Car Insurance
Comprehensive private car insurance, cashless repairs at 7,200+ garages, 24×7 spot assistance and quick claim settlement
- EV Car Insurance
- Own Damage Cover
- 7,200+ Cashless Garages
- 24×7 Spot Assistance
- NCB up to 50%
- Free Consultation
- No Obligation
- IRDAI Authorised Advisor
- Instant Quote
About this plan
Private car insurance from Bajaj General Insurance protects your car against accidents, theft, fire, natural and man-made disasters, and covers your legal liability towards third parties. Choose between mandatory Third-Party Liability cover, Standalone Own-Damage cover, or a full Comprehensive (Package) policy, and enhance it with add-ons like Zero Depreciation, Engine Protector, Consumables, Roadside Assistance, Return to Invoice, Key Replacement and more.
Key benefits
Why customers in Hyderabad choose this plan.
Comprehensive Protection
Covers accidents, theft, fire, floods, cyclones, earthquakes, riots, vandalism and third-party liability.
24×7 Reliable Support
Dedicated call centre and chat support for policy queries and emergency assistance.
7,200+ Cashless Garages
Repair at a wide network of authorised garages across India with zero out-of-pocket payment.
On-the-Spot Claim Settlement
Register and settle eligible car claims in minutes via the Bajaj General app, right from the accident spot.
Types of Car Insurance plans
Pick the structure that matches your usage, budget and legal requirements.
Third-Party Liability Only
Mandatory cover under the Motor Vehicles Act, 1988, covers legal liability for injury, death and property damage caused to third parties by your car. Policy period: 1 or 3 years.
Best for: Older cars or budget-conscious owners meeting the legal minimum.
Standalone Own-Damage
Covers only damages to your own car from accidents, fire, theft and natural/man-made calamities. Requires an active third-party policy. Policy period: 1 year.
Best for: Owners with a multi-year TP policy from purchase who now want own-damage cover.
Comprehensive (Package)
Full cover combining Third-Party Liability and Own-Damage, plus the option to add up to 27 add-ons. Policy period: 1 or 3 years.
Best for: New cars, daily drivers and anyone wanting the widest possible protection.
Electric Vehicle (EV) Insurance
Tailored cover for electric cars, protects the high-voltage battery pack, electric motor, onboard charger, charging cable and control electronics. Includes standard comprehensive benefits plus specialised EV components.
Best for: New and existing electric car owners (Tata, MG, Hyundai, BYD, etc.) who want battery and motor protection.
Optional add-on covers
Enhance your comprehensive policy with add-ons that plug the gaps in a standard cover. Availability depends on vehicle age and policy variant.
Zero Depreciation (Depreciation Shield)
Full claim payout with no depreciation deduction on plastic, glass, rubber and metal parts.
Engine Protector
Covers engine and gearbox damage from water ingress, oil leakage and hydrostatic loss, not covered by a standard policy.
Consumable Expenses
Reimburses cost of nuts, bolts, engine oil, lubricants, coolants, brake oil and other consumables used during repair.
24×7 Roadside Assistance
Emergency help for flat tyres, dead battery, towing, fuel delivery, minor on-spot repairs and more.
No Claim Bonus (NCB) Protector
Preserves your NCB discount even if you make a claim during the policy year.
Return to Invoice (RTI)
In case of theft or total loss, pays the original invoice value of the car instead of the depreciated IDV.
Key & Lock Replacement
Covers the cost of replacing lost or stolen car keys and reprogramming the locks, without impacting your NCB.
Tyre Safeguard
Covers replacement of tyres and tubes damaged in an accident.
Conveyance Benefit
Daily allowance for cab expenses while your car is at the garage for insured repairs.
No Claim Bonus (NCB)
A discount you earn on your Own-Damage premium for every consecutive claim-free year. NCB belongs to you, it transfers across insurers when you renew.
Tip: for small dents avoid claiming, and you'll usually save more on next year's premium than the repair costs.
| Claim-free renewal | NCB discount |
|---|---|
| After 1 claim-free year | 20% |
| After 2 consecutive claim-free years | 25% |
| After 3 consecutive claim-free years | 35% |
| After 4 consecutive claim-free years | 45% |
| After 5 consecutive claim-free years | 50% |
Key features
- Third-party liability, bodily injury & death (unlimited cover as per court order)
- Third-party property damage cover up to ₹7.5 Lakh
- Own-damage cover for accidents, fire, theft and calamities
- Personal Accident cover for owner-driver, sum insured from ₹15 Lakh
- In-transit damage cover
- Up to 27 optional add-ons on Comprehensive plans
- Battery pack & electric motor cover for EV cars
- Onboard charger & charging cable protection
- Specialized EV garage network support
What's covered
- Accidental damage to your car
- Theft of the vehicle (based on IDV)
- Natural disasters, floods, cyclones, earthquakes
- Man-made events, riots, strikes, vandalism, terrorism
- Third-party bodily injury, death and property damage
- In-transit damage during transportation
Common exclusions
- Intentional damage to the vehicle
- Normal wear, tear and depreciation
- Driving without a valid licence or under the influence of alcohol/drugs
- Use of a private car for commercial purposes
- Damage outside the geographical limits of India
- War, nuclear risks and racing/speed tests
- Overloading or unauthorised vehicle modifications
Frequently asked questions
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