The aim to purchase a car insurance policy is to be able to bank on its coverage on a day of an emergency. It makes little sense for the claim process of this coverage to be a hassle. Hence, considering an insurer’s claim settlement process matters greatly when you’re choosing the right car insurance.
Bajaj Allianz General Insurance is known to offer value-added services to their consumers, which includes a hassle-free, time-efficient, and seamless claim settlement process. You can claim coverage in the form of cashless services and reimbursements.
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 Allianz 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 Allianz General Insurance Co.
A cashless claim for Bajaj Allianz 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.
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
Step 1: Start by calling Bajaj Allianz 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 Allianz car insurance claim for accidental damages.
A complete claim form with your signature
Insurance policy proof/a copy of the covernote
Registration book copy
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 Allianz car insurance reimbursement claims consist of three phases for accidental damage and theft. Here’s how the process works.
Step 1: Visit Bajaj Allianz 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.
Step 1: Call 1800-209-5858 to contact Bajaj Allianz 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 Allianz car insurance reimbursement claims.
Tax receipt or registration book copy
FIR (In case of third-party demise, damage or injuries)
Repair estimates in the form of invoices or bills
Self-attested claim form
Tax payment receipt
Details of previous insurance
Keys/warranty cards/service booklet
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 Allianz car insurance.
Man-made disaster damages
Natural calamity damages
Loss due to theft
Given below are all the reasons why your Bajaj Allianz 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 Allianz 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 Allianz third-party car insurance. You can get no-claim bonuses only for Bajaj Allianz comprehensive or standalone own-damage car insurance.
You can claim Bajaj Allianz car insurance as many times as you’d like to during a policy period. However, you cannot continue to make claims once the coverage is exhausted.
The CSR of Bajaj Allianz General Insurance Co. is 98%.
No claim charges are involved in the settlement process.
It is wise to make a claim as soon as possible. You could face hurdles on the way to claim settlement the longer you wait.
In case of third-party demise, damage or injuries, and theft, you are required to produce an FIR for claims.
Through Bajaj Allianz car insurance, you can claim personal accident coverage, third-party coverage and own-damage coverage. All these could be offered to you under the umbrella of Bajaj Allianz comprehensive car insurance.