Comprehensive Policy Bajaj Allianz Motor Insurance

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Policy Wording

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Purchasing the vehicle of your dreams in today’s time has become way more affordable. What might take a toll on your pockets is its service, maintenance and dealing with any form of liabilities in case of damage. This is where the Bajaj Allianz Motor Insurance Comprehensive Policy comes into play, offering a wide range of coverage that addresses all such needs.

Investing in a robust motor insurance plan is a smart step that you can take today to safeguard yourself from future crises. While you have the option of purchasing standalone own damage and third-party liability insurance, a comprehensive insurance policy like the Bajaj Allianz Motor Insurance Comprehensive Policy comes with many advantages that you do not want to miss out on.

Highlights Bajaj Allianz Comprehensive Policy

Claim Settlement Ratio – 98.58%

NCB* - Available, up to 50%

Road Side Assistance – Available

Network Hospital – 7200+

Claim settlement in 20 minutes - Caringly Yours mobile app.

Wide coverage - Protection

Multiple add-ons - Customisation

Insurance for all kinds - Motor Vehicles

Get all your insurance related queries answered

Wish to Enhance Your Coverage? Take a look at the Riders Available

Care Advantage Health Insurance offers the option of various riders. You may purchase these add-ons to extend the coverage of the policy. The various riders available are:

Particulars	Details
Policy Name	Bajaj Allianz Motor Insurance Comprehensive Policy
Care Shield	Get three benefits: Claim shield (covers expenses for 68 non-payable items) No claim bonus shield (no claim bonus remains intact if the total claim amount in a policy year is less than 25% of the sum insured) Inflation shield (cumulative increase in base coverage upon each renewal).
Room rent modification	Get the privacy and freedom of a single private room
Air Ambulance Cover	Get air ambulance expenses if air travel is required medically
Smart Select	15% discount on premium
Protect Plus	Treatment expenses cover outside India
Annual Health Check-Ups	Free annual health check-ups are booked through the mobile application of Care Health Insurance.
Reduction in waiting period	Reduction in the PED waiting period to 24 months
Care OPD	4 physician consultations (₹500 each) 4 specialised consultations (₹500 each)

Pros & Cons of Bajaj Allianz Comprehensive Policy

You can avail facility of cashless repair services across 4500+ network garages under the comprehensive pla

With 98% CSR, Bajaj Allianz vehicle insurance is one of the best claim settlement ratios in the industry

The plan offers easy and quick claim processing in the digital mode within 20 minutes of raising a claim

Provides highest level of protection and maximum amount of coverage

The insured can avail add- on riders to enhance the existing coverage

The plan does not cover any damage or injury to the vehicle when the policy is inactive or it has lapsed

The plan doesn’t cover expenses if the vehicle damages took place when the vehicle owner was driving without a valid license

The policy also excludes any drunk and drive incidents wherein the vehicle is damaged when the policyholder drives under the influence of alcohol

If the damage to your vehicle is caused due to your negligence, it might not be covered by the plan

Normal wear and tear as well as damages caused by war or war like situation are also not covered under the plan

Quick Answers to all Motor Insurance Questions

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Bajaj Allianz
Insurance Company

Bajaj Allianz General Insurance Company Limited was formed as a joint venture between two leading insurer in the world Allianz SE and Bajaj Finserv Limited. Registered in May 2001, the company started with the various insurance businesses and has now become a robust insurance provider in the Indian industry Bajaj Allianz General Insurance is amongst the largest private insurance company in the insurance sector catering to the insurance needs of individuals as well as corporates. The company offers a wide range of insurance products and services that go beyond insurance. Its products include health insurance, car insurance, two-wheeler insurance, home insurance, travel insurance, commercial insurance, and cyber safe insurance.

Founded in

2001

Claim Incurred ratio

72.88%

Number of Policies

2,635,587

Turnover (GWP)

Rs. 20,630 Crore

JV Partners

Allianz SE & Bajaj Finserv Limited

Claims Experience

Claims Experience Rating 4.7

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

98.58%

Network Garages

7200+

Benefits of Bajaj Allianz Comprehensive Policy

Key Benefits
Own Damage Cover	Available
Convenience	Easy repairs
Other Benefits
Network Garage	Wide network available
Claim Settlement	Quick and hassle-free
Add-on cover	Add-on benefits available

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Ask Anything as We Have Answers to Everything in Insurance

Yes, both are totally different plans. In fact, a comprehensive policy is an insurance plan, whereas zero depreciation is an add-on cover.

Buying a comprehensive plan for an old car would depend on the exact age of the car as well as how much the vehicle has been used etc. Also, you must consider how long you are planning to use the car, before opting for a comprehensive vehicle insurance plan.

The day you buy a new bike/car, you should consider investing in a comprehensive car insurance policy.

Yes, comprehensive plans are expensive as compared to third-party insurance policies. But the benefits offered under such plans are all-inclusive and extensive.

Yes, you can buy a Bajaj Allianz comprehensive vehicle insurance plan online.

T&C

NCB* - The insured is entitled for a No Claim Bonus (NCB) of up to 50% on Own Damage, if no claim is made or is pending during the preceding year(s)
Network garage# - Bajaj Allianz offers hassle free claim settlement in 4500+ garages pan India

(For detailed information, please refer to Policy Wording)