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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Cashless Garages

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Bajaj Allianz Motor Insurance Reviews

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  • 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
    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
  • Bajaj Allianz Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    The car insurance policy has been taken with the BAJAJ ALLIANZ GENERAL INSURANCE where i had no claim also the policy has the good premium with the satisfactory IDV value added on that i had no claim experience with this policy with this insurance policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 08, 2019
  • Bajaj Allianz Car Insurance
    "GOOD"
    0.5 4.5/5 "Excellent!"
    I have been using the car insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE and using it since from last few years and i had no claim experience. They have given the full coverage along with that the road side assistance also there with this policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Apr 17, 2019
  • Bajaj Allianz Car Insurance
    "Its reliable"
    0.5 4.0/5 "Great!"
    I do prefer Bajaj Allianz, its good. In fact for my Toyota car I purchased policy from them. The premium is good, I paid around Rs. 28,000 for per annum cover. It has the comprehensive benefits and the premium is very huge depend upon the manufacture year. Bajaj Allianz is good but I never claimed it. I believe the insurer is because of brand name and reputation.
    Was this review helpful? 1
    , mumbai
    Reviewed on Apr 02, 2019
  • Bajaj Allianz Car Insurance
    "One of the best insurance provider with lot of options "
    0.5 4.5/5 "Excellent!"
    I insured my HONDA vehicle 2018 model in bajaj insurance .It is really having flexibility insurance .It is third party cover with a good IDV .Till now i had not gone for any claim . It is comprehensive plan with affordable premium .One of the best insurance provider with lot of options
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 09, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I had taken this insurance policy a pretty long time back and i had been paying the premium amount of 13,000 annually. The insurance covers bumper to bumper and there has not been any claims made so far and there has not been any hassle faced with the services of them.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Mar 07, 2019
  • Bajaj Allianz Car Insurance
    "Smart Protection"
    0.5 5.0/5 "Blown Away!"
    The car insurance premium is very economical, my brother take care of it, I have honda car it has good insured value quoted by Bajaj Alliance. I done the renewal with local centers it should enhance their tie up. Remaining all satisfied with them.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 06, 2019
  • Bajaj Allianz Car Insurance
    "Excellent Policy"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and the premium with this policy has been paying on an annual basis. There has not been any claim experience with them so far and the premium amount has not been too high. The payment method has been simple and the policy coverage has also been quite good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 02, 2019
  • Bajaj Allianz Car Insurance
    "Services are very nice"
    0.5 4.0/5 "Great!"
    My car insurance was purchased from Bajaj Allianz. Bajaj is a good company for car insurance. They are providing a 24 hours customer care service facility and i have done the claim with the cashless facility. On a year and year, they are charging the higher premium amount if i want a higher IDV value. Within two hours, they have sanctioned the claim and upto 5 years its a zero depreciation policy.
    Was this review helpful? 0
    , vadodara
    Reviewed on Feb 25, 2019
  • Bajaj Allianz Car Insurance
    "Good benefits"
    0.5 4.5/5 "Excellent!"
    I have purchased the car insurance in Bajaj Allianz. The premium and benefits are satisfactory and have done a comparison with 4 to 5 companies and decided to go with Bajaj Allianz. The customer service was very good. The policy period is one year. It is a bumper to bumper plan.
    Was this review helpful? 0
    , bangalore
    Reviewed on Feb 23, 2019
  • Bajaj Allianz Car Insurance
    "I have bought my two wheeler insurance policy from Bajaj All"
    0.5 5.0/5 "Blown Away!"
    There is no reason for choosing the car insurance from Bajaj Insurance. Till now i' have not claimed anything from them. Around 3 years I've renewing the policy with the same company. I'm not sure about the premium amount i paid. I never spoke with the customer care service so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 19, 2019
  • Bajaj Allianz Car Insurance
    "Its Good but they need to provide less claim settlement"
    0.5 5.0/5 "Blown Away!"
    Bajaj Allianz cost of the car policy is reasonable, last year I paid the amount of Rs. 9000, now I need to pay Rs. 10,000 it has the benefits of zero dep and two times I have claimed it, first time my front mirror got damaged then second time back bumper got damaged. Only I paid the fine of Rs. 1000. Remaining they have taken care but claim settlement value is less, it should be 100%.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 11, 2019
  • Bajaj Allianz Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    The claim process was good, the response is very good with Bajaj Allianz . My car got damaged in the first portion they done some painting, then I paid the nominal charges of Rs. 1000, remaining the insurer took care. I have VOLKSWAGEN AMEO, the premium amount was Rs.15,000 for one year. Its a normal third party insurance for my car.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Feb 07, 2019
  • Bajaj Allianz Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I am having my car insurance in Bajaj Allianz because the premium is less compared to others. Also they have given good IDV value. The policy period is one year. The customer service was better. I don't have any claim experience. It is a third party comprehensive plan.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Feb 04, 2019
  • Bajaj Allianz Car Insurance
    "Economical Policy"
    0.5 5.0/5 "Blown Away!"
    I have renewed the car insurance policy from Bajaj Allianz and because of the good offers, i have selected them. I just bought the policy through online. This is a 100% covered zero depreciation policy. I have paid the premium amount of Rs. 6200. I have received a no claim bonus and road side assistance facility.
    Was this review helpful? 1
    , chandigarh
    Reviewed on Feb 02, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I had taken this insurance policy a while back and the premium amount has been quite good and not too high. The payment method has been easy and there has not been any sort of charges, and the policy covers bumper to bumper. Their customer support has also been responsive and was helpful as well.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Car Insurance
    "Good to Go with Bajaj"
    0.5 4.0/5 "Great!"
    The conditions and the insured which they are providing is good, I have insured Ford Car with Bajaj Allianz, the premium amount is reasonable but they can reduce it. Its 1.5 year old year but still the insurer providing 24 hours service, cash less garages and they have tie up with many centers, the response is great.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
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