Motor Insurance

At Bajaj General Insurance, we ensure that you are covered against any kind of unforeseen events and have complete peace of mind while driving/riding.

We provide access to over 7,200+ network garages across the country, allowing you to get your vehicle repaired without worrying about upfront payments or out-of-pocket expenses.

We are known for our quick digital claims. You get to experience a swift, stress-free claim settlement process through our fully digital infrastructure.

Existing policy can be customised by opting for add-on covers that include zero depreciation, engine protection, return-to-invoice coverage, and consumables protection. These additional features ensure greater coverage, lower costs and better financial security.

Feel secure while travelling with 24/7 round-the-clock roadside assistance services with Bajaj General. These services include tyre repairs, battery charging, towing services, fuel provision for your vehicle, etc.

Obtain or renew your motor vehicle insurance through a hassle-free digital procedure. With no manual paperwork required, your policy is issued in electronic form.

Get your motor insurance online from our website/app and unlock exclusive discounts on your premium. Thus, enjoy smart savings while keeping your vehicle protected!

From purchase to protection in no time. Receive your policy document in your inbox within a few minutes and hit the road with confidence.

Years of trust on the road have shaped our expertise in motor insurance. We bring reliable protection for your vehicle, helping you drive worry-free.

Choose a motor insurance plan based on your coverage needs. While third-party liability insurance is mandatory, comprehensive insurance offers wider protection by covering third-party liabilities along with damages to your own vehicle due to accidents, theft, fire and other risks.

IDV stands for Insured Declared Value, which determines the upper limit of the payout in case your car is stolen or written off. It is important to select an IDV that matches the market price of your car.

Your insurance policy can be made more effective by choosing add-ons like Zero Depreciation Cover, Roadside Assistance Cover, Engine Protector, and Return to Invoice Coverage. Choose only those add-ons that are relevant to you and your vehicle.

Check the claim settlement ratio offered by the insurer prior to buying any insurance. It means that the provider has been reliable in its performance. A high ratio will mean that the process of settling claims is efficient.

It is advisable to choose an insurance company that has a wide network of cashless garages. With this, it becomes easier for you to get repairs done without paying anything at all, as the process becomes much faster.

The deductible is the amount that you agree to pay before the insurance company settles on covering the balance of the claim. The higher the deductible, the lower the premium, but remember to pick an affordable deductible amount.

Take advantage of the No Claim Bonus that you have gained on claim-free policy years of your insurance coverage. Always take along your built-up NCB when switching insurance companies and cars to avail hefty discount savings.

Choose a motor insurance policy after comparing various policies online. It will help you to find a good balance between low premiums and adequate coverage when you know all the pros and cons of different motor insurance plans.

Read through the terms and conditions of coverage carefully before making any decision. It is important to be familiar with all the details because this will help avoid misunderstandings when claiming and know exactly what your policy covers.

Avoid making small claims and preserve your No Claim Bonus. Responsible driving pays off with premium reductions through a claim-free record, enabling you to enjoy significant savings at renewal time.

Choosing a high deductible means that you shoulder more of the expense of claim payments, reducing insurance premiums. Ensure that the deductible is reasonable even when the car undergoes unscheduled repairs.

Always compare various policies before settling on one. Consider premium cost, coverage and claim services, among others, to get the most out of the motor insurance comparison.

Vehicles fitted with approved anti-theft and safety devices pose less risk. This can help you qualify for premium discounts by reducing the chances of theft or accidental damage.

Although add-ons improve security, unnecessary ones can lead to a high premium cost. It is essential only to choose those add-ons that suit your car’s usage and risk level.

If you are not someone who travels frequently, a pay-as-you-go insurance plan will be better. In such plans, the premium is calculated based on actual vehicle usage, helping you save on insurance costs.

Instant assistance in case of sudden mechanical breakdown of your vehicle with 24x7 Spot Assistance. In addition, you also get services like towing, tyre change, fuel supply, battery jump-start, and emergency roadside assistance.

Every year, a car loses value due to depreciation, but with a 24x7 Spot Assistance cover, no such deductions are applied during a claim, ensuring you receive the full eligible amount.

Keep your NCB intact even after making a claim. With the help of this rider, premium discounts accrued on account of not making any claim can be protected.

Prevent any high-cost damage to your engine that might be caused by water infiltration and oil leaks. It helps finance repairs or replacement of any damaged engine parts.

If your vehicle is in the garage for repairs, under this cover we will pay per day cash benefit as opted in the policy. It pays for money spent on cabs for the daily commute. This ensures you are receiving transportation reimbursements and saving on out-of-pocket expenses.

In the event of irrecoverable loss of keys of the Insured Vehicle, you will be covered for the cost of replacement of keys. In event of security risk arising out of the incidence of lost keys of the Insured Vehicle, you are also covered for cost of installing new locks.

Motor insurance helps you to cover repair or replacement costs which might arise from accidents. This helps reduce the financial burden on vehicle owners and protects them from unexpected expenses.

It provides compensation in case of disability, injury or even accidental death, helping ensure financial security for their families.

Having valid motor insurance ensures legal compliance and allows the vehicle to be driven without any penalties.

Comprehensive insurance helps protect vehicles from financial loss caused by unexpected events such as floods, storms, earthquakes, burglary, vandalism or civil unrest like riots.

Motor insurance gives peace of mind because it ensures financial security for any accidents, liability issues, or unexpected occurrences, making it easier for motorists to drive without worries every day.

Mandatory insurance encourages responsible driving behaviour and ensures accountability among vehicle owners on the roads.

Renewing your policy before expiration prevents the risk of financial burden during major accidents, where you may otherwise have no insurance support to rely on.

Delaying renewal can result in higher premiums, as insurers may treat a lapsed policy as a higher risk and charge increased rates.

The No Claim Bonus is offered only to policyholders of motor insurance plans who renew their insurance on time. If you let the policy expire, the discount will be nullified.

Companies follow a standard procedure for vehicle insurance renewal, which involves an inspection to assess vehicle's condition. With this, you can determine how much insurance coverage you need to buy.

Not renewing the policy results in rejection from insurers to get motor insurance plans. Ensure a timely vehicle insurance renewal to prevent the hassle of finding a new insurance provider.

Timely renewal ensures continuous legal compliance while driving on public roads. An active policy helps avoid fines, penalties and legal complications for the vehicle owner.