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One of the most popular two-wheeler insurance policies in India is Bajaj Allianz Bike Insurance. With over 50 million consumers, Bajaj Allianz is a well-known brand that offers comprehensive coverage for motorcycles and scooters. This insurance package protects your vehicle against accidental damage or theft.

The company has been known for dependability and innovation, making it a popular choice among bike owners looking to protect their valuable investments.

This guide will take you through the complexities of the insurance offered by Bajaj Allianz, from comprehending the essential features and benefits to unraveling the claims procedure.


Features of Bajaj Allianz Bike Insurance

Bajaj Allianz Bike Insurance offers a comprehensive set of features to protect your two-wheeler from unexpected losses. Some of the key features of this policy are:

  • Third Party Liability Cover: This mandatory cover provides protection against any legal liability arising out of bodily injury or death caused to third parties or damage caused to their property. The cover amount is INR 1 lakh.
  • 24×7 customer support: Bajaj Allianz offers 24×7 customer support to its policyholders. You can contact the company anytime of the day or night for assistance with your policy or to file a claim.
  • Online policy purchase and renewal: You can purchase or renew your Bajaj Allianz bike insurance policy online quickly and easily.
  • Cashless claim settlement: Bajaj Allianz offers cashless claim settlement at its network garages. This means that you do not have to pay anything upfront for repairs to your bike.
  • Own Damage Cover: This covers accidental loss or damage caused to your insured vehicle. You can opt for comprehensive own damage or third-party fire and theft coverage.
  • No Claim Bonus: You receive a no-claim bonus for each claim-free year with this policy. The bonus percentage increases by 20% every year up to 50% after five years.
  • Engine Protection Cover: This add-on cover protects your engine and transmission parts from internal damage due to any mechanical or electrical failure.
  • Key Replacement Cover: It covers the cost of replacing your vehicle keys that are lost or stolen. The maximum pay-out is INR 2,500.
  • Depreciation Cover: Under this add-on, you receive the full claim amount without any deduction for depreciation on replacement of any damaged parts.
  • Emergency Roadside Assistance: You get 24×7 roadside support in case of breakdown, flat tyre, or empty fuel tank within 50 km of the location of breakdown.
  • Enhanced No Claim Bonus Protector: This add-on allows you to safeguard your no-claim bonus even if one claim is made during the policy term.
  • Return to Invoice: This add-on ensures you receive the full purchase price of your vehicle in case of total loss or theft within the first year of purchase.

Types of Insurance offered by Bajaj Allianz Insurance

Bajaj Allianz is one of the leading general insurance companies in India that provides a wide range of insurance products to its customers. Some of the major types of insurance policies offered by Bajaj Allianz are:

Motor Insurance

It offers comprehensive car, two-wheeler, commercial vehicle and other motor insurance policies. These provide coverage against damages, liabilities as well as add-on covers.

Health Insurance

Bajaj Allianz provides indemnity and benefit-based health plans like individual and family floater policies to protect from medical expenses.

Travel Insurance

It offers domestic and international travel insurance plans that cover various risks while traveling like trip cancellation, lost baggage, medical emergencies etc.

Home Insurance

Home insurance policies from Bajaj Allianz protect your home and belongings from unforeseen risks like fire, burglary along with liability covers.

Business Insurance

It offers tailored solutions for various business needs like shop insurance, office insurance, commercial property insurance etc.

Personal Accident Insurance

These plans offer financial protection to the insured and/or their family in case of partial or permanent disabilities or unfortunate death due to an accident.

Cyber Safe Insurance

This type of insurance helps businesses and individuals mitigate the financial and reputational risks associated with cyber threats and data breaches.

Travel Companion

Bajaj Allianz offers travel insurance plans for individuals and families traveling abroad, covering aspects such as medical emergencies, trip cancellations, and loss of baggage.


What is Covered Bajaj Allianz Bike Insurance

Bajaj Allianz Bike Insurance provides comprehensive coverage to bike owners against financial losses arising out of unforeseen incidents. Here are some of the key things covered under this two-wheeler insurance plan:

  • Accidental Damage: The policy covers repair/replacement costs of any damages to the insured vehicle due to an accident like collision, overturning, etc.
  • Theft: It offers financial protection against theft of the entire vehicle or any of its parts. The claim amount includes sum insured, accessories fixed in the factory.
  • Third-party Liability: This mandatory cover of INR 1 lakh protects against legal liability arising out of death/injury to third parties and damage caused to their property.
  • No Claim Bonus: Insured can claim a no-claim bonus of 20% to 50% of the premium on renewal for each claim-free year as a reward.
  • Add-on Covers: Optional covers like engine protection, key replacement, return to invoice, depreciation cover, etc. enhance the basic protection.
  • Personal Accident Cover: The Bajaj Allianz motorbike insurance policy includes INR 1 lakh in coverage for personal injuries sustained by the individual driver/owner of the motorcycle while mounting, dismounting, or riding the vehicle. You can also purchase add-on covers to safeguard the pillion riders or unnamed hirers, among other things.
  • Emergency Roadside Assistance: Services like on-spot repairs, towing, taxi, hotel stay, etc. are provided in case of breakdown within 50 kms of location.
  • Cover For Damage from Natural Disasters: Natural catastrophes such as explosion, fire, lightning, floods, earthquakes, hurricanes, storms, landslides, rockslides, cyclones, frost, hailstorm, and others are covered by your Bajaj Allianz bike insurance policy.

What is Not Covered Bajaj Allianz Bike Insurance

While Bajaj Allianz Bike Insurance provides extensive coverage, there are certain losses that fall outside the scope of this policy. Some of the key exclusions are:

  • Consequential Losses: Any reduced value of the vehicle due to its age and condition is not covered after repairs under an own damage claim.
  • Wear and Tear: The policy does not cover normal wear and tear of the vehicle or parts that require regular replacement like engine oils, brake pads, etc.
  • Deductible: The amount specified in the policy document is to be borne by the insured for each own damage claim. This is also known as compulsory excess.
  • Drunk Driving: Any loss or damage caused when the rider is under the influence of intoxicating substances is not payable.
  • Racing/Rallies: Use of vehicles in any race, rally or competition is an exclusion.
  • War and Nuclear Perils: Damages caused due to ionizing radiation or contamination by radioactivity from any nuclear fuel are not covered.
  • Earthquake, Flood, Storm: Losses resulting from natural disasters like earthquake, storm, flood, landslide etc are not covered.
  • Terrorism: Any loss/damage due to terrorism, terrorist acts involving use or release of nuclear, chemical or biological agents or weapons are excluded.
  • Modifications: Unauthorized modifications to the vehicle that enhance performance voids the coverage.

Add-on Covers Offered by Bajaj Allianz Bike Insurance

Bajaj Allianz has many add-on covers that you can choose from to expand the coverage of your Two-Wheeler Insurance policy. Some of the extra covers are described below:

Flat Battery: If a vehicle cannot be moved owing to a flat battery, the insurer will arrange for alternate transportation under this add-on protection. Certain criteria apply to this add-on cover, which can be read in the policy document.

Spare Keys: In the event that the insured bike or scooter keys are lost, the insurer will arrange for the pickup and delivery of the spare keys, subject to specified circumstances.

Flat Tyre: If the vehicle cannot be moved owing to a flat tire, the insurer will arrange for a technician to repair the tyre under the terms of the policy agreement.

Minor Repairs: If the vehicle gets immobilized due to an electrical or mechanical breakdown, the insurer will give expert help.


How to Buy Bajaj Allianz Bike Insurance

Purchasing Bajaj Allianz Bike Insurance is a straightforward process, and it can be done in a few simple steps:

  • Visit the official website of Bajaj Allianz or approach a broker/agent. You can also check offers on insurance aggregator sites.
  • Select “Buy Online” or “Get a Quote” option and fill the online proposal form with vehicle and personal details.
  • Upload scanned copies of valid ID proof, address proof, registration certificate and driving license.
  • Choose the sum insured, tenure, add-on covers as per your requirements and budget.
  • Review the total premium amount quoted and add it to your cart.
  • Select the payment option as net banking, debit/credit card or other modes.
  • Make online premium payment and take a printout of the receipt.
  • An OTP will be sent on your registered mobile number for verification.
  • Download the soft copy of the insurance policy documents or wait for it to be delivered at your address.
  • In case of any queries, you can contact Bajaj Allianz customer support team via call/email.
  • Intimate the insurer in case of any changes in your profile details.

How to Renew Bajaj Allianz Bike Insurance

Renewing your Bajaj Allianz Bike Insurance is a simple process that guarantees you have adequate coverage for your two-wheeler. Here is a step-by-step guidance to renewing your policy:

  • Check to see if your current policy is still active and if the renewal is due.
  • 15-30 days before the expiry date, go to the insurer’s website or log onto your account.
  • Choose “Renewal” and enter your current policy and contact information.
  • Check for updates to your personal information and vehicle information.
  • Examine the renewal quote’s premium amount for the new policy period.
  • Choose a payment method, such as online banking, debit/credit cards, or net banking.
  • Pay your premium online to renew your existing coverage immediately.
  • The renewal confirmation will be sent to your registered mobile number and email address.
  • Within a week, a fresh set of policy materials will be mailed to your address.
  • You can also renew your subscription through the customer app or by visiting your local agent/branch.

Documents Needed to Buy or Renew Bajaj Allianz Bike Insurance

To purchase a new Bajaj Allianz Bike Insurance policy or renew an existing one, you need to furnish basic identity and address proof documents.

For a new policy, you need to submit:

  • Duly filled and signed proposal form
  • Original RC book copy of the vehicle
  • Valid driving license copy
  • Address proof like Aadhaar/passport/voter ID
  • PAN card copy

At the time of renewal, you must provide:

  • Existing policy number
  • Premium receipt of the last premium paid
  • Driving license and RC book copy
  • Address proof
  • Declaration that no claim has been made in the expiring policy period.

How to Make a Claim for Bajaj Allianz Bike Insurance

In the event of a car breakdown, accident, or theft, policyholders can file an insurance claim in three simple stages, as detailed below:

Register your claim:

It is advisable to make the insurance claim as soon as possible after any incident that causes loss or damage to your vehicle. You may register your claim in the following ways:

Visit the official website of Bajaj Allianz and register your claim online:

Call Bajaj Allianz customer care executive who will guide you with the claims process on 1800-209-5858 (toll-free number).

While registering the claim, you must keep the following information handy:

  • Engine and chassis number of the vehicle
  • Date and time of accident
  • Location and description of the accident
  • Address for the inspection of vehicle
  • Kilometer reading of the vehicle
  • Police FIR, in case of vehicle theft

Get your vehicle taken to the garage:
If the vehicle gets damaged due to a collision or any other reason, the same should be carried to the garage to avoid further damage.

Submit the necessary documents:

The last step for claim settlement is to submit the necessary documents to the insurer. The same may include the Registration Certificate of the vehicle, copy of police FIR, policy document, driving license, and more as prescribed by the insurer.

Bajaj Allianz Customer Care Contact Details:

In case you have any concern or issue with respect to the Two-Wheeler Insurance policy offered by Bajaj Allianz General Insurance Company, you may contact the insurer using the details given below:

Bajaj Allianz Customer Care Telephone Number:

Landline/Mobile: 1800- 209- 0144/1800- 209- 5858/1800- 102- 5858/020-30305858

Bajaj Allianz Branch Offices in Important Cities

If you wish to buy or renew your motor insurance policy or have queries or concerns that need to be resolved, you may also visit your nearest Bajaj Allianz branch to get the assistance needed. Below are the addresses and phone numbers of branch locations in some important cities in India. You may use the ‘Branch Locator’ feature on the official website of Bajaj Allianz General Insurance to locate the nearest branch office.


Bottom Line

Two-wheeler owners in India can get the protection they need with Bajaj Allianz Bike Insurance. As one of the major insurers, it offers a comprehensive suite of standard and optional protection features and services. Losses due to accidents or theft are covered, as are losses due to third-party responsibility and any additional coverage you want to add on. Customers who do not file any claims are rewarded with a no-claim incentive.

While most dangers are covered, policyholders should be aware that consequential losses, normal wear and tear, natural calamities, and so on are not. Simple “know your customer” (KYC) documents are all that are needed to complete an online purchase. Easy online or agent-based renewals are also available.

The total insured, supplemental coverage, and premium can all be customized to fit the needs of individual customers. Bajaj Allianz Bike Insurance is a good option for two-wheeler insurance due to its extensive coverage, low prices, and speedy claims processing.


Frequently Asked Questions (FAQs)

What is the settlement rate of Bajaj Allianz Bike Insurance?

Bajaj Allianz generally settles bike insurance claims within 7-10 working days of completing the claim assessment survey and receiving all required documents. The average claims settlement rate for Bajaj Allianz is over 95%.

How many times can I claim Bajaj Allianz Bike Insurance?

Policyholders can make multiple claims under their Bajaj Allianz bike insurance policy during the policy term. However, with each claim, the no-claim bonus percentage gets reduced by 20-25%. The insured can claim up to the insured declared value (IDV) of the vehicle.

How to check Bajaj Allianz Bike Insurance?

To check the status of an existing Bajaj Allianz bike insurance policy, policyholders can login to the insurer’s website or mobile app using their email ID and password. They can view policy details, premium status, claim status, documents, and even request services like duplicate policy copy, premium payment receipt etc. They can also contact the customer support team for any policy related assistance.