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Bajaj General Comprehensive Two-Wheeler Insurance combines own-damage protection for an insured motorcycle or scooter with third-party liability cover under one policy. The official product page lists cover for eligible accidents and collisions, fire, theft, specified natural or man-made calamities and damage during transit, subject to the policy wording. Third-party liability addresses eligible legal liability for bodily injury, death or property damage caused to another party. Personal accident protection may apply according to the selected policy and applicable requirements. Optional add-ons can enhance protection and may include zero depreciation, roadside assistance, consumables cover, engine protection, tyre safeguard and No Claim Bonus protection, subject to eligibility and availability. The final premium depends on the vehicle make and model, engine capacity, IDV, registration location, policy period, claim history and selected add-ons.
Combined protection for covered accidents, theft, fire, natural calamities and third-party liabilities
This package-style policy is intended for riders who want protection for their own two-wheeler as well as third-party liability. When comparing quotes, check the insured declared value, compulsory and voluntary deductibles, repair network, add-on eligibility and exclusions. Cashless repair facilities may be available through network garages, subject to approval and claim conditions. No Claim Bonus may reduce the eligible own-damage renewal premium after claim-free periods, subject to applicable rules. The insurer’s advertised ₹538 starting figure relates to third-party two-wheeler insurance and should not be represented as the price of this comprehensive plan. Obtain a vehicle-specific quote and read the policy schedule before purchasing.
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 physical damage to the insured motorcycle or scooter caused by accidental external events and collisions.
Claim assessment, deductibles and policy exclusions apply.
Provides cover for eligible insured vehicle damage resulting from covered fire or explosion events.
Subject to the issued policy wording and exclusions.
Provides indemnity for admissible theft or total-loss claims based on the insured declared value and applicable policy conditions.
Claim investigation and documentation requirements apply.
Covers specified insured damage caused by events such as floods, cyclones, earthquakes, riots or vandalism.
Only events included in the policy wording qualify.
Provides protection against eligible legal liability for third-party bodily injury, death or property damage caused by the insured vehicle.
Applicable legal limits and policy conditions govern settlement.
An optional cover that can reduce depreciation deductions on eligible replaced parts during admissible repairs.
Availability, vehicle eligibility and limits depend on the selected add-on.
Optional emergency assistance may include towing, flat-tyre help, battery support or fuel assistance as specified.
Service scope and limits are subject to the add-on terms.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Bajaj General plans and claim process
It combines eligible own-damage protection for the insured bike or scooter with third-party liability cover, subject to policy terms.
It can cover eligible accidents, collisions, fire, theft, specified natural or man-made calamities and third-party liabilities, according to the issued policy.
The premium is quote-based and depends on the vehicle, engine capacity, IDV, location, policy period, claim history and selected add-ons. The ₹538 advertised starting figure on the official page refers to third-party premium, not a guaranteed comprehensive 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)
An optional cover for specified engine-related damage, such as eligible water-ingress or lubricant-leakage losses.
Ordinary mechanical breakdown is not automatically covered; conditions apply.
Yes. Comprehensive two-wheeler insurance combines own-damage cover with third-party liability, subject to the policy schedule and applicable law.
Zero depreciation is listed among the optional two-wheeler add-ons. Confirm availability, eligibility, limits and additional premium in the quote.
Specified engine-related losses may be covered if an applicable engine-protection add-on is selected and its conditions are met. Ordinary mechanical breakdown is generally not covered.
Eligible claim-free policy periods may qualify for a No Claim Bonus discount on renewal, subject to applicable rules and claim history.
Notify the insurer promptly, register the claim through its available digital or customer-support channels, provide requested documents and photos, and follow inspection and repair instructions.