How to choose a car insurance cover with a very simple claim process

You’ve heard of car insurance. Everyone has. It’s probably one of the least exciting parts about buying a car. Instead, one would rather think of the car’s engine, power, how it adapts to the road, its fuel economy, the features it’s packed with, and which colour it looks amazing in. Right? After all this wondering, one will think of the means to finance a purchase. And then, when most of the required activities are over with, will they deal with insurance (like it’s an uninteresting chore you have to get over with).

According to the law, car insurance is a necessary possession. But beyond that, it makes complete financial sense too. You invest a lot of your hard-earned money to buy a car. That investment needs to be protected. Just like how your car is packed with safety features, insurance is a safety feature that protects you from the cost of unexpected damage. Without insurance, the cost of everything, from accidental damage repair and towing to medical costs for the injuries occurred in an accident, would be yours to bear. If due to unfortunate circumstances, you were responsible for the accident, then you would also be liable for any damages caused to others or their property. *

Put it all together and you realise that it adds up to a mighty sum. Don’t be discouraged. That’s why car insurance exists. It lets you enjoy the best of times, responsibly, with the car your love, without worrying about any liabilities. *

* Standard T&C Apply

Getting the right cover

The first step to getting the right amount of insurance is choosing the right company. It’s best to go with a reputed coverage provider like Bajaj Allianz General Insurance Company. With it, you will get the option of choosing a more comprehensive type of coverage instead of the standard third party liability cover. You can opt for 24x7 roadside assistance in case your car breaks down and requires quick assistance. There is the zero-depreciation cover that protects the value of your car over time and ensures you get the best compensation value possible for your car. You also get to enjoy a no claim bonus, wherein if you do not file a claim against your policy during the policy term, you can enjoy a discount or reduction on your premium payment for the next term. There’s also accident coverage that covers damages for you, your driver, and all passengers in your car, in the event of an accident. It’s very handy if you love long road trips. You can also add on lock key replacement coverage and even an engine protector coverage that will help you deal with the damage to the engine caused by lubricant leakage, water-logging damage, gearbox damage and damage to other vital engine parts. But there are a couple of other things that make choosing Bajaj Allianz General Insurance Company as a coverage provider even more logical. One of them is the assurance that you will have the right coverage, and should the need arise, your claim will be processed smoothly without any hassles. *

Here’s how you can file a Motor Insurance claim.

Step 1: Call your insurance company

Step 2: If your car is damaged in an accident, or in the case it’s stolen, inform the police, and file an FIR

Step 3: In case of damage, request your insurance company to send a surveyor to inspect and examine the damage*

Step 4: Your insurance company has a wide network of garages; take your car to one of them so that you can make a cashless claim*

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But there’s another way to claim damages with Bajaj Allianz General Insurance Company. Let’s check it out.

Motor OTS

Insurance sounds like such a traditional concept; it’s a little hard to imagine that it has kept up with these fast-changing technological times. Bajaj Allianz General Insurance Company offers an advanced feature for Motor On-The-Spot or Motor OTS, that simplifies the filing and settling of a car insurance claim. It allows you to instantly register a motor insurance claim from your mobile right from the accident spot and receive the settlement into your account in minutes. *

To submit a claim, you can upload the necessary documents from your phone without needing to provide the repair bill to claim reimbursement. The claim amount gets transferred to your bank account in minutes. And as long as you have network access, you can submit a claim from anywhere in India. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.