Semantic Coherence: Bajaj General Insurance Limited – Signal Evidence & AI Readability

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[H1] Explore Bajaj General Insurance Plans (Formerly Bajaj Allianz)

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[H2] Find the Best Health Insurance
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My Health Care Plan

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AapKe Liye

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Extra Care Plus

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Comprehensive

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VPAY

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Own Damage

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[H2] Find the Best Bike Insurance
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Comprehensive

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Own Damage

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[H2] Stay Weather-Proof with Climatesafe
Protect your business from any climate change risks

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My Home Insurance

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Employee Insurance
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[H2] Find the Best Employee Insurance
From Risk to Resilience–We've got You Covered

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Group Health Insurance

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Workmen Compensation

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From Risk to Resilience–We've got You Covered

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From Risk to Resilience–We've got You Covered

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From Risk to Resilience–We've got You Covered

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Professional Liability

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From Risk to Resilience–We've got You Covered

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Contractor's All Risk Insurance

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Fire Insurance
Fire

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Marine Insurance
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Shop Insurance
Shop

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Engineering Insurance
Engineering

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Liability Insurance
Liability

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Miscellaneous Insurance
Miscellaneous

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Claim Registration
Claim Reg.

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Renew Policy
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[H2] Find the Best Fire Insurance
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Sookshma Udyam Suraksha

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Laghu Udyam Suraksha

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Griha Raksha

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[H2] Find the Best Marine Insurance
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Open Policy

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Open Cover

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Marine Turnover policy

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Shopkeeper's Package Policy

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Sookshma Udyam Suraksha

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Laghu Udyam Suraksha

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Contractor's All Risk

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Plant & Machinery Insurance

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Erection All Risk Insurance

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[H2] Find the Best Liability Insurance
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Liability Insurance

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Shielding Your Dreams, Empowering Your Success

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Shielding Your Dreams, Empowering Your Success

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Pradhan Mantri Jan Arogya Yojana
PMJAY

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Pradhan Mantri Suraksha Bima Yojana
PMSBY

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PMFBY
PMFBY

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Weather Insurance
Weather

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[H2] Pradhan Mantri Jan Arogya Yojana
Inclusive Insurance for a Stronger Tomorrow

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Pradhan Mantri Jan Arogya Yojana

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[H2] Pradhan Mantri Suraksha Bima Yojana
Inclusive Insurance for a Stronger Tomorrow

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Pradhan Mantri Suraksha Bima Yojana

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[H2] Pradhan Mantri Fasal Bima Yojana
Inclusive Insurance for a Stronger Tomorrow

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Pradhan Mantri Fasal Bima Yojana

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[H2] Find the Best Weather Insurance
Inclusive Insurance for a Stronger Tomorrow

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Weather Insurance

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Crop Insurance
Crop

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Weather Insurance
Weather

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[H2] Find the Best Crop Insurance
We Stand by You in Every Season

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Crop Insurance

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We Stand by You in Every Season

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Weather Insurance

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Family

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Senior Citizens

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Women

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Youth

#ForwardKaroCare
[H2] Trusted by 17 Crore+ customers!
Insurance for All!

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Family
Protect what matters the most–your people

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Senior Citizens
Your golden years secured!

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Women
Shield for the Wonder Woman in you

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Farmers
Against all odds–you grow, we protect

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Entrepreneurs
Protect your passion without breaking your bank account

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Youth
For the digi-savvy you

[H2] Why Choose Us?

Learn More

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Insure Car In 3 Minutes
Instant comprehensive coverage  for your car

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7,200+ Cashless Garages
Wide network of garages for quick settlements

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18,400+ Cashless Hospitals
Access cashless treatment at any network hospitals

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24/7 Assistance
Instant help whenever needed

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Quick Claims
Instant claim settlement, no stress!

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Digital Process
One click to all your insurance solution

Motor Insurance

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[H2] Ensuring Miles of Smiles

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Car Insurance
Starting at ₹2,094*

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Bike Insurance
Starting ₹538*

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EV Insurance
Starting ₹457*

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Commercial Vehicle
Third Party Liability

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Covers

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HERizon Care
Insurance solutions that understand HER unique health journey!

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Privé
Exclusive insurance solutions crafted for your unique lifestyle

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Global Personal Guard
Accidents know no boundaries–get our global cover, starting from ₹ 611*

[H2] EV Insurance for All!

[H3]
Drive Green, Insure Smart!

[H3] Electric Car
Plug into safety. Get your EV insured today!

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[H3] Electric Bike
Insure your e-bike and zoom around worry-free

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[H3] Electric CV
Insure your electric commercial vehicle & protect your earnings

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Health Insurance

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[H2] Complete coverage starting ₹15/day*

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Comprehensive Health Care
My Health Care Plan

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Top Up Health Insurance
Extra Care Plus

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Critical Illness Insurance
Criti Care

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Personal Accident Insurance
Global Personal Guard

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[H2] Motor & Health Companion

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Drive Confidently with Bajaj General
Experience seamless vehicle management with the Bajaj General Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more

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Track, Manage & Thrive with Your All-In-One Health Companion
Discover a health plan tailored just for you–get insights and achieve your wellness goals

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Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!

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[H2] Insurance Samjho

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Health

Motor

Travel

Home

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Critical Illness Insurance

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Health Claim by Direct Click

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Personal Accident policy

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Global Personal Guard Policy

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Claim Motor On The Spot

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Two-Wheeler Long Term Policy

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24x7 Roadside/Spot assistance

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Caringly Yours (Motor Insurance)

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Travel Insurance Claim

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Cashless Claim

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24x7 Missed Facility

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Filing a Travel Insurance Claim

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My Home–All Risk Policy

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Home Insurance Claim process

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Apno Ke Liye Care | A Father's Day Special

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#bikeinsurance Bajaj General Two-wheeler Insurance

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Cashless Benefits Overseas (Hindi )

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यात्रा बीमा दावा दाखिल कैसे करें? || इनश्योरेंस की पाठशाला(HINDI)

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My Home–All Risk Policy

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[H2] Insurance Simplified: Must-Read Articles

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[H3] Risks, Trends, and Challenges for Cyber Insurance in India
India's digital growth brings both–opportunities and cyber risksIncreased focus on collaboration between insurers, businesses, and government
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Motor Insurance

[H1] Third Party Car Insurance Online

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Get Quote

Premium Starts At ₹2,094*
Covering the unexpected, so you can drive worry-free

Coverage HighlightsGet Third Party coverage for your car

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Premium

Starting from INR 2094*

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Cashless Garages

7,200+ network garages for hassle free services

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Third Party Liability

Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

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On The Spot Claim Settlement

You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Bajaj General App

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Note

*TP Car Insurance Premiums starting at INR 2,094

InclusionsWhat’s covered?

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Third Party Coverage

Protects you from liabilities arising from damage or loss caused to another person's vehicle, property, or injury to a third party

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Third Party Liability for Property Damage (up to INR 7.5 lacs)

If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

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Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

ExclusionsWhat’s not covered?

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Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

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Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected

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Commercial Use

Using private car for commercial purposes like delivery or ridesharing without proper coverage

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Note

Please read policy wording for detailed exclusions

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Coverage

Protects against liabilities for damages or injuries caused to others, but not your own vehicle

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Mandatory

Required by law in India under the Motor Vehicles Act to avoid fines

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Financial Protection

Safeguards you from financial losses if your car causes damage to another vehicle, property, or person

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Comparison

You can compare it with comprehensive and Own Damage cover to find the best option for your needs

[H2] What is Third-Party Car Insurance?

Third-party car insurance, also known as Third-Party Liability (TPL) insurance, is a basic mandatory car insurance policy 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 car in an accident. In simpler terms, if you cause an accident and injure someone or damage another person's car, the 3rd party car insurance covers the costs associated with those damages, not your car's repairs.
[H3] Cover for Financial Obligation

- Just like every coin has two sides, mishaps on the road tend to affect two sets of people – you and a third party. Unlike video games that treat road accidents and damage to third parties as a casual happening with no consequences, in the real world, you’ll have to bear the financial and legal consequences of the same. The policy protects you against possible legal and financial obligations that may arise from damages caused to a third party.
[H3] Cover for Third Party Injuries / Accidental Death

Third Party Car Insurance, also referred to as Four Wheeler Third Party Insurance, offers you coverage against any liabilities arising due to damage caused to a third party involving your car. Injuries caused or accidental death to a third party is also covered under third party insurance plans.

[H2] Benefits You Deserve

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[H3] Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs

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[H3] 7200+ Cashless garages
Wide network of cashless garages for hassle free service

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[H3] On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app

Buy Now

[H2] At-A-Glance
Compare Insurance Plans Made for You

Feature

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Third Party Liabilty Cover

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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Car Cover

Comprehensive Cover with Add-ons

Own Damage Cover

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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Car Cover

Comprehensive Cover with Add-ons

Comprehensive Car Cover

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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Car Cover

Comprehensive Cover with Add-ons

Comprehensive Cover with Add-ons

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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Car Cover

Comprehensive Cover with Add-ons

Overview
Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law.
Covers expenses arising out of damage to your car.
Full fedged cover comprising of Third Party Liability cover and Own Damage covers
Enhance coverage by opting for various Add-ons over and above the comprehensive cover

Policy Period
1 or 3 years
1 Year
1 and 3 years
1 and 3 years

Third Party Liability for Injury, Death & Property Damage
Yes
No
Yes
Yes

Accidents & Collisions
No
Yes
Yes
Yes

Natural or Man-Made Disasters
No
Yes
Yes
Yes

Fire Damage
No
Yes
Yes
Yes

Theft
No
Yes
Yes
Yes

Compulsory Personal Accident
Yes
Yes
Yes
Yes

Add-on: No Claim Bonus
No
No
No
Yes

Add-on: Zero Depreciation Cover
No
No
No
Yes

Add-on: Lock & Key Replacement
No
No
No
Yes

Add-on: 24x7 Roadside Assistance
No
No
No
Yes

Add-on: Consumables Cover
No
No
No
Yes

Explore more add-ons
No
Up to 27 Add Ons
Up to 27 Add Ons
Up to 27 Add Ons

[H2] Key Features of Third-Party Car Insurance

An online third-party car insurance offers essential coverage:
- Third-Party Bodily Injury : Covers medical expenses, disability compensation, or death benefits for third parties injured in an accident caused by your vehicle.
- Third-Party Property Damage : Covers repairs or replacement costs for property damaged by your car, including other vehicles, buildings, or infrastructure.
- Mandatory by Law : Owning and driving a car in India requires a valid third-party car insurance policy. Driving without it can lead to penalties and fines.
Please note :Third-party car insurance does not cover repairs to your own car or injuries to yourself or your passengers.
*Claims are subject to terms and conditions set forth under the travel insurance policy.
[H2] Why You Need Third Party Insurance?

Third Party Car Insurance is the most basic insurance cover you can have for your four wheeler; it is to your car what butter is to bread.
Without it, your car is virtually useless because you cannot legally drive your vehicle without a valid car insurance cover for third party liability coverage at the least. As per the Indian Motor Vehicles Act 1988, it’s mandatory for every car plying on roads to have a third party liability cover.
Not only does Third Party Car Insurance help you meet the statutory requirement, but it also cushions you from unexpected expenses. Compensation expenses for injuries caused or accidental death to a third party can be quite high, and can deplete your savings as quickly as sand slipping through your fingers.
What’s more is that Third Party Car Insurance helps you maintain your peace of mind. Financial and legal repercussions aside, knowing that someone is suffering because of you is not the best for your personal wellbeing.
With our Third Party Car Insurance Policy, we help you take responsibility for any mishaps involving you and your car while taking care of the financial burden of the same.
[H2] Importance of Third-Party Car Insurance

- Financial Protection : It safeguards you from substantial financial burdens in case you cause an accident. Legal costs and third-party damage repairs can be significant.
- Peace of Mind :Knowing you have this basic coverage allows you to drive with greater peace of mind, knowing you're not solely liable for the financial repercussions of an accident involving a third party.
- Legal Compliance : It's a legal requirement in India. Driving without valid insurance can lead to fines, vehicle seizure, and potential legal hassles.
[H3] Basis of Arriving at Insured Declared Value (IDV) of the Insured Vehicle:

[H3]

Sr.No.
Name of the Product
BAP UIN
1
Private Car Package Policy
IRDAN113RP0025V01200102
2
Private Car Policy - Bundled
IRDAN113RP0007V01201819
3
Standalone Own Damage Cover for Private Car
IRDAN113RP0001V01201920
4
Private Car Package Policy – 3 Years
IRDAN113RPMT0001V01202425
5
Two Wheeler Package Policy
IRDAN113RP0026V01200102
6
Long Term Two Wheeler Package Policy
IRDAN113RP0008V01201617
7
Two Wheeler Policy – Bundled
IRDAN113RP0008V01201819
8
Standalone Own Damage Cover for Two Wheeler
IRDAN113RP0002V01201920
9
Two Wheeler Package Policy – 5 Years
IRDAN113RPMT0018V01202425
10
Commercial Vehicle Package Policy
IRDAN113RP0027V01200102
11
Motor Trade Internal Risk
IRDAN113RP0039V01200102
12
Motor Trade Package Policy
IRDAN113RP0038V01200102

List of products specified in the list above are governed by the Indian Motor Tariff.
The Insured’s Declared Value (IDV) of the vehicle will be deemed to be the ‘Sum Insured’ and it will be fixed at the commencement of each policy period for each insured vehicle.
The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of the manufacturer’s listed selling price of the brand and model of the insured vehicle at the commencement of the Policy. The IDV shall change according to the depreciation grid below for each block of one year within the policy period.
[H3] THE SCHEDULE OF DEPRECIATION FOR FIXING IDV OF THE VEHICLE

[H3]

AGE OF VEHICLE
% OF DEPRECIATION FOR FIXING IDV
Not exceeding 6 months
5%
Exceeding 6 months but not exceeding 1 year
15%
Exceeding 1 year but not exceeding 2 years
20%
Exceeding 2 years but not exceeding 3 years
30%
Exceeding 3 years but not exceeding 4 years
40%
Exceeding 4 years but not exceeding 5 years
50%

The IDV arrived as per the above method may be further adjusted basis various factors such as location, make and model etc, with agreement of the Insured and as captured in the Policy Schedule.
The age-wise depreciation schedule shown above is applicable only for Total Loss/Constructive Total Loss (TL/CTL)/Cash Loss claims.
IDV of vehicles beyond 5 years of age and for obsolete models (i.e. models that manufacturers have discontinued) is to be determined on the basis of mutual agreement between the Insurer and the Insured.
IDV shall be treated as the Market Value throughout the Policy Period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL)/Cash loss claims.
[H3] Basis of Arriving at TL (Total Loss)/CTL (Constructive Total Loss) of the Insured Vehicle:

The insured vehicle shall be treated as a CTL if the aggregate cost of retrieval and/or repair of the vehicle, exceeds 75% of the IDV of the vehicle, subject to terms and conditions of the policy.
The liability of the Company shall not exceed the Insured's Declared Value (IDV) of the vehicle in the event of total loss/ constructive total loss/cash loss for the year in which loss has occurred. IDV as on date of loss shall be computed as specified under basis of arriving at Insured Declared Value (IDV)
If a damaged motor vehicle is assessed as being unrepairable and hence a wreck i.e. a ‘total loss’ or ‘write-off’, You shall have the option to retain the wreck and accept a ‘cash loss’ settlement (being the IDV less the assessed value of Salvage based on competitive quotes procured by the Insurer including any submitted by or through the Policyholder).
Note: For the purpose of computation TL (Total Loss)/CTL (Constructive Total Loss) of the Insured Vehicle aggregate cost of retrieval shall mean Company’s aggregate liability as per the terms and conditions of the policy.

[H2] Why Buy Third-Party Car Insurance from Bajaj General?

Buy Now

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Comprehensive Coverage
Get full protection for your vehicle and peace of mind.

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7200+ Cashless Garages
Repair your vehicle hassle-free at network garages.

Quick & Hassle-Free Claims
Fast claim settlements with a seamless process

Digital Policy Issuance
Get instant policy issuance with zero paperwork

[H2] Download Policy Document

Get instant access to your policy details with a single click.

Motor

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Brochure

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Policy Wordings

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Proposal Form

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Claims Form

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Customer Info Sheet

Download

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Drive Safely
4.6 lacs+ road accidents reported (Ministry of Road Transport & Highways)

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Avoid Legal Fines
Motor Vehicles Act, mandates Third Party Liability Cover for vehicles

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Unfortunate Accident
File your claim immediately to ensure swift processing

[H2] Motor & Health Companion

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Drive Confidently with Bajaj General
Experience seamless vehicle management with the Bajaj General Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more

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Track, Manage & Thrive with Your All-In-One Health Companion
Discover a health plan tailored just for you–get insights and achieve your wellness goals

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Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!

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[H3] HERizon
Women centric health insurance Covers critical illness, maternity, surrogacy expenses and holistic wellness support
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[H3] Pet Insurance
Vet bills covered for accidents, illnesses & emergenciesExplore covers like OPD, long term, care, lost pet & mo

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With GST waiver, individual and family floater policies for health, personal accident, and travel insurance (on retail basis) are 18% cheaper from 22 September 2025. Secure what matters at an affordable price!