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    General Insurance

    Car Insurance Renewal Online

    CarInsuranceRenewal

    Key Features

    Renew in Minutes, Drive with Confidence

    Coverage Highlights

    Know more
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    • Accidental Damage to Vehicle

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    • Third-Party Liability Coverage

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    • Theft and Fire Protection

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    • Personal Accident Cover for Drivers and Passengers

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    • Roadside Assistance and Emergency Support

    Inclusions

    What’s covered?
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    • Damage to car due to accidents, fire, or natural disasters

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    • Third-party legal liabilities for bodily injury or property damage

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    • Theft or vandalism-related losses

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    • Add-on coverage options like engine protection and zero depreciation

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    • Cashless repairs at network garages

    Exclusions

    What’s not covered?
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    • Wear and tear, mechanical or electrical failure

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    • Driving under the influence or without a valid license

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    • Consequential damages beyond policy terms

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    • Losses due to war or nuclear risks

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    • Uninsured modifications to the vehicle

    Additional Covers

    What else can you get?
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    • 24/7 roadside assistance and emergency towing

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    • Instant digital policy renewal

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    • Claim status tracking and quick settlement

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    • Dedicated customer support for queries

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    • Customised add-ons for enhanced protection

    Key Highlights

    Know more
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    • Instant Policy Renewal

    Renew your policy within minutes through a hassle-free online process.

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    • Uninterrupted Coverage

    Ensure continuous financial protection by renewing on time.

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    • Customisable Plans

    Modify coverage, add riders, or adjust policy terms during renewal.

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    • No Claim Bonus (NCB) Benefits

    Get discounts on renewal premiums for claim-free years.

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    • Flexible Payment Options

    Pay using multiple modes, including EMI options for affordability.

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    • Paperless & Digital

    Enjoy seamless policy renewal with no paperwork required.

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    • Grace Period Renewal

    Renew within the grace period to retain benefits and avoid penalties.

    What is Car Insurance Renewal Online?

    Car insurance renewal online involves extending your current car insurance policy via the internet digitally before its expiry. It is a quick and easy procedure that will ensure your car stays insured without having to visit the insurance office.

    You can renew your car insurance by entering your policy details, selecting the coverage you require, and completing the payment online. Renewing your car insurance on time ensures continued protection against accidents, theft, and natural disasters. It also helps you remain compliant with legal requirements.

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    Quick Overview

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      Online Renewal Procedure:

      1. Renew car insurance conveniently through an electronic process without having to visit any branch office.

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      Features: Know about the benefits of instant policy issuance, customization in coverage, and automatic renewal reminders.

    • 3

      Advantages: Benefit from continuous coverage, policy comparisons, discounts, secure payment, and assistance services available 24/7.

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      Premium Estimation:

      1. The effect of vehicle data, IDV, deductibles, NCB, and add-ons on the premium estimation process.

    • 5

      Coverage Options: Know about add-on covers such as Zero Depreciation, Engine Cover, Invoice Protection, and Tyre Guard.

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      Discounts: Avail NCB, online renewal, voluntary deductible, and anti-theft device discounts to reduce premiums.

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      Importance of Renewal: Ensure not to have any lapses in the policy, keep the benefits, and get financial security.

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      Documents Required: Explore the list of documents you will require for your car insurance online renewal process.  

    Read More

    Features of Car Insurance Renewal Online

    Four-wheeler insurance renewal online is quick, paperless, and cost-effective. It allows you to compare quotes, customize your policy with add-on covers, and receive your renewed policy instantly, all through a seamless online process.

    What are the Benefits of Car Insurance Renewal?

    The benefits of car insurance policy renewal online include 24/7 assistance, attractive deals and discounts, easy policy comparison and more. Here are the nine benefits of four-wheeler insurance renewal online:

    Additional Coverage Options for Car Insurance

    Understanding this additional coverage for car insurance, you can enhance your plan at the time of car policy renewal. Here are some of the additional coverage options for car insurance offered by Bajaj General Insurance:

    How to Calculate Car Insurance Premium?

    The calculation of your car insurance premium entails estimating your insurance costs according to various factors related to your vehicle and the coverage you want.
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    1. Collect information regarding your vehicle, including registration number, make and model, variant, and the manufacturing year.
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    1. Find out the IDV or Insured Declared Value of your car, indicating its current market value.
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    1. Choose the kind of cover that you require, whether Third Party Liability or Comprehensive Car Insurance.
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    1. Consider the applicability of your NCB (No Claim Bonus) if you have not filed any claims under your previous policy.
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    1. Choose a voluntary deductible amount to pay, since a higher deductible amount may bring down the premium.
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    1. Pick additional cover options like Zero Depreciation, Engine Cover or Roadside Assistance if needed.
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    1. Estimate your car insurance premium using the car insurance premium calculator available online.
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    1. Observe your final premium cost, including all taxes, before renewing the policy.
     

    Factors Affect Car Insurance Premium?

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      Vehicle Type and Model:

      1. The type, model, variant, year, and engine size of your vehicle play an important role in determining the premium paid.

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      Insured Declared Value (IDV): An Insured Declared Value that is high results in higher premium payments, and a low IDV leads to reduced premiums.

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      Place of Registration: The registration place of the vehicle affects the premium that you will pay, as metropolitan city vehicles fetch higher premiums.

    • 4

      Type of Cover Selected: The premium also depends on your chosen coverage. Comprehensive cover is costlier than third-party insurance since it offers greater coverage.

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      No Claim Bonus (NCB): A claim-free year gives you a No Claim Bonus. This further helps you to save on your future premium payments.

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      Add-ons: Add-ons like zero depreciation, engine damage cover, roadside assistance, and more raise your premium. However, it also offers extra protection.

    Read More

    How to Reduce Your Car Insurance Premiums?

    A few wise decisions can go a long way in helping save money on your car insurance without neglecting the coverage. Below are some useful tips that will ensure reduced premiums, but at the same time provide adequate coverage for your vehicle.

    Here is how you can reduce car insurance premiums: 

    Why is Immediate Insurance Renewal for Your Car Important?

    Receiving a renewed car insurance policy on time is extremely important to ensure that your coverage does not get interrupted in any way. This is because:
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    1. It safeguards you from suffering any loss due to accidents, theft, natural disasters, and other such events.
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    1. Ensures there is no interruption in the coverage you have for third-party liabilities and damage to your insured car.
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    1. Keeps you away from the troubles of having lapses in your policies and getting penalties.
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    1. Allows you to keep your No Claim Bonus (NCB) intact to lower your premiums in the future.
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    1. It keeps you in compliance with the law in relation to motor insurance.
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    1. Lets you renew your policy easily with the help of Bajaj General Insurance Limited.
     

    Why to Renew Car Insurance Online from Bajaj General?

    Opting for Bajaj General Insurance for the 4-wheeler insurance renewal online will provide you with convenience, excellent assistance, and some great benefits. Here is why you should choose us, Bajaj General Insurance: 
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    1. 24x7 assistance for any queries regarding the policy, claim processing, or information anytime you require.
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    1. Save on premiums by keeping your eligible No Claim Bonus intact while switching insurers.
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    1. Take advantage of cashless garages available all across the country for vehicle repair without paying in advance for the damage covered under your policy.
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    1. Enjoy assistance in case of any emergency, such as a flat tyre, a dead battery, towing needs, and much more.
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    1. Renew your car insurance policy online without visiting any branches.
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    1. Have access to a wide network of partner garages for servicing and repair of your vehicle.
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    Online renewal ensures continuity of your insurance cover in the event of any unforeseen circumstances and keeps you safe from liabilities.
     

    Step-by-Step Guide

    To help you navigate your insurance journey

    How To Buy

    • 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

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      You will be redirected to the Car Insurance Page.

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      Ensure to check your No Claim Discount

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      Choose right Insured Declared Value (IDV) that reflects your car value

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      Evaluate Covers, Add Ons, Optional Covers and Exclusions

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      Select a plan from the recommended options, or customize your own plan

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      Review the premium and other coverage details

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      Proceed with the payment using your preferred method

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      Receive confirmation of your purchased policy via email and SMS

    How To Renew

    • 1

      Login to the app

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      Enter your current policy details

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      Review and update coverage if required

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      Check for renewal offers

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      Add or remove riders

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      Confirm details and proceed

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      Complete renewal payment online

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      Receive instant confirmation for your policy renewal

    How to Claim

    • 1

      Download our Bajaj General App on Android or iOS

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      Register or login to use Motor On the spot claim for a smooth process

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      Enter your policy and accident details (location, date, time)

    • 4

      Save and click Register to file your claim

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      Receive an SMS with your claim registration number

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      Fill in the digital claim form and submit NEFT details

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      Upload photos of damaged parts as instructed

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      Upload your RC and driving license

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      Receive an SMS with the proposed claim amount

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      Use the SMS link to agree/disagree with the claim amount

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      Agree to receive the amount in your bank account

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      Track your claim status using the Bajaj General App

    Know More

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      For any further queries, please reach out to us

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      Toll Free : For Sales :1800-209-0144

    • 3

      Email ID: careforyou@bajajgeneral.com

    Important Considerations for Car Insurance Policy Renewal

    Before renewing your car insurance policy, there are some factors which need to be analysed to safeguard the benefits, protection, and value that you will derive from your insurance cover. Below are the issues that need to be considered when renewing your policy.

    These are the factors that you sshould look into before renewing the car insurance policy, including:

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    1. Check the amount of sum insured and whether it covers your vehicle effectively.
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    1. Increase the sum insured in case you need more coverage.
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    1. Analysing add-ons to increase policy protection.
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    1. Examine whether cashless garages are available in your locality.
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    1. Knowing the claim process of the insurer and how long it takes to settle claims.
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    1. Transferring the No Claim Bonus to get better discounts.
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    1. Ensuring your policy covers natural calamities, theft, and accidents.
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    1. Analysing the third-party coverage and other benefits offered by the policy.
     

    Download Policy Document

    Get instant access to your policy details with a single click.

    Documents Required to Renew Car Insurance

    These are some of the important documents you need to renew car insurance:
    1
    1. Details from the existing car insurance policy or policy number.
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    1. Registration Certificate (RC).
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    1. The previous car insurance policy document.
    4
    1. Identity proof, if needed by the insurer.
    5
    1. Make, model, and manufacturing year of the car.
    6
    1. Details regarding No Claim Bonus (NCB), if any.
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    1. Inspection report or images of the vehicle, if asked for.
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    1. Contact information, including phone number and email address.
     

    FAQs

    When Should I Renew My Car Insurance?

    Renew your car insurance at least 7-15 days before expiry to avoid grace period charges and ensure continuous coverage.

    Do I Get a Grace Period on My Existing Car Insurance Policy?

    Yes. generally, insurers give a grace period for renewing your existing car insurance policy. When you renew the policy within this period, you get the No Claim Bonus (if applicable). We, at Bajaj General, give you a grace period of 30 days only on third-party insurance.

    On What Factors Does the Car Insurance Premium Depend upon Renewal?

    Your car’s type, age, engine capacity, model, and claims history among others are some essential factors on which the renewal premium amount depends.

    Can I Renew the Four Wheeler Car Insurance Policy Online?

    Yes, you can. We, at Bajaj General, have taken the car renewal process online. Log onto our website www.bajajgeneralinsurance.com and click on the ‘Renew Online’ tab at the top right corner. Follow the processes as directed to renew your policy.

    What Documents are Required for Renewal of Car Insurance Policy?

    Your vehicle’s registration number, Documents with your details such as (age, name, DOB) etc, Driving license information, Existing Policy Details.

     

    Can I change my car insurance company during renewal?

    Yes, you can switch insurers during renewal. However, compare benefits, claim settlement ratios, and network garages before switching.

     

    What happens if I miss my car insurance renewal date?

    You have a 90-day grace period to renew your policy. However, late renewal may result in penalties and loss of NCB benefits.

     

    How is car insurance renewal premium calculated?

    Premium depends on IDV, NCB discount, add-ons selected, claim history, and vehicle age. Use our premium calculator for accurate quotes.

    Will my No Claims Bonus be transferred if I renew my motor insurance?

    You may be able to transfer your No Claims Bonus (NCB) when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better NCB options and discounts.

    What is premium reduction process if no claim aquired previously?

    The no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for people who have long-term insurance policies with the same company.

    Where can I initiate a claim?

    You can use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

    How do I register my claim?

    Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is best to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Bajaj General app to claim your insurance in just a few easy steps.

    What is a "deductible" or "compulsory excess" in motor insurance?

    Deductible is the amount a policyholder pays out of their pocket before your insurance coverage kicks in; a higher deductible usually means a lower premium.

    Why does my vehicle insurance premium change during renewal?

    Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

    How NCB is calculated at the time of renewal?

    No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

    What is a break in insurance?

    The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

    When is vehicle inspection mandatory in motor insurance?

    Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

    Can I change my motor insurance provider at renewal?

    Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.

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    What Our Customers Say

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