Wearing protective gear such as helmets is essential while riding bikes. Your headgear can save you from potential head injuries that can lead to death. As such, helmets must be properly maintained and taken care of. A helmet insurance policy can be handy when it comes to replacing a damaged helmet. 

Purchase the plan from the Bajaj Markets platform and enjoy a host of benefits for a nominal yearly fee of ₹199 per year. Read on to learn about such insurance policies in detail.

Key Features and Benefits of Helmet Insurance

Here are some of the crucial features of a bike helmet insurance cover:

High coverage of up to ₹10,000

You can receive coverage of up to ₹10,000 for a premium of only ₹199 per annum, ensuring value for money.

Coverage for accident

Get coverage for necessary repair and replacement costs, provided the helmet was with the insured individual during the time of damage.

How to Apply for Helmet Insurance?

The application process for helmet insurance involves a few simple steps, which are as mentioned below:

Select “Buy Now”

Click on the ‘Buy Now’ option.

Fill up Necessary Details

Enter the necessary details required in the application form.

Make an Online Payment

After completing the application process, you can make the payment online.

You will get all your membership and policy details on the registered email ID.

What’s Covered?

To know what is included in a helmet insurance policy, have a look at the following pointers:

  • Fire outbreak and perils

You can avail coverage if your helmet is damaged due to an explosion or implosion, natural calamities, riots, fire, earthquakes and other perils.

  • Coverage against burglary or robbery

In case of an incident of burglary or robbery at your premises, you can avail financial coverage if your headgear is destroyed.

Policy Details & Specifications

You can refer to the following pointers to learn about policy details:

Membership fee

The membership fee is only ₹199 per annum.

Coverage limit

You can get coverage up to ₹10,000.

What’s not Covered?

1. Exclusions

Here are some of the necessary exclusions under this bike helmet cover that you need to know before applying for it:

2. Damage due to pollution

If your headgear is destroyed due to contamination or pollution, it will not be covered under this plan.

3. Damage due as a result of terrorism

Any direct or indirect damage or loss incurred due to any act of terrorism is not covered under this policy.

4. Helmets older than a month

You must apply for a helmet cover within 30 days from the purchase or invoice date.

5. Deductibles

For the sum insured value of up to ₹20,000, the deductible amount of the first 5% of every claim amount is applicable up to ₹1,000.

How to Make a Claim?

If you wish to raise a claim under the bike helmet insurance plan, you need to connect with the customer care representative within 24 hours of the incident. To reach out to the customer support team, follow the methods below:

  • Call

You can dial the toll-free number: 1800-209-5858.

  • Email

Write to bagichelp@bajajallianz.co.in

Please provide relevant documents and policy numbers in each case.

Documents Required While Filing a Claim

You need to submit the following documents to raise the claim:

  • FIR copy
  • Bill or invoice copy
  • Appropriately filled claim form

Helmet Cover - Customer Care Details

If you have any queries regarding the policy details, feel free to write to us at insuranceconnect@bajajfinservmarkets.in

FAQs on Helmet Insurance

If my helmet is stolen from my friend’s house, will it be covered by the helmet insurance plan?

No, you will not be able to receive coverage. Such plans only provide coverage against theft or burglary taking place at the insured premises that are specified in the insurance certificate.

How will the insurance claim be settled?

The payment for the raised claim can be settled either through NEFT or a system cheque.

What is the membership cost of helmet insurance?

The membership cost of helmet insurance is ₹199/annum.

What is the validity of a helmet insurance policy?

The validity of this insurance plan comes with a tenure of 1 year.

What is the timeline for informing the insurer about the incident and raising the claim?

To raise the claim, a customer needs to notify the insurer within 24 hours of the damage or loss caused to their headgear.

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