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- First insurance company to initiate cashless claim settlement policy
Bajaj Allianz Bike Insurance Claim
Bajaj Allianz bike insurance has an impressive claim settlement ratio of 91.46% (in the financial year 2017-2018). It has successfully settled thousands of claims through its seamless and easy claim settlement procedure.
Bajaj Allianz has digitalized the claim procedure to facilitate its policyholders by simplifying the whole process. It has set up an efficient helpdesk service as well to assist its policyholder at any hour of the day. The requirement and process of claim settlement have been elaborately discussed below.
List of Documents Required During Claim Settlement
Following documents are required at the time of a claim settlement.
- Duly filled and signed claim form
- Self-attested Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims
How To Make a Cashless Claim?
In the procedure of claim settlement by Bajaj Allianz, the following steps are to be followed.
Step 1: Contact your insurer and register the claim
Initiate the claim settlement process by contacting the insurer and registering the claim by providing them all the necessary details such as place, location and time of the accident, details of witnesses (if collected) etc. The easiest way to connect to your insurer is by dialling their toll-free helpline number 1800-209-5858. You can also mail at email@example.com to register the claim. Registering claim online through their official website is another option for you.
Step 2: Inspection of damages
After registering the claim, a surveyor is sent by the insurance company to the location of the mishap to inspect the extent of the damages incurred to the bike due to the accident. After the assessment of damage, you can take your bike for repairs.
Step 3: Send in your bike for repair
After the survey of your bike, tow it to the nearest network garage of Bajaj Allianz Two-wheeler Insurance. You can also request the insurer to arrange for the towing service.
Step 3: Claim Settlement
The insurance company will pay the repair expenses at the cashless garage. You just need to pay compulsory deductibles and voluntary deductibles (if any) to the insurer and take your bike home!
How To Make a Reimbursement Claim?
You can raise a reimbursement claim with the insurer if you have repaired the bike in a garage other than the network garages. You need to pay the repair expenses in the first place and then the amount is disbursed by the insurer. The process of reimbursement involves following the mentioned steps.
Step 1: Contact the insurer and register the claim
Initiate the claim settlement process by contacting the insurer and registering the claim by providing them all the necessary details such as place, location and time of the accident, details of witnesses (if collected) etc. The easiest way to connect to your insurer is by dialling their toll-free helpline number 1800-209-5858. You can also mail at firstname.lastname@example.org to register the claim.
Step 2: Assessment of damages
A surveyor is sent to assess the condition of the bike before it is sent for repair. You need to submit all the required documents to the surveyor at this stage.
Step 4: Repair and Reimbursement
You can now take your bike to a garage of your choice and pay for the repairs. To initiate the reimbursement process with the insurer, submit the bills and receipts of the repair along with the documents to the insurance company. After checking all the details, the insurer calculates the reimbursement amount factorising all the deductibles and depreciation. The company finally disburse the amount.
Common Claim Rejection Reasons
Bajaj Allianz has set some standards that every policyholder needs to follow to settle a claim. The insurer rejects the claim under the following circumstances.
- Registration of a fraud Claim
- Misinterpretation of facts
- Driving without a licence or under the influence of alcohol/drugs
- Delay in intimation about the mishap to the insurer
- Act of negligence.
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Bajaj Allianz Bike Insurance Claim FAQs
How do I claim insurance if the bike is stolen?
In case of theft of the bike, you need to lodge an F.I.R at the nearest police station. You need to submit the photocopy of the FIR and the documents mentioned above, the bike keys and a non-traceable certificate to the insurance company in order to register a claim.
If I lodge a claim after the expiry of my policy date for an event that occurred during the policy period, will it still be valid under the Bajaj Allianz bike insurance policy?
If the accident had occurred before the expiry date, you can make a claim to your insurer even after the expiry of the insurance policy. The insurer is obliged to settle the claim as the mishap had occurred in the policy period.
What is the meaning of the term “deductibles”?
In the terminology of insurance, the term deductible refers to the amount that the policyholder needs to pay as a part of his bike insurance claim. Every insurance policy has a predetermined value of minimum deductible which the policyholder has to pay after he has made a claim.
How can I find the nearest network garage of Bajaj Allianz?
You can find the nearest cashless garage of Bajaj Allianz in the following ways.
- From the official website: Click on the following link and select your location.
- By Calling: You can get information about your nearest network garage just by dialling their toll-free number 1800 209 5858.
How can I contact my insurer in case of emergency roadside assistance?
You can contact Bajaj Allianz for emergency roadside assistance just by dialling 1800 209 5858.
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