No doubt they get many incentives and concessions on loans but not in the insurance policies. NCB or No Claim Bonus can be carried forward provided the policy is renewed within 90 days of the expiry date of the previous policy. A Two Wheeler Third Party Insurance policy is designed to protect you against damages (including death, bodily harm, injury or death, and damage to property) to a third party due to an accident involving your two-wheeler. And the good news here is that renewing your coverage is a breeze, considering our convenient online renewal portal. It also protects the policyholder against the theft, loss of the two wheeler, and cover on your vehicle against several calamities. It covers only the third party legal liabilities. Our round-the-clock experts will assist you with queries and clarifications, all and sundry. The No Claim Bonus discount is awarded at the time of renewal of the policy. Comprehensive cover with Engine Protection add-on. 5. The amount is minimal and does not affect the pocket. The surveyor enquires about the entire incident. While taking the two wheeler policy, one has to specify the region or location where the vehicle will be driven to estimate the premium. It is the amount decided by the insured himself. The components involved in the calculation of two wheeler insurance premium are: Steps to calculate the bike insurance premium online, before buying or renewing a policy are: Head on to our two wheeler insurance premium calculator. available by But, in some cases, the claim once filed will reflect in your insurance policy, and the score is susceptible to go down nonetheless. It is beneficial for the rider or the owner in terms of legal obligations as the third party two-wheeler insurance protects them and the other parties involved in the incident. In case of a third party liability: file a police report immediately and forward it to the mail address and call us on the toll-free number. You can request a duplicate copy offline. One can include several add-on riders to these policies in order to enhance the risk cover. 1800-103-5858, Global Travel Helpline No. The eligibility criteria differ between companies, and also between purchase and renewal. Once done, a soft copy of the policy will be sent to your registered email address, and the policy will be completely active after a few days from the date of payment. The insured should have made arrangements for coverage, at least third party liability, and should be able to produce documentary evidence. All the grievances are closed within the stipulated time frame of 15 days. The core guidelines stated in the new rules ask the general insurance companies to withdraw the long-term insurance packaged (3 to 5 years) on 3rd Party and Own-Damage Covers. If involved in an accident, they won’t be compensated at all. Why Third Party Two Wheeler Insurance? Gives legal protection: If involved in an accident, the fatal injury to the third person involved can land you in legal hazards and burden. You can now view, print, or download your bike insurance policy online. If your IDV is lesser, you are going to be at a loss on the theft or total loss of your two wheelers. though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. products/services and or my making a request to call me back, it is deemed that I have expressly authorized If you are providing treatment to injured people/ make a note of Hospital and doctor attending. This third party can either be a person or his/her property. +91-124-6174720, Extended Warranty Any damage to your vehicle in an accident will not break you financially. Fill in the information pertaining to the No Claim Bonus in the previous year. After an accident, if the bike is being repaired at the certified and approved garage, the insurer will pay the EMI’s of the insured vehicle under the EMI bike insurance and protection cover. Reasons to Renew expired bike insurance are ; 1. A comprehensive policy is not regulated by IRDA at all. But the comprehensive cover is planned and fixed by the insurance firms themselves. that needs to be insured. Two wheeler insurance is essential for the safety of the rider and vehicle too. Eligibility to Buy Bajaj Allianz Two Wheeler Insurance Online. Getting bike insurance online is the easiest process without the hassle of visiting firms and dealing with agents. The comprehensive two wheeler insurance policies are fixed and created by every insurance firm individually. A two wheeler third party insurance policy, also known as ‘party liability only’ insurance, has a host of features for you. Do not take action or run from the situation. Thanks. Based on the findings and observations of the surveyor, the claim can be processed. Otherwise, the settlement can take as long as 30-45 days. If driving without a valid license, no losses will be compensated. Bajaj Allianz very helpful and knowledgeable site for bike insurance. No, a person can have only 1 two wheeler insurance policy for a bike at a time. The documents proving the membership and installing the anti-theft devices in vehicles need to be submitted for availing of the discounts. Got it done in just 3 minutes. There several different types of payment options a customer can opt for purchasing bike insurance. Insurance is a financial cover to take the blow of loss and damage occurred in an accident. Received an iAAA rating from ICRA for 10th consecutive years. Own Damage Cover - 1 year. It minimises the blow either for Natural Calamity Cover or Personal/Third Party Cover as well. Quick renewal. true. You will be issued a duplicate copy of your policy. But if once a claim occurs, the NCB is lost. Renew it soon after expiration of the two wheeler insurance policy. No one has a say or control over nature. Renewing your bike third party insurance policy isn’t optional any longer, as is mandated by relevant sections of the Motor Vehicles Act, 1988. To make the two-wheeler insurance claim procedure simple, these following are the steps you can follow: Bajaj Allianz is providing its customers with three ways to register the claim. Some benefit others only like third party cover and some benefit everyone like a comprehensive plan. This was awesome experience with customer case to buy a new bike insurance with Bajaj Allianz. The renewal process for Bajaj Allianz Bike Insurance on Finserv MARKETS was very simple and convenient and took hardly any time. While rapid urbanisation has promoted growth, it has also made us vulnerable to man-made calamities. No Claim Bonus (NCB) is a reward given to the bike owner by the insurance company if they do not register any claim during the policy tenure. One must read this under any policy before taking it. It protects the Bajaj bikes from any damage or loss arising out of any unforeseen adversities. You can modify and alter your bike insurance policy on renewal. If you become a victim to uncertainties, one can always seek a claim for the damages under the bike insurance policy. I never had a problem with your service. To avail a bike insurance policy, a few requirements need to be fulfilled by the vehicle owner. For benefits, only a comprehensive insurance policy can cover the insured against theft. You can go to the listed garage, get the work done, and do not pay for the items covered under the policy. of my contact number being registered on National Customer Preference Register (NCPR) under either Within 48 hours, you will have to log-in to the website and convert your policy. Liability faced when third party property is damaged due to your bike. Modify your bike insurance according to your necessity. These add-ons are optional to one's standard policy but are very beneficial and provide extra security. Read more. In case the vehicle is stolen, the IDV value is considered as compensation and not the market one. Do not move the vehicle in the accidental case if it can enhance the damage to your two-wheelers. A third party is also known as ‘act only’ insurance and is compulsory for everybody under two wheeler insurance. The policy can be renewed by visiting the branch of the insurance company and submitting the required documents. Death or bodily injuries (caused to a third party) that result from an accident involving your two wheeler, All expenses incurred in accordance with our written consent, Any other driver driving the two-wheeler, but only with the consent of the third party two wheeler insurance policyholder, Personal authorized representative of any person who is entitled to protection under the policy, Personal accident cover for owner/driver directly connected with the insured vehicle, ➢      Permanent total disablement caused due to injuries. You can always check your claim status by providing your claim reference number with customer care. 3. Getting your two-wheeler insurance to renew an expired bike immediately is for your safety and peace of mind. Some bike insurance companies also offer concessions on purchasing the policy online using credit cards or certain apps. There is no limit to the amount of several add-ons covered one wants to purchase with one's insurance policy. The policy offers you comprehensive protection for your scooter or motorcycle and offers a range of key benefits and add-on covers. false. But as it’s mandatory for every vehicle to have this policy under the Motor Vehicles Act 1988, if you want to cancel your policy, you need to submit: Paperwork of another insurance provider having taken over your two-wheeler insurance, Proof of your two-wheeler’s registration certificate having been revoked by RTO. Over the time of usage of the vehicle, the wear and tear can depreciate its amount. Just log onto to our website, navigate to the Bajaj Allianz Two Wheeler (Liability Only) page and furnish the following documents: Policyholder details such as name, gender, residential address, date of birth In case of severe injuries incurred by the insured, the person or their known has to report within 24 hours of the accident. Furthermore, I understand that these calls will be recorded & monitored Read on to know more: It protects you against possible legal and financial obligations that may arise from damages caused to a third party. Unsolicited Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Excecutive will PA cover is a Personal Accident cover. With the ageing of the vehicle and depreciation in the IDV lessens the premium paying amount of your bike insurance. Premium calculation is dependent on various components like the model of the bike, cubic capacity of the engine, Insured declared value and many more. The list of the garages where the insurance companies have their tie-ups to precede the cashless reimbursement is usually available at their websites in case of online bike insurance or their office one can enquire about them. © Copyright 2018. Just like buying a policy, renewal of policy is easily done online. We will send you a reminder when your policy is due for renewal. Lo and behold! TERMS AND CONDITIONS. All you need to know. The penalty of driving without two wheeler insurance is now fixed at INR 2000  and/or imprisonment for up to 3 months. There is a grace period of 90 days to renew the policy. Policy With This Guide, Written By: Bajaj Allianz - Updated: 24th December 2020. ✓    In case of Property damage - An inspection officer’s report from the motor accident claims tribunal, original bills and surveyor’s report to make an estimation of the loss incurred to the third-party property will be needed to be submitted. Long term two wheeler insurance policy is not necessary for new bikes bought after 2018. Indeed very easy to renew my 2 wheeler policy. Just head on to our. No Claim Bonus applies when an insured person has a claim-free policy term, NCB is a discount on the premium offered or given to the policyholder. As you rack up the miles, Bajaj Allianz offers you top-class services that can tak Read more This means that an exhaustive motor insurance policy will provide protection to your insured vehicle as well as the third party. 2. Lastly, the surveyor will form the case report and later submit to the company to proceed with the claim. Yes, you can replace a new vehicle in your current two wheeler insurance policy. Click here for Bajaj Allianz car insurance policy copy download or get assistance through Bajaj Allianz customer care toll-free number. After calculating the premium, GST is the tax applied on it @18%, due to which the amount of premium to be paid by the customer increases. Several people choose to supplement the basic bike insurance package with the engine protection two wheeler insurance cover. Coverage against any liabilities arising due to damages suffered by a third party. Short term two wheeler insurance was valid in India till 2015. With a comprehensive third party bike insurance policy, you would automatically have the confidence to take your mean machine to the roads and get a little mud on the tyres. After calculating the premium, the GST is applied at the end, including add-ons and all electrical and non-electrical accessories. As it’s mandatory for all vehicles running on Indian roads to have third-party cover, our Comprehensive Two Wheeler Insurance Policy covers you financially from the losses, injuries or death suffered by a third-party as well. Every year one had to renew their two-wheeler insurance. Second-hand bikes are readily available in the market at much lesser prices and without hassle as well. This amount is calculated on several bases like the model, city one rides it in, add-on covers, electrical/ non-electrical accessories, registration date, etc. With age and usage, the two wheelers depreciate. The policy offers complete protection against third-party liabilities, theft, and physical damage to your bike or scooter. In 2019, the Insurance Regulatory and Development Authority of India, also known as IRDA, permitted long-term 2 wheeler insurance policies to have a time window of about three years. This rule has been scrapped in the new policy. I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made understand that these Bajaj Allianz two wheeler insurance is the most popular two wheeler insurance plan and is sold by all the Bajaj Allianz Two Wheeler insurers who provide a motor insurance policy. Buying a bike insurance policy is rewarding because it gives you peace of mind. Pay the amount to complete the transaction, and your bike insurance policy is renewed. The benefits and the level of security add-on lend to the policyholder negates the amount of extra premium is seen as minimal in comparison. Its discount percentage increases every year. Now let’s talk about the special features and benefits that come with Bajaj Allianz two wheeler insurance … These can be selected by choice of the policyholder and the requirement of the policyholder. Insurance portal provides various types of insurances such as: -. Factors considered when buying two wheeler insurance policy are: When you buy a new two wheeler, you want it to be safe and work for a long time without costing you too much in maintenance and repair costs. It covers the complete settlement of third parties and damages occurred to the policyholder and two-wheeler. If you are a bike insurance holder and haven’t claimed any type of claim against your bike, then a no claims bonus ranging from a discount of 20-50%, can be earned at the end of the policy term. Thus bike insurance which protects you completely is required. Images used on this website and the models photographed in them are for representative purposes only and false. In case of damage to the motor vehicle, the add-on two wheeler insurance cover including consumable expenses will provide coverage for all types of motor vehicle oil, refrigerants, coolants, This would mean the cost of repairs in case of damage would exceed the cost of the vehicle or the insured limits. It can be on an annual basis or for a long term of 2 to 3 years and for bikes after September 2018 - 5 years, NCB are applicable if no claim is generated in a policy year. TERMS AND CONDITIONS. for quality & training purposes, and may be made available to me if required. This is so because of the advantages of not taking the claim, that is, the No Claim Bonus discount, which the insured will receive at the time of the renewal of the policy. Without this add-on coverage, the claim is not provided to the insured. The reason behind this is the possibility of claiming in case of any damage while the insured has not paid the full premium amount. Followings are the steps to Renew Bajaj Allianz Two-Wheeler Insurance Policy Online: The third-party cover is mandatory by the IRDA, and the premium for it is fixed by the IRDA as well. In this type of two wheeler insurance, only third parties involved in the accidents are covered and compensated. call you back shortly to assist you through the Process. In an annual policy, the number of claims one can avail of is 3. Buying coverage for a bike which has been used over the years and is depreciated is considered as Old Two Wheeler Insurance. With adding certain chargeable benefits in the mix, you are eligible to receive the best offers on your possessions. There are several cases of damage claims of the bike. Enter the required details like vehicle registration number, policy details, etc. The vehicle is also protected against any damage caused by theft, fire, accidents, riot, explosions, and damage caused due to natural disasters such as landslides, floods, earthquakes, storms, etc. Thanks. The insurance firm itself fixes the premium rates under the comprehensive policy. The steps for renewal of the bike insurance policy; 1. Two wheeler Insurance process was simple and easy. When a two-wheeler is purchased, the extent of depreciation increments. You can log in with your registered User-id and Password on the portal and check the status of bike insurance online. A visit to a mechanical shop is excluded. This was awesome experience with customer case to buy a new bike insurance with Bajaj Allianz. No, the premium calculation logic is not the same for commercial and private vehicles. Blocked category, any call made or SMS sent in response to my request shall not be construed as an Just log onto to our website, navigate to the Bajaj Allianz Two Wheeler (Liability Only) page and furnish the following documents: ●  Policyholder details such as name, gender, residential address, date of birth Click the accidental pictures of the vehicle and situation of the accident. How to compare the best car insurance quotes. Once you get the bike insurance, you can avail all the policy benefits and can apply for the claim easily in case of theft and accident if you have a valid driving license. This add-on protects your no claim bonus and your bonus is safe even after generating a claim. Coverage is offered for accidents when you are driving the bike, traveling on it, mounting or dismounting from it. However, the additional coverage may depend on the area of operation. File a police complaint at the nearest police station immediately. Two wheeler insurance is required to reduce the risk that generates from being on the road in general. Policy renewal that’s done well within the date of expiry (of the original policy) allows you to avoid additional inspection. The premium rates are fixed by the Insurance Regulatory and Development Authority of India. List of documents needed are: Why Two Wheeler Insurance? The safety of a pillion rider is on you just like your safety itself. All different types of engines or the vehicles which are used in any sort of automotive and non-automotive purposes are certified and tested authentically by this agency. A soft copy will be available for download, and a printout of this document will serve as the original policy document. These are the following benefits and facts to have a Bike Insurance Policy: Earthquakes and floods are less frequent; still, it is something that your bike insurance policy covers. But now it is a quick and hassle-free process of just sitting at your device and fulfilling the essential details asked online. 1800-103-2529, 24x7 Roadside Assistance Several risks which are not covered under a two wheeler insurance policy such as damage of the vehicle under an extreme condition like war, damage due to depreciation, normal wear or tear, damage due to driving under the influence of alcohol or substances, damage done by a non-licensed driver, etc. This cover add-on provides you with an allowance to purchase the same model and type of helmet. ✓    Provide all the relevant factual details to ensure your claim is not rejected due to false information. The roadside assistance two wheeler insurance cover add on has been beneficial to those riders who travel long distances much more frequently than the others. The policy will lapse when you do not pay the premium to renew the policy on time. The time window to register and submit the claim intimation is 24 hours. Benefits of Bajaj Allianz Two Wheeler Insurance are: These are the main key benefits you can infer from your insurance policy. In the case of a break-in, you can renew your break-in policy easily online, and it gets instantly activated. A bike insurance premium bearing endorsement is the proof of the agreed change in the two wheeler insurance policy, which will attract an additional premium for alterations that you make to your insurance policy document like transfer of ownership, change of RTO, etc. With age and usage, the two wheelers depreciate. Most of the policies concerning two wheelers revolve around them. Read more. No Claim Bonus (NCB) gets fortified, and the insurance company can also increase your premium for the next cycle if the policy is not renewed within the grace period of 90 days. Discounts are provided depending upon the two wheeler insurance policy chosen by the policyholder. 15 Lakh: 62%: 1 year: Bharti AXA Two Wheeler Insurance: 5200+ Yes: Rs. Renewing an expired bike insurance policy is also very easy nowadays and is just a few steps and clicks away. The two wheeler insurance market is adding new terms and conditions with each passing year. Bajaj Allianz provides the policyholder an option of going in for a longer period of cover, with the help of which the policyholder is not burdened with the annual renewals. A written declaration and the renewal policy document. The bike insurance includes Rs. Passport size photographs of the new owner. Some of the most frequently used add ons are: Pradhan Our Two Wheeler Insurance policy covers losses suffered due to natural calamities such as fire, explosion, self-ignition, typhoon, flood, hurricane, storm, tempest, cyclone, frost, landslide and rockslide. The details/documents that need to be kept handy while registering the bike insurance claim are a photocopy of RC, photocopy of Insurance policy, affidavit, FIR if any, Driver's license, medical reports, damage vehicle photographs, etc. You can also connect with your service provider's customer care team through email or call to know the status of the policy. Zero depreciation cover is for both new and renewed two wheeler insurance policies. Electrical accessories such as fog light, which is not factory fitted, and non-electrical accessories, include a leather seat. Once you receive the charge sheet, call us on our toll-free number and our representative will initiate the process. A wide gamut of additional two wheeler insurance add-on covers to provide blanket coverage for your bike and its associated aspects. Under the Bike insurance policy, compensation will be paid under the condition of accidents leading to injuries, permanent disability of any body part, or death. The policy plan is the best, it has all the benefits what buyer needs. calls will be recorded & monitored for quality & training purposes, and may be made available to Motor Two Wheelers Third Party liability is mandatory to everyone owning two-wheelers, under Motor Vehicle Act, 1988. In case a person has 2 policies, they have to cancel 1 of them from either of the insurance companies. Keep up the good work. Immediately after the accident, the insured is accountable for reporting to the police as soon as possible. They are the same across nations and all firms. In case of damage to the motor vehicle, the add-on two wheeler insurance cover including consumable expenses will provide coverage for all types of motor vehicle oil, refrigerants, coolants, electrolytes, fluids, nut, bolt, screw, filters, bearings, washers, clips and other similar items that are a part of the vehicle. Mantri Fasal Bima Yojana, Pradhan In the case of the total loss of the bike, the company pays 60% of the amount, but it is different under different insurance policies. 3. Reading of kilometres travelled by the vehicle. Punishable offence: Driving without the mandatory third-party bike insurance or any insurance is a punishable offence. OVERVIEW OVERVIEW. The medical expenses can be claimed for anybody's injury, partial disability, permanent total disability, or even death. But the insurance policy is liable to pay for the claim even if the accident or damage occurs in a different region as the insurance coverage is valid in pan India. Bajaj Allianz executive was very helpful and easy to use. It can be yearly, for 2 years or 3 years. Benefits like No Claim Bonus (NCB) will be lost if the policy has lapsed for more than 90 days. Physical and digital payment options a customer can opt for purchasing bike insurance, only parties... 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