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Bajaj Allianz Car Insurance FAQs

Bajaj Allianz Car Insurance

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Highlights
  • Round the clock road-side assistance
  • 4000+ Cashless garages at your service
  • 95% claim settlement ratio
  • Exclusive DriveSmart service available

Overview

  • Why should you purchase Bajaj Allianz car insurance online?

    Car insurance is a need of the hour. Purchasing it online from Bajaj Allianz cuts-down your work.


    • You could pick after reviewing the options at the convenience of your home.

    • The process of buying is quick and easy.

  • Third party liability and comprehensive car insurance – what’s the difference? Which Bajaj Allianz policy should I buy?

    A third party insurance cover third party liabilities only. Comprehensive car insurance on the other hand include own damage to vehicles and third party liabilities. For optimized protection, you must buy a comprehensive insurance plan from Bajaj Allianz.

  • Is your NCB transferable in Bajaj Allianz?

    Ofcourse, NCB is definitely transferable when you are changing your car insurance company to Bajaj Allianz. It solely depends on your clean claim-free driving record.

  • IDV – What does it imply in car insurance?

    IDV stands for insured declared value. It is the current market value of your vehicle. Depreciation of cars, wear and tear and other features are factored in.

  • Is NCB available for all Bajaj Allianz policyholders?

    NCB or No Claim Bonus is more of a rewarding discount. If no claims were made in the previous policy period, a good discount is offered on your car insurance from Bajaj Allianz.

  • Bajaj Allianz Policy Cover – How to know the period for which its valid?

    Every insurance company in business is required to furnish policyholders with a policy start date and end date. The same is applicable for Bajaj Allianz. This is the period upto which the policy is valid. After the date has expired, you are required to renew the policy.

  • My car insurance has lapsed – What do I do for my next Bajaj Allianz Insurance cover?

    Once your car insurance has lapsed, you will need to provide your car for inspection. If you have a good amount of NCB earned over a period, it is mandatory that you renew your Bajaj Allianz policy within 90 days of the policy being lapsed. If not, the NCB percentage will become null and void.

  • Why should I pay additional premium apart from my insurance cover for my Bajaj Allianz policy?

    Frankly, additional premium is only required for add-ons regardless of the insurer. These are additional riders that maximize value of your car insurance policy.

  • Why do I need Bajaj Allianz car insurance?

    What are you more likely to purchase – a branded something or a some random policy promising you a world of wonders? Bajaj Allianz is a brand, grasping a foothold for long in the market. It offers protection against third party liability, own damage and damage due to personal activity.

  • Bajaj Allianz car insurance policy – I need to know how much coverage does it offer?

    Bajaj Allianz car insurance lets you purchase car insurance online. Much depends on the IDV of the vehicle and its price.

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      Comprehensive

      • What if my car insurance policy expires?

        It is important that you renew your policy before it expires. Also, you must consider applying for your car renewal within 90 days of your policy expiry to ensure that you continue to avail the benefits of No Claim Bonus (NCB). Apart from it, if you do not get your car insurance renewed within the stipulated period, you may have to agree to car inspection by the insurance company, which may be chargeable.

      • Do I have to pay higher premiums, if my car is older?

        The age of your car has a determining effect on your premium rates. This means that older the car, higher is the premium amount that you will be required to pay towards car insurance. This is because older cars are more prone to damages from accidents than new vehicles.

      • I am moving from Kolhapur to Mumbai. Will my car insurance premiums increase?

        Car premiums rise when you are moving to a densely populated area or a metropolitan city. This is because the chances of your car meeting with an accident are higher in such cities.

      • How long does my NCB certificate remain valid?

        Customers who have made no claims on their car insurance are entitled to No Claim Bonus (NCB) benefits, which has a decreasing effect on their premium rates in future. However, the NCB certificate is valid for a period of three years. This means that the policyholders can enjoy its benefits over the span of the next three years or till they make a claim on their insurance, whichever is earlier.

      • If I wish to save on my car insurance premiums, should I opt for monthly payment or pay premiums annually?

        Yearly premium payment ensure lesser premium charges than those paid monthly.

      Claim

      • 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, constructive total loss is the amount of damage caused to the vehicle during any 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.

      Zero Depreciation

      • How do I know if I must opt for a regular cover or a comprehensive policy with zero depreciation cover?

        A lot depends on your willingness to take risks or preference of claim amounts on the investment made. A Zero Depreciation cover is preferred in following cases:

        • If you have a car that is less than five years old.
        • If you drive a luxury car, the repairs of which are costly and can be done at authorised dealers only.
      • Can I get my No Claim Bonus (NCB) migrated if I am planning to change my insurer?

        Your NCB and its benefits get transferred to another insurance company sans any added costs. When you renew your policy through us, you may leave the transfer of the NCB benefits to the new insurance company to us.

      • Is service tax applicable on the premium charges that I pay on my car insurance?

        As with other purchases, service tax is applicable to insurance prices too. The insurance company charges the service tax as per the prevailing rules and regulations.

      • What is the “Certificate of Insurance” under the Motor Vehicles Act?

        The insurance company, post acceptance of the car insurance proposal submitted by its interested customers, issue a “Certificate of Insurance” to them, thereby, accepting to bear the risk associated with their cars. Policyholders must ensure that they carry this insurance document with them while driving.

      • Can one have the insurance and vehicle ownership under different names?

        One must remember that the insurance is on the car that the owner buys. This means that it is imperative that the insurance is bought in the same name as the car. This ensures hassle-free claim payment. Any discrepancy regarding the name or address of the car owner may result in the insurance company rejecting the claim out-rightly.

      Renewal

      • Is there any way to set a renewal reminder for my Bajaj Allianz car insurance policy?

        Yes, there is a tool available on Bajaj Allianz’s website which reminds you every time you approach the renewal deadline. Visit Bajaj Allianz Renewal home page and choose ‘Renew now’ under the ‘Car Insurance’ tab. Click on ‘Renewal Reminder’ and enter your name, mobile number, Email Id and Renewal date. The company will remind you as the deadline approaches.

      • What is the tenure of Bajaj Allianz car insurance policies?

        Just like most of the general insurance companies, Bajaj Allianz offers a car insurance policy valid for a period of 1 year to old car owners. However, the first policy tenure for new cars should be compulsorily for at least 3 years.

      • What if I missed renewing my car insurance policy?

        It is highly recommended that you should renew your policy within the stipulated time. However, if you fail to do so, you can still proceed with the renewal of your policy after getting an inspection done for your vehicle.

      • Can I opt out for previously taken add-ons at the time of renewal?

        Yes, you can opt out for the previously taken add-ons at the time of renewal.

      User Reviews

        Third Party

        • How is Bajaj Allianz Third Party Car Insurance beneficial for the policyholder?

          Uncertainty is the ultimate truth of life. You never know when an accident can happen with your car. Therefore, Third Party Car Insurance policy helps the policyholder to be ready for the harm caused to another person through their vehicle. It compensates for the losses caused to property and life.

        • Will the damage caused to my vehicle be covered under Third Party Car Insurance policy?

          Under the policy, only damages caused to another person (third party) is covered. Any damages occurred to the insured or insured’s vehicle are not covered under the policy.

        • Why should I take a third party car insurance policy?

          Third party car insurance policy is mandatory for every vehicle owner. It protects the policyholder from the hustle of legal liabilities. Along with that, it prevents you from paying against those heavy damages by backing them up with financial expenses that are required to compensate for the third party.

        • Will I get NCB along with my third party cover?

          No, No Claim Bonus is not applicable to third party car insurance policy.

        • What is the minimum tenure period for third party cover?

          Bajaj Allianz General Insurance offers third party cover for a minimum tenure of 1 year. The policyholders need to renew their policy at the end of the period.

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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.