Bajaj Allianz Car Insurance Policy Download

Bajaj Allianz General Insurance Company is a joint venture between Allianz SE and Bajaj Finserv Limited. They are one of the largest private insurance companies in India, with a revenue of ₹ 4,761 crore in Q1 FY 2024-25 and a net profit of ₹576 crore. Recently, the insurer changed its brand identity to ‘Caringly Yours’ to show that it protects and cares about its customers. They also reported a combined ratio of 103.7% and a solvency ratio of 311% in the FY 2024-25 Quarter 1. (1)

Here, we will discuss what a policy document is, what the details are mentioned in it, its importance, the download process, how to check the status of this document, and some FAQs (frequently asked questions).

What Is A Car Insurance Policy Document?

The car insurance policy document is a legal agreement between the insurer and the policyholder. The document has all the important information about the policy and the policyholder’s car, including the model, variant, engine, and chassis number of the car. The document also includes the policy coverage details.

Importance Of The Bajaj Car Insurance Policy Document

Now, let’s understand the importance of a policy document.

Proof of Insurance

The policy document is a legal document that showcases that the insurance company is obliged to provide you with financial and legal help in times of need. It also contains information about the coverage amount and the insured car’s details.

Insured Declared Value (IDV)

The Insured Declared Value is the value calculated by the insurance company for your car during the registration process or at renewal. The insurance company uses this value to evaluate the claim amount or the selling amount of your car when needed. The policy document contains the IDV value of your car.

Renewal Dates

The policy document also clarifies the renewal dates of your policy so that you do not miss renewing your policy on time. Because if you fail to renew it on time it might cause you a lapse in your coverage. The document also has information about the grace period that you receive to pay your premiums.

Inclusions and Exclusions

One of the most important information that your policy document contains is the inclusion and exclusions of the policy. This helps the policyholder to understand what situations their policy will cover and what it will not cover and saves them from having any false expectations.

Help Policyholder Understand Everything About The Policy

To understand the policy wordings and jargon, this policy document proves a lifesaver. Through this, policyholders can understand all the policy conditions and terms more precisely.

Contact Information

The document contains the contact information of the person or persons whom you can get in touch with if you face any troubles with your policy. This contact information serves a great purpose in case of an emergency and while filing a claim.

Important Details Mentioned In The Bajaj Policy Document

Let’s see some of the important details mentioned in the Bajaj policy document.

• Policy Number: The most important information that your car insurance policy document contains is your policy number. The policy number is a unique number given to your insurance policy for easy identification purposes.
• Personal Information: The policy document has the personal information of the policyholder, such as their name, phone number, email, and address. The policyholder should always keep this information updated.
• Insured Vehicle Details: Information about your car, such as make, model, and registration number, is also mentioned in the policy document. With this information, the insurance provider easily identifies the insured car. The document also contains the geographical area information which will be covered by the insurance.
• RTO Details: The Regional Transport Office or RTO from where the registration certificate of the car has been taken is also mentioned in the document.
• Coverage Details: The policy document mentions what coverages the insurance will provide to the policyholder. It mentions what types of damages are covered, such as accidents, theft, fire, or natural calamities. The document also has the details of the premium that the policyholder needs to pay to the insurer. The deductibles and other terms and conditions are mentioned in the policy document.

How To Download Bajaj Car Insurance Policy Document From InsuranceDekho?

You can download the Bajaj car insurance policy document from InsuranceDekho both online and offline. Both the types are discussed in detail below.

Online Process

Step 1: Log on to InsuranceDekho’s Website

Log on to www.insurancedekho.com and click on the ‘My Login’ option on the top right portion of the page.

Step 2: Enter Mobile Number & OTP

Enter your registered mobile number and the OTP that you will receive on the number to verify it.

Step 3: Check The Status or Download Policy PDF

On the customer dashboard, you will see the list of all policies you have taken through InsuranceDekho. In that list, click on Bajaj Car Insurance policy and click on the ‘Download’ option.

Step 4: Save PDF

Once you click on the ‘Download’ option, the document will be downloaded to your system.

Offline Process

If you wish to download your policy document through offline mode, then, connect with an InsuranceDekho advisor on call +91-755-1196989. You can also email at support@insurancedekho.com.

You can also follow a similar process to download the policy document from the website of Bajaj Car Insurance as well.

How Can I Check My Bajaj Car Insurance Policy Status?

To check the status of your Bajaj car insurance policy, log in to the InsuranceDekho portal and follow the steps mentioned in the above section.

How To Get A Hard Copy Of The Bajaj Car Insurance Policy Document?

Though it was necessary to carry the hardcopy of your car insurance with you, the introduction of the e-Vahan Bima app (3) by the Government of India has made it easy to carry the softcopy of your car insurance as well, which means you do not always have to carry the hardcopy with you. You can keep a digital copy of the policy document on your smartphone.

How Can I Make Changes To My Bajaj Car Insurance Policy Document?

If you want to make changes to your Bajaj car insurance policy document, then you should contact an InsuranceDekho advisor to solve your issue. You can email your queries to support@insurancedekho.com or call +91-7551196989.

Some of the common reasons for making changes in your policy document are:

• Printing errors in the document
• Incorrect personal or car details
• Discrepancy in the premium amount
• Discrepancy in the insured value

Official Website

You can also go to the official website of Bajaj Car Insurance to check the details of your policy: https://www.bajajallianz.com/motor-insurance/car-insurance-online.html