Bajaj Allianz Comprehensive Car Insurance Policy

Like every other insurance field, Bajaj Allianz has offered various car insurances to safeguard the insurance policy with financial compensation after any mishap. Comprehensive car insurance is one such all-inclusive insurance that every car owner should purchase every year. Bajaj Allianz’s support in buying, in claims, garages and for many other reasons makes it one of the best car insurance providers in India.

How Does Bajaj Allianz Comprehensive Insurance Work?

Third-party car insurance, which is compulsory according to the MVA (Motor Vehicle Act), only provides a claim of the third-party liabilities (vehicles and passengers). On the contrary, comprehensive car insurance covers the damages of the third party as well as your own car. Here, the effectiveness of the comprehensive plan is evident. With the option of potential add-ons, the comprehensive plan offers complete car insurance.

Key Features of Purchasing Bajaj Allianz Comprehensive Car Insurance Policy

There are some significant key features of the Bajaj Allianz car insurance that make it different from other car insurance policies. These significant features include:

How to Buy Bajaj Allianz Comprehensive Car Insurance

Every four-wheeler owner who would like to buy Bajaj Allianz car insurance must have a clear understanding of how to purchase it because it saves their time and gets the insurance copy on time.

Purchase Comprehensive Car Insurance with InsuranceDekho

InsuranceDekho has a very well-designed car insurance buying system for all car owners. Let’s look at the step-by-step process in order to purchase your next comprehensive car insurance plan:

• Step 1: Go to the official website of InsuranceDekho (www.insurancedekho.com) and log in with your credentials (user ID and password).
• Step 2: Enter your four-wheeler details, such as RC (registration certificate) number, chassis number, manufacturer name, registration year, etc.
• Step 3: Click the Bajaj Allianz car insurance and select the comprehensive plan.
• Step 4: Choose any add-on, whatever you like.
• Step 5: You can request a callback from the Insurance Dekho advisor if you have any queries regarding the purchase (it’s an option step).
• Step 6: By giving the Aadhar number and entering the OTP (one time password), validate your KYC (know your customer).

• Step 7: Review all the details and proceed with the insurance premium payment.

• Step 8: After making the payment, download the soft copy of the car insurance, or it will be sent to the vehicle owner’s registered email ID.

Offline Method

Alternatively, those who find it difficult to buy a Bajaj Allianz comprehensive plan can call us at 7551196989 and write to support@insurancedekho.com. Our dedicated and experienced relationship manager will connect with you and guide you in every step of buying the comprehensive plan.

Buy a Comprehensive Plan from Insurer:

All vehicle owners can buy their car insurance by visiting the official website of Bajaj Allianz or installing the Bajaj Allianz app. After entering their details and vehicle information, they can purchase the comprehensive plan.

Add-Ons

Along with comprehensive car insurance, car owners can add multiple add-ons according to their needs. Bajaj Allianz offers various add-ons for their car insurance policyholders. A few of those add-ons are:

• Zero Depreciation Cover: Every car’s value is depreciated every year, irrespective of their model and type. Without zero dep cover, you will not get the entire claim amount. If you purchase this add-on, you counter this depreciation of the four-wheeler. Cars less than 5 years of age should have zero dep cover.
• Engine Protector: The engine is an expensive car part, and you can bear the cost if it’s damaged after the accident. The engine protector add-on will compensate for your financial loss. So, you can include this add-on.
• Lock and Key Replacement: Comprehensive insurance policyholders can lose their keys during an unexpected incident. This add-on provides financial support for this damaged key and lock.
• 24/7 Spot Assistance: Car owners often find themselves on lonely or vacant highways after the mishap. The 24*7 roadside assistance add-on solves this solution by sending the mechanic to the accident location.
• Personal Baggage: Personal bagages are lost after any theft or burglary attempt. This add-on prevents the vehicle owners from financial loss by providing compensation.
• Consumable Expenses: There are many consumable expenses after the damage to the four-wheeler. These consumables include coolant, engine/braking oil, gearbox oil, etc. This add-on will give a claim for all those consumable expenses.
• Conveyance Benefit: While the insurance policyholders’ car is damaged and is under repair, they have to travel daily. This conveyance benefit add-on covers those commute costs during that period.
• Return to Invoice Cover: If your car is stolen, then it’s a complete loss of your money, and it’s not covered under the comprehensive plan. After purchasing this add-on, you will get the total price of the car as compensation.

Documents Required to Buy Bajaj Allianz Comprehensive Insurance Policy

It is essential to know what the required documents are before purchasing the Bajaj Allianz comprehensive car insurance. Those necessary documents are:

• A valid driving license
• Four-wheeler’s details such as RC number, chassis number, model type, registration date, and manufacturer name
• Insurance filing form
• Address proof (Aadhar card or voter ID)
• Government-issued ID card (Aadhar, PAN or Voter ID)
• A valid email ID and active mobile number

Bajaj Allianz Comprehensive Insurance Claim Process

Every car owner should be aware of every detail regarding the claim process, from initiation to final settlement. In addition, knowing the required documents for the claim process is essential.

How to File a Claim

There are a few steps from claim registration to crediting the claim amount to the car owners. Let’s look at the steps carefully:

• Step 1: First of all, inform the insurer by dialing the claim assistance number 1800-209-5858 or 1800-266-6416 for Motor On The Spot or emailing claimslegal@bajajallianz.co.in for claim initiation. A claim registration number will be sent to your registered email ID and mobile number.
• Step 2: Self-upload the pictures of the documents, such as RC copy, FIR copy and other documents, to MOTS or to the official website, or send it to air@bajajallianz.co.in. Otherwise, the surveyor visits the damaged car location.
• Step 3: Repair the car to a network garage for cashless claims or a non-network garage for reimbursement settlements.
• Step 4: The Bajaj Allianz claim team will review all the documents and can ask for additional documents. Therefore, the claim will be approved and credited to the insurance policyholder's bank account directly if the documents are appropriate and the claim is eligible.

Documents Required

The documents that are needed for the claim submission are:

• RC copy of the four-wheeler
• A valid driving license for driving the car
• FIR (First Information Report) copy
• Duly signed claim form
• A repair bill is only required for reimbursement claims
• Contact number
• Car’s chassis number
• Vehicle inspection address
• Engine number
• Picture or video of the damaged car

Claim Assistance by InsuranceDekho

We, the InsuranceDekho, are always there with you in crunch times during the claim process. If you need any claim assistance, dial 7551196989 (10 am to 7 pm, Monday to Sunday, except holidays) or send your query to claims@girnarinsurance.com. Our team will assist you with any claim query or questions.

Bajaj Allianz Comprehensive Insurance Renewals and Cancellations

Insurance Dekho believes in a user-friendly and hassle-free renewal process for car insurance. There are two ways, such as an online and offline process, in order to renew comprehensive car insurance.

Online Method:

The online method consists of:

• Go to InsuranceDekho’s official website (www.insurancedekho.com) and log in with a user ID and password.
• Then click on the support option and select the renew car insurance policy.
• After authentication of providing OTP, you will see your previously bought car insurance policies.
• Therefore, click the renew policy and make the insurance premium payment.
• Hence, download the soft copy of the new policy or get the policy document in your email inbox.

Offline Method:

The insured person can call us 7551196989 or mail us on support@insurancedekho.com for the renewal of the Bajaj Allianz comprehensive car insurance policy. Our relationship manager will guide you to renew the policy over call or assist you over email in renewing the policy.

Car Insurance Policy Cancellation

Before cancellation of the comprehensive plan, vehicle owners must buy third-party car insurance to adhere to the MVA Act and avoid hefty fines or penalties. You should contact customer support and email us with a formal letter, policy document and RC copy. Therefore, the ongoing comprehensive plan will be canceled.

Before even considering purchasing comprehensive car insurance, car owners should have a clear idea about inclusions and exclusions under a comprehensive plan.

Covered

As far as the coverages are concerned, it includes:

• Natural Calamities: While the car is damaged due to any natural disasters such as cyclones, floods, falling trees, earthquakes, and typhoons, a comprehensive plan provides a claim for those.
• Man-Made Attacks: Riots, strikes or stone pelting can damage the four-wheelers severely. This car insurance provides a claim for it.
• Personal Accident Cover: The comprehensive plan includes the personal accident cover up to INR 15 lakh. The drivers and passengers get this coverage due to an on-road accident.
• Third-Party Liabilities: This insurance provides financial compensation for the damage to third-party vehicles and passengers.
• Car Theft: Any burglary or theft of the four-wheeler is included under the Bajaj Allianz comprehensive plan.
• Transit damage: If the car is damaged at the time of transit, you will get the claim.
• Accidental Damage of the Car: If the car is damaged due to a collision with vehicles, human beings, or immovable properties, the vehicle owner gets the claim.

Not Covered

The list of exclusions comprises:

• If the vehicle owners have an expired car insurance policy, the claim will be rejected automatically.
• No claim will be approved if it is proved that the driver doesn’t have a valid driving license.
• While the driver is intoxicated and driving the car, then the claim will not only be rejected but a hefty fine can be imposed too.
• When the accident occurred due to negligence and intentionally happened, no claim will be entertained for those situations.
• For damage incurred by wars, nuclear attacks or drone attacks, there is no provision for a car insurance claim.
• Any regular wear and tear of the four-wheeler is not covered under this comprehensive car insurance.

Factors That Affect Your Comprehensive Car Insurance Premium

There are several factors that decide whether the comprehensive premium will be higher or lower. These factors are:

• Registration Date: The registration date or age of the car is one of those deciding factors of the car insurance. Newer cars have a higher premium than older ones.
• Car Model and Type: Whether the luxurious car has a higher premium amount than the not-so-luxurious ones. This is due to the expensive car parts types of any kind of four-wheeler.
• Registration Location: The urban car owners have to pay more premiums than the rural owners. This is only because the urban areas are more accident-prone.
• No Claim Bonus (NCB): NCB is the reason for not increasing the car insurance premium. You always get a discount (up to 50%) of the premium for a no-claim year.
• Driver's Profile: If the driver’s profile is clean and has no accident reported, you have to pay a comparatively lower premium.
• IDV (Insured Declared Value): IDV is the amount the insurer has to pay if the car is lost. Over the years, IDV has decreased, and with this car’s premium, it will also decline.

How to Calculate Comprehensive Car Insurance Premium Online?

As it is discussed, car insurance premiums are decided by many factors. You need not take headaches for this. The insurance policyholders should take these steps:

• Go to the InsuranceDekho website and click the premium calculator
• Then, enter the RC number, chassis number, model number, manufacturer name, registration year, variant of the car, registration city, etc.
• Select the car insurance and comprehensive plan
• The premium will be shown to you

Bajaj Allianz Comprehensive Car Insurance Support

It is significant to know about various mediums of customer support for any assistance during purchasing or claims.
InsuranceDekho’s Support

• For any claim or insurance-related support, send an email to support@insurancedekho.com or connect with us at 7551196989.
• Any insurance policyholders can raise their grievance by writing at grievance@insurancedekho.com, and to escalate the matter, contact our principal officer at PO_GIBPL@girnarinsurance.com.

Bajaj Alliance Customer Support

• If you want to contact Bajaj Allianz, there are a few mediums. Those mediums are by dialing at 1800-209-5858, missed call at 80809 45060, or WhatsApp at 75072 45858.
• Alternatively, for any kind of help, send your question at bagichelp@bajajallianz.co.in.