Personal Trip Liability Cover

While traveling can be an exciting experience, you may not be able to evade unforeseen circumstances, which can impede your plans or result in financial losses. To protect yourself from such financial losses, you can take a Personal Trip Liability Coverage by Bajaj Finserv that protects you from financial expenses incurred by you, to any third party, during your trip.

Personal Trip Liability Coverage Features and Benefits

• 

  High Coverage Limit

  Get coverage up to Rs. 1,00,000 for just Rs. 149 per annum

• 

  Coverage for financial liabilities on trip

  With Trip Liability Coverage, get coverage for liabilities, with respect to:
  
  o   Accidental bodily injuries to third parties
  o   Property damages to third parties

• 

  Multiple payment options

  There are multiple options to pay your premiums, such as NetBanking, UPI, mobile wallets, credit cards, debit cards or any other medium convenient for you.

• What is Covered in Personal Trip Liability Coverage?
  

• 

  Coverage for liabilities

  When the entire cost of the passenger fare(s) of your trip are charged, during the policy period of your personal Trip Liability Coverage, you will be covered for liabilities in respect of accidental bodily injury and property damages to third parties under Trip Liability Coverage.

• What is Not Covered in Trip Liability Coverage?
  

  The Trip Liability Coverage by Bajaj Finserv does not cover bodily injuries or property damage loss in the following conditions:

• 

  Longer travel time

  Loss or damage during a travel time that was longer than 31 days

• Operation or ownership of motorcars

  Losses occurred while operating or due to ownership of any motorcars or motor-driven machines, sailing or motor boats, and/or aircraft

• Communicable disease

  Losses resulting from a communicable disease are not covered in personal trip liability cover.

• Influence of alcohol or drugs

  Losses or damages that occurred under the influence of alcohol, illegal drugs or narcotics, and medicines, which have not been prescribed by a doctor

• Participating or competing in dangerous sports

  Losses or damages due to competing or participating in competitive/dangerous sports that include but are not limited to mountaineering, boxing, polo, parachuting, gliding, and/or underwater diving using personal breathing apparatus

• Assumptions

  You assume under any agreement contract

• For the full list of exclusions, please download the policy brochure here.

Here’s a look at the terms and conditions for coverage of Trip Liabilities Cover by Bajaj Finserv:

For a covered trip, the coverage begins when you leave your place of residence to commence the trip and shall terminate with whichever of the following occurs first:

   a) Time taken to return to your place of residence on completion of your trip; or
   b) Expiry of policy

In any event coverage will not begin for more than 24 hours prior to the booked departure time, and will cease only 24 hours after your actual return time.

With respect to a one-way trip, the coverage will terminate with whichever of the following occurs first:

   a) Time taken by a covered common carrier arrives at its destination; or
   b) Expiry of policy

Duties in the Event of a Loss

In the event of a covered loss:

1. Contact us
Please contact our 24-hour Toll Free Call Center on 1800-11-9966* - 1800-266-7780 (*Toll free from MTNL/ BSNL lines only) or 1800-22-9966 (only for senior citizen policy holders). Please intimate the Call Center as soon as a claim occurs, in order for us to provide you prompt and effective assistance. You may also register the claim by sending below details on general.claims@tata-aig.com or sending a SMS on 5616181 as “Claims”

2. Completion of necessary documents
You shall complete and return any necessary documents including but not limited to claim forms, police reports, demands, notices, and any other documents we may ask you to provide

3. Return of necessary documents
The claims form and accompanying documents must be returned to us within 3 days of making the original claim. You’d need to provide:
• Incident report
• Police Report (if any)
• Full details of the injured third party – age, nationality, occupation etc.
• Any medical or investigation reports
• Copy of internal investigation report regarding the incident
• Whether any formal claim has been received from the injured third party

4. Police Report
Police report needs to be filed within 6 hours of incident.