Add-on/Top-up covers

• 
  All India Customer Care for drivers and insurance holders who need any form of assistance on the road when they face difficulties, along with providing them with total solutions for any vehicular emergency from simple breakdowns to accidents.
  
• Lock and key replacement cover
  In the event of irrecoverable loss of keys or a security risk arising out of an incident of lost keys of the insured vehicle, cost of new locks or replacement of keys will be indemnified.
  
• Accident Shield
  Compensation for total permanent disability or death of occupants that are traveling in an insured car which may arise of out of bodily injury due to an accident of that car.
  
• Consumable Expenses
  Cost of consumables such as engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may incur while replacing/replenishing damaged parts e.g. of an insured vehicle would be covered as and when required.
  
• Conveyance benefit
  If the insured car is in a workshop following an accidental damage is accepted, the insured would get a per day cash benefit as per plan opted by the insured.
  
• Personal baggage
  

  Insured is indemnified in case of a loss or damage to their personal baggage kept in their insured vehicle - damage caused by the perils covered in the policy.

Buy Car Insurance Online with Bajaj Allianz

Your car insurance policy is the most important document in your vehicle because it protects you against financial loss and legal issues. Millions of car owners across India trust us to insure their car since we provide package policies that would protect them against physical damage, bodily injury / death and cover against third-party liability, bringing them security and peace of mind. All this is backed by our advanced claims servicing capability and fast settlement record for vehicles insured with us.
Now with our new DriveSmart service you can opt for an exclusive device, which can be installed in your car to record information about your driving habits, monitoring your car health, distance, speed, etc. This device allows geo-fencing of your vehicle, that would ensure furthermore safety for you and your family.
Note: This policy is applicable only for private cars.

Group Personal Accident Insurance Scheme (GPAIS) - 2017

In GO(P) No.  144/2016/Fin Dated 30/09/2016 Government have renewed the Group Personal Accident Insurance Scheme for a further period of one year from 01/01/2017.

More Details here
Downloads : Government Order, Nomination Form, Schedule (Form II), Claim Form

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Online Insurance Purchase Gets a Boost with Digital Sops

The online insurance market does not even account for 1% of the gross premium amount of Rs.4.63 lakh accumulated by the insurance industry in the Financial Year 2016. But the government’s decision to incentivise online policy purchase from the public sector companies comes as a major boost for the future of this sector.
This decision comes amid a plethora of other announcements made by the Central government to push the country towards a cashless economy. The government-owned insurance companies would now offer a discount or credit of up to 10% of the premium amount in case of general insurance and 8% in case of new life insurance policies sold through customer portals, if the premium is paid via digital means.
According to IRDAI, purchase of online health insurance contributed to 2% of the total premium collected in health insurance sector in the Financial Year 2016. In the life insurance sector, online sales provided 0.52% of all the new premium collected.
Although government sector insurers like LIC lead the insurance sector, they lag behind their private peers when it comes to online sales. According to Alok Bhatnagar, the co-founder of EasyPolicy, currently the market share of public-sector firms for purely online purchase of policies is not more than 15%.

3rd January 2017

Auto Insurance

One of the most important responsibilities of owning a vehicle is car insurance. All states require you have some way of proving you are financially responsible should you be found at fault in an accident. More than likely, you will required by law to at least carry your state’s minimum requirement of liability coverage.

You might think that with most states mandating minimum liability coverage that everyone would be insured, but many drivers don’t have any proof of financial responsibility. Suffice to say, without car insurance, you leave yourself open to lawsuits and possible financial ruin. Moreover, not having any or enough liability coverage is a huge legal risk that can bring about hefty fines and even jail time.

If you need to insure your vehicle or are looking to change insurance providers for some reason, you may feel intimidated by the maze of insurance choices out there. InsuranceUSA.com is designed to help you draw a straight line to a selection of car insurance quotes that make sense for you and your particular situation.

When shopping for insurance quotes, knowing exactly what kind of coverage you need is perhaps the most difficult part of the process. InsuranceUSA.com guides you with information and access to fast, free quotes 24/7 so the process of covering your vehicle is convenient and hassle-free.

We lay out everything you need to know about what kind of coverage you absolutely need and how much. We also explain other types of coverage you can purchase comprehensive, collision, uninsured/underinsured, and more. There’s also useful information on discounts you can obtain to lower your premiums and save you money.

By supplying some basic information such as your vehicle’s specifics, driving history, desired coverage, and more, we can easily and conveniently provide you with a number of quotes specifically tailored for you.

So what are you waiting for? Using InsuranceUSA.com means you could save considerably on car insurance and gain peace-of-mind knowing you and your vehicle are protected!