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    Motor Insurance

    Comprehensive Car Insurance

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    Get Up To 85% Off*

    Road trips, commutes, or quick errands—protection that follows you everywhere

    Coverage Highlights

    Get comprehensive coverage for your car
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    • Premium

    Starting from INR 2094*

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    • Cashless Garages

    7,200+ network garages for hassle free services

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    • Own Damage Cover

    Covers damage to your car due to accidents, fire, theft and natural calamities

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    • Third Party Liability

    Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

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    • Personal Accident Cover

    Starting from INR 15 Lacs

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    • No Claim Bonus

    Up to 50%

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    • Optional Covers

    Wide range of Add Ons

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    • 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

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    • 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?
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    • 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.

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    • 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

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    • Accidents

    Damages and losses that arise out of accidents and collisions

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    • Natural or Man-Made Disasters

    Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism

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    • Fire Damage

    Damages and losses if your car catches fire or explodes

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    • Theft

    Financial losses when your car is stolen

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    • In Transit Damage

    If your car is damaged while being transported, this covers the repair costs

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    • Personal Accident

    Coverage if your car accident results in death or disability of car owner

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    • Add-On Covers

    Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage

    Exclusions

    What’s not covered?
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    • Intentional Damage

    Any damage caused to the car intentionally

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    • Depreciation

    Normal wear and tear of the car due to usage and depreciation in value is not covered

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    • Mechanical or Electrical Breakdown

    If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

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    • 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

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    • 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.

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    • War-related Damages

    Losses caused by war or nuclear risks are not covered

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    • Overloading the Vehicle

    If you exceed the weight or passenger limit specified for your car, leading to an accident.

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    • Unauthorised Vehicle Modifications

    If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

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    • Racing or Speed Tests

    If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied

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    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
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    • 24x7 Road Side Assistance

    Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

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    • Consumable Expenses

    Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

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    • 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

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    • 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

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    • No Claim Bonus Protector

    Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

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    • 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

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    • Conveyance Benefit

    If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

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    • Engine Protector

    Covers financial losses incurred due to damage to your car engine

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    • Return to Invoice (RTI) Cover

    Recover invoice value of your car back in case of theft or total loss

    What Is Comprehensive Car Insurance?

    Comprehensive car insurance covers extensive damage to the vehicle, the individual, and the third party involved in an accident. Also known as the Private Package Policy of Bajaj General Insurance, it protects a vehicle against natural disasters, theft, vandalism and fire.

    Unlike a third-party insurance cover, which is a mandatory coverage as per the Motor Vehicles Act (1988), a comprehensive policy is optional. New and high-value car owners and frequent drivers should choose this cover as it offers 360° protection.

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    Quick Overview

    • 1

      Advantages: Comprehensive vehicle insurance offers financial cover for personal accident, damages incurred to the vehicle due to accidents, and other events.

    • 2

      Key Features: The policy has extensive coverage, cashless claim availability, flexibility, convenient customisation, and no claim bonus benefits.

    • 3

      Ideal For: A comprehensive auto insurance is ideal for new car owners, city dwellers who ride in heavy traffic, novice drivers, and frequent travellers.

    • 4

      Coverage Details: Besides protecting you from third-party liability and accidental damage, it offers a wide range of add-ons that extend vehicle protection by multiple folds.

    • 5

      Claim Process: A cashless claim mandates repair at a network garage; a reimbursement claim requires you to submit all bills and invoices.

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      Considerations: Evaluate your driving patterns, car usage frequency, and risks beforehand. Plus, compare various plans based on the premiums, add-ons, and claim support.

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      Policy Exclusions: A private car insurance policy does not cover regular wear and tear, intentional damage, depreciation, mechanical or electrical breakdown, and war-related damages.

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      Add-ons: Comprehensive car insurance offers a range of add-ons that extend your vehicle protection, including zero depreciation, lock and key replacement, and more.

    Read More

    Importance of Car Insurance in Comprehensive Insurance Coverage

    A comprehensive four-wheeler insurance shields your vehicle from accident-related risks. Check out the details on why you need to consider comprehensive car insurance in India:

    1

    Extensive Protection

    A comprehensive policy extensively covers personal accidents leading to death or permanent disability, legal liability for third-party bodily injury and property damage, and own vehicle damage caused by accidents, typhoons, hurricane, storm, frost, fire and theft.

    2

    Highly Customisable

    Unlike third-party motor insurance, which comes with a standard third-party cover and is hard to customise, comprehensive car insurance in India is highly customisable. You can modify the policy with add-ons, such as zero depreciation, consumables cover, etc.

    3

    Defense Protection Against Non-Collision Events

    With a comprehensive plan, you can avail cashless benefits coverage for non-collision events that include theft, vandalism, and natural disasters. Simply bring your car to a network garage hospital, and the insurer will cover all the repair charges applicable.

    4

    Ensures Peace of Mind

    Purchasing full coverage car insurance ensures peace of mind by saving your finances. Moreover, if you are confident in your driving pattern and feel minimal chances of making a claim, you can lower your premiums by choosing higher deductibles.

    5

    Covers Damage Beyond Repair

    If your vehicle damage is beyond repair, making the repair costs exceeding 75% to 80% of the Insured Declared Value (IDV), a comprehensive cover will allow you to have the IDV, subtracting the standard depreciation.

    6

    No Claim Bonus Benefits

    In No Claim Bonus, the insurance company rewards the policyholder every consecutive year for not making a claim. With the help of NCB, policyholders can significantly reduce car insurance premiums during renewal.

    Key Benefits of Comprehensive Car Insurance

    The following are some of the key benefits of comprehensive auto car insurance :

    1

    Disaster Damage Protection

    Whether it is a natural disaster, such as a flood, storm or frost, or a man-made disaster, such as a riot or fire, comprehensive motor insurance provides 360° protection to your vehicle.

    2

    Cashless Vehicle Repairs

    A comprehensive cover allows policyholders to avail cashless benefits if they choose a network garage for repair. The insurer directly pays the repair costs to the network garage.

    3

    Third-Party Liability Cover

    If an accident is caused by the insured car and results in bodily injury or property damage to a third party, comprehensive car insurance can cover the legal as well as financial charges.

    4

    Theft and Total Loss Coverage

    In case an insured car gets stolen or damaged by a natural disaster or theft man-made, disaster, a comprehensive plan can cover the incurred expenses after comparing the car cost against the vehicle’s IDV.

    5

    Wide Range of Add-ons Availability

    You can extend your policy coverage with minimal addition to the premium. The most common add-ons under a comprehensive car insurance policy are zero depreciation, NCB, roadside assistance, loss of key, etc.

    6

    Holistic Protection

    With comprehensive car insurance, you get third-party coverage, along with own damage and personal accident coverage. It will provide holistic protection not only to your vehicle, but also to you.

    Comprehensive Car Insurance at a Glance

    Here are the key features of a comprehensive motor insurance:

    Sr. No. Feature What is it?

    1

    Policy Period

    Policy period is the time frame during which the vehicle remains protected. It usually stays valid for 12 months.

    2

    Compulsory Personal Accident Damage

    If a policyholder dies or becomes permanently disabled due to an accident, the insurer pays the sum insured amount.  

    3

    Fire and Theft Damage

    In case a vehicle is damaged due to an event of fire or is stolen, the comprehensive cover compensates the policyholder.  

    4

    Add-ons

    Zero depreciation, roadside assistance, and consumables coverage are some of the most common add-ons policyholders choose. 

    5

    Liability to third party

    If an insured vehicle becomes the reason for another person’s property damage, the package policy covers legal expenses. 

    6

    Own Damage

    Repair costs of damage to the insured vehicle due to natural or man-made disasters are covered, depending on the sum insured amount.

    Who Should Buy Comprehensive Car Insurance?

    If you are wondering whether comprehensive vehicle insurance is suitable for you, check the following description.

    1

    New Car Owners

    Insurance experts highly recommend that new car owners purchase a comprehensive plan since it will help them protect their cars from day one.

    2

    Metro City Dwellers

    Those living in metro cities, who undergo heavy traffic, congestion, and rough roads regularly, will benefit from covering their cars with a comprehensive plan, which will protect against potential liabilities and damages.

    3

    Novice Drivers

    Young and novice drivers, who have less driving experience, must choose comprehensive four-wheeler insurance. It will provide financial protection in case of an unfortunate mishap.

    4

    Frequent Commuters

    Frequent travellers can consider choosing bumper to bumper car insurance as their trusted companion. This type of cover will help them to enjoy their rides in a stress-free manner.

    5

    High-end Luxury Car Owners

    Those who own luxury cars must choose comprehensive car insurance. Since these types of vehicle parts are expensive, without a proper insurance cover, the owners have to bear high out-of-pocket charges.

    6

    Financed Car Owners

    Car owners who bought their cars on loan should choose comprehensive insurance. The lenders require this type of coverage to protect the vehicle’s value until the loan is fully paid off.

    Difference Between Third-Party and Comprehensive Car Insurance

    The main difference between a third-party and comprehensive car insurance lies in the [AG1] [LS2] coverage they offer. Let us look at the details in the following section:

    Parameters Third-Party Car Insurance Comprehensive Car Insurance

    Coverage 

    Only protects for damages incurred by the insured car to a third party's bodily injury, property damage or vehicle damage.  

    Offers extensive protection including personal accident, insured car damage and third-party liability

    Premium 

    Comparatively cheaper and has a standard premium set by the IRDAI

    Higher premium and varies from one insurer to another

    Legally Mandatory

    Yes, it is mandatory for all vehicle owners in India

    No, it is optional

    Flexibility of Customisation

    Not flexible; therefore, only standard coverage is expected

    Flexible, so policyholders can extend the coverage with multiple add-ons

    Who Should Choose

    All vehicle owners

    Ideal for new luxury and high-end car owners, frequent travellers, and city dwellers

    Limitations

    No NCB is applicable

    NCB applies if the policyholder maintains safe driving habits and does not make a claim throughout a policy year

    How Your Car's Insured Declared Value (IDV) is Calculated

    A vehicle’s IDV refers to the maximum amount the insurer pays in case it is stolen or totalled. While determining IDV, insurers look at the ex-showroom price and adjust it for depreciation depending on its age and the cost of accessories.   

    Here is how:

    Basis for Arriving at Insured Declared Value (IDV) of the Insured Vehicle:

    Sr. No. Name of the Product BAP UIN

    1

    Private Car Package Policy

    IRDAN113RP0025V01200102

    2

    Private Car Policy - Bundled

    IRDAN113RP0007V01201819

    3

    Standalone Own Damage Cover for Private Car

    IRDAN113RP0001V01201920

    4

    Private Car Package Policy – 3 Years

    IRDAN113RPMT0001V01202425

    5

    Two Wheeler Package Policy

    IRDAN113RP0026V01200102

    6

    Long Term Two Wheeler Package Policy

    IRDAN113RP0008V01201617

    7

    Two Wheeler Policy – Bundled

    IRDAN113RP0008V01201819

    8

    Standalone Own Damage Cover for Two Wheeler

    IRDAN113RP0002V01201920

    9

    Two Wheeler Package Policy – 5 Years

    IRDAN113RPMT0018V01202425

    10

    Commercial Vehicle Package Policy

    IRDAN113RP0027V01200102

    11

    Motor Trade Internal Risk

    IRDAN113RP0039V01200102

    12

    Motor Trade Package Policy

    IRDAN113RP0038V01200102

    The list of products specified in the list above is governed by the Indian Motor Tariff.

    The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'Sum Insured', and it will be fixed at the commencement of each policy period for each insured vehicle.

    The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of the Policy. The IDV shall change according to the depreciation grid below for each block of one year within the policy period.

    How Total Loss (TL) and CTL are Determined?

    When a vehicle is damaged beyond repair, or has been stolen, it is called total loss. In contrast, if a vehicle’s aggregate repair and retrieval cost goes beyond 75%, then it is called constructive total loss. Insurers evaluate total loss (TL) and constructive total loss (CTL) in the following manner:

    Age of Vehicle % of Depreciation for Fixing IDV

    Not exceeding 6 months

    5%

    Exceeding 6 months but not exceeding 1 year

    15%

    Exceeding 1 year but not exceeding 2 years

    20%

    Exceeding 2 years but not exceeding 3 years

    30%

    Exceeding 3 years but not exceeding 4 years

    40%

    Exceeding 4 years but not exceeding 5 years

    50%

    The IDV arrived as per the above method may be further adjusted basis various factors such as location, make and model etc, with agreement of the Insured and as captured in the Policy Schedule.

    The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.

    IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined based on mutual agreement between the Insurer and the Insured.

    IDV shall be treated as the Market Value throughout the Policy Period without any further depreciation for Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.

    Factors Affecting the Cost of Comprehensive Car Insurance

    The premium for a comprehensive car insurance policy depends on several factors that influence the insurer’s assessment of risk. Key factors include:

    Sr. No. Factors Description

    1

    Vehicle Make and Model

    High-end and luxury cars generally attract higher premiums due to expensive repair and replacement costs.

    2

    Insured Declared Value (IDV)

    A higher IDV increases the premium as it represents the maximum compensation payable for vehicle loss or damage.

    3

    Vehicle Age

    Older vehicles may have lower IDVs but can sometimes incur higher maintenance-related risks.

    4

    Geographical Location

    Cars registered in areas with high traffic density, accident rates, or theft incidents may attract higher premiums. Premiums also change for metro & non-metro cities.

    5

    Engine Capacity

    Vehicles with larger engine capacities often have higher insurance costs.

    6

    No Claim Bonus (NCB)

    Policyholders with a claim-free history can enjoy discounts that reduce premium costs.

    7

    Add-on Covers Selected

    Additional protections increase coverage and, consequently, the premium amount.

    8

    Driving History

    Drivers with a clean record are generally considered lower risk.

    9

    Voluntary Deductibles

    Opting for a higher deductible can help reduce the premium payable.

    10

    Anti-Theft Devices

    Approved security devices may qualify the vehicle owner for premium discounts.

    Add-on Covers Under a Comprehensive Car Insurance Policy

    The following add-ons you can choose to extend the protection of your comprehensive car insurance policy:

     

    1

    Zero Depreciation Cover

    Get claim settlements without factoring in depreciation on selected vehicle parts, helping reduce out-of-pocket expenses during repairs after an insured accident with the Depreciation Shield.

    2

    Engine Protection Cover

    Engine Protector Provides financial protection against engine damage caused by water ingress, lubricant leakage, or other covered incidents not typically included under standard policies.

    3

    24/7 Roadside Assistance Cover

    24X7 Spot Assistance Offers emergency support services such as towing, battery jump-start, fuel delivery, flat tyre assistance, and minor repairs during breakdown situations.

    4

    Consumables Cover

    Consumable Expenses Covers the cost of consumable items like engine oil, nuts, bolts, screws, grease, and lubricants that are usually excluded from standard claims.

    5

    Return to Invoice Cover

    Compensates the difference between the vehicle’s invoice value and claim amount in case of total loss or theft, subject to policy terms.

    6

    Key and Lock Replacement Cover

    Provides reimbursement for expenses incurred in replacing lost, stolen, or damaged vehicle keys, including lockset replacement where applicable.

    7

    Personal Baggage Cover

    Offers protection for loss or damage to personal belongings kept inside the insured vehicle due to covered events specified in the policy.

    8

    Tyre Protection Cover

    Tyre Safeguard Covers repair or replacement expenses arising from accidental tyre damage, helping reduce unexpected maintenance costs associated with tyre-related incidents.

    9

    Conveyance Benefit

    When a vehicle is undergoing repair after an accident, the policyholder may require alternative transportation to commute. Reimbursements from this add-on cover the alternative transportation charges.

    Why Choose Bajaj General for Third-Party Car Insurance?

    The following are the reasons why you need to choose a Private Car Package Policy from Bajaj General Insurance:

    1

    Hassle-Free Policy Purchase

    Buy or renew your third-party car insurance policy online through a simple and convenient process designed to save time and effort.

    2

    Quick Online Renewals

    Enjoy seamless policy renewal options that help maintain uninterrupted third-party insurance coverage and ensure compliance with legal requirements.

    3

    Wide Network Support

    Benefit from extensive service support and assistance channels that help address policy-related queries and insurance requirements efficiently.

    4

    Easy Claim Assistance

    Access dedicated claim support services to guide you through the claims process and help ensure a smoother experience.

    5

    Trusted Insurance Provider

    Choose an insurer with years of experience in offering motor insurance solutions tailored to the needs of vehicle owners.

    6

    Affordable Premium Options

    Third-party car insurance plans are designed to provide legally required coverage at premiums regulated according to applicable guidelines.

    7

    Digital Policy Management

    Manage policy documents, renewals, and service requests online through convenient digital platforms and self-service options.

    8

    Customer-Centric Services

    Receive support through multiple communication channels, ensuring policyholders can access assistance whenever required.

    9

    Regulatory Compliance Coverage

    Stay compliant with mandatory motor insurance regulations by securing third-party liability coverage that protects against legal liabilities arising from accidents.

    Why Insure Your Car with Bajaj General?

    Buy Now
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    Affordable Premium

    Wide range of plans that suit your pocket

    Tailored Plans

    Customise the coverage as per your needs
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    7200+ Cashless Garages

    Network of garages for hassel-free repairs

    Quick Claim Settlement

    Easy claim settlement process

    Easy Renewal

    Continued coverage for your vehicle
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    24x7 Assistance

    Round the clock dedicated support team

    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

    • 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

    Buy Now

    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

    Renew Now

    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

    Claim Now

    Know More

    • 1

      For any further queries, please reach out to us

    • 2

      Toll Free : For Sales :1800-209-0144

    • 3

      Email ID: careforyou@bajajgeneral.com

    Contact Us

    Download Policy Document

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

    brochure

    Brochure
    -

    Policy Wordings
    -

    Proposal Form
    -

    Claims Form
    -

    Customer Info Sheet
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    What are the Third-Party Car Insurance Terms You Need to Know About?

    • 1

      Third-Party Liability: It is part of the comprehensive car insurance policy. If an insured vehicle is involved in bodily injury, death, or property damage to a third party, the plan will compensate for legal liabilities.

    • 2

      Zero Depreciation: It is an add-on under a bumper-to-bumper car insurance policy that allows policyholders to receive the full amount while replacing vehicle parts. This cover allows you to reduce out-of-pocket charges.

    • 3

      Premium: The premium is the amount paid to the insurer to keep the policy active. For third-party car insurance, premium rates are generally determined according to applicable regulatory guidelines and vehicle specifications.

    • 4

      Insured Vehicle: The insured vehicle refers to the car covered under the insurance policy. The details of the vehicle, including registration number, make, model, and engine specifications, are mentioned in the policy document.

    • 5

      Third Party: A third party is any person other than the policyholder and insurer who suffers injury, death, or property damage due to an accident caused by the insured vehicle.

    • 6

      Certificate of Insurance: The Certificate of Insurance is an official document that serves as proof of valid motor insurance coverage. Drivers may need to present this document during inspections or legal verification processes.

    • 7

      Own Damage: Own damage cover allows policyholders to have compensation from their insurers in case their vehicle gets damaged due to fire, explosion, collision, man-made or natural disasters.

    • 8

      No Claim Bonus: No Claim Bonus in car insurance enables policyholders to earn incentives for safe driving. Even when you switch to a different insurance provider, you can forward the earned NCB to the new policy.

    • 9

      Policy Period: The policy period refers to the duration for which the insurance coverage remains valid. Coverage begins from the policy start date and ends on the expiry date unless renewed.

    • 10

      Motor Accident Claims Tribunal: The Motor Accident Claims Tribunal (MACT) is a legal body that handles compensation claims arising from motor vehicle accidents. It plays a key role in determining liability and awarding compensation in eligible cases.

    Read More

    FAQ's

    Is comprehensive car insurance different from zero depreciation car insurance?

    Both of these are entirely two different concepts. A comprehensive plan is a type of car insurance policy whereas a zero depreciation is an add-on cover. An add-on cover is included in the existing car insurance policy making it more comprehensive.

    Is comprehensive car insurance a good idea for an old car?

    It depends on how old the car is, its usage of it, and how long one plans to use it. If the car is under 15 years old and is used regularly consider investing in a comprehensive plan. Opting for a comprehensive plan is anyway a better idea for maximum security throughout.

    What is the best time to buy comprehensive car insurance?

    The day you become a car owner, you must have a car insurance policy in place. In case you only have a third-party liability cover, ensure to opt for a comprehensive cover to ensure financial safety before plying on Indian roads.

    Can comprehensive car insurance be expensive?

    When compared to third-party insurance, comprehensive vehicle insurance tends to be more expensive. However, when compared to the benefits it offers, monetary terms remain a secondary aspect.

    Is it possible to buy comprehensive car insurance online?

    Yes, as per the requirements you may choose the suitable Bajaj General car insurance plan online.

    Is buying comprehensive car insurance online safe?

    To ensure maximum safety, you may consider buying the car insurance plan online directly from the insurance company’s website.

    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.

    Can I calculate my comprehensive insurance premiums?

    To calculate the comprehensive vehicle insurance premium you may use the insurance premium calculator online.

     

    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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    Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!

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    5

    19th Jan 2025

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    Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯

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    19th Jan 2025

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    Love the ease of getting motor insurance through Bajaj General App. Highly recommend! 🙌

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    14th Jan 2025

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    Need to renew motor insurance? Bajaj General App makes it an effortless task. 👍

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    11th Jan 2025

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    Bajaj General App makes motor insurance renewal easy. Just a few clicks, and you're covered! 🚙

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    11th Jan 2025

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    Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘

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    Biju VR

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    23rd Dec 2024

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