Aditya Birla Group is a powerhouse corporation in India. Its diverse portfolio includes retail, telecom, cement, financial services, and insurance. Within this enterprise, Aditya Birla Insurance Brokers Limited (ABIBL) stands out as a subsidiary of Aditya Birla Capital Limited.
It provides a wide range of insurance products, including car insurance. Aditya Birla Car Insurance is a comprehensive policy offering coverage against various vehicle ownership risks. It is tailored to provide financial protection against unexpected events such as accidents, theft, natural calamities, and third-party liabilities.
The Aditya Birla Car Insurance policy goes beyond basic coverage, offering a variety of features and benefits to its customers. It covers both own damage and third-party liabilities.
You can choose from various add-ons/riders to enhance the policy’s coverage. Some of these add-ons include zero depreciation cover, engine protector, consumables cover, and roadside assistance.
Additionally, the policy offers a no-claim bonus if you do not make any claims during the policy period. This means there will be a significant reduction at the time of renewal.
Aditya Birla Car Insurance also provides cashless claim settlement at over 4,500 network garages/workshops across the country. This makes it easy and convenient for you to get your vehicle repaired without any hassle.
Aditya Birla Car Insurance stands out as a comprehensive and reliable policy that caters to the unique needs of car owners in India. With a range of features and benefits, customers can customize their policies to suit their specific needs and budget.
Aditya Birla Car Insurance Online provides customers with many benefits and features, making it a hassle-free way to purchase car insurance. Here are the key features and benefits of Aditya Birla Car Insurance Online:
Competitive Premiums & Comprehensive Coverage
Add-ons – You have the option to enhance the coverage by choosing from a range of add-ons. This includes zero depreciation cover, engine protector, consumables cover, and roadside assistance.
Cashless Claim Settlement
Aditya Birla Car Insurance offers a range of add-ons/riders that you can choose from to enhance the policy’s coverage. These add-ons provide additional protection and financial security against unforeseen events that may occur while you are on the road. Some of the add-ons available are –
Zero Depreciation Cover: This add-on protects you against the depreciation of your car's value. The policy covers the cost of replacing parts with new ones without considering the depreciation factor. This means that you are offered complete financial protection.
Roadside Assistance: With this add-on, you are guaranteed 24/7 roadside assistance in the event of a breakdown, flat tire, or any other emergency situation. The policy covers the cost of towing, minor repairs, other related expenses, etc.
Engine Protector: The Engine Protector add-on provides coverage against damage to the engine or parts due to waterlogging, oil leakage, or any other mechanical breakdown. The policy covers the cost of repairing or replacing the damaged engine parts to avoid paying for unexpected repairs.
Consumables Cover: This add-on covers the cost of consumable items such as nuts, bolts, and engine oil. These consumables are generally not covered under a standard car insurance policy. The policy provides you with financial protection against such expenses, ensuring you do not have to bear the cost of these items during repairs.
Personal Accident Cover: This cover ensures financial protection for you and your family in the event of an accident. The policy covers the cost of various medical expenses and related hospitalization. It provides compensation for disability or death due to an accident.
Return to Invoice Cover: With this add-on, you will be provided with complete financial protection in case your car is stolen or damaged beyond repair. The policy covers the difference between the insured declared value (IDV) and the car's invoice value. This ensures that you receive the maximum compensation for your loss.
No-Claim Bonus Protection: This add-on protects the customer's no-claim bonus (NCB) over the years. In the event of a claim, the policy provides customers with a protection cover that ensures their NCB remains intact.
Key Replacement Cover: A key replacement cover provides the cost of replacing lost or damaged keys in your car. The policy covers the cost of new keys and other related expenses, providing customers with complete financial protection.
Knowing how to file a claim is essential, as it can help you get the financial assistance you need in case of an accident or damage to your vehicle. Aditya Birla Car Insurance offers a claims process that is easy and straightforward.
When filing a claim with Aditya Birla Car Insurance, there are a few essential steps that customers need to follow:
Inform the Authorities
Register the Claim – To initiate the claims process, you can call the toll-free number or visit the website. You will then receive a claim number, and a representative from Aditya Birla Car Insurance will get in touch with you to guide you through the process.
Provide Necessary Details – You must provide all the necessary details related to the incident, including the location, time, and date of happening. You will also need to submit relevant documents such as the FIR, vehicle registration certificate, driving license, and policy documents.
Vehicle Inspection – After receiving the claim request, Aditya Birla Car Insurance will arrange for an inspection of the damaged vehicle. A surveyor will assess the damage and provide an estimate of the repair costs.
Claim Settlement – Once the surveyor provides an estimate, Aditya Birla Car Insurance will settle the claim based on the terms and conditions of the policy. If the policy offers cashless claim settlement, you can get your vehicle repaired without having to pay anything from your pockets. If you choose to get the vehicle repaired at a garage outside the network garages, you can opt for the reimbursement option.
By following the simple steps mentioned above, you can easily file a claim and get financial assistance in case of an unfortunate event.
Aditya Birla Car Insurance offers a simple and convenient way to file a reimbursement claim. You can choose to raise a claim through various ways such as the website, or mobile app, call the toll-free number or send an email to initiate the process. However, the easiest way to file a reimbursement claim is by visiting the Aditya Birla Car Insurance website or mobile app.
Open the Aditya Birla website or mobile app and click on the 'Claims' tab and select 'Reimbursement Claim.'
You will then need to fill in the required details, including policy number, vehicle registration number, and contact information.
After filling in the necessary details, you will be required to upload the required documents like the repair bills, payment receipts, and vehicle inspection report.
Finally, you can check all information provided and submit the claim form. The claim will then be verified and processed.
Duly filled and signed claim form
Copy of the policy document
FIR copy in case of accident or theft
Duly filled and signed claim form
Copy of the policy document
FIR copy in case of accident or theft
Original repair bills and payment receipts
Vehicle inspection report (for accidental damage)
Here are some of the potential reasons for Aditya Birla Car Insurance claim rejection –
Failure to disclose essential information/material facts
Driving under the influence of drugs or alcohol at the time of the accident
Driving without a valid driving license
Breaching the terms and conditions outlined in the policy agreement
Aditya Birla Car Insurance rewards safe driving with its exciting No Claim Bonus. You will be eligible if you do not file any claims during their policy period. This means that you can enjoy a discount on your next year's premium. The discount can range anywhere from 20% to 50%, depending on the number of claim-free years. Plus, the discount can be transferred to a new car if you buy a new vehicle. Hence, if you drive safely, you will be able to save some money on your car insurance with Aditya Birla's No Claim Bonus structure.
Aditya Birla Car Insurance provides a handy tool called the Car Insurance Premium Calculator. This tool allows you to calculate the premium for your policy based on various factors such as your vehicle's make and model, the year of manufacture, the type of coverage you want, and your personal details like age and driving history.
Using this tool is simple, easy, and convenient. Simply enter the required details and the tool will calculate the premium for you in a jiffy. This not only saves you time but also helps you make an informed decision to choose the right car insurance policy.
Aditya Birla Car Insurance Premium Calculator not only helps you calculate your premium accurately but also saves you time. It ensures the benefits of accuracy, time-saving, comparison, customization, and transparency.
The company also has a dedicated email address for customer support, which is firstname.lastname@example.org.
A policy document is an important legal agreement between you and the insurance company. It outlines all the terms and conditions of the policy, including the coverage details, premium amount, deductibles, and exclusions. The policy document serves as proof of insurance and provides clarity on the benefits and limitations of the policy. It is important that you thoroughly read and understand the policy document. This ensures that you are fully aware of the coverage provided by your car insurance policy.
Here are the steps for downloading Aditya Birla Car Insurance Policy online using the policy number:
In case of any difficulty in downloading the policy document, you can reach out to the customer care team for assistance. You can also access the policy document through the Aditya Birla Insurance mobile app.
To get a hard copy of the Aditya Birla car insurance policy, you can follow these steps –
Submit the details, and the Aditya Birla Insurance team will process the request and send the hard copy of the policy to your registered address.
If you are an Aditya Birla Car Insurance policyholder, you may need to make changes in your insurance policy document for various reasons. This includes –
To modify the policy document, you can log in to your account on the Aditya Birla Insurance website or mobile app. Go to the “Policy” section and select the relevant policy. You can click the ""Edit Policy"" button and make the required changes. After submission, the Aditya Birla team will process the request and update the policy document accordingly.
In case of further assistance, you can reach out to the customer care team to make changes to your policy document.
If you have an Aditya Birla Car Insurance policy, you must renew your policy on time, before it expires. The renewal timeline for Aditya Birla Car Insurance is 30 days before the expiry of the policy.
Renewing your existing car insurance policy regularly has several benefits. You can continue to avail of comprehensive coverage for your vehicle, get protection against third-party liabilities, and earn a no-claim bonus (NCB) for every claim-free year.
Renewing your Aditya Birla Car Insurance policy is very simple. You can visit the company's website or mobile app and log in to your account. Then, you can navigate to the “Policy” section and select the policy you wish to renew. After that, you need to make the payment of the premium amount, and the policy will be renewed instantly.
Aditya Birla Third Party Car Insurance ensures that car owners are protected against legal and financial liability in case of any third-party claims for property damage or bodily injury. This is especially important as third-party car insurance is mandatory as per the Motor Vehicles Act in India.
The policy covers the medical expenses, property damage, and legal fees of the third party involved in an accident caused by your car. However, it does not provide coverage for your car or any injuries sustained by you or your passengers.
Aditya Birla Third Party Car Insurance provides coverage up to a specified limit as determined by the IRDAI. For complete coverage, you may opt for comprehensive car insurance, which includes third-party coverage as well as coverage for your car."
Aditya Birla car insurance covers damage or loss caused to your car due to accidents, theft, natural calamities, fire, and third-party liability.
To file a claim, you can call the Aditya Birla insurance helpline number or visit the nearest branch office. Provide the required details and documents, and the claim will be processed.
Yes, you can renew your Aditya Birla car insurance policy online by visiting their website.
Yes, Aditya Birla car insurance offers add-on covers such as engine protection, zero depreciation, personal accident cover, and roadside assistance.
Yes, third-party liability coverage is mandatory as per the Indian Motor Vehicles Act.
You can check the status of your Aditya Birla car insurance claim by calling the helpline number or visiting the nearest branch office.
You need to provide the registration certificate of your car, your driving license, and your ID proof to purchase Aditya Birla car insurance.
You can calculate the premium for your Aditya Birla car insurance policy by using their online premium calculator.
Aditya Birla car insurance policies are available for one year and can be renewed every year.
Yes, you can cancel your Aditya Birla car insurance policy mid-term by providing a written request to the company.
The customer care number for Aditya Birla car insurance is 1800-270-7000.