Motor Insurance
Rodent Cover in Car Insurance
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
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
Car Insurance Add-On: Rodent Damage Protection
Rodent cover in car insurance is a valuable add-on that protects against damage caused by rats or other rodents chewing through wires, cables or other vehicle components. As part of a comprehensive plan, this cover helps you avoid unexpected repair costs. Bajaj General Insurance offers this protection as an optional add-on with its motor insurance policies. With features like a hassle-free digital claims process and access to 7,200+ cashless garages across India, it ensures peace of mind even in such uncommon scenarios.
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 |
What Are the Common Damages Caused by Rodents in a Car?
Rodents can cause extensive damage to your vehicle by chewing:
● Electrical wiring
● AC and coolant pipes
● Upholstery and insulation materials
● Engine compartments and brake lines. Such damage may result in short circuits, engine issues or costly repairs.
Types of Rodent Damage Covered Under Insurance
Car insurance policies, particularly with rodent cover, may include:
● Chewed or damaged wiring and cables
● Damage to internal engine components
● Electrical system malfunctions
● Labour charges for rodent-related repairs.
Note: Cover may vary by insurer and policy terms, so it’s vital to read the inclusions and exclusions.
Why Insure Your Car with Bajaj General?
Buy Now
Is Rodent Damage Covered by Comprehensive Car Insurance?
Rodent damage is not always covered under standard comprehensive car insurance. However, many insurers, including Bajaj General Insurance, provide it as an add-on. If included, the cover takes care of expenses related to damage caused by rodents to your vehicle’s wiring, engine components and internal fittings. For complete protection against such unpredictable risks, it’s advisable to check your policy for rodent cover add-ons. With Bajaj General Insurance, you not only get rodent protection but also expert support and a reliable claims process.
How to Prevent Rodent Damage to Your Vehicle?
● Avoid parking near garbage bins or dense vegetation.
● Regularly check your car for droppings or nests.
● Use rodent-repellent sprays or ultrasonic devices.
● Leave the car hood open when parked in a garage (rodents prefer dark, warm spaces).
● Seal garage openings to block entry points. These precautions can greatly reduce the risk of infestation and subsequent damage.
Download Policy Document
Get instant access to your policy details with a single click.
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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2
Register or log in to your account.
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3
Enter your car details
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4
You will be redirected to the Car Insurance Page.
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5
Ensure to check your No Claim Discount
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6
Choose right Insured Declared Value (IDV) that reflects your car value
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7
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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8
Select a plan from the recommended options, or customize your own plan
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9
Review the premium and other coverage details
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10
Proceed with the payment using your preferred method
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11
Receive confirmation of your purchased policy via email and SMS
How To Renew
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1
Login to the app
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2
Enter your current policy details
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3
Review and update coverage if required
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4
Check for renewal offers
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5
Add or remove riders
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6
Confirm details and proceed
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7
Complete renewal payment online
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8
Receive instant confirmation for your policy renewal
How to Claim
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1
Download our Bajaj General App on Android or iOS
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2
Register or login to use Motor On the spot claim for a smooth process
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3
Enter your policy and accident details (location, date, time)
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4
Save and click Register to file your claim
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5
Receive an SMS with your claim registration number
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6
Fill in the digital claim form and submit NEFT details
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7
Upload photos of damaged parts as instructed
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8
Upload your RC and driving license
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9
Receive an SMS with the proposed claim amount
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10
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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1
For any further queries, please reach out to us
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2
Toll Free : For Sales :1800-209-0144
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Email ID: careforyou@bajajgeneral.com
How to File a Claim for Rodent Damage?
● Inform your insurer immediately after spotting rodent damage.
● Click pictures of affected areas for evidence.
● Submit a claim via your insurer’s app or portal.
● Take your vehicle to a network garage for inspection.
● Share the FIR or garage report if required.
● Once verified, your claim will be processed and the cost reimbursed or settled directly.
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What Our Customers Say
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
FAQ's
Does comprehensive car insurance cover rodent damage?
Only if it includes a rodent cover add-on. Standard policies usually do not.
What documents are required to claim rodent damage?
You may need images of the damage, repair estimates, claim form and in some cases, a garage report or FIR.
How can I prevent rodents from damaging my car?
Use repellents, check your vehicle regularly, avoid risky parking spots and keep your garage rodent-proof.
Are there any specific car models more prone to rodent damage?
No particular model is immune, but cars with soy-based wiring or those parked for long periods may be more vulnerable.
How do I retain my No Claim Bonus (NCB)?
You can retain your NCB by not raising any claims during the policy year. With Bajaj General Insurance, you can also opt for the NCB Protection add-on to safeguard this discount even after one claim.
How can I track or raise a claim online?
Log in to the Bajaj General Insurance website or app, access your policy, and initiate a claim. Upload the required information and photos to start the claim process. A dedicated team will guide you further.
Why juggle policies when one app can do it all?
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