If you own a car in India, insurance isn’t just a formality — it’s your financial safety net. From unpredictable roads to natural disasters, the right insurance can save you thousands. In 2025, Bajaj Allianz Car Insurance continues to be a top choice for Indian drivers looking for solid coverage, great service, and fair pricing.
Here’s everything you need to know about it — including plan types, pricing, and extra benefits.
Why Bajaj Allianz?
Bajaj Allianz is a trusted name in the Indian insurance industry. With over 6,500+ cashless garages across India, 24/7 customer support, and a reputation for quick claims processing, they’ve earned the confidence of car owners nationwide.
Whether you’re a first-time buyer or renewing your policy, Bajaj Allianz offers flexible plans that fit your budget and needs.
Types of Car Insurance Plans
1. Third-Party Insurance (Mandatory)
This covers you against legal liability for damage or injury to a third party.
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Who should buy it?
Someone looking for the basic legally required coverage. -
Price Range: ₹2,000 – ₹2,500/year (varies by engine size)
2. Comprehensive Car Insurance
This includes third-party cover plus protection for your own car (accidents, theft, fire, flood, etc.).
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Who should buy it?
Most car owners – it’s ideal for protecting your vehicle completely. -
Starting Price: ₹3,000 – ₹7,500/year
(Depends on your car model, IDV, location, and add-ons)
3. Standalone Own Damage Insurance
Already have third-party cover from elsewhere? This protects just your car.
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Price Range: ₹2,500 – ₹5,000/year
Popular Add-On Covers (Optional)
Want to upgrade your coverage? Bajaj Allianz offers valuable add-ons to enhance your policy. Here are some of the most useful:
| Add-On | Estimated Cost | Benefit |
|---|---|---|
| Zero Depreciation Cover | ₹1,200 – ₹2,500 | Full value during claims, no depreciation |
| Engine Protection Cover | ₹800 – ₹1,500 | For water/flood damage |
| Roadside Assistance | ₹300 – ₹600 | Help with towing, flat tyre, etc. |
| Key Replacement Cover | ₹200 – ₹500 | Lost/stolen keys covered |
| NCB Protector | ₹500 – ₹1,000 | Keeps your bonus intact after a claim |
Adding 2–3 add-ons usually increases the premium by ₹1,000 to ₹3,000 but significantly improves your coverage.
Sample Price Estimate (2025)
Let’s take a 2021 Maruti Baleno (Petrol) in Delhi with an IDV of ₹5.5 lakh:
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Base Comprehensive Premium: ₹6,000
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Zero Depreciation Add-on: ₹1,500
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Engine Protection: ₹1,200
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Roadside Assistance: ₹500
Total Premium: ₹9,200 approx.
(Note: Actual price may vary based on your car’s age, variant, and city.)
Key Benefits of Bajaj Allianz Car Insurance
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Cashless repair at over 6,500 garages nationwide
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Instant online purchase & renewal in minutes
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24×7 spot assistance for emergencies
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Fast claim approval through their “Caringly Yours” app
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Up to 50% No Claim Bonus (NCB) for safe drivers
Is Bajaj Allianz Right for You?
If you’re looking for:
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Affordable premiums
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Trusted customer service
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Customizable protection
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A large cashless garage network
…then Bajaj Allianz Car Insurance is absolutely worth considering in 2025.
It’s not just about insuring your vehicle — it’s about driving with confidence knowing you’re covered when it matters most.
Conclusion
Always compare quotes online and use the Bajaj Allianz premium calculator before buying. Pick add-ons that suit your lifestyle and driving conditions. And don’t forget to check your Insured Declared Value (IDV) — it affects both your premium and your claim payout.
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