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Bajaj Allianz Standalone Own-Damage Car Insurance Policy

The Bajaj Allianz Standalone Own-Damage Car Insurance offers policyholders protection for their cars in case of a mishap. In the event of an unfortunate incident, this insurance will compensate the policyholder for the damage to the vehicle, thereby providing protection both to the car and the owner by giving them financial stability in times of crisis. The standalone own-damage car insurance is not compulsory, however, it is a wise choice to purchase this alongside third party insurance.

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

Basis

Bajaj Allianz Third Party Insurance

Bajaj Allianz Standalone Own-Damage

Bajaj Allianz Comprehensive Insurance

Coverage

Third party insurance covers third party liabilities in case of a mishap including bodily injuries, death and property damage. The compensation limit for property damage is Rs 7.5 Lakh.

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

Comprehensive plans offer coverage for both third party liabilities and own-damage costs under a single premium. Moreover, you can also purchase an optional personal accident cover for added protection.

Add-ons

Do not offer add-on covers.

A number of add-on covers are available with this type of cover.

Add-on covers are offered with comprehensive plans.

Cost

Cheapest policy out of three as it provides basic coverage.

More expensive than third party insurance as it offers greater coverage.

Most expensive but offers wider coverage taking care of both own-damage and third party liabilities under a single premium.

What is Covered Under Bajaj Allianz Standalone Own-Damage Policy?

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

  • Road Accidents such as collisions on the road.
  • Damages to the car due to fire or explosions.
  • Vandalism
  • Theft of the car.
  • Damage caused due to a natural or man-made calamity, such as cyclones.

What is Not Covered Under Bajaj Allianz Standalone Own-Damage Policy?

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

  • Breakdowns caused due to electrical or mechanical failures.
  • Any mishap that occurs due to illegal driving.
  • Depreciation of the car.
  • Unfortunate incidents that occur outside the predetermined geographical boundaries of the insurance.

Benefits of Bajaj Allianz Standalone Own-Damage Policy

The list of benefits includes:

  • Adds a layer of protection for the car by compensation in case of a fire, road accident, case of vandalism etc.
  • The insurance provider offers a No Claim Bonus (NCB) for every claim-free year.
  • Add-on covers can be purchased to further strengthen your standard insurance policy.

How To Purchase Bajaj Allianz Standalone Own-Damage Policy?

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

Step 2: Provide your car’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, such as your name and phone number. Next select ‘Submit and Get Quotes’.

Step 4: On your screen, all the quotes in your category will be visible. Select the one 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 policy and the policy document will be sent to your registered email ID.

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Must Read Articles before buying Bajaj Allianz Car Insurance

Bajaj Allianz Car Insurance User Reviews

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554 User reviews
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  • Fire Damage Claim

    A short circuit in my car's wiring lit a small fire which damaged the dashboard till some extent. Bajaj Allianz was my insurer and handled the claim process ideally. My car was repaired at a cashless garage and I just had to pay the pre-agreed deductibles and rest was covered with my car insurance. The quality of repair was excellent, and I didn't face any out-of-pocket expenses. InsuranceDekho's suggestion to go with Bajaj Allianz for comprehensive coverage proved beneficial to me.

    Read More

    C
    By Charlie Daniels
    On: July 12, 2024
  • Got IDV in case of theft

    I had always suspected if the zero depreciation add-on was worth the extra pennies but since I had got the first car from my own money, I wanted to take full precautions and Im so thankful I did that. Couple of months ago I had a horrible car accident on the Yamuna Expressway and my car got damaged beyond repair. Thanks to the customer support of BAJAJ ALLIANZ, they helped me a lot through the process and I received the IDV with zero dep which saved me from a big financial trouble. I thank InsuranceDekho at times as their articles motivated me to get the add-ons.

    Read More

    S
    By Samarth Gupta
    On: June 18, 2024
  • Smooth claim process

    I took Bajaj car insurance and I must say it has been a good decision. I took my first claim a month back and the process was really smooth and the customer support team was quick with their responses. Since I purchased it through InsuranceDekho, I got claim assistance from them which was really a big thing.

    Read More

    A
    By Aaftaab Chaudhary
    On: June 13, 2024
  • Smooth Portability

    I recently switched to InsuranceDekho for my car insurance and bought Bajaj Car Insurance. I am greatly satisfied with their service. From providing excellent coverage options to help claim settlements, they have performed beyond my expectations. Good work, Team InsuranceDekho.

    Read More

    A
    By Akash Singh Chauhan
    On: June 7, 2024
  • Best customer service

    I got my newly bought Maruti Baleno insured with Bajaj Allianz through InsuranceDekho in such a hassle-free and smooth process. The process was simple, and the team was helpful from start to finish.

    Read More

    P
    By Priya Gupta
    On: May 29, 2024
  • Excellent Service

    I recently bought Bajaj Allianz car insurance. The Insurancedekho team was very helpful till the end of the process. Thankyou.!!

    Read More

    N
    By Naman Arora
    On: March 2, 2024
  • Seamless Claims Processing

    I found that the claim for my Toyota car’s processing at InsuranceDekho's cashless garages is seamless. It minimizes paperwork and simplifies the process for the Bajaj Allianz Car Insurance Policy.

    Read More

    By Sreelata Kashyap
    On: November 24, 2023
  • Zero-Dep, Zero Compromises

    With zero-dep insurance, there are zero compromises. InsuranceDekho's Bajaj Allianz Car Insurance Policy doesn't cut corners; it ensures that my MG car is fully protected without any deductions.

    Read More

    A
    By Aman Kumar
    On: November 22, 2023
  • Financial Security During Clai...

    During the claim of the Bajaj Allianz Car Insurance Policy, InsuranceDekho provided financial security. It's reassuring to know that they have me and my Renault car covered.

    Read More

    By Sujata Sajan
    On: November 16, 2023
  • Investing in Vehicle Safety

    I know that my choice to invest in own damage car insurance with the Bajaj Allianz Car Insurance Policy from InsuranceDekho is an investment in my Renault vehicle's safety. It offers complete protection, ensuring I can drive with confidence.

    Read More

    By Aviraj Ghosh
    On: October 30, 2023
Bajaj Allianz Reviews

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Bajaj Allianz Car Insurance Own Damage FAQs

  • What is an own damage cover in Bajaj Allianz Car insurance plan?

    An own damage car insurance cover helps the policyholder in safeguarding their own car from the damages incurred due to accident, theft, etc. The insurance company pays compensation for any damages incurred to the policyholder's own vehicle during an accident or any other mishap.

  • Who is allowed to purchase Bajaj Allianz standalone own damage cover?

    A policyholder, who owns a valid third party insurance plan is allowed to purchase Bajaj Allianz standalone own damage cover.

  • How is the premium calculated for Bajaj Allianz own damage car insurance cover?

    The premium calculation for Bajaj Allianz own damage cover takes place on the basis of factors such as car age, car make, vehicle type, geographical zone, engine cc, etc.

  • Is it mandatory to buy an own damage cover for my car?

    No, as per the law it is not mandatory to purchase an own damage cover for your car. However, as per Indian Motor Tariff Act, it is compulsory to own a third party insurance plan in order to drive your car on public roads in India.

  • What all is covered in Own damage insurance?

    Bajaj Allianz own damage insurance offers coverage for theft of own vehicle, damage or loss to own vehicle in an accident or any other mishap such as due to fire, natural calamity etc.

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