Bajaj Allianz Car Insurance Policy Review

Bajaj Allianz Car Insurance Policy is a widespread motor insurance plan. This policy is aimed to protect against any kind of physical damage, third party liabilities and other bodily injury / death. It is trusted by millions of car owners to protect their expensive vehicles against physical damage to their car, personal assistance cover as well as third-party liability. You can also purchase this car Insurance policy online.

The insurance policy of your car is the most important document in your vehicle as it will protect you against the financial loss and legal issues if any. But choosing the right insurance policy from the loads of available policies can be challenging. So it is better to with some well-known & reputed company to insure your vehicle and bring peace of mind. Bajaj Allianz is servicing their customers with advanced & fast claims settlement capability for the vehicles insured with them.

Key Features of Bajaj Allianz Car Insurance Policy

  1. It has easy procedure to get your Car Insurance or Car Insurance Renewal.
  2. Get trouble-free inspection and repairs with Cashless claim fascility for accidental damages from over 1500 preferred garages.
  3. Bajaj Allianz provides 24*7 Spot Assistance. They also provide SMS updates and telephone service for claims support and other assistance including holidays to the Policy holders.
  4. For Periodical Maintenance jobs, you will get 30% discount on labour charges, 5% discount on parts (Maruti vehicles) along with Free pick up & drop.
  1. You may transfer up to 50% of your existing No Claim Bonus from your existing insurance provider.
  2. In case, cashless facility is not available, you can receive 75% on account payment.
  3. Towing Facility is available in case of breakdown/accident.
  4. Lock and key replacement cover for new and other company customers.
  5. 0% interest EMI option available on payment through Citibank Credit Card.

Documents Required to buy a Bajaj Allianz Car Insurance Policy

You will need below documents to receive the high service standards of Bajaj Allianz’s motor insurance.

  • Registration no
  • Engine no
  • Chassis no
  • Previous policy number if you are holding any
  • Month and year of vehicle manufacture
  • Date and city of purchase
  • Your address
  • Phone no and email id
  • Your RC copy

Factors covered under Bajaj Allianz Car Insurance Policy

1. Natural disasters: Any loss or damage to your car caused by natural calamities like Earthquake, flood, Fire, explosion, self-ignition or lightning, typhoon, hurricane, storm, Thunder storm, cyclone, frost, landslide and rock slide.

2. Man made activities: Any loss or damage to your car caused by man made activities like Theft, revolution, strike, nasty act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.

3. Personal accident cover: Coverage of Rs. 2 lakh for the individual owner/driver of the car while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for co-passengers available.

4. Third party legal liability: Any accidental damage caused to the third person or surrounding properties due to accident resulting in death, permanent disability or temporary disability.

Factors not covered under Bajaj Allianz Car Insurance Policy

  • Damage by a person driving without valid licence.
  • Damage due to improper usage.
  • Damage to/ by a person driving the vehicle under the influence of drugs or liquor.
  • Loss or damage which is not intimated in time. Maximum within 72 hours of loss.
  • Loss or damage in case the vehicle is not registered permanently.
  • Loss or damage caused due to mechanical and electrical breakdown, including manufacturing defect.
  • Loss due to depreciation on parts made of plastic / nylon / rubber etc – 50%, Fiberglass components –  30%, Parts made of glass – Nil. The rate of depreciation for all other parts will be as per the age of vehicles.
  • Minor scratches, fading, wear and tear or minor repair under routine maintenance.
  • Loss or damage due to war or nuclear risk.

Overall Bajaj Allianz Car Insurance Policy seems to be a good insurance plan for your pricey vehicle. Share your experience below in case you are using this car insurance policy from them.

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  1. Hey good one thanks for sharing. I have been using Bajaj Alianz got a new Skoda rapid which they charged 36k on new vehicle later renewed for 26500 next year and third year quoted 24500 which I got it in 20k all same benefits with Future Genrali. Lombard and Bajaj Alianz is costly but quick to buy online.

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