Your Notifications are Empty.
Browse our plans and add your selections to get started.
Explore now Sign inমোটর বীমা
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your Carপ্রিমিয়াম
₹2094 থেকে শুরু*
Cashless Garages
7,200+ network garages for hassle free services
ওন ড্যামেজ কভার
Covers damage to your car due to accidents, fire, theft and natural calamities
থার্ড পার্টির দায়বদ্ধতা
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
পার্সোনাল অ্যাক্সিডেন্ট কভার
Starting from INR 15 Lacs
নো ক্লেম বোনাস
50% টি পর্যন্ত
অপশনাল কভার
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 স্পট অ্যাসিস্টেন্স
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
অন্তর্ভুক্ত
কী কভার করা হয়?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
দুর্ঘটনা
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
আগুনের কারণে ক্ষতি
Damages and losses if your car catches fire or explodes
চুরি
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
পার্সোনাল অ্যাক্সিডেন্ট
Coverage if your car accident results in death or disability of car owner
অ্যাড-অন কভার
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
বহির্ভূত
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
ডেপ্রিসিয়েশন
Normal wear and tear of the car due to usage and depreciation in value is not covered
যান্ত্রিক বা বৈদ্যুতিক বিবরণ
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
মনে রাখবেন
Please read policy wording for detailed exclusions
অতিরিক্ত কভার
What else can you get?24x7 রোড সাইড অ্যাসিস্টেন্স
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
ভোগ্য ব্যয়
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
জিরো ডেপ্রিসিয়েশন কভার
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
আপনি যেমন ব্যবহার করেন সেইমত পে করুন
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
কনভেয়েন্স বেনিফিট
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
ইঞ্জিন প্রোটেক্টর
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Car engines are costly to repair, and standard car insurance often doesn’t cover engine damage due to water ingress, oil leakage, or hydrostatic lock. That’s where Engine Protection Cover comes in. This valuable add-on ensures your engine stays protected against non-accidental but expensive damages, especially during monsoons or floods.
Engine Protection Cover is an add-on in car insurance that covers the repair or replacement of your car’s engine due to water ingress, oil leakage, and other internal damages not caused by accidents. It is especially helpful for high-end cars or vehicles in flood-prone areas.
Compare Insurance Plans Made for You
| ফিচার |
Third Party Liabilty Cover |
ওন ড্যামেজ কভার |
Comprehensive Car Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| সংক্ষিপ্ত বিবরণ | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| পলিসির মেয়াদ | 1 or 3 years | 1 বছর | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | হ্যাঁ | না | হ্যাঁ | হ্যাঁ |
| দুর্ঘটনা এবং সংঘর্ষ | না | হ্যাঁ | হ্যাঁ | হ্যাঁ |
| Natural or Man-Made Disasters | না | হ্যাঁ | হ্যাঁ | হ্যাঁ |
| আগুনের কারণে ক্ষতি | না | হ্যাঁ | হ্যাঁ | হ্যাঁ |
| চুরি | না | হ্যাঁ | হ্যাঁ | হ্যাঁ |
| Compulsory Personal Accident | হ্যাঁ | হ্যাঁ | হ্যাঁ | হ্যাঁ |
| Add-on: No Claim Bonus | না | না | না | হ্যাঁ |
| Add-on: Zero Depreciation Cover | না | না | না | হ্যাঁ |
| Add-on: Lock & Key Replacement | না | না | না | হ্যাঁ |
| Add-on: 24x7 Roadside Assistance | না | না | না | হ্যাঁ |
| Add-on: Consumables Cover | না | না | না | হ্যাঁ |
| Explore more add-ons | না | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
● High Repair Costs: Engine repairs can cost ₹50,000–₹2 lakh, depending on the vehicle.
● Not Covered by Standard Policy: Regular insurance only covers accidental engine damage.
● Essential During Monsoons: Water ingress and hydrostatic lock are common in rainy seasons.
● Covers Key Parts: Protects engine, gearbox, pistons, crankshaft, etc.
● Preserves Car Value: Timely engine repair helps maintain resale value.
● Especially Useful for Premium Cars: High-end cars have complex engines.
● Backed by Insurance: Bajaj General Insurance offers seamless claims and access to 7,200+ cashless garages.
● Water ingression or hydrostatic lock
● Leakage of lubricating oil or coolant
● Damage to engine parts due to flooding
● Cost of engine repair or replacement
● Crankshaft, piston, gearbox, and cylinder damage
● Regular wear and tear
● Damage due to reckless driving
● Deliberate damage to the engine
● Engine damage after driving through deep water
● Damages if the vehicle is not repaired at an authorised workshop
● Luxury or high-end car owners
● Vehicles in flood-prone areas
● New car owners under loan protection
● Urban drivers exposed to waterlogging
● People who drive frequently during monsoons
একটি ইঞ্জিন প্রোটেক্টর প্ল্যান লুব্রিকেন্ট লিকেজ, গিয়ারবক্স এবং জলের প্রবেশের কারণে হওয়া ইঞ্জিনের ক্ষতি কভার করে.
স্ট্যান্ডার্ড কম্প্রিহেনসিভ কার ইনস্যুরেন্স কাজের ক্ষেত্রের ভিত্তিতে অতিরিক্ত কভারেজের সাথে অতিরিক্ত সুবিধা যোগ করার প্রয়োজন হতে পারে. সুতরাং, উপযুক্ত অ্যাড-অন ইনস্যুরেন্স (উদাহরণস্বরূপ, ইঞ্জিন প্রোটেকশন) কভার আপনার মূল্যবান সম্পদের সুরক্ষার মাত্রা বাড়িয়ে দেয়.
ইঞ্জিন প্রোটেকশন অ্যাড-অন কভার হল সবচেয়ে উপযোগী অ্যাড-অনগুলির মধ্যে একটি যা আপনাকে আপনার কম্প্রিহেন্সিভ কার ইনস্যুরেন্স পলিসিতে যুক্ত করা উচিত. এটি যে সকল লোকজনের জন্য আরও বেশি সহায়ক হবে তারা হলেন:
পেশাদার মোটর স্পোর্টস টিম বা কমার্শিয়াল ফ্লিটের মালিক.
বন্যা-প্রবণ অঞ্চলে বসবাসকারী মানুষ.
যাদের বিলাসবহুল গাড়ি রয়েছে, যে গাড়ির ক্ষতিগ্রস্ত ইঞ্জিন মেরামত করার খরচ সাধারণ গাড়ির তুলনায় যথেষ্ট পরিমাণ বেশি হবে.
Get instant access to your policy details with a single click.
ধাপে-ধাপে গাইড
কিভাবে কিনবেন
1
Download the Bajaj General App from App stores or click "Get Quote"
2
Register or log in to your account.
3
Enter your car details
4
You will be redirected to the Car Insurance Page.
5
Ensure to check your No Claim Discount
6
Choose right Insured Declared Value (IDV) that reflects your car value
7
Evaluate Covers, Add Ons, Optional Covers and Exclusions
8
Select a plan from the recommended options, or customize your own plan
9
Review the premium and other coverage details
10
Proceed with the payment using your preferred method
11
Receive confirmation of your purchased policy via email and SMS
কীভাবে রিনিউ করতে হবে
1
Login to the app
2
Enter your current policy details
3
Review and update coverage if required
4
Check for renewal offers
5
Add or remove riders
6
Confirm details and proceed
7
Complete renewal payment online
8
Receive instant confirmation for your policy renewal
How to Claim
1
Download our Bajaj General App on Android or iOS
2
Register or login to use Motor On the spot claim for a smooth process
3
Enter your policy and accident details (location, date, time)
4
Save and click Register to file your claim
5
Receive an SMS with your claim registration number
6
Fill in the digital claim form and submit NEFT details
7
Upload photos of damaged parts as instructed
8
Upload your RC and driving license
9
Receive an SMS with the proposed claim amount
10
Use the SMS link to agree/disagree with the claim amount
11
Agree to receive the amount in your bank account
12
Track your claim status using the Bajaj General App
আরও জানুন
1
For any further queries, please reach out to us
2
Toll Free : For Sales :1800-209-0144
3
Email ID: careforyou@bajajgeneral.com
● Visit the official Bajaj General Insurance website
● Choose a comprehensive car insurance plan
● Select “Engine Protection Cover” as an add-on
● Enter your vehicle and personal details
● Get a quote and proceed to payment
● The policy with an add-on will be sent digitally
When your engine gets damaged due to non-accidental reasons like waterlogging or oil leaks, you can raise a claim under the Engine Protection Cover. After inspection and verification by the insurer, your car is either repaired or the engine is replaced at a partner garage. This avoids out-of-pocket costs that are otherwise not covered under a basic policy.
● Connect with your insurer immediately after damage
● Avoid starting the car if the engine is waterlogged
● Submit the required documents and photos
● Get the vehicle inspected at a network garage
● Log in to your Bajaj General Insurance policy account
● Choose renewal and verify the car details
● Select the Engine Protection add-on again
● Pay the premium and receive the policy instantly
● Nationwide support through 7,200+ cashless garages
● Quick and easy claim process
● Protection for engine and gearbox parts
● Digital policy issuance and renewals
● Optional bundling with other useful add-ons
● High customer trust and a reliable service track record
● It’s only available with own damage or comprehensive policies
● Must be added during policy purchase or renewal—not mid-term
● Claiming is only valid if you avoid driving a damaged engine
● Costs slightly more but can save lakhs in repairs
● Always check the list of covered components and exclusions
Great coverage option
Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!
Aryan Patil
পুণে
19th Jan 2025
User friendly App
Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯
Naadiya Rafiq
মুম্বই
19th Jan 2025
Seamless Policy generation
Love the ease of getting motor insurance through Bajaj General App. Highly recommend! 🙌
Monu Dubey
চেন্নাই
19th Jan 2025
Seamless Policy generation
Caringly Yours by Bajaj General offers a fast and secure motor insurance process. Highly efficient!
Rasool Rosi
দিল্লী
19th Jan 2025
User friendly App
The Bajaj General App is ideal for motor insurance. User-friendly and dependable! 🚗
Sam Shona
মুম্বই
14th Jan 2025
সহজ রিনিউয়াল
Need to renew motor insurance? Bajaj General App makes it an effortless task. 👍
Shan Qureshi
দিল্লী
11th Jan 2025
Seamless Experience
Bajaj General App makes motor insurance renewal easy. Just a few clicks, and you're covered! 🚙
Lakshay Dhariwal
পুণে
11th Jan 2025
Economical coverages
Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘
Biju VR
বেঙ্গালুরু
23rd Dec 2024
Not always. Full coverage or comprehensive insurance covers only accidental engine damage; water ingress and oil leaks need an engine protection add-on.
Water ingress can cause a hydrostatic lock or engine failure. Without engine protection, standard insurance won’t cover repairs.
Yes, especially for new, expensive, or loan-financed vehicles in flood-prone areas—it can save you high repair costs.
You need the car’s RC, previous insurance policy (if renewing), ID proof, and car inspection photos (if requested).
Download the App Now!