Bajaj Allianz Two-Wheeler Insurance

Types of Bajaj Allianz Two-Wheeler Insurance 

Bajaj offers different types of two-wheeler insurance policies to meet different needs. The main types are: 

• Liability Only Policy – This covers damage or injury that is caused by your vehicle to another person or their property. It also gives personal accident cover for the owner-driver. 

• Liability Only Policy for Two-Wheelers – 5 Years – This is a five-year third-party policy that covers damage or injury to others and includes personal accident cover for the owner-driver. 

• Long-Term Two-Wheeler Insurance Policy (Liability Only) – This covers third-party damage or injury for a longer period. This policy is helpful when you do not want to renew the policy every year. 

• Long-Term Two-Wheeler Package Policy – This gives long-term coverage including own damage, third-party cover, and personal accident cover for 2 or 3 years. 

• Standalone Own-Damage Cover for Two-Wheeler – This covers repair or replacement costs if your vehicle is damaged due to an accident, theft, or natural disaster. 

• Two-Wheeler Bundled Policy – This cover is mostly for new bikes, which provides a combination of five years of third-party cover with one year of own-damage cover.  

Key Features of Bajaj Allianz Two-Wheeler Insurance Policy

The significant benefits of the Bajaj Allianz two-wheeler insurance policy are as indicated in the table below: 

• Multi-year insurance for three years
• Easy and hassle-free claim settlement process
• Purchase Two-Wheeler Insurance policy online with ease
• Round-the-clock customer care support
• Multiple add-on covers including zero depreciation cover are available

Key Benefits of Bajaj Allianz Two-Wheeler Insurance

• Purchase or renew your Two-Wheeler Insurance policy online in a few easy steps
• Up to 50% of the existing No Claim Bonus can be transferred from any two-wheeler insurer
• Round-the-clock customer care support over telephone, email, and more.
• 24x7 claim assistance and SMS update facilities
• High service standards and hassle-free claim settlement and vehicle inspection process

Documents Required for Bajaj Allianz Two-Wheeler Insurance

Here is the list of documents required to file a two-wheeler insurance claim: 

• Claim Form 

• Driving License 

• Registration Certificate (RC) 

• Insurance Policy Document 

• Police FIR (if filed) 

• Tax Payment Receipts (if applicable) 

• Original Repair Bills and Receipts 

Coverage Offered Under Bajaj Allianz Two-Wheeler Insurance Policy

• Damage or Loss to the Two-Wheeler Due to Natural Disaster: Bajaj Allianz bike insurance policy covers your vehicle against losses and damages as a result of natural disasters such as explosion, fire, lightning, floods, earthquakes, hurricanes, storms, landslides, rockslides, cyclone, frost, hailstorm, and others.
• Damage or Loss to the Two-Wheeler Due to Man-Made Calamities: The bike insurance policy covers losses or damages caused to the vehicle due to man-made incidents such as theft, strikes, riots, malicious acts, damages in transit, terrorist acts, and more.
• Personal Accident Cover: Bajaj Allianz motorcycle insurance policy provides coverage of Rs.1 lakh for personal accidents of the individual driver/owner of the motorcycle taken place during mounting, dismounting, or riding the vehicle. You may also buy the add-on covers to protect the pillion riders/unnamed hirers, and more.
• Third Party Liability: The policy covers the insured against any financial or legal liabilities due to accidental damage or loss caused to a third person or their property.
• Theft or Burglary: The insurance company pays compensation if an insured two-wheeler is stolen.

Bajaj Allianz bike insurance policy covers your vehicle against losses and damage as a result of natural disasters such as explosions, fire, lightning, floods,

earthquakes, hurricanes, storms, landslides, rockslides, cyclone, frost, hailstorm, and others.

Exclusions in Bajaj Allianz Two-Wheeler Insurance

• Wear and tear of the vehicle due to ageing.
• Electrical/mechanical breakdown.
• Two-wheelers are being used for purposes that are limited in the policy.
• Damage done to/by a person riding the bike or scooter without a valid driving license.
• Damage done to/by a person riding the bike or scooter under the influence of alcohol or drugs.
• Loss or damage caused to the vehicle due to mutiny, war, or nuclear risk.
• Loss or damage to the vehicle accessories as a result of house breaking, burglary, or theft (except if the vehicle is stolen).
• General wear and tear of consumables like tyres and tubes (in case the vehicle is damaged at the same time, the liability of the insurer will be limited to 50% of the replacement cost.

Add-On Covers Available for Bajaj Allianz Two-Wheeler Insurance

Bajaj Allianz offers certain add-on covers which you may opt for to enhance the scope of your Two-Wheeler Insurance policy. Some of the add-on covers are explained below:

• Flat Battery: If a vehicle cannot be moved due to a flat battery, the insurer will make alternative arrangements to move the vehicle under this add-on cover. This add-on cover has certain conditions which can be found in the policy document.
• Spare Keys: In case of loss of keys of the insured bike or scooter, the insurer under this add-on cover will arrange for the pickup and delivery of the spare keys with respect to certain conditions.
• Flat Tyre: If the vehicle cannot be moved due to a flat tyre, the insurer will arrange for a technician to fix the tyre with respect to conditions as mentioned in the policy document.
• Minor Repairs: The insurer will provide for technical assistance in case the vehicle becomes immobilised due to an electrical or mechanical failure.

Other than the add-on covers mentioned above, the insurer also offers add-on covers that include breakdown support over phone, fuel assistance, urgent message relays, towing facility and more.

Bajaj Allianz Two-Wheeler Insurance Cashless Claim Process

By following the steps given below, you can easily file your cashless two-wheeler insurance claim and get your vehicle repaired without paying the full amount upfront: 

• Inform the Insurance Company: If you meet with a collision or unexpected incident, then you must inform the insurance company as soon as possible. You need to share basic details like where and when it happens. If needed, file an FIR. 

• Vehicle Inspection: The insurance company will check your vehicle to check how much damage there is. A surveyor may inspect it or ask for photos and documents. After checking, they approve the repair cost.  

• Repair the Vehicle: After your claim gets approved, you need to take your vehicle to a network garage for repair. If the vehicle cannot be moved, towing help may be provided. 

• Payment and Settlement: After the repair is done, the garage sends the bill to the insurance company. You only need to pay the deductible and other small charges. The insurance company pays the remaining amount directly to the garage.

Bajaj Allianz Two-Wheeler Reimbursement Claim

In case you repair your vehicle at a non-network garage, you need to claim the reimbursement for the damage expenses by following the steps given below:  

Step 1: Visit any garage to repair your two-wheeler. 

Step 2: Make a repair pay and collect the receipt. 

Step 2: Send all the required documents to the company to get a claim. 

Step 3: The Company will verify all the details and provide you with the reimbursement in your registered bank account. 

Note: In case of theft or loss of the vehicle, the owner must inform the company through the toll-free number and file an FIR. If your vehicle is not found within 90 days, then the police should issue you a Non-Traceable Report, which you need to give to your insurer. 

Bajaj Allianz Customer Care Contact Details

In case you have any concern or issue with respect to the Two-Wheeler Insurance policy offered by Bajaj Allianz General Insurance Company, you may contact the insurer using the details given below:

Bajaj Allianz Customer Care Telephone Number

Landline/Mobile: 1800 209 0144/1800- 209- 5858/1800- 102- 5858/020-30305858

Check - Bajaj Allianz Two Wheeler Insurance Customer Care 

Bajaj Allianz Branch Offices in Important Cities

If you wish to buy or renew your motor insurance policy or have queries or concerns that need to be resolved, you may also visit your nearest Bajaj Allianz branch to get the assistance needed. Below are the addresses and phone numbers of branch locations in some important cities in India. You may use the 'Branch Locator' feature on the official website of Bajaj Allianz General Insurance to locate the nearest branch office.