Bajaj Allianz Car Insurance

Key features

• ✓Comprehensive car insurance (Drive Assure variant)
• ✓Own damage plus third-party liability cover
• ✓No Claim Bonus discount up to 50%
• ✓Personal Accident cover for owner-driver of ₹15 lakh
• ✓Cashless claim service at network garages
• ✓Caringly Yours app for self-inspection and instant policy
• ✓On-the-spot claim settlement for select small claims
• ✓24x7 spot assistance available as add-on
• ✓Multiple add-on covers
• ✓Long-term 3-year policy option for new cars

What’s included

• ✓Accidental damage to insured car
• ✓Fire, explosion, self-ignition, lightning
• ✓Theft, burglary, housebreaking
• ✓Natural calamities (flood, earthquake, cyclone, storm, hailstorm)
• ✓Man-made calamities (riot, strike, malicious act, terrorism)
• ✓Damage during transit by road, rail, air, inland waterways
• ✓Third-party legal liability (bodily injury, death, property damage)
• ✓Personal Accident cover for owner-driver

What’s excluded

• ✕General wear, tear, and depreciation
• ✕Mechanical or electrical breakdown
• ✕Driving without a valid licence
• ✕Driving under influence of alcohol or drugs
• ✕Loss when vehicle used outside geographical area
• ✕War, nuclear risks, mutiny related damage
• ✕Consequential losses
• ✕Use of vehicle for purpose not permitted

Eligibility

Min age

18 years

Covers

Self

Policy term

1 year (3-year long-term option for new cars)

IDV

Based on vehicle age and model

NCB

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