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Bajaj Allianz Standalone Own-Damage Two-Wheeler Insurance Policy

Bajaj Allianz offers three types of insurance for two-wheelers. The Bajaj Allianz standalone-own damage two-wheeler insurance provides coverage for own-damage costs in case of a mishap for a number of scenarios including road accidents, theft, cases of vandalism, fires, explosions and any form of calamity. It is advisable to purchase standalone own-damage insurance for your two-wheeler along with third party insurance as it offers a wider coverage and the compensation will provide the insurance holder with financial stability in case of a mishap.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance


Bajaj Allianz Third Party Two-Wheeler Insurance

Bajaj Allianz Standalone Two-Wheeler Own-Damage

Bajaj Allianz Comprehensive Two-Wheeler Insurance


Bajaj Allianz third party insurance for two-wheelers covers third party liabilities in case of a mishap including bodily injuries, death and property damage. The compensation limit for property damage is Rs 1 Lakh.

Bajaj Allianz standalone own-damage two-wheeler insurance covers will compensate for the cost of damages to the two-wheeler in a wide variety of scenarios such as road accidents, natural calamities etc. Additionally, insurance holders also receive NCB for claim-free years.

Bajaj Allianz comprehensive two-wheeler insurance plans offer coverage for both third party liabilities and own-damage costs under a single premium. Furthermore, you can also purchase a personal accident cover for added protection, this is an optional add-on.


Bajaj Allianz third party two-wheeler insurance does not offer customers add-on covers.

Bajaj Allianz standalone own-damage two-wheeler insurance offers a number of add-on covers to their customers.

Bajaj Allianz comprehensive two-wheeler insurance offers customers several add-on covers to choose from.


Bajaj Allianz’s third party insurance offers the cheapest policy out of three as it provides basic coverage.

Bajaj Allianz’s standalone own-damage two-wheeler is more expensive than third party insurance as it offers greater coverage.

Bajaj Allianz’s comprehensive two-wheeler insurance is the most expensive of the three because it offers wider coverage taking care of both own-damage and third party liabilities under a single premium.

What is Covered Under a Bajaj Allianz Standalone Own-Damage Two-Wheeler Insurance Policy?

Following are features that are covered under Bajaj Allianz’s standalone own-damage two-wheeler insurance policy:

  • Road Accidents such as collisions on the road that affect the two-wheeler.
  • Damages to the two-wheeler due to fire or explosions.
  • Vandalism of the two-wheeler
  • Theft of the two-wheeler or cases of total damage.
  • Damage caused to the two-wheeler by a natural or man-made calamity, such as cyclones.

What is Not Covered Under a Bajaj Allianz Standalone Own-Damage Two-Wheeler Insurance Policy?

The following are the aspects that are not covered under a Bajaj Allianz standalone own-damage two-wheeler insurance policy:

  • If the two-wheeler breaks down due to a mechanical or electrical failure.
  • Any mishap occurs that damages the two-wheeler involving illegal driving.
  • Depreciation of the two-wheeler.
  • Unfortunate incidents that occur outside the predetermined geographical boundaries mentioned by the two-wheeler insurance.

Benefits of Bajaj Allianz Standalone Own-Damage Policy

Following are the benefits of purchasing a Bajaj Allianz standalone own-damage two-wheeler insurance policy:

  • Adds a layer of protection for the two-wheeler by compensation for damages in case of a fire, road accident, case of vandalism etc.
  • The insurance company offers the policyholder No Claim Bonus (NCB) for every claim-free year. Moreover, the reward is cumulative.
  • A number of add-on covers are available and can be purchased to further strengthen your standard two-wheeler insurance policy.

How To Purchase Bajaj Allianz Standalone Own-Damage Two-Wheeler Insurance Policy?

Follow the below-mentioned steps to purchase a Bajaj Allianz standalone own-damage two-wheeler insurance policy:

Step 1: Visit InsuranceDekho and click the ‘two-wheeler insurance’ tab. A drop-down menu will appear, select ‘Standalone Own-Damage’ from the available options.

Step 2: Provide your two-wheeler’s registration number or its make, model and registration year if you do not have the information with you.

Step 3: Enter your personal details including your name and phone number. After the required information is entered select ‘Submit and Get Quotes’.

Step 4: On your screen, all the quotes for standalone own-damage covers will be visible. Select the policy offered by Bajaj Allianz and any add-ons you want to purchase with it.

Step 5: Pay for your selected Bajaj Allianz standalone own-damage two-wheeler insurance policy and the policy document will be sent to your registered email ID.

Must Read Articles before buying Bajaj Allianz Bike Insurance

Bajaj Allianz Bike Insurance User Reviews

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  • Efficient Service

    I had a minor accident last month and needed to get my bike’s fender replaced. With my Bajaj Allianz bike insurance, purchased through InsuranceDekho, the claim process was smooth and quick. I’m glad that they gave an efficient service and support.

    By Anjali Mehta
    On: June 20, 2024
  • Best Decision Ever

    Choosing InsuranceDekho for my Scooter was the best decision I made. I recently bought Bajaj Bike Insurance and while purchasing it, the team’s dedication to customer service was amazing. It was fast, transparent and professional. I feel secure knowing my scooter is in good hands.

    By Shalini Goyal
    On: June 6, 2024
  • Seamless Purchase

    I recently purchased Bajaj Allianz's bike insurance via InsuranceDekho. It was a very seamless purchase with the help of their support. Thankyou Insurancedekho.

    By Lohit Bala
    On: March 4, 2024
  • Effortless Transition to Renew...

    Transitioning to the renewal of my current Bajaj Allianz Bike Insurance Policy was incredibly smooth. InsuranceDekho ensured that the process was seamless and that my KTM bike’s coverage continued without any disruptions.

    By Kush Rajput
    On: November 21, 2023
  • Budget-Friendly Premium Option...

    I found that InsuranceDekho's premium calculator offers budget-friendly premium options without compromising on coverage. I got a good coverage with the Bajaj Allianz Bike Insurance Policy for my Triumph bike. It's a win-win situation.

    By Ritesh Majumdar
    On: October 17, 2023
  • Smart Investment in Car Safety...

    Investing in InsuranceDekho's own damage coverage for my Triumph bike is a smart move for bike safety. The Bajaj Allianz Bike Insurance Policy pays off in peace of mind.

    By Ranjit Kumar
    On: September 29, 2023
  • Highly Recommended for All Car...

    I highly recommend InsuranceDekho's comprehensive coverage for all bike owners. The Bajaj Allianz Bike Insurance Policy along with the comprehensive coverage for my Aprilia bike is a reliable and comprehensive insurance solution.

    By Addi Shashwat
    On: September 20, 2023
  • Effortless Policy Renewals

    Renewing the third-party Bike insurance of my Bajaj Allianz Bike Insurance Policy for my TVS bike with InsuranceDekho was effortless. They make it quick and convenient.

    By Rajendra Kumar
    On: September 15, 2023
  • Customizable and Flexible Quot...

    InsuranceDekho's premium calculator offers customizable and flexible quotes. It lets me tailor my insurance of the Bajaj Allianz Bike Insurance Policy to my specific needs for my Triumph bike.

    By Suresh Trehan
    On: September 13, 2023
  • Fair and Quick Resolution

    InsuranceDekho resolved the claim for my Bajaj Allianz Bike Insurance Policy for my Honda bike fairly and quickly. Their dedication to customer satisfaction shines through in their claims processing.

    By Akshar Mahapatra
    On: September 11, 2023

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