Bajaj Allianz Two-Wheeler Insurance

Key features

• ✓Caringly Yours service ethos with strong claim experience
• ✓On-the-spot claim settlement via mobile app for small claims
• ✓Comprehensive, third-party, and standalone OD options
• ✓Personal Accident cover for owner-driver up to ₹15 lakh
• ✓Wide cashless garage network across India
• ✓NCB up to 50% on claim-free renewals
• ✓Multiple add-ons including Zero Dep, Engine Protect, RSA
• ✓Long-term 5-year third-party policy for new two-wheelers

What’s included

• ✓Accidental damage to insured two-wheeler
• ✓Theft, burglary
• ✓Fire, explosion, self-ignition, lightning
• ✓Natural calamities (flood, cyclone, earthquake, storm)
• ✓Man-made calamities (riots, strike, malicious acts, terrorism)
• ✓Third-party bodily injury, death, property damage
• ✓Personal Accident cover for owner-driver
• ✓Transit damage (rail, road, air, inland waterway)

What’s excluded

• ✕Normal wear, tear, depreciation
• ✕Mechanical and electrical breakdown
• ✕Driving under influence of alcohol or drugs
• ✕Driving without a valid driving licence
• ✕Consequential damages
• ✕Use beyond declared purpose
• ✕Damage outside India

Eligibility

Min age

18 years

Covers

Self

Policy term

1-year comprehensive; 5-year long-term third-party mandatory for new bikes

IDV

Based on vehicle age and model

NCB

20% / 25% / 35% / 45% / 50% tiered