Private Car Insurance Policy

Can you imagine purchasing private car insurance with up to 85% off premiums and enjoying protection everywhere - on road trips, quick runs, or daily commutes? Yes, you can get protected on all your drives!

Private car package insurance policy by Bajaj General provides unmatched care and protection for your motoring experience. This is one of the things you need against expensive costs like a breakage or third-party claims.

Unlock a private car insurance policy with robust protection at an affordable price. No more out-of-pocket expenses! Enjoy packed features and a smooth claims process.

Why Do You Need a Private Car Insurance Policy?

Stay Compliant

Car insurance is mandatory according to Indian government regulations. Buying private car insurance helps you avoid legal penalties. Driving a car on Indian roads without a valid car insurance can result in a legal fine of ₹2,000 for the first-time offence. The fine goes up to ₹4000 or 3 months of imprisonment.

Financial Protection

Buying car insurance for your private car protects you from hefty car repairs or parts replacement costs. Private car insurance offers access to network cashless garages. You can visit any of cashless garage in our network for repairs without any upfront payment.

Flexible Coverage Option

You can choose your own car damage, third-party, or comprehensive private car insurance depending on your needs. Decide whether you want protection for your car or for third-party liabilities before customising add-on coverage to increase car security.

Peace of Mind

Having private car insurance removes the stress of being uninsured while driving on the road. The right private car insurance provides cashless car repair without delay through quick claim support.

In case your car accidentally collides with another, resulting in car damage and third-party injury. Comprehensive car insurance will cover legal liability and your car repair costs, giving you peace of mind.

Third-party Car Insurance

According to the Motor Vehicle Act 1988, third-party car insurance is mandatory. Third-party car insurance from Bajaj General provides coverage against legal liabilities for bodily injury or property damage to a third person caused by an accident involving your car.

1. Bajaj General third-party car insurance called the Liability Only Policy for Private Car provides coverage for your private car.

2. Third-party private car insurance does not protect your private car from any accidental damage.

Imagine you are driving through a busy Delhi market and accidentally hit a pedestrian crossing the road, causing a leg fracture. The third person can claim compensation and medical bills for the accidental damage up to a large sum. Here, Bajaj General's third-party car insurance can cover the pedestrian's treatment expenses, including liability costs.

Comprehensive Car Insurance

Comprehensive car insurance provides coverage for vehicle damage from man-made disasters, natural disasters, theft, fire, and accidents.

1. Apart from own damage expenses, comprehensive car insurance covers third-party liability.

2. It allows policyholders to include add-ons such as engine protector, personal baggage, depreciation shield, and more benefits.

For example, heavy rain in Mumbai streets causes flood damage to your parked area and ruins the wiring and interiors of your car. This car damage can incur expenses of ₹80,000. Bajaj General Private car package policy, a comprehensive insurance allows you to reimburse car repair costs and get back on the road confidently.

Own Car Damage Insurance

Standalone Own Car damage insurance offers financial protection for your private car. It solely focuses on your private car, covering parts replacement or damage repair expenses and gives financial relief.

Suppose, while riding on the Kolkata highway, your car accidentally slams into a divider, damaging the headlight and bumper. With standalone own damage insurance from Bajaj General, you can claim the entire repair cost of ₹25,000 and resume driving without dipping into your savings.

What are the Key Features of Our Private Car Package Policy?

Cashless Repair

Bajaj General Insurance offers access to a wide range of garages, more than 7,200 cashless garages. After any accident for repair or expensive parts replacement of your private car, you can avail a cashless car repair without making any upfront payment.

Legal Liability Cover

Bajaj General Private Car Package Policy covers disability, bodily injury, property damage or death to a third party due to an accident involving the insured car.

Own Damage Coverage

It protects the insured car against theft, accidents, flood, fire, and other man-made or natural disasters. Policyholders can claim repair or replacement expenses.

No Claim Bonus

Bajaj General Insurance offers a discount of up to 50% on insurance premiums during car insurance renewal if policyholders do not file any claim. This cumulative bonus for claim-free years rewards safe driving.

Add-Ons

The most attractive feature of the Bajaj General Private Car Package Insurance Policy is the customisation option for additional coverage. You can pick our add-on covers which will cover you for roadside assistance, zero depreciation, engine protection, or consumables that suit your needs.

Loss or Theft Coverage.

Bajaj General car insurance policies provide coverage for loss or theft of your private car. You can receive compensation based on the insured declared value of your stolen car.

Claim Assistance

Buying private car insurance offers 24/7 customer support for smoother and faster claim settlement. Policyholders can call the helpline to solve queries regarding the claim process, documents, cashless garages, and reimbursement.

1. Visit the online portal of Bajaj General Insurance and enter the required details, including pin code, phone number, your name, address, and your private car category.

2. Choose the insured declared value to determine the actual market value of your car.

3. Review all additional options, add-on covers, and exclusions of your chosen private car insurance plan, or customise your plan.

4. Evaluate your policy coverage and premium details, and pay the premium amount using your preferred method - PhonePe, GPay, debit card, credit card, or more.

5. After completing the payment, you will receive a confirmation SMS on your registered phone number or email.

6. Download the payment receipt and policy documents for future reference.

What are the Benefits of Buying Private Car Insurance Online?

You can get private car insurance in minutes with instant policy availability online. Compare plans and coverage benefits, use the online car insurance premium calculator, and buy the suitable one.

Premium Comparison

The primary benefit of buying private car insurance online is cheaper premiums. You can compare different policies from Bajaj General Insurance and choose the one that fits your budget. Additionally, you can receive online discounts on premiums, which helps lower the policy amount.

Time-Saving

Another benefit of purchasing private car insurance online is its flexibility. You can buy your private car insurance policy from anywhere, anytime, without visiting an insurance office in person. Just log in to the Bajaj General website using your computer or smartphone and complete the car insurance buying process in a few clicks.

No Paperwork Required

With the online process, you can purchase your chosen plan for your private car instantly. Say goodbye to manual forms, physical submissions, and stamping documents. Just enter your details, upload documents, and get financially settled.

Insurance Renewal Reminder

Buying private car insurance online allows policyholders to install the Bajaj General Insurance app and set reminders for renewal. This helps avoid coverage lapses due to forgotten renewal dates.

To get a private car insurance quote, you will need to provide some details about your car, including:

1. Your car's model or variant

2. Engine number

3. Engine capacity

4. Vehicle class

5. Fuel type

6. Chassis number

For KYC purposes, we will need your identity and residential proof, any one of the following:

1. Aadhaar card

2. PAN card

3. Voter ID

4. Passport

If you have had insurance with us before, please share your previous policy details:

1. The previous policy number

2. Insurer name

3. Any add-ons

4. Policy period

5. No-claim bonus (if applicable)

How to File a Private Car Insurance Claim?

Step 1: Report Your Claim

Quickly register your claim through the Bajaj General Insurance website or mobile app.

Step 2: Provide Incident Details

Share essential information about the accident, including location, time, and date. If a third party was involved, provide those details.

Step 3: Share Accident and Vehicle Info

Fill in the incident details, vehicle information, and supporting evidence. This includes:

1. Accident description

2. Vehicle inspection address

3. Driving license number

4. Expiry date of your driving license

Step 4: Get Your Claim Number

You will receive an SMS with a unique claim number after registration.

Step 5: Complete Your Claim Form

Use the claim number to fill out the online form and provide your bank account details for settlement.

Step 6: Upload Required Documents

Attach necessary documents, including photos of the damaged vehicle, driving license, and car registration certificate.

Step 7: Claim Settlement

After verification, you will receive a proposed claim amount via SMS. You can accept it to receive the payment or discuss further with the claim team if needed.

Why Choose Private Car Package Policy from Bajaj General?

Fastest Claim Settlement

Bajaj General Insurance highlights a strong claim settlement ratio as financial support to its policyholders. The simplified claim settlement process minimises settlement delay and allows car owners to resume their regular lifestyle quickly after an incident.

Excellent Customer Base

This insurance company is serving over 150 million 14 crore+ customers by 2024. This customer base shows reliability and credibility, supporting and empowering individuals to live with peace of mind and confidence.

Service Accessibility

The car insurance services are accessible both online and offline throughout the country. This service flexibility allows individuals to manage policy renewals and claims.

Instant Customer Assistance

Bajaj General Insurance offers 24/7 customer support to solve queries regarding policy claims and assist in emergencies. This instant claim assistance service is available even on holidays via phone or online process.

No claim bonus

We offer a 20 to 50% discount on your insurance premium for your existing no-claim bonus on renewing a private car insurance policy. Do not lose the win-win deal of no-claim bonus and get the most value from your investment.

Leading Insurer of India

Bajaj General Insurance Limited is one of the most trusted, renowned, and dynamic private general insurers. This homegrown insurer offers a portfolio of customer-focused and innovative car insurance solutions based on the needs of Indian vehicles and road driving regulations.

Coverage

It is the financial security period of your private car insurance plan. Coverage of any private car insurance policy will differ depending on the plan that you have chosen.

Depreciation

Every year, your car's value can decrease by a particular percentage. The decreased value is depreciation. During partial loss claims, a certain percentage of deduction is applicable depending on the nature of the parts, called depreciation.

Premium

This is the actual amount you pay for your private car insurance to remain active. It usually depends on your car's engine capacity, vehicle type, and regulatory guidelines. Pay premiums on time to remain uninterrupted - it's protection for your car.

IDV

Insurance Declared Value (IDV) represents the market value of your private car. This value determines the compensation amount in case of total loss or theft. If the market value of your car is ₹10 lakh, choosing the right IDV can ensure you get full compensation if your car is stolen, without any shortfalls during the claim.

Fixed Deduction

This deductible amount needs to be paid during a private car insurance claim. It is fixed based on the standard wording declared by the regulator.

Consumables

It includes parts of your private car, such as gearbox oil, fuel filters, engine oil, grease, etc. Consumable expenses coverage helps car owners ensure their private car's engine is completely repaired after an accident.

You rely on your vehicle for complete freedom of movement. Private car insurance sustains your freedom by compensating your major claims which can otherwise be very expensive. You love taking long drives and commuting to office with the radio on. Your vehicle is one of your most important possessions. Give it the care and protection it deserves with Bajaj General motor insurance.

Private car insurance or two-wheeler insurance by Bajaj General provides unmatched care and protection for your motoring experience.Private car insurance is one of the things you need against expensive costs like a breakage or third party claims.Private car insurance is an important thing to consider even before buying a car.

Note: For assistance with buying private car insurance or two-wheeler insurance online, please call us at 1800-209-0144(Toll Free).

Your private car insurance policy should contain cashless settlement in preferred workshops along with 24x7 claims support.Also look for hassle-free claim settlement experience and procedures before getting private car insurance.

Toll Free: 1800-102-5858  Chargeable: 020-30305858

Key Benefits of Motor Insurance with Us

• Instant online policy issuance and renewal in easy steps.
• Cashless claims at over 1500 preferred garages. 75% on account payment when cashless facility is not available.
• To locate a Bajaj General Preferred Garage nearest to you call us at: 1800-209-0144 (Toll Free).
• Transfer your existing No Claim Bonus from any insurance provider ranging from 20% - 50%.
• Instant claims assistance and SMS updates on your motor claim status through our 24x7 call-centers.
• Towing facility in an event of a breakdown/accident 24x7 service by phone or online-even on holidays.
• Bajaj General preferred workshops give you access to hassle-free inspection, high service standards and cashless settlement of claims in event of an accident/breakdown