Bajaj Allianz car insurance review
Bajaj Allianz car insurance is basically the enterprise of the Bajaj Allianz and bajaj finance This company was established in 2001. The Bajaj Allianz growth and productivity has emerged as one of the financially sound insurance companies. The company obtained an IAAA rating from ICRA indicating the highest claim ability to pay and a strong position in the industry.
The Bajaj Allianz car insurance provides affordable car insurance plans that are equipped with excellent facilities and benefits to provide you better assistance.
Advantages of buying Bajaj Allianz car insurance:
More than one plan option
The company is offering a variety of car insurance schemes to meet your varied needs. Plan according to your needs.
It also provides a cashless facility to help its customers and provides the facility of 4000+ garages, which will help the insured in cashless claim settlement.
24×7 customer care service
The team of Bajaj Allianz car insurance is always available to help you in times of need, whether it’s about a claim or any other questions. Bajaj Allianz car insurance customer care number 1800-209-5858.
No claim bonus
With the motive of saving much the company is giving wonderful discounts as the NCB. Investing in the Bajaj Allianz policy will enable you to get NCB from 20% to 50%.
Disadvantages of buying Bajaj Allianz car insurance:
- Sometimes sufficient claim is not to cover a serious accident.
- High deductible
- Fixed cover
- Rigidity sometimes car dealers having a tie-up with insurance companies and they give the insurance of their own choice.
If you buy car insurance from a car dealer then you don’t have the option of comparing with other companies and search a good policy.
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Car insurance is required under the law:
It is necessary to ensure all the vehicles under the Motor Vehicle Act of India. It is counted as an essential paper in the papers of the vehicle. Under this, it is necessary to have at least third party cover. The third-party means that if you are traveling in a car and during the accident there is any kind of loss of life and property, then third-party insurance also covers that loss.
Why buying car insurance is necessary?
According to the motor vehicles act 1988. Insurance of one vehicle is necessary for everyone buying a car in India. Driving without two-wheeler or four-wheeler insurance is punishable. Since August 1, IRDA has abolished the obligation to get third-party insurance and on damage insurance.
This can make the insurance package cheaper. There are four types of insurance policies for car buyers, including third-party and own damage insurance. Let’s figure out what this third party insurance policy and own damage control are:
This is the policy that is responsible for the loss you are getting. It is important for the carers to get a third party cover for three years and two-wheeler.
Own damage insurance
This only pays for the damage caused to the car. It also has a risk coverage in cases of damage caused by natural calamities like fires, lightning strikes, earthquakes, floods, and natural calamities that occur in the trains. Robbery and damage to terrorist ACTS also provide coverage. When the own damage policy is taken with the third party insurance, it is called a comprehensive policy. Such a policy is also compensated by the same policy for the loss of the vehicle to the other person and the vehicle.
Bajaj Allianz car insurance add-own cover:
24×7 roadside service
With infrastructure, the company is offering roadside service (anywhere and anytime in India) to deal with accidents/breakdowns. It will also assist with tire repair/replacement, car battery jumpstart, etc.
Lock and key replacement
It is an assistant add-on cover that will be visible after the cost of replacement of the car keys in case it is lost or stolen. Further, the locks of the insured vehicle will also be liable to receive the necessary cover.
Accidents of the vehicle and physical injury to other passengers causing total permanent disability or death will compensate for the loss of the accident.
Under this, the insurance policy will provide coverage on the cost of replacement or improved consumables material, if the accident has been carried out.
The ingredients of comfort include gearbox oil, AC refrigerant, nut, screw, bolt, Windows shield washer liquid, radiator coolant, battery electrolyte, full filters, bearing, and fuel.
Under which, if the assured medical claim is getting repair after the initial claim, your accidental damage claim will be accepted and you will be entitled to a cash benefit of a regular amount per day. The amount of conveyance benefit depends on the plan you choose.
Your personal items in cars like mobile, laptop, etc damaged/lost due to an unfortunate incident will be liable to get cover.
What is the Bajaj Allianz car insurance drive smart?
In the Bajaj Allianz car insurance, a unique service called bajaj drive smart is available. This is a special vehicle tracking system that monitors your vehicle’s position (engine and motor state) while analyzing one’s driving pattern.
The following benefits of bajaj drive smart are:
- Your car pulse check: Drive smart works like a smart tool that checks your car’s engine health and keeps you updated to avoid any major damage.
- Track location: Bajaj drive smart will help you find the right location of your car with your friends or family through SMS, email, or WhatsApp.
- The monitoring pattern: The total distance, speed, and very few details, as set in a day.
- Alert: Overriding, unauthorized car movement, flame car batteries, etc. It allows you to set up alerts for driving servicing dates, license renewal dates, and a lot.
- General assistance: Any car related query using this tool can be asked with an automobile expert.
Bajaj Allianz car insurance offline claims settlement process:
Whether it is a minor breakdown, theft, accident, or any occurrence, the Bajaj Allianz car insurance claim procedure is easy and hassle-free. If you are thinking to use the customer care number to register the claim, the company will assign a call to the senior executive to help you with the entire claim process. If this is a case of accident or theft, you should make sure to file a complaint to the nearest police station as soon as possible. Also, keeping basic details like accident/theft/fire, policy number, place of accident/theft/fire/others, Km reading, and a police complaint number is very important as the insured can ask him without notice.
How to renew Bajaj Allianz car insurance from their official website?
- Go to the official website of the bajaj Allianz general insurance company.
- Click the renew TAB.
- Find the car insurance option and move your cursor to the car insurance and click the renewal now TAB.
- This will take you to a new page, where you have to fill basic details like policy number and registration number. Read all premium details carefully.
- Pay using different payment methods.
Bajaj Allianz car insurance online claim settlement process:
- Go to the official website of the Bajaj Allianz general insurance company.
- Click on the claim TAB.
- Click on the motor TAB.
- You will receive three options – voice calls, emails, and online.
- To proceed online, you will need to click on ‘online registration’.
- Enter your policy number and click ‘proceed’ (with this step, you will receive a claim number).
- Enter your policy number and claim number. Click on purchase
- Upload all the required documents (an assistant will be there to assist you with the complete claim process).
- In case of approval or rejection, the company will contact you via call, SMS, or email.
Important documents required for claim process in Bajaj Allianz car insurance:
- Signed claim form
- RC of the vehicle with both the original key
- Copy of the driving license
- Policy document
- FIR (in the case of theft)
- Pan card, driving license, and registration certificate
In the above article, you understand well about the Bajaj Allianz car insurance. I strongly recommended you buy car insurance from this company because Bajaj Allianz is a very reputed and good one of the good companies in India, and also apart from car insurance the Bajaj Allianz life insurance review is also very good and has got 4.1 stars ratings.