Bajaj Allianz Bike Insurance FAQs
|Claim Settlement Ratio||88.83% in FY20|
|Emergency Assistance||Available 24/7|
|Policies Issued||2.6 crore+ in FY20|
|Accreditation||iAAA Rating by ICRA|
- Save upto 75%*Lowest Bike Premiums
- 11.5 Lakh+Happy Customers
- Claim Support7 days a week
*TP price for less than 75cc two-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
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 www.bajajallianz.com. 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.
Do I get coverage for stolen bikes under Bajaj Allianz third party bike insurance?
No, Bajaj Allianz third party bike insurance provides cover only for third party liabilities. It does not cover the theft of the insured’s bike.
Does the third party bike insurance cover for the accident beyond the city limit?
Every insurance policy has a pre-determined geographical extent for insurance coverage. The insurer will provide coverage for the accident of the insured bike beyond the city limit if the location of the accident falls within the assigned geographical extent.
What would be the tenure for a long term Bajaj Allianz Third Party bike Insurance?
The tenure for a long term Bajaj Allianz Third Party bike Insurance is of 3 years.
What are the benefits of purchasing third party bike insurance under Bajaj Allianz General Insurance?
The benefits of purchasing third party bike insurance under Bajaj Allianz are as follow:
- Easy and hassle-free procedure for purchasing and renewing the insurance online without any paperwork.
- Active helpdesk service available round the clock.
- Quick claim settlement and tracking of claim status through SMS facility.
In the case of the insured’s bike damage due to natural calamity, will the third party bike insurance provide any compensation?
No, the third party bike insurance does not provide any coverage for damages of insured’s bike caused due to natural calamity.
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.
Will Zero Depreciation provide coverage for total damage?
The Bajaj Allianz Zero Depreciation will not provide coverage for a total damage of the insured bikes. The case of a total loss is also excluded from the coverage.
I do not own a luxury bike, do I still need to get the Zero Depreciation Cover?
Repairing or replacing parts of bikes, be it luxury or inexpensive, will cost the owner. Therefore, a policyholder will benefit by adding the Zero Depreciation cover to the insurance policy.
Can I claim Zero Depreciation for glass and fibre glass parts of my bikes?
Yes, you can claim Zero Depreciation for glass and fibre glass parts of your bikes. Generally, 30% is depreciated for repairing or replacing the fibre parts without Zero Depreciation added to the policy. However, the rate for glass parts is 0% with the Zero Depreciation cover.
How can I add the Zero Depreciation cover to my insurance policy?
You can visit the official website of Bajaj Allianz bike insurance or call their toll free, customer care number 18002095858 and add the Zero Depreciation cover along with the comprehensive insurance policy. You can either add the Zero Depreciation cover while purchasing a new policy or renewing an old one.
How many times can the Zero Depreciation cover be claimed?
The Zero Depreciation Cover can be claimed twice during the complete policy period. Any subsequent claims are subject for deduction as per the standard rates of depreciation.
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.
Can I change my contact number at the time of renewal of Bajaj Allianz bike insurance?
Yes, you can change your contact number while renewing your Bajaj Allianz bike insurance. It is advisable to update any change of personal details at this stage.
Can I avail to No Claim Bonus if I renew after the expiry of the policy?
After the expiry date of the policy, you may lose your accumulated No Claim Bonus. However, Bajaj Allianz provides you assurance of availing No Claim Bonus on renewal within 90 days of the expiry of the existing policy.
What happens if I do not renew my existing policy?
An insurance policy protects you from all the uncertainties of life. If you do not renew your existing policy, you may have to face the following consequences.
- You have to bear the financial and legal liabilities of the third party in case of any road mishap
- You will be penalized for riding a bike without a valid insurance policy.
- You do not get any compensation for the theft of the insured bike
How do I receive the documents of the renewed policy if I opt for the offline process?
In case of the offline process, once you are done with the payment, the insurer sends the hard copy of the policy documents to your address via courier. It usually reaches the policyholder in 7-10 days after the purchase.
What are the documents required for renewal in case of the offline procedure?
You have to provide the following documents in case of the offline process of renewing Bajaj Allianz bike insurance.
- A copy of the previous document policy.
- Certificate of Registration of the bike.
Why should I use the bike insurance premium calculator?
With the bike insurance premium calculator, you can easily get the premium amount and IDV offered by different insurance companies. It will help you select a better bike insurance plan.
How can I use the premium calculator to get the right premium amount?
You can find the best premium calculator to compute the premium and Insured Declared Value (IDV) for your insurance policy at the website of InsuranceDekho, i.e., www.insurancedekho.com.
Can I avail the premium calculator to compute the policy premium for my old bike?
Yes, you can avail premium calculator to compute the premium amount for your old bike.
What factors affect the premium of a bike insurance plan?
Factors that affect the insurance premium of a bike insurance cover are Insured Declared Value (IDV), Engine’s Cubic Capacity, No Claim Bonus (NCB), Anti-Theft Devices, Age of the Owner and so on.
What details should I enter to calculate the premium on the premium calculator?
You will have to enter details like make, model and variant of your bike, fuel type of your bike, RTO location of your bike, engine capacity of your bike, registration year of your bike, etc., to get the premium amounts offered by different insurers through the premium calculator.
How can I avail the Bajaj Allianz bike insurance add-on covers?
You can include and avail the bike insurance add-on covers offered by the Bajaj Allianz General Insurance by paying a little extra premium amount in addition to your regular premium amount for the base insurance policy.
Do I need to opt for the add-on covers compulsorily?
To opt for an add-on cover to include it in your bike insurance cover is an option. It is not a compulsion to opt for it.
Can I include an add-on cover in my Bajaj Allianz bike insurance plan during renewal?
Yes, you can either include the add-on covers in your bike insurance policy at the time of purchase or at the time of policy renewal.
How many add-on covers are provided by the Bajaj Allianz General Insurance for bike insurance covers?
The Bajaj Allianz General Insurance offers different types of add-on covers like 24x7 Spot Assistance, Zero Depreciation Cover, and Personal Accident Cover For Pillion Rider.
How many add-on covers can I add in my bike insurance policy?
You can add any number of add-on covers which are offered by the insurance company on the basis of your needs and budget.
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