Bajaj bike Insurance

Discover everything you need to know about Bajaj bike insurance plans, from understanding different plans to renewing your policy. Ensure your Bajaj motorcycle is well-protected.
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3 min
05-July-2024

Hitting the road on your Bajaj Pulsar, Avenger, or Dominar is an exhilarating feeling. But unexpected events can disrupt your journey. Bajaj bike insurance provides a financial safety net, safeguarding your prized possession against accidents, theft, and more. This guide explores the different Bajaj bike insurance plans available, what's covered, and the hassle-free process of purchasing and managing your policy.

Understanding Bajaj two-wheeler insurance

Bajaj motorcycles are known for their power, performance, and affordability. To ensure a smooth ride, protecting your investment with Bajaj bike insurance is essential. Bajaj bike insurance functions similarly to other two-wheeler insurance policies, offering financial protection against unforeseen circumstances like accidents, theft, natural disasters, and fire.

What types of Bajaj bike insurance plans are available?

Bajaj offers a variety of insurance plans to meet different needs. Understanding these options helps you choose the best policy for your bike.

Insurance Plan Description
Third-Party Covers third-party damages and liabilities but not the insured bike.
Comprehensive Includes third-party cover and own damage protection.
Standalone OD Only covers damages to the insured bike, not third-party liabilities.
Personal Accident Offers coverage for the owner-rider in case of accidental injuries or death.

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What is covered in Bajaj bike insurance?

Bajaj bike insurance offers extensive coverage to protect your motorcycle against various risks. Here’s what’s typically included:

  • Accidental damage: Covers repair costs due to accidents.
  • Theft: Compensation if your bike is stolen.
  • Natural disasters: Protection against damages from floods, earthquakes, etc.
  • Man-made disasters: Coverage for riots, vandalism, and other such incidents.
  • Personal accident cover: Financial protection for the rider in case of injury or death.
  • Third-party liabilities: Legal liabilities for damages caused to third parties.

Note: The specific coverage details may vary depending on the insurance company and the chosen plan. Always thoroughly read the policy document to understand what's included and excluded.

What’s not covered in Bajaj bike insurance?

Here are some general exclusions to consider in Bajaj bike insurance policies:

  • Wear and tear: Regular wear and tear or ageing of the bike.
  • Electrical/mechanical breakdown: Issues like engine failure due to internal malfunctions.
  • Riding under influence: Accidents caused while riding under the influence of alcohol or drugs.
  • Riding without license: Damages occurring when the rider does not possess a valid driving license.
  • Outside geographical limits: Incidents happening outside the geographical area specified in the policy.
  • War and nuclear risks: Damages due to war, nuclear risks, or similar events.

How to buy Bajaj bike insurance

Purchasing Bajaj bike insurance is a straightforward process:

  1. Research insurance plans and providers: Compare various insurance providers and plans leveraging the website and apps offering motor insurance policies.
  2. Select coverage: Choose the plan type and coverage that fits your needs and budget.
  3. Provide details: Fill in the necessary details like bike model, registration number, and personal information.
  4. Get quotes: Obtain insurance quotes and compare them.
  5. Purchase: Select the best quote, pay the premium online, and receive your policy document via email.

How to check my Bajaj bike insurance status?

Here are two ways to check your Bajaj bike insurance status:

Contact your insurance provider

You can directly contact your insurance company's customer care department and inquire about your policy status. They can provide details like validity, coverage details, and renewal options.

Online portal

Most insurance companies offer online customer portals where you can log in using your policy details and access information about your insurance plan.

Via the VAHAN online portal

Login via your mobile number, provide the two-wheeler registration number, and click on the “Search Vehicle” button to view bike details, including insurance validity.

Bajaj bike insurance is crucial for protecting your motorcycle and ensuring compliance with legal requirements. By understanding the different types of plans, coverage details, and the process for buying and renewing insurance, you can make informed decisions that best suit your needs.

Frequently asked questions

How long does it take to renew Bajaj bike insurance?
Renewing Bajaj bike insurance is quick and can be completed online in a few minutes, ensuring no lapse in coverage.
Which insurance add-on should I buy for Bajaj bikes?
For comprehensive protection, consider add-ons like zero depreciation, engine protection, and roadside assistance.
How to get insurance details by vehicle number?
To get insurance details through vehicle registration number, visit the Parivahan portal, click on ‘Know Your Vehicle Details’ option under ‘Informational Services’. Log in to your account and provide the vehicle registration number to get various details about the vehicle including the insurance status.
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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Nissan AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.