Bajaj Allianz Motor Insurance

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.
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Policy Coverage

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Bajaj Allianz Motor Insurance Reviews

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  • Bajaj Allianz Car Insurance
    "Policy Coverage & Claim Experience"
    0.5 1.5/5 "Bad"
    I had taken a car insurance with Bajaj Allianz & find the claim experience (originals are requested to be in possession of surveyor via dealer) & policy coverage (surveyor said the damage to my car is probably due to rat/dog which is not covered), due to which i had to eventually pay from my own though i pay hefty auto-premium
    Was this review helpful? 0
    , chennai
    Reviewed on Dec 13, 2019
  • Bajaj Allianz
    Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    When i purchased the car in the showroom where they have provided a car insurance policy from Bajaj Allianz. I have renewed the policy for the second year also but I have no idea about the premium amount and its a zero depreciation policy. They have informed me about the no claim bonus details. I have not made any claim experience till now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 11, 2019
  • Bajaj Allianz Car Insurance
    "Many network garages in Bajaj Allianz"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance from Bajaj Allianz. They are providing a good no claim bonus and customer service is good so i have switched over from other company to Bajaj Allianz. For the car, i have paid the premium amount of Rs. 12200. Its a first party insurance.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 12, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I don't have any claim experience even the policy is good. There is no hassles till now. I have been paid the premium amount of Rs. 14000 and i have taken this policy long time back. There is no particular reason for choosing the Bajaj Allianz. Its a zero depreciation policy and they have provided me a coverage amount of Rs. 4.50 lakhs.
    Was this review helpful? 0
    , thane
    Reviewed on Nov 10, 2019
  • Bajaj Allianz Car Insurance
    "As of now good"
    0.5 4.0/5 "Great!"
    Till now, I have not required any services for claim with Bajaj Allianz. Personally, I don't have any experience with them when I went to the showroom, the executive recommended me Bajaj Allianz. The premium is more or less when I compared with others. Its a comprehensive plan and am satisfied with the benefits.
    Was this review helpful? 0
    , new delhi
    Reviewed on Oct 18, 2019
  • Bajaj Allianz Car Insurance
    "Customer friendly policy"
    0.5 4.0/5 "Great!"
    For Bajaj Allianz policy, i am using it for more than 7 years but no issues i come across. They are reminding me when the policy going to expire, so i have been continuing with the policy. When i buy the car, they had a tie up with Bajaj Allianz from that i'm using this. I pay the premium amount of Rs. 8000 which covers for zero depreciation.
    Was this review helpful? 0
    , kolkata
    Reviewed on Oct 18, 2019
  • Bajaj Allianz Car Insurance
    "Satisfactory"
    0.5 5.0/5 "Blown Away!"
    I did my car insurance with Bajaj Allianz because they have approached me and quoted the insurance price. They were very transparent on the things. The services are very quick and prompt. The policy coverage is one year. I took it first first party insurance for Maruti Alto car.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Aug 31, 2019
  • Bajaj Allianz Car Insurance
    "Good policy to take"
    0.5 5.0/5 "Blown Away!"
    First time i bought the car insurance policy in the petrol bunk after that every time at the expire date, they will give the reminder to make the premium. I pay the premium amount of Rs. 6000 for that they have given me a good coverage and i have not applied any claim so far.
    Was this review helpful? 0
    , kolkata
    Reviewed on Aug 17, 2019
  • Bajaj Allianz Car Insurance
    "Excellent"
    0.5 4.5/5 "Excellent!"
    I have a car insurance with Bajaj Allianz and my wife is working as an agent. The premium is affordable and moreover the claim process is easy. They are providing faster response than any other insurance provider. I have been with Bajaj for past 14 years.
    Was this review helpful? 0
    , chennai
    Reviewed on Aug 11, 2019
  • Bajaj Allianz Car Insurance
    "Need to improve technically"
    0.5 4.0/5 "Great!"
    Its Government based policy and goes smooth. Within 10 minutes, they will renew the policy. We need to approach their place for the renewal and they will send only notification prior to two months. I am paying the premium amount of Rs. 1200 since my bike old for 10 years.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Aug 04, 2019
  • Bajaj Allianz Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have a Car Insurance with Bajaj Allianz and got it through known person from this company. Its been 2 to 3 years and there was no claim experience. I got no claim bonus and have opted for comprehensive plan including zero dep, bumper to bumper, engine covered and RDI.
    Was this review helpful? 0
    , kanpur
    Reviewed on Aug 02, 2019
  • Bajaj Allianz Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    Bajaj Allianz has charged me a premium of 7K because the premium is reasonable. My vehicle is 2 years old. There was no claim experience. Its a comprehensive plan which includes zero dep and bumper to bumper. Am getting notifications from them.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 29, 2019
  • Bajaj Allianz Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with BAJAJ ALLIANZ GENERAL INSURANCE where i had no claim experience also the policy coverage is for comprehensive added on that the premium paid was nominal also the IDV value is good with the policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 22, 2019
  • Bajaj Allianz Car Insurance
    " ."
    0.5 3.5/5 "Pretty good"
    I got the car insurance through dealer with Bajaj Allianz. The claim process was good and they do settlements directly with the dealer. I did not face any troubles in getting the claims. It was a first party insurance and had Nissan. I was associated with this insurer for only 3 to 4months.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 20, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • Bajaj Allianz Car Insurance
    "Good experiece for a first time"
    0.5 4.5/5 "Excellent!"
    I have a car insurance with Bajaj Allianz and its been a year. My experience was good and had one claim, they have provided me 99% of cover and the process was easy. Even the customer service is good. I opted for whole covered third party insurance which includes bumper to bumper and RSA. The premium is higher so have been looking for the new insurer.
    Was this review helpful? 0
    , vadodara
    Reviewed on Jun 22, 2019
  • Bajaj Allianz Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the car insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE and using it since from last one year. I had no claim experience with this policy and also policy coverage with this policy is for basic with this policy.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jun 03, 2019
  • Bajaj Allianz Car Insurance
    "Excellent Service"
    0.5 4.5/5 "Excellent!"
    I have taken car Insurance through Bajaj Allianz which was taken directly through Online.The model of car is Maruti Suzuki Wagon R .This policy is for 1 year .The agent gave all the required information about the car insurance Need to renew the policy every year.The premium is nominal according to me .
    Was this review helpful? 0
    , vadodara
    Reviewed on May 25, 2019
  • Bajaj Allianz Car Insurance
    "Good Service"
    0.5 4.5/5 "Excellent!"
    I have taken card Insurance directly through agent ,it was 1year policy and each year need to renew ,The premium is paid online ,The premium was little high so far not gone for any claim.The model of the vehicle is 2012and the name of the vehicle is Skoda superb.I have received the policy documents on time .The service was good to me so far.
    Was this review helpful? 1
    , chennai
    Reviewed on May 13, 2019
  • Bajaj Allianz Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have purchased my Alto car from Varun Motors and they have tied up with Bajaj Allianz and which was a default insurance. The policy is valid for one year. Every year am renewing the policy from Bajaj Allianz, I have paid 10 or 11K to renew the policy. Its full covered which includes bumper to bumper, zero dep and RSA. I never faced any problems till now so no idea about their claim process.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 09, 2019
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