Motor Insurance
Premium Starts At ₹2,094*
Car Insurance Protection That Moves With You
Coverage Highlights
Get comprehensive coverage for your CarComprehensive Protection
Your car is more than just transport—it’s part of your daily life. Our comprehensive motor insurance covers accidents, theft, natural disasters, and third-party liabilities, keeping you protected on every journey.
Drive Legal, Stay Safe
Avoid fines and legal issues—Third-Party Insurance is mandatory under the Motor Vehicles Act, covering damages to others on the road. Premiums start from ₹2,094.*
Add-On Covers
Boost your policy with add-ons like zero depreciation, roadside assistance, engine protection, and consumables cover for extra security and lower expenses.
Instant Claim Settlement
Register and settle car insurance claims in minutes via our Bajaj General App—straight from the accident spot.
Cashless Garages
Access 7,200+ network garages for smooth repairs.
24x7 Spot Assistance
Round-the-clock support to keep you moving—help is just a call away.
Inclusions
What’s covered?Third-Party Liability – Bodily Injury & Death (Unlimited Cover)
If your car causes an accident leading to injury or death, we cover the exact compensation as determined by the court.
Third-Party Liability – Property Damage (Up to ₹ 7.5 Lakh)
Covers damages to third-party property caused by your car, up to the sum insured limit.
Own Damage Cover
Protects your car against accidental damage, fire, theft, and natural disasters like floods or earthquakes, ensuring financial relief for repairs or replacement.
Natural & Man-Made Disasters
Covers damages caused by floods, cyclones, earthquakes, riots, or vandalism.
Theft Protection
Compensates for vehicle loss due to theft, based on the insured declared value (IDV).
In Transit Damage Cover
Pays for repairs if your car is damaged during transportation.
Personal Accident Cover
Provides financial security in case of death or disability due to a car accident. Sum insured starts from ₹ 15 lakh.
Add-On Covers
Enhance your policy with add-ons like zero depreciation, roadside assistance, and engine protection for extra peace of mind.
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
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 car 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
Use of Private Vehicles for Commercial Purposes
If a private vehicle is used for business or commercial activities and gets damaged, the claim may 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
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
Key Replacement Cover
Covers the cost of replacing lost or stolen car keys, including lock replacement if required
A flat tyre or engine trouble can hit the brakes on your plans without warning. But a breakdown shouldn't leave you stranded and stressed.
With car roadside assistance, you always have a backup plan. Whether it is a dead battery on a busy street or an empty tank on the highway, our 24/7 support handles the heavy lifting to get you moving again instantly.
The 24/7 roadside assistance insurance is an add-on feature called the 24x7 Spot Assistance offered by Bajaj General Insurance. With this add-on, you can seek help from us if your car is involved in an unfortunate incident while you are travelling.
For instance, Rohan decides to go on a long drive on the weekend. However, midway, he notices that your fuel tank is empty and the nearest petrol pump is 5 km away. What does he do?
This is where 24/7 roadside assistance comes in and saves the day!
Compare Car Insurance Plans Made For You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive-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 Cover | 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 |
| Additional Add-Ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
This power-packed add-on coverage offers a range of benefits to policyholders. These features help you in the following ways:
Car breakdowns can be a nuisance, especially if you have a really important meeting or a flight to catch. Moreover, if you become stranded in an unfamiliar location, the inconvenience becomes greater. But if you have an auto roadside assistance, you only need to give us a call, and we’ll assist you.
Many people feel that new cars don’t break down easily, so there is no need for roadside assistance. What’s the worst that can happen? But flat tyres don’t announce themselves before occurring. It can delay your trip, and you may not be prepared to change one or multiple tyres. Our add-on provides you with instant assistance in such situations.
Let’s go back to the story of Rohan. What he faced midway during his long trip can happen to anyone. Moreover, other situations, such as contaminated fuel, can also cause hiccups in your journey. Therefore, we provide you with the cost of refuelling your car in these situations.
Although we provide you with swift and instant roadside assistance, repairs do not exactly follow this process. So, while your car gets towed away for servicing, we provide you with free taxi or cab facilities. This helps you reach your destination without worrying about the extra transport cost.
Under the 24/7 roadside assistance, you can reach out to us to relay important messages. For example, if you become stranded in an unknown location and are unable to contact your emergency contacts, you can relay the information to us. We will act as your medium in these situations.
Imagine you are loading a wedding gift into your car and accidentally lock your car with your keys inside. That's a nightmare no one wants to witness. But even if you do, you don't have to worry. We will arrange for a spare key, and you can retrieve your original key.
Not all assistance can be provided on the road. In such an incident, we will arrange towing facilities to the nearest network garage.
Get instant access to your policy details with a single click.
Step-by-Step Guide
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 motor details
4
You will be redirected to the motor Insurance Page.
5
Ensure to check your No Claim Discount
6
Choose Insured Declared Value (IDV) that reflects your motor 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
How To Renew
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
Caringly Yours
Contact Us
1
For any further queries, please reach out to us
2
Toll Free : For Sales :1800-209-0144
3
Email ID: careforyou@bajajgeneral.com
A breakdown is never planned, but your reaction to it can be. Investing in Roadside Assistance isn't just an extra cost; it is a smart upgrade for your car’s protection.
Driving should be about the journey, not the fear of getting stuck. Whether you are on a family road trip or your daily commute, this cover ensures you never feel helpless on the road. You drive with the confidence that expert help is always just a phone call away.
Consider the cost of a single emergency tow or a mechanic's visit on a highway: it can be expensive. Roadside Assistance costs a fraction of that amount for a whole year of coverage. You pay a small premium now to avoid heavy, unexpected bills later.
When you are stranded, every minute feels like an hour. We value your time. Our 24/7 network ensures that a technician reaches your location quickly to jumpstart your battery, change a tyre, or tow your car, so you aren't left waiting on the side of the road.
As your car ages, the risk of mechanical or electrical failure increases. Even well-maintained older cars can experience sudden issues, such as engine overheating or battery failure. This cover acts as a safety net, keeping your trusted vehicle reliable regardless of its age.
Don't leave the safety of your car to chance. Invest in comprehensive car insurance with roadside assistance and enjoy smooth journeys. Moreover, you can avail other add-ons such as consumable coverage, tyre safeguard and conveyance benefits.
Install the Bajaj General Insurance app today!
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Great coverage option
Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!
Aryan Patil
Pune
19th Jan 2025
User friendly App
Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯
Naadiya Rafiq
Mumbai
19th Jan 2025
Seamless Policy generation
Love the ease of getting motor insurance through Bajaj General App. Highly recommend! 🙌
Monu Dubey
Chennai
19th Jan 2025
Seamless Policy generation
Caringly Yours by Bajaj General offers a fast and secure motor insurance process. Highly efficient!
Rasool Rosi
Delhi
19th Jan 2025
User friendly App
The Bajaj General App is ideal for motor insurance. User-friendly and dependable! 🚗
Sam Shona
Mumbai
14th Jan 2025
Easy renewal
Need to renew motor insurance? Bajaj General App makes it an effortless task. 👍
Shan Qureshi
Delhi
11th Jan 2025
Seamless Experience
Bajaj General App makes motor insurance renewal easy. Just a few clicks, and you're covered! 🚙
Lakshay Dhariwal
Pune
11th Jan 2025
Economical coverages
Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘
Biju VR
Bengaluru
23rd Dec 2024
No, claiming roadside assistance doesn’t affect your no-claim assistance. This is perhaps the only add-on which does not directly affect your no-claim bonus.
Yes, it is absolutely worth buying car roadside cover. It protects you from the financial inconvenience of minor hiccups, which can easily disrupt your daily life.
If you lose your car keys, you can use your roadside assistance to request spare keys. Bajaj General Insurance offers fast assistance in these situations.
You must transfer your insurance policy or buy a new one within 14 days after purchasing the car.
If you do not transfer the insurance policy of a used car in time, you will need to buy one on your own.
No, NCB belongs to the owner, not the vehicle, so you cannot get it after you have bought the car from its previous owner.
A lapse occurs when you do not renew your new car insurance or existing car insurance policy before expiry. You can avoid a car insurance policy lapse through online car insurance renewal on time by setting reminders to avoid losing coverage and the No Claim Bonus (NCB).
If your four-wheeler was purchased after September 1, 2018, you must renew your compulsory 3-year third-party insurance when it expires. If you are a Bajaj General Insurance Limited customer, simply enter your policy and vehicle registration numbers to start a quick, hassle-free renewal and stay protected.