Bajaj General Two-Wheeler Insurance

Inclusions and Exclusions of Bajaj General Two-Wheeler Insurance 

Add-On Cover Available for Bajaj General Two-Wheeler Insurance 

You can get a wide range of add-on covers for extra protection of your vehicle. You can choose from the covers mentioned below that best suit your needs: 

• Consumables Cover: This covers the cost of consumables that are used during bike repairs.
• Engine Protect Cover: This covers engine repair or replacement due to water ingress, oil leakage, and any other similar damages.
• NCB Protect Cover: This provides you with the benefit of maintaining No Claim Bonus (NCB) even after you make a claim.
• Personal Accident Cover: It provides financial protection in case of accidental death or permanent disability.
• Return to Invoice Cover: This cover pays the original bill value of the bike in case of theft or total loss.
• Roadside Assistance Cover: It helps in providing emergency support such as towing, fuel delivery, and breakdown assistance.
•  Zero Depreciation Cover: This cover provides you with the full claim amount without the deduction of depreciation on bike parts.

Key Benefits of Bajaj General Two-Wheeler Insurance 

You will get so many benefits from Bajaj General for buying two-wheeler insurance. Some of the key benefits are given as follows: 

• Instant Policy Issuance: You can purchase or renew your bike insurance online within minutes. The policy document is issued digitally, and you will get it in is your email. 
• Cashless Repairs: There are more than 7,200 cashless garages in which you can repair your bike without paying upfront charges. The insurer settles the approved repair costs directly with the garage. 
• Theft & Total Loss Cover: You will get compensation if your bike is stolen or damaged beyond economical repair. The payout will be totally based on the bike's Insured Declared Value (IDV). 
• Add-On Covers: You will get the benefit of optional covers such as Zero Depreciation, Roadside Assistance, and Engine Protect. You can add any of these covers to your policy to increase the protection of your vehicle. 
• No Claim Bonus (NCB): You can get a discount on your renewal premium for every claim-free year. The discount increases over time and can go up to 50%. 

Vehicles Covered Under Bajaj General Two-Wheeler Insurance 

Here is the list of all the two-wheelers which are included under two-wheeler insurance: 

• Motorcycles 
• Scooters / Scooty 
• Mopeds 
• Electric Two-Wheelers 
• Hybrid Two-Wheelers 
• Luxury Bikes 

Steps to Buy Bajaj General Two-Wheeler Insurance Online 

The process of buying an insurance policy from Bajaj General Insurance is very simple and easy. Here are the steps given below: 

Step 1: Visit the official website of Bajaj General Insurance. 

Step 2: Under the tab ‘Products’, select the option ‘Bike /Two-Wheeler Insurance’. 

Step 3: Click on ‘Get Quote’. 

Step 4: Fill in your bike details and other details such as registration number, name, and contact number. 

Step 5: On the next page, compare and select the plan according to your needs. 

Step 6: Select between the third-party or comprehensive Bajaj bike insurance policy. 

Step 7: If you select a comprehensive policy, then you can customise your policy with add-ons.

Step 8: Complete the payment through your preferred method.

Step 9: After completing the payment, you will get a confirmation email or SMS of your purchased policy.

Step to Renew Bajaj General Two-Wheeler Insurance Online 

By following the simple steps given below, you can easily renew your two-wheeler insurance online: 

Step 1: Go to the official website of Bajaj General Insurance. 

Step 2: Under the ‘Renew’ option, select ‘Bike/Two-Wheeler Insurance Renewal’. 

Step 3: Click on the option ‘Bike Insurance Renewal’. 

Step 4: Fill in the details such as existing policy number, bike registration number, and captcha code. 

Step 5: Select the coverage option according to your requirements. 

Step 6: Make the payment after checking the policy terms and conditions. 

Step 7: You will get a confirmation email with the renewed policy details. 

How to Claim Bajaj General Two-Wheeler Insurance? 

In case your vehicle is met with a collision or an unexpected incident, then there are two ways through which you can claim your two-wheeler insurance. These are as follows: 

1. Cashless Claim Process 

• You must inform the insurance company and tell them basic details like where and when the incident happens. If needed, file an FIR. 
• A surveyor from the insurance company will check your vehicle to check how much damage there is. After completing the inspection, checking, your repair cost will be approved. 
• You need to take your vehicle to a network garage for repair. 
• After completing the repair, the garage sends the bill to the insurance company. You only need to pay the deductible and other small charges.  
• The insurance company pays the remaining amount directly to the garage. 

2. Reimbursement Claim 

• Visit any garage to repair your two-wheeler.  
• Pay for the repair on your own and collect the receipt.  
• Send all the required documents and a receipt to the company. 
• The company will verify all the details and provide you with the reimbursement in your registered bank account.  

Note: In case of theft or loss of the vehicle, you must inform the company through the toll-free number and file an FIR. If your vehicle is not found within 90 days, then the police should issue you a Non-Traceable Report, which you need to give to your insurer.

What Documents are Required to File a Bike Insurance Claim? 

Given below are the documents that you need to submit to file a bike insurance claim: 

•  Copy of insurance policy. 
•  Copy of driving license. 
•  Copy of bill from garage 
• Copy of FIR (in case of major accident or theft) 
•  Copy of your Bajaj two-wheeler registration certificate. 

How to a Transfer Bike Insurance Policy to Another Person? 

Transferring insurance policy is important in case of change in the ownership of two-wheeler. The steps for transferring insurance to a new owner are easy and simple: 

Step 1: Inform your insurance company as soon as the bike is sold or purchased. 

Step 2: Fill out the policy transfer forms with the correct details. 

Step 3: Submit all required documents, including ID proof, address proof, RC, and insurance policy copy. 

Step 4: Complete the ownership transfer process at the RTO by filling out RTO forms and submitting documents. 

Step 5: Pay the policy transfer fee, if applicable. 

Step 6: After verification, you will get the updated insurance policy in the name of the new owner.