Are You Confused And Unable To Decide Which Insurance To Choose While Buying A Car?
In today’s world, owning a car has become a necessity. Going to office, shopping, hospital, school or for any other purpose, one does need a car. However, the fact that people have so less knowledge about a proper insurance policy is what is holding people back from buying a car. People have the fear of cheating and duping.
What Is Bajaj Allianz Car Insurance Is All About
Everyone is concerned about the protection against financial loss and legal issues relating to their precious cars. The Bajaj Allianz car insurance provides policy packages which guarantees protection against physical damage, injury/death, while also covering third-party liability. This ensures the customers a safe, peaceful, and hassle-free ownership of a car of their choice. The Bajaj Alliance Car Insurance provides services of advanced claims servicing capability and fast settlement record for the vehicles.
With the addition of the latest technology and service DriveSmart, the customers can choose to opt for and exclusive device, which once installed in the car, would record information about ones driving habits. It would monitor the car health, distance and speed. This service also provides the facility of geo-fencing of the car. These facilities keep the security and safety of the consumers at the foremost.
Why Choose Bajaj Allianz Car Insurance Over Hdfc Ergo Car Insurance
|
FEATURES |
BAJAJ ALLIANZ CAR INSURANCE |
HDFC ERGO CAR INSURANCE |
|
Add-on covers |
DriveSmart |
none |
|
Network of garages |
4000+ |
3400+ |
|
Towing facility |
yes |
no |
The Bajaj Allianz car insurance provides you a 24x7 call-centre service that will help you avail their service and telephonic help regarding queries and car insurance claim support or similar assistance even during holidays. The best thing about this car insurance is that it itself guides one to choose a proper garage for the best experience. This ensure a completely hassle-free inspection and at the same time keeps a check, that one experiences high standards of services.
Things That Bajaj Allianz Car Insurance Cover
The following are the coverages of the car insurance policy-
- It covers the losses and damages caused to the car owing to natural calamities. Such calamities would include fire, earthquake, flood, hurricane, hailstorm, landslides, etc.
- It also covers losses and damages to the car against any kind of calamities caused by man. This would include burglary, riot, terrorist activities, rail, etc.
- Most importantly, it covers personal accidents as well. The Bajaj Allianz Car Insurance has a coverage amounting to ₨ 2lakh.
- Last, but not the least, the Bajaj Allianz Car Insurance also provides protection against legal liability caused due to accidental damages impacted on the neighbour property which could have possibly resulted in injury or even death.
The Insurance Policy, However, Excludes Certain Things
The following aspects are, however excluded from the scope of the Bajaj Allianz Car Insurance Policy. They are-
- The usual wear and tear of the vehicle is excluded from the policy coverages.
- The policy even includes any consequential loss and depreciation.
- Even any usual mechanical or electrical snags are excluded
- The situation of any harm to a person with an invalid licence is also excluded
- Even damages caused to the vehicle or person owing to a case of driving under the influence of alcohol is excluded
The Available Plans
|
CATEGORIES |
BEST VALUE |
STANDARD |
FLEXIBLE |
|
Basic third party liability |
yes |
yes |
Yes |
|
Premium cost |
low |
regular |
enhanced |
|
Driver cover |
optional |
optional |
Optional |
|
Depreciation shield |
No |
no |
yes |
|
Save premium |
optional |
no |
Optional |
|
Roadside assistance |
Yes |
yes |
yes |
Requirements
The following are the required documents and papers that one might require while filing for a claim-
- A carefully filled out claim form, signed by the insured person
- Appropriate proofs of the insurance policy
- Tax receipts and the registration books
- Duly filed FIR copies and all sets of keys and warranty cards(in case of theft)
- Repairing bills and payment receipts
- Letter of subrogation(in case of theft)
- Blank and undated “vakalatnama” (in cases of theft), etc.
The Claim Procedure
The following is the summary of the process to claim under Bajaj Allianz Car Insurance Policy-
- In order to register the claim, both telephonic and online mediums can be utilised. Appropriate information should be provided with, accordingly. Once registered, the customer would be redirected to a Claim Reference Number. Updates would be given accordingly via SMSs
- Eventually, the car would be taken to a garage and proper investigations and filing of reports must be carried out.
- With the submission of the documents properly and completion of repair at preferred garage, the payment would be made.
Thus, from such and elaborate discussion about the Bajaj Allianz Car Insurance, it seems one of the most viable and favourable car insurance policy. With the guarantee and usage of latest technology by the policy, one cannot really deny this policy being a good one. This is exactly what every customer has to say about this policy.
You may like to read : Bajaj Allianz Car Insurance Customer Reviews, Feedback
