Do not go for Bajaj Allianz insurance they just cheat you. when ever you do a insurance its for the whole vehicle and not only for damaged portion thats what I use to think untill I came accros claim section of Bajaj Alliance. they say claims are only passed for items which are damaged from outside and not for the once which are resulted from thoughs damages. that means if ur radiator is damaged in an accident and ur engine is heated up and dameged they will pay you for radiator and not for the engine as External damage is not visible
This is such a cheat company when they take premium they charge heafty for vehicles and even before finishing the garage work they will pay for 50% of the bill with out even calculating the depretiation i.e even if ur vehicle is new they pay u 50% approx