Types of Car Insurance Available
For a Bajaj Allianz car policy renewal or purchase online, there are two types of insurance policies available:
Third-Party Car Insurance
Third-party car insurance financially secures you in case of any third-party liabilities that may occur on the road. Right from damage to third party property and bodily injuries to the death of the victim, your insurance plan shall compensate for such losses. But when it comes to third-party cover, there is no way of opting out of it as it’s mandated by law under the Motor Vehicles Act, 1988.
Comprehensive Car Insurance
You can already guess by the name that comprehensive car insurance offers extensive coverage to your vehicle when compared to third-party insurance. Be it theft, man-made disasters or accidental damage, Bajaj Allianz car insurance has got your back! Moreover, you can cover third-party liabilities while financially securing your own vehicle in case of damage with such a policy.
Add-on Covers of Bajaj Allianz Car Insurance
You can opt for some lucrative add-on covers while buying or renewing your Bajaj Allianz car insurance. Some examples are:
Lock & key replacement cover
Personal baggage cover
Zero depreciation cover
Conveyance benefit cover
Inclusions Under Bajaj Allianz Car Insurance
Loss or Damage Resulting from Calamities
We often suffer losses due to natural calamities or man-made disasters. However, with Bajaj Allianz car insurance, your vehicle will now be protected against such perils without a doubt!
Mishaps on the road are common but worry not! Your insurance provider shall offer compensation to the third party for any damage or loss incurred.
Theft or Total Loss
Damage beyond repair or theft of your vehicle can be quite heart-breaking. Though an insurance plan cannot bring back your car, it certainly compensates for the loss. So, be it theft or total loss incurred by your vehicle, your insurer has got your back.
Personal Accident Cover
Any accidental injuries resulting from a mishap on the road is covered under your Bajaj Allianz car insurance plan!
And what about the damages incurred by your car? Well, that’s covered, too! So, go ahead and opt for the Bajaj Allianz car insurance policy renewal today!
Exclusions Under Bajaj Allianz Car Insurance
Here are some key aspects that aren’t covered under the Bajaj Allianz car insurance plan:
Natural wear and tear or ageing of vehicle
Loss incurred while driving the car under the influence of alcohol or drugs
Any damage incurred while driving without a valid driving licence
Electrical or mechanical breakdown
Driving your vehicle outside the specified geographical location
How to File a Claim Under Bajaj Allianz Car Insurance?
With the following steps, you can raise a Bajaj Allianz car insurance claim with ease:
Step 1: In case of an accident, you should immediately contact your insurer and take the vehicle to a garage to inspect the damage caused.
Step 2: In case of theft of your vehicle, it is advised to file an FIR at the nearest police station at the earliest and intimate your insurer.
Step 3: Contact your insurance provider and register a claim by providing the relevant details about the mishap and sharing your policy number.
Step 4: Once your claim has been registered, you will be given a Claim Reference Number that can be used to track the status of your insurance claim.