Bajaj Allianz Car Insurance is a well-known car insurance provider in India that offers a wide range of features and benefits to car owners. With its unique and customer-centric insurance policies, Bajaj Alliance is committed to providing top-notch services to customers and to becoming a popular choice among car owners in India. The distinctive features of Car Insurance Policies are what make Bajaj Alliance stand out from the rest.
The DriveSmart Telematics program: It's basically like having your personal driving coach! It uses high-tech telematics technology to track your driving habits and give you feedback on how you can improve. Plus, it can even help you save on your insurance premium!
Motor On-The-Spot Service: If you're ever in an accident or your car breaks down, you will have help sent to you right away. No waiting around on the side of the road for hours! It is all about getting you back on the road as quickly as possible.
And if you're looking for even more coverage, you get a bunch of add-on options to choose from. You can get an engine protector, zero depreciation cover, consumable expenses cover, and more. You can customize your policy to fit your exact needs. With such cool features and more, Bajaj Alliance offers a range of services to policyholders.
Bajaj Allianz Car Insurance Online offers a comprehensive car insurance policy with unique benefits. Here are some of its standout features:
Online Claim Registration: With Bajaj Allianz Car Insurance Online, the policyholder can register their claims online, which is a quick and convenient process.
Roadside Assistance: Bajaj Allianz Car Insurance Online offers 24/7 roadside assistance. This means that if you ever get stuck on the side of the road due to an accident or breakdown, you can simply call the insurer's helpline number and they will send someone to assist you.
Engine Protector: The insurer offers an engine protector add-on coverage for damage to the engine and its parts. This can be especially helpful in case of accidents or natural disasters.
Personal Accident Cover: The company provides personal accident cover for the policyholder and any passengers in the car. This covers accidental death, permanent total disability, and other injuries caused by accidents.
No-Claim Bonus Transfer: Bajaj Allianz Car Insurance Online allows policyholders to transfer their no-claim bonus (NCB) from their previous insurer to their new policy with them. The policyholder can also avail of discounts on the insurance premium during policy renewal.
Online Policy Management: The company provides policyholders with the convenience of managing their policies online. This includes online policy renewal, policy endorsements, and other services.
Add-ons with Bajaj Alliance Car Insurance Policies are curated to provide additional protection to the policyholder’s car and can be easily customized as per the needs. Its 24/7 roadside assistance, engine protector add-on cover, personal accident cover, no-claim bonus transfer, and online policy management are just some of the add-ons that can be accessed under online services. Here are some other popular add-on covers offered by Bajaj Alliance Car Insurance:
Zero Depreciation Cover: This add-on cover ensures that the policyholder receives the full cost of replacing damaged car parts without factoring in depreciation. This means that the policyholder can get the entire cost of replacement parts covered under the policy, instead of only a portion of it.
Consumable Expenses Cover: This add-on provides coverage for expenses incurred on consumables such as engine oil, nuts and bolts, and other items that need to be replaced during car repairs. This helps to reduce out-of-pocket expenses for the policyholder.
Key and Lock Replacement Cover: This add-on cover provides coverage for the cost of replacing lost or damaged car keys and locks. This can be especially helpful in case of theft or other such incidents
Personal Belongings Cover: This add-on cover provides coverage for loss or damage to personal belongings that are kept in the insured car. This can include items such as mobile phones, laptops, or other valuables.
Tyre Secure: This add-on cover provides coverage for the repair or replacement of damaged tires due to accidents, punctures, or cuts. This can be especially helpful in the case of rough road conditions or accidents.
Return to Invoice: This add-on cover provides coverage for the difference between the invoice value of your car and its current market value in case of a total loss. This ensures that you don't have to bear the financial burden of depreciation in case of a total loss of your car.
Electric/Electronic Accessories Cover: This add-on cover compensates for the repair cost incurred on the electrical or electronic accessories of your car, such as brake lights, fog lights, air-conditioner, and music system, after an accident or mishap.
Daily Allowance Expenses Cover: This add-on cover provides coverage for emergency transportation in case your car breaks down or is involved in an accident far away from your home. This ensures that you don't have to worry about unexpected expenses when stranded away from home.
The add-ons can be availed to enhance car insurance coverage by paying an additional premium.
When it comes to car insurance, filing a reimbursement claim can be a daunting task for many people. However, filing a claim correctly and promptly can help you receive compensation quickly, especially in situations where urgent repairs are needed. Moreover, it can help you avoid claim rejection, which can be frustrating and expensive.
Whether it's an accident, theft, accidental damage or natural disaster, you can raise a claim request with your insurance provider to cover the cost of repairs or replacement of your car. Make sure to inform the insurance company as soon as the need arises, especially in the case of an accident.
However, it is important to have all the necessary documentation to support your claims, such as police reports, witness statements, or photographs of the damage caused. Bajaj Allianz is known to provide prompt assistance in filing the claim, approving the claim and disbursing the compensation in a timely fashion.
Understanding how to file a claim will ensure that you receive the maximum compensation for your losses quickly.
Under the Reimbursement Claim, the policyholder pays for the repairs that are to be done to their car at a car service of their choice. This payment is then reimbursed to them by their policy provider.
Steps to File Car Insurance Reimbursement Claim:
Make sure to inform your insurance provider, as soon as possible.
Gather proof of the damage in the form of images, and videos and secure the damaged parts if loose.
Pay the repair cost and keep the original bills and receipt secure.
Ask the policy provider to survey and inspect the damages and repairs.
Present the policy documents, proof of identity, proof of damages, and receipts and bills received after the repair.
If the damage is incurred due to any major accident, make sure to file an FIR and keep a copy of the FIR handy.
Documents required for a cashless claim:
1) Details of the insured vehicle
2) Documents of car insurance policy
3) Claim Form duly filled
4) Car repair bills
documents required for a reimbursement claim:
1) Details of the insured vehicle
2) Documents of car insurance policy
3) Claim Form duly filled
4) Car repair bills
5) Proof of damage
If filing is not done right, the claim can be rejected by the insurer. Here are some major reasons why a car insurance claim can be rejected:
If the damage caused does not come under your policy conditions, the claim will be rejected by the provider.
If it appears to the insurer that there are traces of fraudulent activities, the claim will be rejected.
If the damage caused to the car falls under any exclusion category of the policy it may lead to the rejection of the claim.
Refraining to share any important information by the policyholder.
Lacking necessary documents and failing to produce them while claiming.
Failing to report the damages and accident in time.
Bajaj Alliance Car Insurance provides a No-Claim Bonus (NCB) to the policyholders for not claiming in the preceding year. The amount provided in the NCB lies between 20 to 50% of the payable premium.
However, it is not applicable on the very first purchase of Car Insurance. But it can be transferred from your previous policy to a new one. If the insured car with an NCB is inherited by someone after the policyholder is deceased, it can be claimed by the inheritor.
While planning to buy car insurance online, multiple factors are to be kept in mind and it can come off as a difficult task to choose the best policy. Apart from the coverage and add-ons, the premium amount of a policy is one factor that must be estimated accurately.
A premium is an amount that you would pay when you opt for a car insurance policy. The amount may vary depending on the coverage, add-ons, type of vehicle, safety features of the car, compulsory and voluntary deductibles, and additional charges.
Therefore, a Premium Calculator takes into account all the factors involved while opting for a policy and estimates precisely what amount should be paid to you to bear the cost to cover any unforeseeable losses.
A premium calculator for car insurance gives an estimate of the premium amount to let you plan accordingly.
It also gives you a near about idea of how changing plans or coverage can affect the final premium amount
With a premium calculator, you can be better prepared with the documentation while buying a policy.
It also eliminates the possibility to make any hasty decisions while deciding which policy to choose.
Its reliability can save you time and avoids the pressure to take up complicated calculations to get an accurate estimation.
With Bajaj Allianz Premium Calculator, you can simply deduce a premium value that is well calculated taking multiple factors into account. All the valuable points, such as the Car’s Insured Declared value, No Claim Bonus, Voluntary Excess, Add-on Covers, Geographical Location, Car Specifications, and Discounts, are included. However, the required car details might slightly vary depending on the condition of the car.
Details Required for a Used Car:
Details of Ownership
Details Required for a New Car:
Model of the Car
State in which the Car is Registered
Bajaj Allianz’s website provides all the information that you need before finalizing an Insurance Policy with several options and tools.
To reach out you, can connect through the following options:
Email id: firstname.lastname@example.org
For senior citizens: email@example.com
Fax no: 020-30512246
The process of buying the right car insurance can be overwhelming in terms of documentation, management, and compensation. But being prepared with the correct and complete documents can make this process a whole lot easier and quicker. It is also important to establish significant terms and conditions both parties agree on. All in all, the documentation makes for solid groundwork for a smooth car insurance buying.
You can easily download all the necessary documents from the website of the company by just submitting your policy number. Here are some simple steps to download Bajaj Allianz Car Insurance Policy Online:
Visit the official website.
Search and select the option to download the e-copy of the policy.
Enter the policy number and the registered mobile number for the policy.
Enter the OTP received for verification.
Enter the registered email ID with the Policy.
Check the same email address for the e-copy of the car insurance policy.
Many people prefer to have hard copies of their insurance policies for comfort and convenience. Bajaj Allianz offers an easy process for requesting a physical copy of the insurance policy. Here are some simple steps to follow:
Reach out to the company via their email address for support or connect directly through the helpline number.
In either case, provide the registered email address and mobile number.
You can also submit an application enclosing registration and policy details asking the company to send you a hard copy of the car insurance policy. You will get the hard copy soon.
A Car Insurance Policy is subjected to various changes that might take place right from the time you bought it. Multiple changes can be done to your Bajaj Allianz car insurance policy as and when they come.
Updating vehicle details
Vehicle modifications, such as brakes, suspension, body, wheels, etc.
Change in marital status
Shift in occupation
To get any information changed in your car insurance policy, you need to reach out to the insurer by sending them an email enclosing policy details, address proof, and the edits you wish to get done. The edits can also be made by visiting your nearest Bajaj Allianz Branch and presenting your policy details, proof of Identity, and proof of address.
Renewing the car insurance policy is important because it ensures that the policy remains in force and provides continued coverage for you. It also ensures that the policy remains up-to-date and reflects any changes in the circumstances, such as changes in the vehicle, address, or driving habits. It is a simple process that can be done from the comfort of one’s home. Renewing car insurance on time, every year, is important because a lapsed policy can cause loss of coverage and lead to financial loss under unexpected circumstances. Therefore, with a simple process, you can renew your Car Insurance Policy every year, and enjoy better offers, discounts, and benefits.
You can easily renew your Bajaj Alliance Car Insurance Online:
Log on to your Bajaj Alliance profile
Select the “Renew Online” option.
Fill in the Car Insurance Policy details.
Enter the vehicle registration number.
Select any additional packages or add-ons, if required.
Review the details filled in by you.
You will receive a premium quote.
Make the payment and you are all set!
Opting for third-party insurance is constitutionally and financially a wise decision. It acts as a protective net for the policyholder in case of unexpected and unforeseen events.
Bajaj Allianz's third-party car insurance policy provides coverage for losses incurred by the third party due to the insured's vehicle. It offers competitive premiums, hassle-free claims settlement, and peace of mind to the policyholder. Opting for the policy is a smart financial decision that ensures necessary protection while driving on Indian roads.
Bajaj Allianz Third-Party Car Insurance offers several benefits:
Comprehensive protection for the policyholder against any possible legal and financial obligations that may arise from damages caused to a third party.
Ensures that you are protected from potential legal and financial liabilities that may arise from such incidents.
Affordable plans due to the designed insurance coverage and the nature of the requirement.
Any injuries that are caused or any accidental death due to any third party are covered in the third-party insurance plans by Bajaj Allianz.
It also offers coverage of any liabilities involving the insured car.
Bajaj Allianz Third Party Insurance goes beyond just financial coverages by offering you unparalleled protection against any liabilities arising from damages caused to a third party involving your car.
Inform your insurer about the relapsed insurance and you can get it renewed within 90 days of the expiry date.
A Third-party Car Insurance provides coverage for losses incurred by the third party due to the insured's vehicle.
Visit Bajaj Allianz to get a Car Insurance Quote and find out the best plan for you.
A cashless claim is better than reimbursement claims as you do not have to spend anything from your pocket. Your policy provider will pay for the damages and repairs and the process will be completely cashless for you.
You are eligible for a no-claim bonus when you have not claimed for your insurance in the preceding year.
Contact your insurance provider and share policy details. After confirming you are eligible for a No-Claim Bonus, they will make sure to provide it.
As per Indian Law, the owner can incur a fine of Rs. 2000 and can be imprisoned for up to three months.
If the owner fails to present car insurance, the court can charge an unlimited fine and seize the vehicle.
Yes. Even if the person granted a No-Claim Bonus changes their insurer, or if they buy a new vehicle, they can claim and transfer the Bonus they have received by far.
A third party insurance does not cover damages caused due to drunken driving. It also does not cover damages caused to your vehicle.