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Motor Insurance
Car Insurance in Delhi
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
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 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?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
Accidents
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
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
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
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
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
Pay As You Consume
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
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
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
Driving through Delhi’s high-traffic roads demands a dependable car insurance policy. Whether you’re navigating congested city lanes or parking in busy areas, car insurance in Delhi ensures you stay financially protected from accidents, theft, and unforeseen events. To secure peace of mind, choose the best car insurance in Delhi that offers comprehensive protection and a vast cashless garage network. Bajaj General Motor Insurance provides such coverage, backed by prompt claim assistance and access to 7,200+ cashless garages across India. For new purchases or car insurance renewal in Delhi, opt for a policy that keeps you covered through every journey.
Why Should You Buy Car Insurance in Delhi?
Delhi’s dense traffic, extreme weather, and high accident rates make car insurance a necessity. Legally, every vehicle must have at least third-party cover, but comprehensive insurance offers broader protection. It covers own-damage, third-party liabilities, personal accident protection, and add-ons like zero depreciation or engine protection. Choosing a policy ensures quick claim settlement, roadside assistance, and extensive garage support. Whether you’re purchasing a new car or considering car insurance renewal in Delhi, having a reliable policy offers financial relief in times of unexpected mishaps and helps maintain vehicle value over time.
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Car Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | 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 |
| Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| Add-on: No Claim Bonus | No | No | No | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Car with Bajaj General?
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Features of Buying Car Insurance in Delhi
Opting for car insurance in Delhi provides you with a range of features tailored to city driving conditions. With Bajaj General Motor Insurance, you can benefit from:
● Comprehensive coverage against accidents, theft, fire, and natural disasters
● Third-party legal liability coverage
● 24x7 roadside assistance services
● Personal accident cover for the owner-driver
● Optional add-ons such as engine protection, return to invoice, and zero depreciation
● Hassle-free digital policy issuance and renewal
● Access to 7,200+ cashless garages across India
These features ensure that you enjoy smooth claims, financial protection, and peace of mind every time you drive in Delhi.
Benefits of Buying Car Insurance in Delhi
The best car insurance in Delhi offers numerous advantages beyond legal compliance. A comprehensive policy protects your vehicle from damages caused by accidents, floods, or theft. You also benefit from third-party liability coverage, safeguarding you against legal and financial burdens.
With Bajaj General Motor Insurance, enjoy fast claim processing, digital services, and customer support. The No Claim Bonus (NCB) rewards safe driving with premium discounts. Additional perks include towing services, key and lock replacement, and cashless repairs at authorised garages. Whether it’s for a new vehicle or car insurance renewal in Delhi, the right plan ensures coverage tailored to urban challenges and driver preferences.
Types of Car Insurance Policies in Delhi
There are primarily two types of car insurance in Delhi:
● Third-party liability insurance: Mandatory by law, this covers injuries or property damage caused to a third party.
● Comprehensive insurance: This offers all-inclusive coverage, protecting against own damage, theft, fire, natural calamities, and third-party liabilities.
Bajaj General Motor Insurance provides both plans with additional customisation options. With a comprehensive policy, you can opt for valuable add-ons like engine protection, personal accident cover for co-passengers, zero depreciation, and roadside assistance. Choosing the best car insurance in Delhi means evaluating these types to ensure your vehicle and finances are well protected in all situations.
Factors Affecting Car Insurance Premiums in Delhi
Several elements determine your car insurance premium in Delhi:
● Vehicle specifications: Engine capacity, model, and age influence the premium.
● Driving history: Claim-free records often qualify for NCB discounts.
● Policy type: Comprehensive plans and add-ons increase premiums.
● Location risk: High-traffic or theft-prone areas attract higher rates.
● Add-ons: Extra features like engine cover or return to invoice add to cost.
● Usage patterns: Regular long-distance use may lead to higher premiums.
● Safety installations: Anti-theft devices or ARAI certification can reduce premiums.
Choosing Bajaj General Motor Insurance allows for flexibility in customising your plan while managing costs based on your specific driving needs in Delhi.
How Much Car Insurance Coverage You Need in Delhi?
Given Delhi’s heavy traffic and weather extremes, a comprehensive car insurance policy is advisable. It offers protection against both third-party liabilities and own damages. Add-ons like engine protection or zero depreciation enhance coverage. Assess your car’s value, usage and parking safety to decide the right coverage level.
Documents Required for Filing a Car Insurance Claim in Delhi
To file a car insurance claim in Delhi, keep these documents ready:
● Duly filled claim form
● RC copy, driving licence, and policy document
● FIR (if applicable)
● Repair bills and estimate Submit via the claims portal for swift processing.
How to Download Your Car Insurance Policy Copy in Delhi
To download your car insurance policy copy in Delhi, visit the Bajaj General website. Log in using your registered details, go to the policy section, and download the soft copy instantly. You can also access it via their mobile app for convenience.
Motor & Health Companion
Drive Confidently with Bajaj General
Experience seamless vehicle management with the Bajaj General Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
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Discover a health plan tailored just for you–get insights and achieve your wellness goals
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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1
Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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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
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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
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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)
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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
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Email ID: careforyou@bajajgeneral.com
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What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj General, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj General.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
Can I compare car insurance in Delhi before purchasing one?
Yes, comparing car insurance in Delhi before buying is highly recommended. It helps you evaluate different policies based on coverage, premiums, claim process, add-ons, and customer reviews. Online comparison tools and insurance aggregator websites make this process easy and transparent. You can compare plans from reputed insurers like Bajaj General Motor Insurance to find the one that best suits your driving needs and budget.
Which type of car insurance is best in Delhi?
For most vehicle owners in Delhi, comprehensive car insurance is the best option. It not only covers third-party liabilities as mandated by law but also protects your own vehicle against damages from accidents, theft, fire, and natural disasters. You can further enhance coverage with add-ons like zero depreciation or engine protection. If you drive regularly in Delhi’s traffic, a comprehensive plan ensures maximum financial security.
What is third-party car insurance price in Delhi?
The price of third-party car insurance in Delhi is regulated by the IRDAI (Insurance Regulatory and Development Authority of India) and depends on the engine capacity of your car. As of the latest rates, premiums typically range from ₹2,094 to ₹7,897 per year for private cars, based on engine size. This type of insurance covers third-party damages but doesn’t include your vehicle’s own damages.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
What is a Third-Party Liability Cover?
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
Differenciate Third-Party Liability and Comprehensive Motor Insurance?
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
What are the benefits of add-on covers in comprehensive insurance?
Add-on covers enhance your base policy by offering protection for parts like the engine, tyres, or consumables, and services like roadside assistance or zero depreciation claims.
Is comprehensive car insurance mandatory in India?
No, it is not mandatory. Only third-party insurance is legally required. However, comprehensive insurance offers greater financial security and is highly recommended.
How can I file a claim under comprehensive car insurance?
Notify your insurer immediately, document the damage, and submit the claim online or offline. With Bajaj General, the process is seamless and digitally enabled.
Can I customise my comprehensive car insurance policy?
Yes, most insurers offer a range of add-ons. You can tailor your policy based on your car’s usage, location, and personal preferences for enhanced coverage.
What is the difference between comprehensive insurance and third-party car insurance?
A comprehensive policy offers multiple protection covers for the vehicle and you. On the contrary, a third-party liability cover is limited to protection against a third-party claim. *Standard T&C apply
Will my no claims bonus be transferred if I renew my motor insurance?
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
What is premium reduction process if no claim aquired previously?
Certainly, 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 long-term insurance policies with the same company.
What should be my first action to initiate a claim?
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 highly appreciated 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?
It's the amount you have to pay out of 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 'no claim bonus' 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 break-in insurance? What should I do in case of break-in?
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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