Bajaj Allianz Comprehensive Two-Wheeler Insurance Policy
Bajaj Allianz Comprehensive Bike Insurance provides protection against third party liabilities as well as own-damages incurred by the policyholder’s bike in an unfortunate event. Bajaj Allianz has earned its popularity by serving thousands of people with its comprehensive bike insurance plan.
Bajaj Allianz comprehensive bike insurance provides an extra layer of protection to your bike. It assures all-in-one coverage against losses incurred and caused by the insured’s bike.
Bajaj Allianz Comprehensive Bike Insurance vs Third Party Bike Insurance
Comprehensive Bike Insurance
Third Party Bike Insurance
A comprehensive policy covers the financial and legal liabilities of the third party as well as the own damages incurred by the insured’s bike.
It provides coverage only for third party liabilities in case of an accident involving the insured’s bike.
The policyholder can stretch the coverage of the policy by opting for add-on covers such as zero depreciation, consumables cover etc.
Add-ons are not available with a third party insurance plan.
The premium of a comprehensive plan is relatively higher due to its extensive coverage.
The premium of a third party plan is relatively lower due to its limited coverage.
What All is Covered Under Bajaj Allianz Comprehensive Bike Insurance Plan?
Bajaj Allianz comprehensive bike insurance provides coverage for the following:
- Third party liabilities: The insurer provides financial and legal support for the loss suffered by the third party due to the insured’s bike. It compensates for the property or vehicle damage of the third party up to Rs. 1 lakh. In case of bodily injury/ disability/ death of the third party, the compensation amount to be paid by the insurer is decided by a court of law.
- Own Damage incurred due to natural calamities: The plan covers damages incurred by the insured bike’s due to flood, earthquake or any other natural calamities.
- Own Damage incurred due to man-made disaster: The insurer provides coverage for the own damage incurred by the insured’s bike due to man-made disaster such as riots, strikes, fire, etc.
- Theft of insured’s bike: The plan provides insurance cover in case the insured’s bike gets stolen.
What All Is Not Covered Under Bajaj Allianz Comprehensive Bike Insurance?
Bajaj Allianz comprehensive bike insurance refrains from providing coverage under the following circumstances:
- In case of an accident beyond the predetermined geographical extent.
- For an accident due to contractual agreement.
- In case of accidents where the bike was not driven by the described person at the time of the accident
- In the case of alcoholism or intoxication
- In case of lack of valid licence of the insured’s bike driver
- In case of conflict or war, mutiny or nuclear risk.
Bajaj Allianz Comprehensive Bike Insurance Benefits
Bajaj Allianz comprehensive bike insurance provides the following advantages to its policyholder:
- The insurer relieves the policyholder from the financial and legal burden of the third party liabilities.
- The insurer compensates for the “own damage” incurred by the insured’s bike.
- The coverage of the policy can be stretched by opting for add-on covers.
- A network of cashless garages all over India provides free repairs for the insured bike.
- Round the clock emergency/ roadside assistance is available.
- Assured quick claim settlement.
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Must Read Articles before buying Bajaj Allianz Bike Insurance
- What is the VIN? What is the chassis number? What is the engine number of your bike? Where can you find it? Let's get answers to all the questions.
- How to get no-objection certificate for a bike online? A no-objection certificate or noc is an important legal document. Read more.
- What things should you keep in a two-wheeler safety kit? We have a list down of essential things that every bike riders must keep in their riding kit.
- The rules set by IRDA differ based on the type of coverage for two-wheeler insurance policies. Here are the IRDA rules for two-wheeler insurance.
- Are you looking for buying long term two wheeler insurance online? Learn how to buy long term two wheeler insurance online for your bike.
Bajaj Allianz Bike Insurance User Reviews
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4 Bajaj Allianz Cashless Garages in India
Bajaj Allianz Comprehensive Bike Insurance FAQs
What are the add-on covers available along with Bajaj Allianz comprehensive bike insurance?
Bajaj Allianz comprehensive bike insurance offers the following add-ons to its policyholders along with a comprehensive policy.
- Flat Battery cover.
- Spare Keys cover.
- Flat Tyre cover.
- Minor Repairs cover.
- Fuel assistance.
- Zero Depreciation.
- Pillion cover and many more.
How can I avail roadside assistance in case of sudden breakdown of bike?
In case of a sudden breakdown, you can reach out to the road assistance team of Bajaj Allianz General Insurance by calling their toll-free number 1800 209 5858.
Do I get coverage under comprehensive bike insurance if the bike is damaged due to landslide?
Yes, Bajaj Allianz comprehensive bike Insurance provides coverage for any damage caused to the insured bike due to landslide or any other natural calamities.
How can I purchase Bajaj Allianz comprehensive bike insurance?
You can purchase Bajaj Allianz comprehensive bike insurance in the following ways:
- By visiting the nearest branch.
- Through their official website online.
- By calling the toll-free number 1800 209 5858
How can I check the status of policy issuance after I have made the purchase?
You can check the status of your policy issuance through the official website of Bajaj Allianz. You need to open it and click on the “Policy issuance tracker”. Select the bike insurance policy, fill the security check answer and fill in the policy number. You can now view the status of your policy.
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