Car Insurance Claim Process For Motor OTS Feature

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.

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.*

Boost your policy with add-ons like zero depreciation, roadside assistance, engine protection, and consumables cover for extra security and lower expenses.

Register and settle car insurance claims in minutes via our Bajaj General App—straight from the accident spot.

Access 7,200+ network garages for smooth repairs.

Round-the-clock support to keep you moving—help is just a call away.

If your car causes an accident leading to injury or death, we cover the exact compensation as determined by the court.

Covers damages to third-party property caused by your car, up to the sum insured limit.

Protects your car against accidental damage, fire, theft, and natural disasters like floods or earthquakes, ensuring financial relief for repairs or replacement.

Covers damages caused by floods, cyclones, earthquakes, riots, or vandalism.

Compensates for vehicle loss due to theft, based on the insured declared value (IDV).

Pays for repairs if your car is damaged during transportation.

Provides financial security in case of death or disability due to a car accident. Sum insured starts from ₹ 15 lakh.

Enhance your policy with add-ons like zero depreciation, roadside assistance, and engine protection for extra peace of mind.

Any damage caused to the car intentionally

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

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

Your insurance policy is only valid within India. If your car meets with an accident outside the country, your claim will be rejected.

Losses caused by war or nuclear risks are not covered

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

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

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

If a private vehicle is used for business or commercial activities and gets damaged, the claim may be denied

Please read policy wording for detailed exclusions

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

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

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

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

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

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

Covers financial losses incurred due to damage to your car engine

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

Covers the cost of replacing lost or stolen car keys, including lock replacement if required