Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Bajaj Allianz Motor Insurance

     4.5 / 5.0   by 274 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. Both these companies are reputed for their stability and expertise in the financial domain. Bajaj Allianz is one of the most robust insurance companies in India, maintaining commendable growth and profitability. The insurer also offers a bouquet of insurance solutions for the protection of its vast customer base. The insurance products offered by the company are in the domains of health, motor, travel, commercial, and home insurance.

    Why Should You Buy Motor Insurance From Bajaj Allianz?

    The advantages of buying motor insurance from Bajaj Allianz are many. These include the following:

    • The insurer offers instant issuance of policy and easy renewal in a few simple steps.
    • It is possible to transfer the accrued No Claim Bonus (NCB) in the range of 20% to 50% from another insurance company to Bajaj Allianz.
    • The 24x7 call-centres of the insurer offer SMS updates and instant claim assistance for motor insurance claims.
    • The insurer offers 24x7 telephonic service for the resolution of all queries.
    • The motor vehicle survey process is easy and hassle-free.
    • DriveSmart service - The insurer provides a vehicle tracking device with certain car insurance plans that monitors the usage of the car. This makes use of the telematics technology in car insurance.
    • The insurance company offers the facility of online purchase for its motor insurance plan.

    Types Of Motor Insurance From Bajaj Allianz

    Bajaj Allianz provides the following types of motor insurance plans for its customers:

    • Car insurance - This plan offers protection to the insured car for loss or damage due to natural calamities and man-made disasters, personal accident cover for the owner-driver, and third-party liability insurance. The coverage under this plan can be amplified by using appropriate add-on covers. This policy can be enhanced with the DriveSmart technology that is unique to Bajaj Allianz.
    • Two-wheeler insurance - This insurance plan protects two-wheelers from natural and man-made calamities. The policyholder is also protected from third-party liability claims. The insurer offers the choice of opting for a policy with coverage period of 1 year or 3 years, based on the requirement of the customer.
    • Liability-only motor insurance - This motor insurance plan offers cover for legal liability to a third party for accidental injuries, death, and property damage. The policy is offered to commercial and private vehicles. Personal accident cover for the owner-driver is included under the coverage.
    • Commercial vehicle insurance - The insurer offers liability-only and comprehensive insurance policies for commercial vehicles. The liability only-plan is the minimum level of insurance required to ply on Indian roads. The comprehensive plan offers coverage for own-damage and third-party liability for commercial vehicles.

    Bajaj Allianz Third-Party Liability Insurance - Inclusions

    The third-party liability motor insurance plan from Bajaj Allianz covers the insured for legal liability towards a third party for accidental injuries, death, or property damage. The insurance offers personal accident cover to the owner-driver as well.

    The insurer also offers liability-only plans for commercial vehicles such as private and public carriers, passenger vehicles, special vehicles, etc.

    Bajaj Allianz Comprehensive Motor Insurance - Inclusions

    The Bajaj Allianz comprehensive motor insurance policy offers the following coverage to the policyholder:

    • Losses or damages to the vehicle due to natural calamities such as explosion, fire, earthquakes, lightning, and the like.
    • Losses or damages to the vehicle from man-made disasters such as malicious activity, thefts, riots, etc.
    • Personal accident cover to the owner-driver.
    • Third-party liability insurance coverage.

    Bajaj Allianz Motor Insurance - Exclusions

    The Bajaj Allianz motor insurance plan does not include coverage for the following incidents:

    • Wear and tear of the insured vehicle with age
    • Consequential losses
    • Depreciation of parts
    • Electrical and mechanical breakdown
    • Consumables
    • Vehicle being used beyond limitations
    • Driving without a valid license
    • Driving while influenced by drugs/liquor
    • Nuclear events, war, and mutiny

    Bajaj Allianz Motor Insurance FAQs:

    1. What discounts can I receive for buying a Bajaj Allianz motor insurance policy?
    2. Bajaj Allianz offers several discounts to customers of motor insurance. The most significant bonus offered is the No Claim Bonus that can amount to a reduction in premium at the time of renewal. The insurer also offers discounts for online policy purchase. Members of automobile associations can get premium discounts as well.

      Apart from this, if your vehicle is installed with security devices, you are liable to receive a premium discount.

    3. Can I get direct claim settlement facility under Bajaj Allianz motor insurance?
    4. Yes, cashless claim facility is offered at 4,000 network garages affiliated to the insurance company. If the cashless facility is not available at at a chosen garage, then 75% on account payment is provided.

    5. Does the insurer offer roadside assistance cover?
    6. Yes, you can avail 24x7 roadside assistance facility under the motor insurance policy from Bajaj Allianz. If the vehicle is involved in an accident or breaks down, towing assistance is also provided.

    7. What are the add-on covers offered by Bajaj Allianz for motor insurance?
    8. The following add-on covers are offered by the company:

      • 24x7 spot assistance
      • Lock and key replacement cover
      • Personal baggage cover
      • Conveyance benefit
      • Accident shield
      • Consumables cover
    9. What are the benefits of the DriveSmart technology?
    10. Opting for the DriveSmart service with the Bajaj Allianz motor insurance policy has several advantages:

      • It allows you to monitor the condition of your vehicle, specifically its battery and engine.
      • It helps in tracking your vehicle. You can also share the location of your car with family and friends.
      • The device tracks driving patterns and provides you a summary of the distance travelled in a day, braking pattern, highest speed for the day, longest trip, etc.
      • The facility enables you to configure custom trips and locate it on a map. This can be shared on social media as well.
      • The device alerts you for over-speeding, low battery, expiry of driving license, etc.
      • You can receive expert guidance from the company through the DriveSmart Telematics Device.

    Bajaj Allianz Motor Insurance Reviews

  • Page 1 of 14 1 2 3 4 5
    • Bajaj Allianz Car Insurance
      "Superb Policy"
      0.5 5.0/5 "Blown Away!"
      I selected Bajaj Allianz for my car. I chosen the company because of the lower premium rates. They have sent all my documents to my residential address. They do have regular follow up with the customer regarding the car insurance. I never had any issues with this policy. I pay the premium amount of Rs. 6300 and i have not availed the bumper to bumper facility. They have provided me the no claim bonus upto 50%.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance policy with Bajaj Allianz and i have taken this policy for 2 years. A premium of Rs 17000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , nellore
      Reviewed on Oct 31, 2018
    • Bajaj Allianz Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got Car insurance from Bajaj allianz through As The premium amount is nominal one am satisfied with it , as it has low premium amount with cashless garages comprehensive cover with bumper to bumper coverage .Customer service and response is good . I pay it annually through online banking
      Was this review helpful? 1
      , vadodara
      Reviewed on Oct 17, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I am having a car insurance with Bajaj Allianz from last 5-6 years, i pay a premium of more than Rs 9000. I had claimed 2 times with this insurance policy. There was no cashless garage facility provided. They covered 80% and i am happy with the coverage value.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 11, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with Bajaj Allianz from last 4 years and it is a good policy to use. I pay a premium of Rs 14000 for this insurance policy. I also get no claim bonus and it is 0% depreciation, it has a full coverage and there was no claim experience so far.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 02, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with Bajaj Allianz from last 3 years, they charge Rs 1000 as processing charges. It has a full coverage and i pay a premium of Rs 12000 for this insurance policy. My claim experience was good with this insurance and it is 0% depreciation.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 01, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy from the Bajaj Allainz . I am paying a premium of 18000 per year. I have claimed this policy once and the claim experience was really good. It has been a good experience with the policy and their services.
      Was this review helpful? 2
      , thane
      Reviewed on Sep 26, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allianz general Insurance. I am paying a premium of 8000 rupees per year. So far there hasn't been any claim experience with the policy. I haven't faced any issues with their services.
      Was this review helpful? 2
      , thane
      Reviewed on Sep 26, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My car is insured with Bajaj Allianz from last 10 years and it is a good policy to use. I pay a premium of Rs 5000 for this insurance policy. I have claimed this insurance 4 years back and they covered 80% and i am happy with the coverage value of this insurance policy.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 06, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      My car is insured with Bajaj Allianz from last 1 year and it is a good policy to use. I am not aware of the premium amount of this insurance policy. My claim experience was good with this policy and they covered bumper to bumper damage, There was no cashless garage option.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Aug 30, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Bajaj Allainz Car insurance policy for a while now. I have a paid a premium of 15000 per year, the premium will be lowered after 1 year. They also offered a fair IDV value for my car. I've claimed this policy once and the whole claim process was easy and hassle free.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insurance with Bajaj Allianz from last 6 months, a premium of Rs 12500 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy. They cover bumper to bumper damage and i am satisfied with it.
      Was this review helpful? 2
      , kolkata
      Reviewed on Jul 13, 2018
    • Bajaj Allianz Car Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      My car is insured with the Bajaj Allianz. I am paying a premium of 6000 year, I do not have any claim experience. It provides road side assistance and cashless facility in selected garages. Overall it has been a hassle free experience with the car insurance policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with the Bajaj Allainz. I am paying a premium of 16500 per year for Zero depreciation. I do not have any claim experience with the policy still considering the plan coverage and policy benefits it has been a good experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Bajaj Allianz Car Insurance
      "Good Policy"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance with Bajaj allianz for 1 year and it is one of the good policy to use. I am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance. I pay a premium of Rs 8000 for this car insurance and they cover bumper to bumper.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 28, 2018
    • Bajaj Allianz Car Insurance
      "BETTER BUT NOT BEST"
      0.5 5.0/5 "Blown Away!"
      I am holding since 2 years. It is a paperless approval. The premium is 12k and it is best one that i am getting the premium. They gave the 0 dep. The premium is low and the IDV value is high. I had a claim experience with my car insurance which is a good.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jun 23, 2018
    • Bajaj Allianz Car Insurance
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      My car is insured with the Bajaj Allianz Car insurance. I pay a premium of 5000 Per year. I don't have claim experience. My agent collects the premium in the form of cheque.Overall ti has been a good experience so far with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 22, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with Bajaj Allianz from last 5 years and it is a good insurance policy to use. My claim experience was good with this insurance and there was a complete coverage. A premium of Rs 7000 has to be renewed every year for this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 30, 2018
    • Bajaj Allianz Car Insurance
      "BAJAJ ALLIANZ car insurance"
      0.5 4.0/5 "Great!"
      From BAJAJ ALLIANZ GENERAL INSURANCE i have taken a car insurance and the premium is 13000. The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passenger.No claim experience with the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 29, 2018
    • Bajaj Allianz Car Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      From BAJAJ ALLIANZ GENERAL INSURANCE i have taken a car insurance The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passenger.No claim experience with the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 29, 2018
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