Bajaj Allianz Private Car Package Policy

• Loss/damage cover for the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• Discounts available
• Optional covers to extend protection
• Towing Facility in case of a vehicle breakdown or an accident
• Cashless claim settlement at more than 4000 preferred garages across the country
• 24x7 claims support

Own Damage Cover

Accidental loss or damage to the car insured are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

24x7 Spot Assistance: With this add-on cover, policyholders can get assistance while on the road. It provides service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and much more.

Lock and key replacement cover: In the event of an irrecoverable loss of keys, the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle is payable.

Accident Shield: Compensation is payable for death or total permanent disability of occupants (other than a paid driver), arising out of accidental bodily injury while traveling in the insured car.

Consumable Expenses: Cost of consumables such as Engine oil, Gear box oil, Brake oil, Power steering oil, etc. that may incur while replacing/replenishing the damaged vehicle, following an accident, is payable upon opting this add-on cover.

Conveyance Benefit: If the insured car is in a workshop after accidental damage and the claim for the same is accepted, the insured is entitled to receive a ‘per day’ cash benefit, depending on the plan opted.

Personal Baggage: The loss or damage caused to the personal baggage kept in the insured vehicle is payable.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the Limitations specified
• Any claim arising out of contractual liability
• Consequential loss
• Depreciation, wear and tear
• Drunken driving
• Loss/damage caused by or arising from nuclear weapons material
• War, invasion, act of foreign enemy, etc.