Bajaj Allianz Car Insurance FAQs

Bajaj Allianz Car Insurance

72 reviews Rate This
Highlights
  • Round the clock road-side assistance
    Check in your City
  • 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.

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

    Overview

    • 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.

    User Reviews

      Third Party

      • 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 predetermined geographical extent for the 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 three years.

      • What are the benefits of purchasing third party bike insurance under Bajaj Allianz?

        The benefits of purchasing third party bike insurance under Bajaj Allianz are as follows.

        • Easy and hasslefree 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, does the third party bike insurance provide any compensation?

        No, the third party bike insurance does not provide any coverage for the damage of insured’s bike caused due to natural calamity.

      Comprehensive

      • 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 their allotted 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.

      Comprehensive

      • 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 their allotted 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.

      Zero Depreciation

      • 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.

      Zero Depreciation

      • 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.

      Claim

      • 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.

      Renewal

      • 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.

      Bajaj Allianz Car Insurance User Reviews

      • Quick quotes for better understanding

        The “Get Your Quotes” option on Insurance Dekho helped me a lot. All I had to do was fill in my car’s model and company name and the website provided ...

        Read More
        N
        Neha Nanda
        On: February 20, 2020 | Views
      • Detailed overview of insurance

        I wanted to get the BAJAJ Allianz insurance policy for my car. While searching for the company and policy details I came across Insurance Dekho. The w...

        Read More
        K
        Kamlesh Banerjee
        On: February 20, 2020 | Views
      • Easy chat option

        While looking through the policies on Insurance Dekho I came across their online chat option. I got an instant reply from the executive when I contact...

        Read More
        S
        Smita Gupta
        On: February 19, 2020 | Views
      • Comparisons made easy

        After my friend suggested Insurance Dekho, I visited their website and started to compare the insurance plans. I had never imagined that it would be s...

        Read More
        N
        Nishtha Wali
        On: February 18, 2020 | Views
      • Paperless process

        The whole process of finding the insurance policies and comparing them on Insurance Dekho is completely paperless. It just required my car’s details. ...

        Read More
        M
        Mira Agarwal
        On: February 17, 2020 | Views

      Latest Car Insurance News