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What’s in it for you
Cost effective insurance plans
Financial and legal peace of mind
Covers your liability for damages and injury caused to third party
A Two Wheeler Third Party Insurance policy is designed to protect you against damages (including death, bodily harm, injury or death, and damage to property) to a third party due to an accident involving your two-wheeler. In India, it is imperative that you have at least a two-wheeler third party insurance coverage if you take your bike out on the roads, as mandated by the Motor Vehicles Act, 1988.
With a comprehensive third party bike insurance policy, you would automatically have the confidence to take your mean machine to the roads and get a little mud on the tyres.
We realize that you could be running on a tight schedule and don’t have much time to devote to policy purchase. That’s the reason why we’ve designed our online two wheeler insurance purchase and renewal process to be convenient and not eat into your time.
All you need to do is click on the Two Wheeler (Liability Only) option and our user-friendly portal will guide you thereon. Should you get stuck at any point or want further clarification, you can talk to our experts who will ease you into the process and help you zero in on the plan that suits you the best.
In case of any query related to claims, we are just a single call away. Our round-the-clock experts will assist you with queries and clarifications, all and sundry.Bajaj Allianz 24x7 call centers will also help you with instant updates about the current status of your claim.
We take pride in offering prompt and extensive claim assistance to guide you through the complex legal procedures involved in a third party liability claim.
Cover for Financial Obligation
It protects you against possible legal and financial obligations that may arise from damages caused to a third party. This third party can either be a person or his/her property.
Lower Premium
Since it provides coverage against damages to a third party, this policy is more financially affordable and involves lower premium outgoes as compared to a more exhaustive vehicle insurance plan.
Simple Documentation
Considering that two wheeler third party insurance doesn’t have anything to do with your vehicle, it involves lesser and simpler documentation vis-à-vis the conventional motor insurance policy.
File a police complaint at the nearest police station immediately. Once you receive the charge sheet, call us on our toll-free number and our representative will initiate the process. The documents required from you will be as below:
✓ In case of Injury/death - Documents (hospital bills, treatment expense invoice) in relation to the injury will be required. In case of a death, a death certificate and a confirmation from the motor accident claims tribunal would be needed to be submitted to us.
✓ In case of Property damage - An inspection officer’s report from the motor accident claims tribunal, original bills and surveyor’s report to make an estimation of the loss incurred to the third-party property will be needed to be submitted.
✓ Making sure you take photographs of the spot of the accident and the exact location and position of the vehicle as it is on the spot of the accident
✓ In case you are providing a treatment to the any injured person/s, you will need to note the name of the hospital and the treating doctor which would be required to be informed to us
✓ Provide all the relevant factual details to ensure your claim is not rejected due to false information.
Yes. You can cancel your policy. But as it’s mandatory for every vehicle to have this policy under the Motor Vehicles Act 1988, if you want to cancel your policy, you need to submit:
Paperwork of another insurance provider having taken over your two-wheeler insurance
OR
Proof of your two-wheeler’s registration certificate having been revoked by RTO
Reach out to us at our 24x7 toll-free helpline number 1800-209-5858 and we will be happy to help you. You will be issued a duplicate copy of your policy. Should it be an online issuance, a soft copy will be mailed to your email ID.
You can sift through a number of policies, compare them and eventually choose one that complements your financial objectives. In a nutshell, you can save big on time and effort should you buy two-wheeler insurance online.
Uh-oh! Should you have only a third party insurance on your two-wheeler, you will not be eligible for a NCB, irrespective of whether you’ve made any claim within the policy period or not.
We suggest you immediately renew your policy; this is because the Motor Vehicles Act, 1988 mandates you to have one. Expired policies don’t do you much good!
A comprehensive car and two wheeler insurance plan offers better coverages that you can hope for. This means that an exhaustive motor insurance policy will provide protection to your insured vehicle as well as the third party. However, a third party plan will only cover loss or damages caused to the third party..
Indeed very easy to renew my 2 wheeler policy. Got it done in just 3 minutes. Thanks.
Two wheeler Insurance process was simple and easy. Keep up the good work.
Bajaj Allianz very helpful and knowledgeable site for bike insurance.
Third-party bike insurance, also known as Third-Party Liability (TPL) insurance, is a form of two-wheeler insurance in India. It financially protects you from legal and financial liabilities arising from injuries or property damage caused to a third party (people or vehicles) by your bike in an accident. In simpler terms, if you cause an accident and injure someone or damage another person's car or property, this insurance covers the costs associated with those damages.
You can satisfy your ‘need for speed’ without worry!
Get a QuoteIt safeguards you from substantial financial burdens if you cause an accident, injure someone or damage another person's property. Legal costs and third-party damage repairs can be significant.
Knowing you have this basic coverage allows you to ride with greater peace of mind.
Owning and riding a two-wheeler in India requires a valid third-party bike insurance policy. Driving without it can lead to fines and vehicle seizure.
Third-party bike insurance premiums are generally considered the most affordable option for two-wheeler insurance. Factors influencing the premium amount include your bike's engine capacity, location (accident & theft rates), and your claim history (if available). Generally, premiums are lower for lower-engine capacity bikes.
To estimate your two-wheeler insurance premium, insurers use online calculators that consider factors such as your bike’s make, model, engine capacity, location, and age. While the insurer performs the exact calculation, these tools give you a rough estimate.
Third-party insurance costs are primarily determined by these variables, ensuring you get a ballpark figure before finalising your insurance purchase. It’s a helpful tool for understanding potential costs and planning your budget effectively.
These calculators simplify the process by providing quick insights into the financial aspect of insuring your bike, ensuring transparency and helping you make informed decisions about your insurance coverage.
Two wheeler third-party insurance covers:
Covers medical expenses, disability compensation, or death benefits for third parties injured in an accident caused by your bike.
Covers repairs or replacement costs for property damaged by your bike, including other vehicles, buildings, or infrastructure.
Please note : Third-party bike insurance does not cover repairs to your own bike or injuries to yourself or your pillion rider.
Third-party bike insurance policies usually span 1 year, Bajaj Allianz offer long term policy for longer durations. Renewing your policy on time is important to maintain uninterrupted coverage and avoid gaps in protection. Timely renewal ensures compliance with legal requirements and safeguards against financial liabilities arising from accidents or third-party damages. It also preserves any accumulated benefits, such as No Claim Bonus (NCB), which can significantly reduce premiums upon renewal.
By staying proactive and renewing on schedule, you ensure ongoing financial security and peace of mind, knowing that your bike and liabilities are adequately covered at all times.
With Bajaj Allianz Two Wheeler Third Party Insurance policy, you don’t have to run from pillar to post with papers for renewal anymore. Just log onto to our website, navigate to the Bajaj Allianz Two Wheeler (Liability Only) page and furnish the following documents:
● Policyholder details such as name, gender, residential address, date of birth
● Driving license copy
● Registration certificate and number of the vehicle
● Proof of address
● Existing policy number
Bajaj Allianz General Insurance provide the option to purchase or renew third-party insurance online for two-wheelers. This modern approach offers a seamless and paperless experience, allowing you to complete transactions swiftly without the need for physical documentation. By using digital platforms, you can compare different plans, check coverage details, and select the most suitable policy from the comfort of your home or office. It saves time that would otherwise be spent visiting insurance offices and also ensures instant policy issuance and hassle-free management of your insurance needs with just a few clicks.
Lo and behold! Renewing your bike third party insurance policy isn’t optional any longer, as is mandated by relevant sections of the motor vehicles act, 1988.
And the good news here is that renewing your coverage is a breeze, considering our convenient online renewal portal. All you have to do is keep tabs on the expiry date. Policy renewal that’s done well within the date of expiry (of the original policy) allows you to avoid additional inspection.
In case of an accident involving third-party insurance online for two-wheelers while insured with Bajaj Allianz, follow these general steps:
File a police report (FIR) at the nearest police station.
Contact Bajaj Allianz General Insurance Company and inform them about the accident.
Collect necessary documents like the FIR, driving license, RC book, and any medical bills (if applicable).
Submit the documents to Bajaj Allianz General Insurance Company for claim processing. They will then contact the third party and settle the claim amount as per policy terms.
Death or bodily injuries (caused to a third party) that result from an accident involving your two wheeler
Third party property damage
All expenses incurred in accordance with our written consent
Any other driver driving the two-wheeler, but only with the consent of the third party two wheeler insurance policyholder
Personal authorized representative of any person who is entitled to protection under the policy
➢ Accidental death
➢ Loss of limbs or sight
➢ Permanent total disablement caused due to injuries
Damages arising from
➢ Regular wear and tear
➢ Natural calamities
➢ Electrical or mechanical breakdown
➢ Sabotage
➢ Civil disruptions or foreign invasions leading to war, national unrest, war-like operations, rebellion etc
➢ Self-inflicted injuries or suicide
➢ Driving without a valid license
➢ Driving under the influence of alcohol or drugs
➢ Theft
➢ Fire
(Based on 16,977 reviews & ratings)
Faiz Siddiqui
Bajaj Allianz executive was very helpful and easy to use. I never had a problem with your service.
Rekha Sharma
Very user friendly, easy to use and quick response on CHAT and completed the online process while chatting.
Susheel Soni
This was awesome experience with customer case to buy a new bike insurance with Bajaj Allianz. Thanks
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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