1. Key Benefits
Assured Best deals on your Car InsuranceTransfer existing No Claim Bonus (NCB*) ranging from 20%-50%
Cashless claims at over 1500 garages in India.
0% EMI option available if paying by Citibank Credit Card
Instant claims status via sms
Renew your policy online in 3 easy steps logon to www.bajajallianz.com now
2. Policy Coverage
The private car can be used for social, domestic and pleasure purposes and also for business purposes excluding the carriage of goods other than samples by the
insured or his employees.
The Insurer undertakes to reimburse the expenses incurred for
repair/replacement against any loss or damage to the Private Car and its
insured accessories whilst thereon for the following events:
Fire, explosion, self ignition or lightning
Burglary, housebreaking or theft
Riot or strike
Earthquake (fire and shock damage)
Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
Accidental external means
Malicious act
Terrorist activity
Whilst in transit by road, rail, inland- waterway, lift, elevator or air
Land slide, rock slide
The additional Personal Accidents covers available under Private
Car policies
The various PA covers under Private Car policies are:
PA to the Owner Driver
PA to the Paid driver
PA to the Unnamed occupants
PA to the Named occupants
3.Claims procedure
All insurance contracts are based on the information provided by the insured in the proposal form. The proposal form forms the basis of insurance contracts.
Some important points, which would help you in the claims procedure.
The loss or damage should be reported to the insurer immediately.
In the event of you needing to make a claim, please call our Customer Service Executives at the following numbers
30305858
(dial your city code if calling from a mobile)
1800 22 5858
Toll free from MTNL/BSNL/Reliance network
1800 102 5858
Toll free from Bharti/Airtel network
Or
SMS "CLAIM" on 9860685858
We will take all the details and if appropriate give you the telephone number and location of your nearest Bajaj Allianz preferred workshop (for cashless claims) and inform you of any further action you may need to take. We are committed to dealing with each claim quickly and effectively
On receipt of claim intimation, the insurer will forward a claim form.
Submit the completed claim form along with an estimate of the loss to the insurer. It is preferable to submit an itemized estimate with separate values.
The insurer will arrange for inspection of the damaged items to assess the loss. In case of major losses, a specialist-licensed surveyor is deputed.
The insured has to provide the required documents to substantiate the extent of loss.
In case the cause of loss is not established, it is for the insured to prove that the loss or damage has occurred due to an insured peril.
On agreement of claim amount between the insured and the insurer, the claim is settled.
Average Clause - As per the Terms and Condition of the Policy ·
Excess as stated as per the Policy terms and condition will be deducted from the claim payable.
4.Policy exclusions
The exclusions are:
Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failure or breakages
Any damage to tyres and tubes unless the vehicle is also damaged at the same and the liability of the Insurer will be restricted to 50% of the cost of replacement; and
If the private car is driven by a person who is under the influence of intoxicating liquor or drugs at the time of loss
Driving without a Valid Driving Licence
Using the vehicle for hire or reward, carriage of goods other than samples, racing and other racing related purposes and motor trade purposes
Any accidents outside the geographical area
