Motor Insurance

VPAY – Ultimate All-in-One Car Insurance Add-On

Name: Buy V-PAY Cover for Car: Get Add-on Today
Brand: Bajaj General Insurance
Rating: 4.67 (18050 reviews)

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Umbrella Protection Of Multiple Add-Ons

Your Ultimate Shield on Every Journey

Coverage Highlights

Expand Your Coverage Today

Extensive Coverage

Protects against a wide range of risks including cyber attacks, mechanical breakdowns, and accidental damages

Comprehensive Add-On

Includes benefits like roadside assistance, vehicle towing, recalibration of digital systems, and smart repairs

Financial Security

Covers repair/replacement costs, legal defense, and even theft of funds due to cyber attacks

Convenience

Offers daily cash benefits for vehicle downtime and accommodation benefits during repairs

Peace of Mind

Ensures you're covered for unexpected events, from minor scratches to major breakdowns, with a focus on keeping you and your vehicle safe and operational

Inclusions

What’s covered?

Electrical & Non-Electrical Accessories

Accidental loss or damage to accessories (excluding CNG/LPG kits) that were part of the insured vehicle at policy inception but not declared. Accidental loss or damage to accessories (excluding CNG/LPG kits) installed during the policy period. Maximum liability is 1% of the IDV

Rally Cover

Covers accidental loss or damage during organized rally events, excluding motor racing, speed tests, dexterity trials, and hill climbs

Geographical Extension

Extends coverage to accidental loss or damage within Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, and Maldives

CNG/LPG Kit

Covers loss or damage to CNG/LPG kits not declared at policy inception. Maximum liability is 1% of the IDV

Rodent Damage

Covers repair or replacement costs for damage caused by rodent bites to non-metal parts

Waiver of Depreciation & Consumables Cover

Covers repair and replacement costs without depreciation Covers consumables required during vehicle repair

Battery Electric Vehicles and Hybrid Electric System

Covers damage to internal parts of the traction battery, Battery Management System (BMS), and Electric Vehicle Drive System due to power surges, exothermic reactions, water ingress, and short circuits. Excludes damage from neglect, unauthorized service, and wear and tear

Waiver of Deductible

Waives the compulsory deductible under the policy, except for any voluntary deductible opted for a discount

Vehicle Towing & Retrieval

Covers the cost of towing the insured vehicle to the nearest repairer if disabled due to covered loss or damage. If the service cannot be arranged, you can arrange towing and submit bills for reimbursement

Roadside Assistance

Comprehensive Services like Flat Battery, Spare Keys, Flat Tyre, Minor Repairs, Towing Facility, Urgent Message Relays, Medical Coordination, Fuel Assistance, Taxi Benefits, Accommodation Benefits, Legal Assistance, Helpline and more

Vehicle Replacement

Settles claims for total loss or constructive total loss at the company's discretion

Loss from Adulterated Fuel

Covers repair costs for engine and fuel system damage due to adulterated fuel, including testing costs.

Consequential Losses

Covers internal parts and repair costs if the vehicle is driven before necessary repairs or left unattended after an accident.

Tyre Cover

Covers the cost of replacing damaged tyres due to accidental means where insured vehicle has not met with an accident, up to four tyres per policy period.

And Many more

8 more optional covers for wider protection

Exclusions

What’s not covered?

Drunk Driving

Any damage caused to the car intentionally

Unlicensed Drivers

If the driver doesn't have a valid license at the time of the accident, the damage won't be covered

Intentional or Negligent Acts

If the damage is caused by intentional actions, neglect, or gross negligence by you, your family, or employees, it won't be covered

Pre-Existing Damage

If the car had damage before the policy started and you didn't disclose it, it won't be covered

Fraud

If you or your authorized representative commits fraud, the damage won't be covered

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

Vehicle Replacement Advantage

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

What is the VPAY Policy?

The VPAY policy by Bajaj General Insurance is a revolutionary add-on cover designed to simplify the motor insurance claim process. This policy ensures that vehicle repairs are cashless at network garages, providing a hassle-free experience for policyholders. By opting for the VPAY add-on, you can enjoy the convenience of cashless settlements, making it easier to get your vehicle back on the road without financial stress.

This simple, one-stop solution shall liberate the insured from the hassle of choosing from an array of fragmentary covers to comprehensively protect their valued possessions, ensuring they are protected against all the major risks.

Quick Overview

Umbrella Protection

VPAY provides comprehensive umbrella protection for your car and removes the hassle of choosing individual riders.

Claim Accumulation

You can accumulate minor vehicle damages and report them all together once during your active period.

Roadside Assistance

With this plan, you can access 11 specialised roadside assistance services, including fuel delivery and minor onsite repairs.

Omitted Accessories Cover

Inadvertently omitted accessories and fitments are automatically protected without requiring any manual policy endorsements.

Deductible Waiver

The plan waives all standard compulsory deductibles, ensuring you avoid unexpected out-of-pocket expenses.

Covers Cyber Risk

It covers modern vehicle threats like digital extortion and software reinstallation costs.

All Vehicle Types

VPAY covers petrol, diesel, hybrid, and electric vehicles across a vast nationwide cashless network.

Flexible Coverage

The plan offers wide geographical flexibility by expanding motor coverage into Bangladesh, Nepal, and Bhutan.

Why Should You Choose VPAY Policy?

Here are the key reasons why you should choose the VPAY car insurance add-on:

1. Enjoy Umbrella Protection

The VPAY policy provides a truly innovative umbrella protection solution for private car owners. This smart design removes the usual stress of selecting fragmentary covers for your valued vehicle.
2. Experience Smart and Quick Claims

You can accumulate minor vehicle damages and report them all together just once during your active policy period. It saves you significant time and reduces everyday claim hassles.
3. Zero Compulsory Deductibles

The policy waives all standard compulsory deductibles. Because of this, you can avoid paying out of pocket for every single claim, ensuring you receive true value for your money.
4. Secure Modern Cyber Risk Defence

Modern vehicles face unique digital threats today. VPAY includes extensive cyber risk cover to protect you against cyber extortion, software reinstallation costs, and unexpected theft.
5. Automatic Endorsement Relief

Buyers very often forget to declare specific accessories or fitments. VPAY automatically protects these inadvertently omitted items. It provides relief from manual endorsements throughout your entire active policy term.
6. Simplify Your Insurance Journey

Bajaj General Insurance specifically designed this modern cover for maximum transparency and clarity. You get an easy-to-understand document that clearly explains all your coverages without confusing insurance jargon.
7. Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs.
8. 7200+ Cashless garages

Wide network of cashless garages for hassle free service
9. On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

VPAY at a Glance

VPAY policy acts as an overall protection for your car. You can add this [AG1] [LS2] add-on cover to your [AG3] [LS4] car insurance and enjoy the benefits. Here are its features:

Sr. No.	Features	What is it?
1	Vehicle Accessory Protection	Protects CNG/LPG kits (up to 1% IDV protection for unintentional omissions in the policy), covers any electrical and non-electrical accessories up to 1% of IDV
2	Coverage for Modern Risks	Coverage for internal parts of electric vehicles [AG1] protects against cyber risks and supports recalibration
3	Financial Safety	Provides 11 roadside assistance services, covers loss of personal baggage, and waives compulsory deductibles
4	Accumulate Claims	Let's you accumulate minor claims and claim them all at once during the policy period instead of reporting immediately.

What are the Benefits of Motor Insurance VPAY Policy?

When you choose VPAY motor insurance, you not only buy an add-on cover, but you also make your car insurance journey smooth and hassle-free. Here's how:

Full Protection

VPAY by Bajaj General Insurance protects against various risks and common exclusions under one add-on. Thus, you don’t have to buy multiple fragment riders for protection.

No Compulsory Deductible

Under standard motor insurance policies, you have to pay a compulsory deductible. But with this add-on, we waive all these deductibles so you can enjoy seamless coverage.

Depreciation Waiver

With the motor Insurance VPAY Policy, you don't have to bear the cost of depreciation and consumables. We will pay the full cost of repairs and part replacement.

24/7 Customer Service

Whenever you need to reach out to us regarding the VPAY policy or any policy-related doubts, you can do so anytime. Our customer care is there for you 24/7.

Comprehensive Roadside Assistance

Whether you need assistance with flat battery jumps, fuel assistance, spare key delivery or minor on-site repairs, count on our 11 specialised roadside assistance services.

Geographically Flexible

Accidents and emergencies can strike anywhere, be it India or neighbouring areas. That's why our VPAY rider extends coverage to Bangladesh, Nepal, Bhutan, among others.

Easy Claim Process

Bajaj General Insurance maintains a strong digital ecosystem from which raising a claim is easy and stress-free. You can do so from our app Bajaj General and website.

Decades of Trust

We understand the problems faced by vehicle owners in India. Thus, our 2 decades of experience let us provide the best service for you and countless others.

Vehicle Replacement

If you suffer a total loss, then VPAY may pay for the replacement of your vehicle with a new or similar one. It may include the cost of registration, road tax, etc.

Key Features of VPAY

The features of vehicle insurance VPAY are as follows:

Access to 7,200+ Garages

With the VPAY add-on, you can access over 7,200 cashless garages all across India. Therefore, wherever you need help, we are there for you.

Easy Claim Settlement

With the Motor On the Spot (OTS) feature, you can settle minor claims easily. Plus, with our VPAY, you can accumulate minor claims and claim them all together.

Fast Issue Policy

When you partner with us, you get to experience fast policy issuance and comprehensive coverage all under one roof.

Coverage for all Vehicles

VPAY is available for all kinds of Private car vehicles. These include electric vehicles, diesel vehicles, petrol vehicles or hybrid vehicles.

Digital Ecosystem

Access your policy details and documents on our app, Bajaj General. Keep all your policy details arranged in one single app and be stress-free.

What is the Period of VPAY Cover?

You can enjoy the benefits of VPAY Bajaj motor insurance within the period of your car insurance policy. However, there are some criteria you have to follow to get its benefits:

General / Common Documents (Required for Most Claims)

You have to buy this rider at the inception of your vehicle insurance policy

You cannot add this rider in the middle of your policy period

Your policy period for VPAY is similar to your base vehicle insurance

If you want to cancel the VPAY, you have to follow the same procedure as your base policy

Why Buy Motor Insurance from Bajaj General?

Buy Now

Comprehensive Coverage

Get full protection for your vehicle and peace of mind.

7200+ Cashless Garages

Repair your vehicle hassle-free at network garages.

Quick & Hassle-Free Claims

Fast claim settlements with a seamless process

Digital Policy Issuance

Get instant policy issuance with zero paperwork

Drive Safely

4.6 lacs+ road accidents reported (Ministry of Road Transport & Highways)

Avoid Legal Fines

Motor Vehicles Act, mandates Third Party Liability Cover for vehicles

Unfortunate Accident

File your claim immediately to ensure swift processing

Step-by-Step Guide

How to Buy VPAY Insurance Policy Online?

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

Download Policy Document

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

Brochure

Policy Wordings

Proposal Form

Claims Form

Customer Info Sheet

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

The Schedule of Depreciation For Fixing IDV of The Vehicle

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 on the basis of 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 the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.[1]

Your car’s Insured Declared Value (IDV) refers to the maximum payout that you will receive if your car gets stolen or you suffer a total loss. Various factors influence the IDV of a car. These include ex-showroom price, depreciation and cost of accessories.

The Schedule of Depreciation for Fixing IDV of the Vehicle

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

FAQ's

How is V-PAY Cover different from Zero Depreciation Cover?

V-PAY goes beyond Zero Depreciation by covering the entire approved claim amount, including depreciation and any approved deduction. While Zero Depreciation covers only parts without depreciation, V-PAY ensures more complete protection under your motor insurance policy.

Who should opt for a V-PAY Cover?

V-PAY is ideal for new car owners, high-end vehicle users, or anyone seeking full claim settlements without surprises. If you prefer peace of mind with four-wheeler insurance online, V-PAY offers a premium layer of financial protection. For complete peace of mind, choose a plan from Bajaj General Insurance as it offers many benefits as well as access to 7,200+ cashless garages.

Is V-PAY Cover available for all vehicles?

V-PAY is generally available for private four-wheelers but may not apply to all vehicle types or older models. Check with your insurer when buying motor insurance policies or exploring four-wheeler insurance online for eligibility.

Is V-PAY Cover available under comprehensive car insurance only?

Yes, V-PAY Cover is offered as an add-on only with comprehensive motor insurance policies. It cannot be purchased with standalone third-party plans. For complete protection, ensure you select the right plan when buying four-wheeler insurance online.

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"

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.