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Bajaj General Comprehensive Car Insurance combines own-damage cover for the insured car with third-party legal liability protection in one motor policy. Subject to the policy wording, it can cover damage caused by accidents, collisions, fire, theft, natural calamities and specified man-made events. The policy may also provide personal accident protection as applicable under the selected cover and regulatory requirements. Customers can explore optional covers such as zero depreciation, engine protection, consumables cover, return to invoice and roadside assistance, subject to eligibility and availability. The premium is determined by vehicle details, insured declared value, location, claim history, deductibles and selected add-ons.
Protection against covered accidents, theft, fire and natural or man-made disasters, with optional add-ons
This package-style cover is intended for owners who want protection for their own vehicle as well as third-party liability. Its practical value depends on the selected IDV, applicable deductibles, repair network, exclusions and add-ons chosen. Review the policy schedule and wording before purchase: a comprehensive policy does not mean every loss is covered, and optional covers may carry eligibility requirements, limits or conditions. The insurer advertises a starting price, but the payable premium must be confirmed using the vehicle-specific quote.
Bajaj General
Key Insights
Founded
2001
Bajaj General was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.1% CSR, calculated as a 3-year average
Bajaj General settles 98.1% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-209-5858
Headquarters: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, Maharashtra
Covers eligible damage to the insured car caused by accidental external events and collisions, according to the policy wording.
Deductibles, exclusions and claim assessment apply.
Provides cover for insured vehicle damage caused by covered fire or explosion events.
Subject to policy terms and exclusions.
Provides indemnity for covered theft or total-loss claims based on the applicable policy terms and insured declared value.
Police documentation and claim requirements may apply.
May cover insured vehicle damage from specified events such as floods, storms, earthquakes, riots or vandalism.
Only events included under the policy wording are covered.
Covers eligible legal liability for third-party bodily injury, death or property damage arising from use of the insured vehicle.
Property-damage limits and legal conditions apply.
An optional cover that can reduce depreciation deductions on eligible replaced parts during an admissible claim.
Availability, limits and conditions depend on the selected add-on.
An optional cover for specified engine-related losses, such as certain water-ingress or lubricant-leakage damage, where covered.
Not all mechanical failures are covered; refer to the add-on wording.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Bajaj General plans and claim process
It combines own-damage cover for the insured car with third-party liability protection, subject to the policy wording and schedule.
Eligible accidental damage, fire, theft and specified natural or man-made events may be covered, along with third-party liability. Exact cover depends on the policy terms.
The insurer advertises a starting premium of ₹2,094 on its website. This is not a guaranteed price; obtain a vehicle-specific quote to confirm the payable premium.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Bajaj General website before purchasing.
Official Website
bajajallianz.com
Visit the official Bajaj General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Optional emergency assistance may include towing, flat-tyre support, battery jump-start or fuel assistance as specified.
Service scope and limits are governed by the selected cover.
These are advertised as optional add-on types, subject to vehicle eligibility, availability, additional premium and the selected policy wording.
No. Deductibles, depreciation where applicable, exclusions, non-covered items and claim conditions can affect the amount payable by the insurer.
Notify the insurer promptly, register the claim through its available channel, provide requested documents and photographs, and follow the insurer instructions for inspection and repairs.
Third-party liability is part of the comprehensive package, subject to the policy schedule and applicable legal limits.
A mechanical breakdown by itself is generally not covered under standard own-damage insurance. Specific engine-related losses may be covered only if an applicable add-on and its conditions apply.