What does my Bajaj Allianz motor insurance policy cover?

what does car insurance coverBajaj Allianz offers a comprehensive cover that is designed to offer protection to you and your vehicle. The comprehensive cover comprises of:-
a) Damage to your vehicle– The policy covers you against any loss or damage caused to your vehicle or its accessories due to natural and man made calamities as defined in the scope of coverage:-

What is covered Exclusions
Accidents & external damage Wear & tear, depreciation, mechanical or electrical breakdown
Fire & explosion Consequential loss
Riots & strikes A voluntary excess (if opted)
Malicious act Other exclusions as per the policy
Burglary / housebreaking / theft Driving without valid driving license
Transit The vehicle being driven by a person under the influence of alcohol or drugs at the time of the loss
Storm and flood

b) Third party legal liability – The policy covers the vehicle owner’s legal liability to pay compensation for:-

What is covered Exclusions
Legal protection for death or injury claims from third parties, including occupants of your vehicle Damage to your personal property
Costs and expenses incurred without the prior written consent of Bajaj Allianz Legal protection for damage to third party property
Personal accident benefits for you, your paid driver and occupants of your vehicle Legal costs and expenses
Other exclusions as per the policy
Protection of your legal liability towards your paid driver

Liability is covered for an unlimited amount with respect to death or injury and damage to third party property for up to Rs.7.5 lakhs under commercial and private car and up to Rs.1 lakh for two wheelers.

c) Personal accident cover to driver (owner) – The policy provides compulsory personal accident cover for individual owner / driver of the vehicle for up to Rs.2 lakhs for a premium of Rs.100.


Read our article on the steps involved in registering a car and two-wheeler claim useful.

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