Standalone Own Damage Car Insurance

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.

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 to vehicles, theft, natural/manmade calamities etc.

Investing in 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 extra protection like damages for an accident, theft, natural disasters, damage to third parties etc. as derived by the policy terms.

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.

Third-party liability motor insurance covers your legal liability if you cause injury, death, or property damage to a third person and is mandatory under Indian law. Comprehensive motor insurance, on the other hand, includes third-party liability coverage while also protecting your own vehicle against damages caused by accidents, theft, fire, natural calamities, and man-made disasters, as per the policy terms.

Contact your insurer's toll-free customer service number or raise a claim through their website. You can also make a claim through their app. Bajaj General Insurance ensures that you get your claim raised within no time with their Bajaj General app.

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.

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.

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.

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.

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.