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Bajaj Allianz Car Insurance

Bajaj Allianz General Insurance is a private general insurance company in India, formed as a. joint venture between Bajaj Finserv Limited, owned by the Bajaj Group of India, and Allianz SE, a German financial services company. Bajaj Allianz is headquartered in Pune with offices in over 200 cities in India and more than 3,500 employees as of 2015.

Key Highlights of BAJAJ ALLIANZ General Insurance
  • Cashless network across 4000+ garages in India
  • Incurred claim ratio of 72.70%
  • Upto Rs. 7.5 lac for Third-party cover
  • Innovative Long-Term Two Wheeler plan with option to insure vehicle for three consecutive years with a one-time payment.

BAJAJ ALLIANZ General Insurance at a glance
  • Bajaj Allianz General Insurance currently has a 7.3% market share in private sector
  • Enforced by a strong distribution network across 200 cities
  • Cashless service across 4000+ garages in India

Documentation needed to apply for BAJAJ ALLIANZ Car Insurance policy
  • Completely filled covernote / application form with contact numbers
  • Name of insured person
  • Vehicle number
  • Make and model of the vehicle
  • Identification card
  • Copy of RC book if any
  • Copy of previous insurance ( for renewal)

Bajaj Allianz Car Insurance plans at a glance
  • Car Insurance plan

Bajaj Allianz Car Insurance Plans
Plan Name Benefits
Car Insurance
  • Three plans available – Best value, Standard, Flexible
  • Coverage for Electrical accessories
  • Coverage for Non-Electrical accessories
  • CNG Kit Coverage
  • Driver Cover
  • NCB Discount
  • Depreciation Shield (only in Flexible plan)
  • Engine Protector (only in Flexible plan)
  • 24/7 Roadside Assistance

Plan Features
  • 24x7 Spot Assistance
  • Lock and key replacement cover
  • Accident Shield
  • Consumable Expenses
  • Conveyance benefit
  • Personal baggage
  • Coverage for Electrical accessories
  • Coverage for Non-Electrical accessories
  • CNG Kit Coverage
  • Driver Cover
  • NCB Discount
  • Depreciation Shield (only in Flexible plan)
List of Manufacturing Tie-ups (Car)
Tata Motors
Ford Motors
General Motors
Mercedes Benz
Land Rover
Force Motors

Claim Process for BAJAJ ALLIANZ Car Insurance (Step wise)
Step Description
1: Register claim by phoning in 18002095858
or write to customersupport@bajajallianz.co.in
2: Survey will be arranged upon receipt of claim; Original Registration Certificate and Driving licence to be submitted to the company for verification
3: Duly filled in &signed claim form to be submitted to the Repairer/Surveyor
4: FIR to be filed in the same location where the third party injury/death/property damage has occurred.
5: Cashless facility provided if required documents are produced the satisfaction. For reimbursement claims, original cash bill or invoice with cash receipt is required
6: Vehicle delivery

Bajaj Allianz Car Insurance – FAQs
1.How to reduce the insurance premium?
The insurance premium can be reduced with the help of No-Claim Bonus where there have been no claims made in the previous policy year. Upto 50% No Claim Bonus available in Bajaj Allianz plans.

2.Is it advisable to make small claims?
It is advisable to not make claims less than INR 2,000, since the NCB for the next year would be INR 2,251 which is greater than the amount. It is better to take a quote of the repairs needed for the damage and then compare it with the No-Claims Bonus that the policy holder would receive next year, if the claim is not made.

3.Are electrical and non-electrical fittings covered?
Electrical / Electronic fittings in the vehicle such as fog lights fog lights, music system, AC (if not as a standard fitment), spoilers with brake light (4% of the value of the accessory)

Non-electrical fittings - such as mag wheels, seat cover, non-electrical spoiler etc. are covered as per own damage tariff on the value of such accessories

CNG Kit and Bi-Fuel system (as endorsed in the RC book) - Insured at an additional premium of appropriate loading on the value of such kit

4.Are tyres and tubes covered?
Any damage to tyres and tubes are not covered unless the vehicle is damaged at the same time. The amount receivable by policy holder is capped at 50% of the cost of replacement.

5.What is Insurance Declared Value?
It is the price of the vehicle after adjusting requisite depreciation against the manufacturers list price.