Bajaj Allianz Car Insurance Claim

Claim settlement is one of the crucial aspects and reasons for purchasing car insurance. Insurance companies are entitled to provide a claim or financial assistance in some specified circumstances. As a trusted and responsible insurance provider, Bajaj Allianz provides exceptional claim settlement against authentic claim requests. Several car owners have significantly benefited from this swift car insurance claim settlement process of Bajaj Allianz.

Claim Settlement Ratio of Bajaj Allianz Car insurance

Claim settlement ratio (CSR) is one of the deciding factors for choosing a car insurance policy or insurance provider. If the insurer has a high CSR, it indicates the insurance company has an edge over others in terms of claim settlement. The claim settlement ratio is calculated using the formula: the total number of claims approved divided by the total number of claims received and multiplied by 100. Every year, IRDAI (Insurance Regulatory Authority of India) publishes the CSR of each company.

Types of Bajaj Allianz Claim Settlement Process

Before proceeding to other things, it is essential to know about the types of claim settlements. Generally, there are two types of claim settlement in car insurance, and those are cashless and reimbursement claims. Vehicle owners can choose any one out of these two kinds as per their convenience.

Cashless Claim Settlement Process

The cashless claim is the favorite type of claim of car insurance policyholders. The primary reason behind this choice is that the vehicle owners are not paying any amount during the claim process. Bajaj Allianz has as many as 7200+ cashless garages (2) that are located in different states in India. Insurers also recommend that policyholders opt for cashless garages. As those garages have a tie-up with Bajaj Allianz, not only do they prioritize those vehicle repairs, but also the claim process is streamlined.

Reimbursement Claim Settlement Process

Those car owners who cannot avail the benefit of the network of garages for any reason, such as no nearest location or due to any other reason can choose non-network garages. In this claim process, you can get the repairing of the four-wheeler from any non-network garage in India. At first, vehicle owners must pay the repair cost, and then they can submit the garage bills to the insurer for the reimbursement of claims. Although this claim process is not as fast as cashless, you can definitely choose this option at your convenience.

Bajaj Allianz Claim Initiation

Irrespective of claim type or kind, car owners must inform the insurer, which is Bajaj Allianz in this case. If you don’t notify the insurer, your claim process won’t be started. As a result, the entire claim procedure will be delayed unnecessarily. Car owners who want to get a claim have to dial the toll-free number 1800-209-5858 or write to the email ID bagichelp@bajajallianz.co.in. In another way, the car owners send the message to 7507245858. As soon as the claim initiation is done, your claim process will begin.

Alternatively, the vehicle owners can dial 1800-266-6416 if they choose Motor On The Spot (MOTS). There is also the option of using the official website of Bajaj Allinz (www.bajajallianz.com) to register the car insurance claim. Smartphone users can install ‘Caringly Yours’ in order to initiate the claim.

How to File a Bajaj Allianz Car Insurance Claim?

In spite of certain common steps, some of the claim processing steps vary from one another. Without wasting any time, look at the car insurance and their claim steps.

Accidental Claims

Steps included in an accidental claim are:

• In the beginning, inform the insurer about the accident and raise a claim request through email, phone, or app.
• Take the damaged car pictures or videos and lodge an FIR (First Information Report) at the nearest police station.
• An authorized surveyor of the Bajaj Allianz will visit the accident spot to inspect the vehicle
• Submit all the required documents (RC copy, insurance copy, driving license copy, etc.) to the insurer
• Send the car to a network or non-network garage and repair the car
• Bajaj Allianz claim section will review the documents and approve the claim if it is authentic

Third-Party Claims

The required steps for the third-party claim are a bit different from other car insurance claims, and the steps are:

• Inform the insurer about the damages of third-party liabilities and don’t agree with any out-of-court settlement with third-party.
• Forward the legal notice that you receive from the third-party.
• Bajaj Allianz’s executive will inspect the car and situation and assign a dedicated lawyer for this claim.
• Submit all the essential documents, such as claim form, RC copy, policy copy, FIR copy, etc.
• This case will be judged by the Motor Accident Claims Tribunal, and they will determine a claim amount, and an insurer will pay this amount.

Theft Claim

You are eligible for getting a claim for the stolen car, and those claim processes include:

• Notify the Bajaj Allianz and file an FIR should be done side by side
• Always inform the Road Safety and Security of India about the car theft incident that you are in the safe zone
• Take the no-trace copy from the police authority and submit it along with other required documents
• The insurer reviews the documents and process and approves the claim as early as possible

Claim Process of Bajaj Allianz Car Insurance

If you would like to go in the traditional way or in the digital procedure, you have to follow well-defined steps.

• Notify the Insurer: Inform the insurer after the accident or any mishap by logging in to Bajaj Allianz’s official website or through the app.
• Lodge an FIR: This is a must step after a car accident or damage. The insurance policyholders must file an FIR with the police station and collect the FIR copy for further claim processing.
• Collect the Evidence: Click the picture of the damaged car and third-party liabilities. If it is possible, collect CCTV footage of the car accident.
• Vehicle Inspection: The insurer’s inspector visits the findings.
• Submit Documents: Provide the required documents, like RC copy, policy copy, claim form, etc. to the insurer
• Repair the Car: Visit the network or non-network garage and repair the car for cashless and reimbursement claims, respectively. Collect the repair bill and produce it to Bajaj Allianz (only applicable for reimbursement claims).
• Claim Approve & Payment: Claim authorities of the insurer review the received documents and can also ask you to provide additional documents. If all goes well, the claim will be approved, and the approved amount will be credited to the policyholder’s bank account.

Documents Required for Bajaj Allianz Claim Process

At the time of the claim process, all the car owners should provide the following documents appropriately:

• A valid driving license for driving the four-wheeler
• Copy of car insurance
• RC (registration certificate) copy
• Duly signed and correctly filled out claim form
• Government-issued ID card (Aadhar or PAN card)
• FIR copy
• Cancelled cheque
• Address proof (Aadhar or voter ID)
• An active email ID and mobile number
• Repair bill (only applicable for reimbursement claim settlement process)

NCB (no claim bonus) is an integral part of the car insurance policy. Bajaj Allianz has this NCB in its car insurance. You should have a clear and in-depth idea about it from the inside out.

• Details: NCB is only available for every year without a claim. This NCB increases by 20% in every claim-free year. A maximum of 50% can be increased of NCB within 5 years. If you have raised a claim, the car owner can still keep it intact by purchasing the NCB add-on.
• Benefits: NCB is the reason why the car insurance premium doesn’t increase every year. NCB provides a substantial discount on the insurance premium, and the insurance policyholders save money. It helps the car driver to drive the car cautiously, and they don’t raise the claim for minimal damages. NCB can be transferred to a new car as well.
• Limitations: The most significant limitation is that NCB is not applicable for third-party car insurance. When the car insurance is not renewed within 90 days of the renewal date, the NCB expires automatically. The NCB ceiling is 50%, no matter how many years you accumulate beyond the 5 years.

Bajaj Allianz Car Insurance Claim Assistance and Support

Every car insurance policyholder expects the best claim support during the claim process. That’s why InsuranceDekho is known for giving by far the best claim assistance.
There are two customer support points available: dial 755-1196989 and ask our customer support person, or write your query to support@insurancedekho.com.

If you have any grievance, contact the grievance officer, Mr. Rohit Khurana, at grievance@insurancedekho.com, and for further assistance, connect with the principal officer at PO_GIBPL@girnarinsurance.com. Don’t expect claim approval from us, as we are not the insurance provider, we will however assist you throughout the process.

Bajaj Allianz’s claim assistance number is 1800-209-5858, or you can get Motor On The Spot by calling 1800-266-6416. In the online claim processing, you can go to the website and select the Motor Claim Assistance tab. For email communication, the email address for claim issues is bagichelp@bajajallianz.co.in.