Personal Accident Cover for Pillion.

    Bajaj Allianz offers its customers a quick and easy renewal system that can be done entirely online. Moreover, they have a quick claim settlement procedure and a wide network of cashless garages where you can get your two-wheeler repaired. The insurance provider also has an extremely high claim settlement ratio of 98%.

    Significant Points of Bajaj Allianz Bike Insurance



    Third Party Property Damage

    Up to 1 Lakh

    Own Damage Cover

    Depends on the IDV of the two-wheeler

    Personal Accident Cover

    Up to Rs. 15 Lakh

    Claim Assistance

    Available 24x7

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    Benefits of Bajaj Allianz Bike Insurance

    • A robust network of 4,000+ garages
    • 24x7 emergency assistance is provided
    • Offers customised insurance products and services
    • Digitally enabled processes with Caringly Yours App
    • Provides hassle-free and quick claim settlement process

    4 Bajaj Allianz Cashless Garages in India

    Must Read Articles before buying Bajaj Allianz Bike Insurance

    Bajaj Allianz Bike Insurance User Reviews

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    Bajaj Allianz Two-Wheeler Insurance FAQs

    • What is the frequency of renewal of the policy in Bajaj Allianz?

      In Bajaj Allianz, the renewal depends on the policy package you are opting for. The policyholders can take 1 year, 2 years and 3 years policy. The coverage period remains accordingly and after that, you will have to renew your policy if you want to continue enjoying the benefits.

    • How will I get to know about the nearest network garage?

      To get cashless service, the policyholders can locate their nearest garage by visiting You just need to put a few details such as your city name and a list of all the network garages will appear.

    • What are the add-on covers offered by Bajaj Allianz?

      Bajaj Allianz offers various add-on covers to allow policyholders to enhance their coverage. It provides Zero Depreciation Cover, 24/7 Spot Assistance Cover, etc. Along with that it offers Personal Accident Cover for Pillion Riders to protect the overall interest of the policyholders.

    • Why should I take my two wheeler insurance policy from Bajaj Allianz?

      When it comes to insurance policies, Bajaj Allianz has been the first choice of thousands of people across India. The customers here will get to enjoy various benefits like Easy online policy purchase, 24/7 Quick support, Hassle-free renewal services, No claim bonus transfer as well as Instant claim settlement facility. The company works with a motive to provide the best product and services to all its customers.

    • What all will not be covered in Bajaj Allianz Two Wheeler Insurance policy?

      The insurance coverage varies from plan to plan. In third party policy, there is no cover against theft or any damages incurred by the insured’s car. In comprehensive policy, exclusions include depreciation incurred by the insured’s car, mechanical and electrical breakdown, own damages incurred due to illegal practices, intoxication, nuclear mishap etc.

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    This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.