Bajaj Allianz General Insurance Company Limited

Corporate Identity Number: U66010PN2000PLC015329. IRDAI Registration No.113

Regd.Office & Head Office: Bajaj Allianz House, Airport Road, Yerwada, Pune -
411006

Annexture A

CUSTOMER INFORMATION SHEET

This document provides only key information about your policy. Please refer to the policy document for detailed
terms and conditions.

Sr.
Title Description Policy Clause
No.

1 Product Name Two-Wheeler Package Policy Page-1 of the Policy

document/ Policy
Wording available at
website

2 Unique Identification IRDAN113RP0026V01200102 Page-1 of the Policy

Number (UIN) document/ Policy
allotted by IRDAI Wording available at
website

3 Policy Number OG-26-1701-1802-00061417 Page 1 of the policy

schedule.

4 Structure Indemnity NA

5 Interests Insured Registered owner Name - HRIDAY NARAYAN JHA Page - 1 of the policy
Reg No: WB74AD8477 schedule
Chassis Number: 22917
Engine Number: 22696
Make: HERO HONDA
Model: SUPER SPLENDOR
Sub Type: CAST DRUM SELF
Fuel Type: Petrol

Vehicle Type: Two Wheeler

6 Sum Insured / Motor Vehicle IDV: 14921 Page -1 of the policy

Insured Declared CNG: 0 schedule
Value Scope Trailer: 0
Electrical: 0
Non Electrical: 0

Total Value of Vehicle ( Sum Insured) : 14921

IDV of vehicles beyond 5 years of age and of obsolete

models of the vehicles (i.e. Models which the
manufacturers have discontinued to manufacture) is to be
determined on the basis of an understanding between the
insurer and the insured.
Submit Print
(For Old products existing depreciation tariff structure will
be followed)
7 Policy Coverage Own Damage for vehicle (1 year) Section I, II, III of the
- Own damage for your vehicle, cover up the sum insured Policy Wording
Third Party Liability (1 year) available at website
- Bodily injury/ TPPD, payment to the third party for the
accident you have met
PA cover is exempted for owner-driver with Reason
Already having Personal Accident (PA) Cover of Rs. 15
Lac

8 Add-on Cover IMT/Additional Cover- 22, Page 2-3 of the

Plan Description: NA Policy Schedule
Refer Subject to
Warranties/
IMT/Endorsements/
Add on Package
details

9 Loss Participation Compulsory Excess Rs: 100 Page 2-3 of the

(Deductibles) Additional Excess Rs: 0 Policy Schedule
Voluntary Excess Rs. 0 Refer Subject to
Theft Excess Rs. 0 Warranties/
Other Excess NA IMT/Endorsements/
Add on Package
TPPD LIMIT Rs: 100000 detailse

10 Exclusions This policy is subject to certain exclusions and conditions, Page 4 of the policy
such conditions are not part of the policy coverage. wording available at
Specific add on/ IMT has its own exclusions and website
conditions, for the same please refer exclusion clause in
respective add on/ IMT wording.

11 Special Conditions Two-Wheeler Package Policy Page 4 of the policy

and Warranties (if IMT/Additional Cover- 22, wording available at
any) Plan Description: NA website

This policy is subject to certain Special Conditions and

Warranties, such Special Conditions and Warranties are
not part of the policy coverage.
Specific add on/ IMT has its Special Conditions and
Warranties, for the same please refer respective add on/
IMT wording
12 Admissibility of SECTION I - LOSS OF OR DAMAGE TO THE VEHICLE Sec I of Policy
Claim INSURED Wordings - Page 1
Section II of Policy
For own damage claims to be valid, the loss or damage Wording - Page 1
must result from insured perils like fire, burglary, riots,
earthquakes, floods, accidents, malicious acts, terrorist
activities, transit by road/rail/waterways/air, and
landslides under Section 1 of the policy. Claims are valid
only if the driver held a valid license and was not under the
influence of alcohol or drugs at the time of the accident.
The vehicle must have been used according to the
'Limitations as to Use' specified in the policy.

The policy does not cover consequential losses, normal

wear and tear, mechanical/electrical breakdowns, or
incidents like acts of nuclear risks, war risks, contractual
liabilities, and usage outside geographical limits or by
unauthorized persons.
In case of a claim, the insured should promptly notify the
insurer, file an FIR if require, and provide all necessary
documents as per policy terms.

For each and every claim under Section I (loss or damage

to the vehicle), a compulsory deductible amount as
specified in the policy schedule will be borne by the
insured.

The insurer's liability is primarily determined by the scope

of coverage under each section, the Insured's Declared
Value (IDV) of the vehicle, the specified limits of
indemnity, applicable deductibles/depreciation, and
compliance with the Motor Vehicles Act requirements.

SECTION II - LIABILITY TO THIRD PARTIES

1.Subject to the limits of liability as laid down in the
Schedule hereto the Company will indemnify the insured
in the event of an accident caused by or arising out of the
use of the vehicle against all sums which the insured shall
become legally liable to pay in respect of :-

i. death of or bodily injury to any person including

occupants carried in the vehicle (provided such occupants
are not carried for hire or reward) but except so far as it is
necessary to meet the requirements of Motor Vehicles
Act, the Company shall not be liable where such death or
injury arises out of and in the course of the employment
of such person by the insured.

ii. damage to property other than property belonging to

the insured or held in trust or in the custody or control of
the insured.
13 Policy Servicing Toll-Free / IVRS Numbers NA
Claim Intimation and - Motor Claim Assistance: 1800-209-5858
Processing Website / Email
Email: bagichelp@bajajallianz.co.in
Website: https://www.bajajallianz.com

Procedure for Cashless Service & Reimbursement Claims

1. Submit Claim Form: Complete the claim form and
submit it along with all required documents, including the
driving license, vehicle registration certificate, repair
estimate, repair bills, payment receipts, and KYC of the
policyholder. Specific claim-related documents will be
communicated separately.
2. Vehicle Inspection: The insurer will assign a surveyor to
conduct a physical survey or virtual inspection before
repairs. Approval from the insurer is required before
starting any repairs.
3.Repair at Network Garage: If using a Bajaj Allianz
preferred network garage, cashless service is available.
For a list of preferred garages, visit this link.
4. Cashless Claim: The insurer will directly pay the repair
workshop upon completion of repairs and submission of
the repair tax invoice. The policyholder is responsible for
paying the difference between the insurer's liability and
the repair invoice.
5.Reimbursement Claim: If using a non-network garage,
the insurer will reimburse the claim amount according to
policy terms upon submission of the tax invoice and
payment receipt.
6.Invoice Requirements: For both cashless and
reimbursement claims, the tax invoice should be issued in
the name of "Bajaj Allianz General Insurance Company
Limited" and must include the GSTN of the respective
claim servicing office and state.

Turnaround Time (TAT) for Claims Settlement

Criteria TAT (Within Work Hours, Excluding Holidays)
Appointment of Surveyor - 30 minutes to 24 hours (From
claim registration)
Survey Report Submission to Insurer - 0 to 15 days (From
the date of survey appointment)
Claim Approval - 0 to 7 days (From the date of survey
report)
Claim Settlement - 0 to 7 days (From the receipt of final
repair invoice)

For assistance with claims and to address any grievances,

please contact us at bagichelp@bajajallianz.co.in. Our
team is available to provide support and resolve any
issues you may have regarding your insurance policy or
claims process.
14 Grievance Redressal Page 9 of the policy
and Policyholders a. Toll-free number 1-800-209- 5858 or 020-30305858, wording available on
Protection Say "Hi" on WhatsApp on +91 7507245858 website
b. Branches for resolution of your grievances
/complaints, the Branch details can be found on our
website: www.bajajallianz.com/branch-locator.html
Register your grievances / complaints on our
website www.bajajallianz.com/about-us/customer-
service.html
c. E-mail
Level 1: bagichelp@bajajallianz.co.in and for
senior citizens to
seniorcitizen@bajajallianz.co.in
Level 2: In case you are not satisfied with the
response given to you at Level 1 you may
write to our Grievance Redressal Officer at
ggro@bajajallianz.co.in
Level 3: If in case, your grievance is still not
resolved, and you wish to talk to our care
specialist, please give a missed call on +91
8080945060 OR SMS To 575758 and our
care specialist will call you back
d. If you are still not satisfied with the decision of the
Insurance Company, you may approach the
Insurance Ombudsman, established by the Central
Government for redressal of grievance. Detailed
process along with list of Ombudsman offices are
available at www.cioins.co.in/ombudsman.html
15 Obligations of the The approval or denial of your motor insurance claim is NA
Policyholder guided by key principles. For example, you must have
insurable interest-meaning the incident must involve your
insured vehicle, registered in your name, and covered
under your policy. You are required to act in utmost good
faith by providing accurate information and following
policy rules, such as reporting the loss occurrence
promptly. The claim must directly result from a covered
event (proximate cause), and you'll need to provide the
necessary evidence to receive compensation (indemnity).
Additionally, you have a duty of care and loss
minimization-you should take reasonable steps to prevent
further damage to your vehicle after an incident. Claims
may be denied if the damage results from wilful
negligence, such as leaving your car unlocked in an
unsafe area. If a third party is involved, especially in cases
of bodily injury or property damage, you must report the
loss to the police. Lastly, ensure that you report the claim
within the specified time frame. These principles help
ensure your claim is processed fairly and in line with your
policy.
Forward any claim letters, legal notices, court summons
etc. received by the insured to the insurance company
immediately.
Provisions of the Motor Vehicles Act, 1988:
Section 5: Responsibility of owners of motor vehicles for
contravention of sections 3 and 4.
No owner or person in charge of a motor vehicle shall
cause or permit any person who does not satisfy the
provisions of section 3 or section 4 to drive the vehicle.
Section 3: Necessity for driving licence.
(1) No person shall drive a motor vehicle in any public
place unless he holds an effective driving licence issued
to him authorising him to drive the vehicle; and no person
shall so drive a transport vehicle [other than 4[a motor cab
or motor cycle] hired for his own use or rented under any
scheme made under sub-section (2) of section 75] unless
his driving licence specifically entitles him so to do.
(2) The conditions subject to which sub-section (1) shall
not apply to a person receiving instructions in driving a
motor vehicle shall be such as may be prescribed by the
Central Government.
Section 4: Age limit in connection with driving of motor
vehicles.
1) No person under the age of eighteen years shall drive a
motor vehicle in any public place:Provided that 5[a motor
cycle with engine capacity not exceeding 50cc] may be
driven in a public place by a person after attaining the age
of sixteen years.
(2) Subject to the provisions of section 18, no person
under the age of twenty years shall drive a transport
vehicle in any public place.
3) No learner's licence or driving licence shall be issued to
any person to drive a vehicle of the class to which he has
made an application unless he is eligible to drive that
class of vehicle under this section.
Section 134: Duty of driver in case of accident and injury
to a person.
When any person is injured or any property of a third party
is damaged, as a result of an accident in which a motor
 vehicle is involved, the driver of the vehicle or other person
in charge of the vehicle shall-
a) unless it is not practicable to do so on account of mob
fury or any other reason beyond his control, take all
reasonable steps to secure medical attention for the
injured person, 1[by conveying him to the nearest medical
practitioner or hospital, and it shall be the duty of every
registered medical practitioner or the doctor on the duty in
the hospital immediately to attend to the injured person
and render medical aid or treatment without waiting for
any procedural formalities], unless the injured person or
his guardian, in case he is a minor, desires otherwise;
(b) give on demand by a police officer any information
required by him, or, if no police officer is present, report
the circumstances of the occurrence, including the
circumstances, if any, for not taking reasonable steps to
secure medical attention as required under clause (a), at
the nearest police station as soon as possible, and in any
case within twenty-four hours of the occurrence.
(c) give the following information in writing to the insurer,
who has issued the certificates of insurance, about the
occurrence of the accident, namely:-

(i) insurance policy number and period of its validity;

(ii) date, time and place of accident;
(iii) particulars of the persons injured or killed in the
accident;
(iv) name of the driver and the particulars of his driving
licence.
Explanation. - For the purposes of this section, the
expression "driver" includes the owner of the vehicle.

Legal Disclaimer Note: The information must be read in conjunction with the product brochure and policy
document. In case of any conflict between the CIS and the policy document, the terms and conditions
mentioned in the policy document shall prevail.

Declaration by the Policy Holder:

I have read and confirm having noted the details.

Place: BANGALORE

Date: 12-06-25

The information in CIS must be read in conjunction with policy document. In case of any conflict between the CIS
and the policy document, the terms and conditions mentioned in the policy document shall prevail.

Policy wording website link -"https://www.bajajallianz.com/download-documents/motor-insurance/two-

weheeler-insurance/two-wheeler-Policy-wording.pdf"

This is digital print and signature is not required.

UIN: IRDAN113RP0026V01200102 CIN: U66010PN2000PLC015329 Date of Issuance: 11-06-25