Bajaj General Car Insurance Claim Settlement

Cashless claims save you from taking any money out of your own pocket. Once you inform your insurer about your intention to make a claim, the damage caused to your vehicle and the cause of it, the claim process is jump started immediately. After this, you can proceed to take your car to a network garage for fixing, repairs and replacements.

Through this claim option, you don’t need to pay repair and replacement bills. Your Bajaj General car insurance will pay those bills directly for you. With a 98.54% claim settlement ratio, you can rest assured, knowing that your financial protection is in the hands of Bajaj General Insurance Co.

A cashless claim for Bajaj General car insurance has three phases: claim registration, vehicle repairs, and survey with claim settlement. Here’s how you can smoothly cruise through each of these phases. The steps given below guide you through claims for accidental damage.

1. Online Claims:

• Step 1: Go to https://www.bajajallianz.com/general-insurance-claims/motor-claim/motor-claim-register.html

• Step 2: Submit important details such as your contact information, engine & chassis number, kilometre reading, etc.

• Step 3: Explain in detail of the accident, including the date, time and location

• Step 4: Provide a vehicle inspection address

• Step 5: Note down the claim reference number and keep track of the claim status sent to you via SMS

• Step 6: Transport your vehicle to a network garage for repairs after the claim is approved

• Step 7: Sit back and allow the insurer to settle repair costs with the network garage

2. Offline Claims:

• Step 1: Start by calling Bajaj General car insurance customer care on 1800-209-5858

• Step 2: Explain your intention to claim and that the claim is for accidental damage

• Step 3: Submit all documents to the insurer at a Bajaj Allianz branch as per the instructions given

• Step 4: Keep an eye on the claim status sent to you through SMS

• Step 5: Take your car to a network garage for repairs and submit your policy documents there

• Step 6: Allow the insurer and the network garage to internally settle the repair costs

Here are all the documents you will need to successfully carry out a Bajaj General car insurance claim for accidental damages. 

• A complete claim form with your signature

• Insurance policy proof/a copy of the covernote

• Registration book copy

• Tax receipt

• Driving licence copy

• FIR or police panchnama (for third-party liability damage, fatality or injuries, and theft)

A reimbursement claim refers to the insurer indemnifying the costs you had to bear to get your damaged car repaired. A reimbursement also consists of compensation coverage that can be claimed in the event of your four-wheeler vehicle getting stolen.

You can send your insurer an invoice or bills that quote the price of the repairs and replacements done. Your claim will be processed thereon and the amount will be reimbursed. However, this can only be processed up to the maximum coverage amount.

Much like cashless claims, Bajaj General car insurance reimbursement claims consist of three phases for accidental damage and theft. Here’s how the process works.

Online Claims:

• Step 1: Visit Bajaj General car insurance’s claim settlement portal

• Step 2: Enter your contact number 

• Step 3: Enter basic details of your car like its chassis number, kilometre reading, etc. 

• Step 4: Give details of the accident such as the location, time, and date

• Step 5: Keep tabs on the claim status sent to you through SMS

• Step 6: Tow your vehicle to a preferred garage for repairs

• Step 7: Pay the costs of the repairs and replacements

• Step 8: Submit the invoices and/or bills to the insurer

After this, your repair and replacement costs should be reimbursed shortly.

Offline Claims:

• Step 1: Call 1800-209-5858 to contact Bajaj General Insurance Co.

• Step 2: Inform them about the incident and that you’d like to make a claim through your insurance

• Step 3: Provide all required documents at a branch as discussed by you and the customer care executive

• Step 4: Take you car for repairs as soon as your claim is approved

• Step 5: Collect all bills and invoices that record the costs you incurred for the repairs

• Step 6: Submit those bills as proof to your insurer in person
   

The amount should be reimbursed to you soon. However, in case of theft, the process varies a little. Once you have contacted the insurer and explained the incident of theft, you must produce an FIR or police panchnama as proof.

If your vehicle isn’t found even after 90 days, request the police to provide you with a Non-traceable Report. Submit this report to the insurer and allow them to handle the rest.

Here are the documents you require for Bajaj General car insurance reimbursement claims.

Accidental Damages:

• Tax receipt or registration book copy

• Insurance papers

• Driver’s licence

• FIR (In case of third-party demise, damage or injuries)

• Repair estimates in the form of invoices or bills

Theft:

• Self-attested claim form

• Policy documents

• Tax payment receipt

• Details of previous insurance

• Keys/warranty cards/service booklet

• FIR

• Final investigation report

• An RTO letter that labels your car as ‘Non-use’

• Forms 28, 29 and 30

• Your and your insurer’s consent to agreed claim settlement value

• Vakalatnama (undated and blank)

Here are the situations under which you can claim the coverage and benefits of Bajaj General car insurance. 

• Third-party damage

• Accidental damage

• Man-made disaster damages

• Natural calamity damages

• Transit damages

• Fire/explosion damages

• Loss due to theft

Given below are all the reasons why your Bajaj General car insurance claim request could be rejected.

• Submitting inaccurate/invalid documents

• Submitting insufficient information

• Claims for damages that occurred prior to policy activation

• Claiming exclusions of the policy

• Claims with malign intent to carry out illegal activities or fraud

• Claims made through a lapsed policy

A no-claim bonus is a benefit you can receive for an extended period of no claims. To elaborate, if you make no claims for a long period of time, you can get the no-claim bonus through Bajaj General car insurance. 

This bonus could culminate to the point of giving you up to 50% discount on upcoming renewal premiums. At the time of renewal, if you’d like to switch insurers, you can transfer this no-claim bonus to your new car insurance plan. 

However, it is important to understand that no-claim bonuses are applicable to Bajaj General third-party car insurance. You can get no-claim bonuses only for Bajaj General comprehensive or standalone own-damage car insurance.