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Bajaj Allianz Car Insurance Claim

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

    Bajaj Allianz Car Insurance Claim

    The purpose of buying any kind of insurance is incomplete if you are not aware of the company’s claim process. It is important to buy a car insurance policy that not only ensures the protection of the third party involved in the accident but also adequately compensates you for the damages, whether the loss is caused by theft or an accident.The claim settlement process is similar across most insurance companies in India though it is important that you remain aware of your insurer’s rules governing the claim process.

    List of Documents Needed During Claim Settlement

    Following list of documents are needed at the time of claim settlement for Bajaj Allianz bike insurance plan in the event of theft or accident:

    In case of Accident

    • Copy of insurance plan
    • Duly filled and signed claim form
    • Original/Copy of Driving license
    • Registration certificate original/copy
    • Original tax receipts
    • Claim discharge voucher
    • Vehicle repair cost estimate
    • Payment receipts and repair bill
    • Copy of FIR

    In case of Theft

    • All Policy Details
    • Theft Declaration from Regional Transport Office
    • Original Policy Documents
    • Tax Payment Receipts
    • Original Registration certificate (RC)
    • First Information Report (FIR)
    • Warranty Card, Duplicate Keys and other accessories
    • Final Police Report
    • Judicial Magistrate First Class (JMFC)
    • Letter of Subrogation
    • Claim Discharge Voucher
    • Forms 28, 29, 30 and 35 duly signed by the policyholder

    How to Make Bajaj Allianz Cashless Car Insurance Claim?

    Claim settlement with Bajaj Allianz General Insurance Company is easy and smooth. Customers looking for a hassle-free claim settlement process must ensure the following:

    Step 1: Register your claim by calling on the company’s Toll-Free Number: 1800-209-5858. In case of theft, register your claim in writing at the nearest police station.

    Step 2:Send your vehicle for repair. You may either move it to a nearby garage or have it towed to a professional garage for proper servicing. The insurance company sends a surveyor to the garage to examine the structure and determine the extent of the damage.The surveyor will approve of the claims post which the policyholder will be updated about the various stages of the claim process.

    Step 3: Submit necessary documents for the survey and claim settlement process.

    Step 4: Post completion of the repair, the insurance company will make the payment to the garage. Alternatively, you may submit the bill and seek reimbursement of the claim.

    How To Make Bajaj Allianz Reimbursement Car Insurance Claim?

    Though the cashless claim settlement is easy and hassle-free, you may opt for claim reimbursement too if required. To file a car reimbursement claim you need to ensure the following:

    1. Register the details of your car and the accident to the toll-free customer care number
    2. You may also submit your details to the email-id given on the company’s site
    3. Take the car to a nearby garage for repairs
    4. Post submission of details, the company gives its policyholders a registration number corresponding to which they can track the progress of their claims made
    5. Submit necessary documents sought by the company’s surveyor for inspection
    6. After the details are verified, the insurance company initiates the claim settlement process and reimburses the claim settlement amount

    Common Bajaj Allianz Car Insurance Claim Rejection Reasons

    Buying a car insurance policy does not guarantee that the claim amount you seek will not be rejected. In fact, there may be a host of reasons for which your insurer may reject your claim. These include:
    • Your insurance policy had lapsed at the time of the accident
    • Unnecessary delay in reporting to the insurance company about the accident
    • You do not have a valid driving license
    • You were driving under the influence of alcohol or drugs
    • You have been using the car to carry out illegal activities
    • You did not intimate the insurer before carrying out any repairs
    • You bought the policy in someone else’s name

    Bajaj Allianz No Claim Bonus

    You can benefit from a car insurance policy by filing a claim after an accident or mishap, but you can also benefit if you do not file a claim. Bajaj Allianz offers a No Claim Bonus to policyholders who do not file a claim during the policy year.This benefit is rewarded in terms of discount at the time of policy renewal which reduces the premium of the next policy year. The NCB benefit starts from 20% and is accumulated with every consecutive claim-free year up to 50%, which is applicable on the premium of own-damage and comprehensive car insurance policy.
    To retain the NCB benefit, every policyholder must renew its policy before the due date. When you do not renew your car insurance policy, you may lose out on your no claims bonus which you are eligible for. This bonus is given to car owners or policyholders for safe and responsible driving, and it accumulates over time to get you good discounts and other benefits. As a result, if you do not renew your car insurance policy in a timely manner, this benefit will lapse.To keep No Claim Bonus intact, you must try to avoid raising a claim as much as you can by at least bearing the minor claims on your own as small damage repair costs could be lesser than the accumulated NCB discount.


    Common Bajaj Allianz Car Insurance Claim Rejection Reasons

    Buying a car insurance policy does not guarantee that the claim amount you seek will not be rejected. In fact, there may be a host of reasons because for which your insurer may reject your claim. These include:

    • Your insurance policy had lapsed at the time of the accident
    • Unnecessary delay in reporting to the insurance company about the accident
    • You do not have a valid driving license
    • You were driving under the influence of alcohol or drugs
    • You have been using the car to carry out illegal activities
    • You did not intimate the insurer before carrying out any repairs
    • You bought the policy in someone else’s name

    Bajaj Allianz No Claim Bonus

    With a car insurance policy, you get benefitted by making a claim after an accident or a mishap, but you can gain, even if you do not make any claim. Bajaj Allianz provides No Claim Bonus to its policyholders for not making any claim in a policy year. This benefit is rewarded in terms of discount at the time of policy renewal which reduces the premium of the next policy year. The NCB benefit starts from 20% and is accumulated with every consecutive claim-free year up to 50%, which is applicable on the premium of own-damage and comprehensive car insurance policy.

    To retain the NCB benefit, every policyholder must renew its policy before the due date. When you do not renew your car insurance policy, you may lose out on your no claims bonus which you are eligible for. This bonus is offered for safe and responsible driving to the car owners or policyholders, which accumulates over the years to fetch you good discounts and other benefits. Therefore, if you fail to renew your car insurance plan on time, this benefit would lapse. To keep No Claim Bonus intact, you must try to avoid raising a claim as much as you can by at least bearing the minor claims on your own as small damage repair costs could be lesser than the accumulated NCB discount.

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    Bajaj Allianz Car Insurance Claim Process

    It's 6 step simple process,Hassle FREE
    • 1

      Contact the customer care

      Contact the customer care centre of the insurer and report immediately about the accident
    • 2

      Provide Information

      Inform about the registration number of the car involved in the accident
    • 3

      Lodge an FIR

      Lodge an FIR at the nearest police station in the event of damages or physical injuries to any third party involved in the accident
    • 4

      Do not move your vehicle

      Do not move your vehicle until the surveyor from the insurance company reaches the accident spot to inspect the damages
    • 5

      Surveyor surveys

      The surveyor after talking to the network garage owner submits an estimate to the insurance company
    • 6

      Verification of the details submitted

      Post vehicle repair and verification of the details submitted, the insurance company will make the necessary payment to the network garage

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    746 Bajaj Allianz Cashless Garages in India

    Bajaj Allianz Car Insurance Claim FAQs

    • What is the compulsory deductible that I have to pay during the claim process?

      Compulsory deductible, also called the compulsory excess, is the amount of loss that you have to bear from your pocket for every claim made.

    • Will I be able to make a claim despite having lost the insurance policy documents?

      You may always apply for a duplicate policy document in case you have lost the original ones. Simply log on to our website with your ID and password and we will send you the soft copy of the document to your email id.

    • Is it necessary to inform my insurer about any modifications to my car?

      Be it any kind of modification including fitting additional devices or replacing the existing ones, it is important to keep your insurer informed about the same. Even, if you are planning to make a shift from the CNG to the PNG or vice versa, update your insurance company about the modifications to avoid claim rejections, as and when required.

    • What is the meaning of the term “Constructive Total Loss” in any car insurance policy?

      As per the guidelines in the Motor Vehicle Act, the constructive total loss is the amount of damage caused to the vehicle during an accident or loss due to theft in which the amount spent on the repairs of damaged parts is more than 75 per cent of the Insured Declared Value (IDV) mentioned in the policy.

    • Can I renew my car insurance policy online?

      Policyholders can apply for renewal of their car insurance policy online starting 60 days prior to the date on which your policy expires. If your car insurance policy has already expired, the insurance company will send an authorised surveyor to inspect the vehicle before issuing the policy. Post verification of the details submitted, the insurance company will issue a new policy to the customer.

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.