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    Buy car insurance online

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    Key Features
    Get a vehicle tracking and monitoring device under DriveSmart Service
    Cashless claim settlement at over 4000 preferred garages
    24×7 Road side assistance
    Towing Facility in the event of a breakdown
    Zero Depreciation Cover can be opted as an add-on*
    Home > Motor Insurance > Car Insurance
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    Why Bajaj Allianz Car Insurance?
    With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Bajaj Allianz offers car insurance with a range of covers to choose from.
    With Bajaj Allianz’s innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24×7 Roadside Assistance facility, help is just a phone call away.
    Note: This policy is applicable only for private cars.
    Why Car Insurance?
    Why Car Insurance
    Key Benefits of Bajaj Allianz Car Insurance
    Avail 24×7 call assistance and SMS updates for claims support, even on holidays
    Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider
    Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards
    Receive 75% on account payment facility based on requirement and when liability is above a certain limit
    Avail 24×7 Roadside Assistance with your Car Insurance policy
    Get a vehicle tracking and monitoring device with DriveSmart Telematics Service and a host of add-on covers included in it
    Towing Facility in the event of a vehicle breakdown or an accident
    Zero Depreciation Cover can be availed as an add-on cover with Car Insurance
    Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online
    Premium CalculatorCar Insurance Premium Calculator
    Note: This premium quote considers the full NCB (No Claim Bonus) and system generated IDV. It is valid only for policies bought online
    Coverages of our Car Insurance policy
    Loss or damage to your car due to natural calamities
    Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
    Loss or damage to your car against man-made calamities
    Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air.
    Personal Accident Cover
    Coverage of Rs. 2 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available
    Third Party Legal Liability
    Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.
    Car Insurance Add-on Packages
    Car Insurance Add-on covers
    Add on Covers with your Motor Insurance/Car Insurance policy
    A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.
    24×7 Spot Assistance
    This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.
    Lock and key replacement cover
    In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle
    Accident Shield
    Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car
    Consumable Expenses
    Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy
    Conveyance benefit
    If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a ‘per day’ cash benefit, as per the plan opted by the insured
    Personal baggage
    The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under Bajaj Allianz’s Motor Insurance/Car Insurance policy
    Car Insurance Top-up covers
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    Toll free number for Roadside Assistance
    What is Bajaj Allianz DriveSmart service?
    Bajaj Allianz is the first to introduce a unique vehicle tracking system in India to its customers, called the DriveSmart Telematics Device. This comes with our Motor Insurance/Car Insurance policy and helps in keeping in check one’s driving pattern and behavior, as well as monitoring the condition of their car’s engine and battery. Apart from that, it also helps in tracking and locating the vehicle, ensuring complete safety for you and your family.
    The benefits of opting for DriveSmart with your Car Insurance policy
    When you purchase a Vehicle Insurance with us, you get to avail several additional benefits when you opt for our DriveSmart service with it, such as:
    Complete diagnosis of the vehicle: This will help you check the condition of your car’s battery and engine
    Tracking your vehicle: You get to see the last location of your car on a map as well as the location and navigation details of your car. You can also share the location of your car with your friends and family via Whatsapp, SMS and email
    Monitoring driving patterns: It provides you with a summary of distance travelled in a day, longest trip taken, highest speed reached, braking pattern, speed variance and much more
    Customization: It allows you to create custom trips and see it on a map, and shares interesting statistics about the route and lets you share your car trips on social media
    Set and receive important alerts for your car: The device notifies you on over speeding, unauthorized movement of the car or low battery. It sends alerts on PUC date, servicing date, driving license expiry of your car as well.
    Help and support: You can ask an automobile expert regarding any car related query through the DriveSmart Telematics Device
    Exclusions you should know about in your Motor Insurance Policy
    Normal wear and tear and general ageing of the insured vehicle
    Depreciation or any consequential loss
    Mechanical/electrical breakdown
    Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacing the damaged part
    Vehicle used otherwise than limitations as to use
    Damage by a person driving any vehicle without a valid license
    Damage by a person driving the vehicle under the influence of drugs or liquor
    Loss/damage due to war, mutiny or nuclear risk
    To know more about exclusions in our Car Insurance in India, please refer to the brochure in the tools section above.
    Car Insurance Claim Process
    Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one; which is why we have minimized it into three simple steps:
    Register your claim with us
    You would need to register a claim as soon as possible following the accident/theft of your car. You can do this online by visiting the page here or over the phone by dialing our Toll free number — 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Car Insurance claim process.
    Please keep the following information handy while registering a claim:
    Engine and Chassis Number
    Accident date and time
    Description and location of the accident
    Car inspection address
    Km. reading
    Police complaint, in case of theft
    Please note that in case of theft, you would need to file a police complaint as soon as possible, so that when you are registering a claim with us you are able to produce the same, along with the other documents.
    Send your car for repair, if applicable
    Whether your car is vandalized, meets with a collision, or gets damaged by some peril, you would need to take it to the garage, if it is in a movable condition, or have it towed there to avoid any further damage.
    Final step for claim settlement
    You will have to submit the copies of all the required documents to the garage/dealer who is helping you with your Vehicle Insurance claim and get them verified with the originals. Following which, we will make the payment for the repair directly to the network garage once it is ready to be sent back to you. Do note that you will have to pay the excess amount according to the norms mentioned in your policy that include depreciation amount, salvage etc. which will be informed to you by our surveyor.
    If the loss is not so severe, we suggest that you avail the spot settlement of Car Insurance claims through Bajaj Allianz Mobile settlement service.
    What is the tenure of HDFC ERGO car insurance policy?
    All Motor policies are generally of one year term.
    Why do I need Car Insurance?
    As per provisions of Motor Vehicle Act (MV Act), 1989 all the vehicles which are plying on public place are required to be insured for minimum Third Party Liability only cover. Hence it is mandatory to have vehicle insurance.
    Can I buy Motor Insurance policy online?
    Yes. You can now purchase HDFC ERGO Motor Insurance online by using your Credit Card or online bank account.
    What are the benefits of buying car insurance online?
    Buying policies online ensures hassle free instant policy issuance with zero documentation involved. Online policy issuance also provides multiple safe payment options like credit card, debit card, net banking etc.
    Can I renew my Motor policy online?
    Yes, you can renew your HDFC ERGO Motor Insurance policy online by using your credit card or bank account.
    Can I renew other car Insurer policy with HDFC ERGO online?
    Yes, you can renew your insurance policy online 60 days before expiry of your existing policy. In case your vehicle insurance policy has already expired, we would arrange for vehicle inspection through our approved surveyors and post satisfactory inspection policy would be issued.
    What will happen when you sell your car?
    Once vehicle is sold written intimation needs to be done with insurance company. As an Insured you will have following options: Name transfer in policy Cancellation of existing policy if the new owner has bought a new policy for himself and seek refund of the premium for remain part of the policy tenure on short period basis. You could also request for reserving the NCB which you may have on your policy for using it on your new vehicle at a later date with in 3 years from the date of sale.
    What documents do I need to submit to buy car insurance online?
    At the time of buying policies on-line one need not submit any physical documents.
    Can I transfer my No Claim Bonus Discount?
    In the event that you want to shift your insurance policy from any other company to HDFC ERGO, you can transfer the No Claim Bonus accrued on your previous policy. You can avail the full benefit as you would with your previous Insurer.
    Can the Owner of the car also be insured under the same policy?
    The Owner of the car is covered under compulsory personal accident cover where vehicle is registered in the name of an individual for a maximum sum insured of Rs. 2 lacs, provided he/she has an effective and valid driving license.
    Can the paid driver of the car also be insured under the same policy?
    An optional personal accident cover is available under the policy which can be opted for paid driver having maximum sum insured of Rs. 2 lacs
    What if my car insurance policy is misplaced?
    Just call our toll free number 1800 2 700 700 and ask for a duplicate copy.
    What are the discounts that can be allowed under car insurance policies?
    There are discounts based on eligibility of each customer which may be availed like Automobile Association of India membership, and no claim bonus.