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Bharti AXA Car Insurance
Bharti AXA Car Insurance




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Bharti AXA Car Insurance

1 Information
1.1 Policy Name
Bharti AXA Smart Drive Private Car Insurance
1.2 Policy Status
In Force
1.3 Customer Care Number
08049010222
1.4 24x7 Customer Support
91% Package Policy Car Insurance Plans have it !
1.5 Buy Online
All Package Policy Car Insurance Plans have it !
1.6 Premium Payment in Installments
9% Package Policy Car Insurance Plans have it !
1.7 Other Plans
1.8 Depreciation Slabs for Adjusting IDV
1.8.1 Age Not Exceeding 6 Months
Royal Sundaram ..
5 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.2 Age Not Exceeding 1 Year
Royal Sundaram ..
15 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.3 Age Not Exceeding 2 Years
Royal Sundaram ..
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.4 Age Not Exceeding 3 Years
Royal Sundaram ..
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.5 Age Not Exceeding 4 Years
Royal Sundaram ..
40 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
1.8.6 Age Not Exceeding 5 Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
2 What is Covered
2.1 Third Party Cover
All Package Policy Car Insurance Plans have it !
2.2 Cover for Passengers
2.2.1 PA Cover for Owner Driver
Covered
2.2.2 Max PA Cover for Owner Driver
Royal Sundaram ..
₹ 200000
Rank: 1 (Overall)
Future Generali Car Insurance
2.2.3 PA Cover for Co Passengers
Optional
2.2.4 Medical Cover
Optional
2.3 Cover for Accessories
2.3.1 Electrical
Not Covered
2.3.2 Nonelectrical
Not Covered
2.3.3 CNG Kit
Not Covered
2.3.4 Bi Fuel System
Not Covered
2.4 Engine Protection Cover
Not Covered
2.5 Geographical Area Extension
Optional
2.6 Loss of Personal Belongings
2.6.1 Property
Not Covered
2.6.2 Licence
Not Covered
2.7 Accidental Repairs Warranty
Not Covered
2.8 Other Covers
2.8.1 Consumables Cover
Optional
2.8.2 Invoice Price Cover
Optional
2.8.3 Zero Depreciation Cover
Optional
2.9 Optional Add On Covers
Accident cover facility for co passengers, Ambulance charges cover, Consumables cover, Hospital cash, Hydrostatic lock cover, Key replacement cover, Medical expenses, No claim bonus same slab, Return To Invoice, Zero Depreciation Cover
3 Roadside Assistance
3.1 Roadside Assistance Cover
Optional
3.1.1 24x7 Roadside Assistance
Covered
3.1.2 On Site Minor Repairs
Covered
3.1.3 Medical Coordination
Not Covered
3.1.4 Alternate Transport Assistance
Covered
3.1.5 Car Towing
Covered
3.1.6 Battery Jump Start
Not Covered
3.1.7 Tyre Related Assistance
Covered
3.2 Keys
3.2.1 Arrangement of Duplicate Keys
Covered
3.2.2 Lock Out or Lost Keys
Covered
3.2.3 Key Replacement
Optional
3.3 Fuel
3.3.1 Fuel Delivery
Covered
3.3.2 Emptying of Fuel Tank
Not Covered
3.4 Other Benefits
3.4.1 Urgent Message Relays
Not Covered
3.4.2 Accomodation Benefits
Not Covered
3.4.3 Legal Advice
Not Covered
3.4.4 Daily Inconvenience Allowance
Not Covered
3.5 Max Times It Can be Availed
NA
4 Claims
4.1 Cashless Garages
All Package Policy Car Insurance Plans have it !
4.1.1 Cashless Garage Network
Bajaj Allianz C..
2000 +
Rank: 7 (Overall)
United India Car Insurance
ADD ⊕
4.2 Lodging Claims From Anywhere 24x7
78% Package Policy Car Insurance Plans have it !
4.3 Quick Online Approval
13% Package Policy Car Insurance Plans have it !
4.4 Appointment of Surveyor
No Package Policy Car Insurance Plans has it !
4.5 Claim Settlement Duration
HDFC Ergo Car I..
7 days
Rank: 1 (Overall)
Bharti AXA Car Insurance
ADD ⊕
4.6 Required Documents
4.6.1 For Accidental Claims
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, Original repair invoice for cashless claims, Payment receipt for non-cashless claims, Policy copy, Registration certificate
4.6.2 For Theft Claims
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, No trace report, Registration certificate
4.6.3 For Third Party Claims
A copy of police FIR/ Panchnama, Driving licence, Duly filled and signed claim form, Policy copy, Registration certificate
5 Discounts
5.1 No Claim Bonus
All Package Policy Car Insurance Plans have it !
5.1.1 NCB After One Claim Free Year
Royal Sundaram ..
20 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.2 NCB After Two Claim Free Years
Royal Sundaram ..
25 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.3 NCB After Three Claim Free Years
Royal Sundaram ..
35 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.4 NCB After Four Claim Free Years
Royal Sundaram ..
45 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.1.5 NCB After Five Claim Free Years
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
5.2 Voluntary Discount Option
96% Package Policy Car Insurance Plans have it !
5.3 Age Discount
9% Package Policy Car Insurance Plans have it !
5.4 Profession Discount
4% Package Policy Car Insurance Plans have it !
5.5 ARAI Approved Anti Theft Device
87% Package Policy Car Insurance Plans have it !
5.6 Membership Discounts
5.6.1 AAI Membership
78% Package Policy Car Insurance Plans have it !
5.6.2 Recognised Motor Association
57% Package Policy Car Insurance Plans have it !
5.7 Handicap Discount
43% Package Policy Car Insurance Plans have it !
6 Terms and Conditions
6.1 Inclusions
6.1.1 Natural Calamities
Cyclone, Earthquake, Explosion, Fire, Flood, Frost, Hailstorm, Hurricane, Inundation, Landslide, Lightning, Rockslide, Self-ignition, Storm, Tempest, Typhoon
6.1.2 Manmade Calamities
Accident by external means, Burglary, Malicious acts, Riots, strikes, Terrorism, Theft, Transit by road, rail, inland waterways, air or lift
6.2 Depreciations
6.2.1 Rubber, Nylon, Plastic Parts etc.
Royal Sundaram ..
50 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.2 Fibre Glass
Royal Sundaram ..
30 %
Rank: 1 (Overall)
Royal Sundaram Car Insurance
6.2.3 Parts Made of Glass
Royal Sundaram ..
0 %
Rank: N/A (Overall)
Royal Sundaram Car Insurance
6.3 Other Terms and Conditions
6.3.1 Deduction for the Salvage Amount
22% Package Policy Car Insurance Plans have it !
6.3.2 Cost of Surveyor Inspection
4% Package Policy Car Insurance Plans have it !

Details About Bharti AXA Car Insurance

Bharti AXA Car Insurance is a Package Policy provided by Bharti AXA. Details about Bharti AXA Car Insurance include basic information, covers included in the plan, roadside assistance details, claims and discounts related information and terms and conditions of the policy. Bharti AXA customer care number is: 08049010222. This policy can be bought online. It provides Third Party liability insurance. The insurance policy provides personal accident cover for the Owner/ driver. The maximum limit of personal accident cover under this plan is ₹ 200000. The policy provides personal accident cover for co passengers as an optional cover. You can get your vehicle repaired in cashless garages of Bharti AXA.

Covers In Bharti AXA Car Insurance

Among various covers in Bharti AXA Car Insurance, some are mandatory covers, while the remaining are optional covers. Optional covers can be selected at an additional premium. Some companies also put a limit on the maximum number of times these covers can be claimed. Comparing Bharti AXA Car Insurance vs Chola Protect Car Insurance will help you to decide which policy is better. If the insured vehicle is going to be used outside the Indian border, You should avail the geographical area extension; Otherwise the car insurance does not cover any damage to the vehicle, injury to the owner or third party liability outside the Indian border. This cover can be availed for surrounding countries such as, Nepal, Sri lanka, Maldives, Bhutan etc. Geographical area extension is available for most of the car insurance policies as an optional cover.

Some car insurance companies provide cover for the accessories that are not fitted by the car manufacturer. The accessories in a car can be of two types- Electrical accessories and Non-Electrical accessories. Bharti AXA Car Insurance does not provide cover for electrical accessories fitted in the car. The policy does not provide cover for non-electrical accessories fitted in the car. If you have installed a CNG kit in your car, you also need to buy a CNG kit cover. Bharti AXA Car Insurance does not provide cover for CNG kit installed in the car.

Roadside Assistance by Bharti AXA

Roadside Assistance is the emergency on site help provided by the insurer, in case the insured car suffers a breakdown or an accident. Bharti AXA Car Insurance provides roadside assistance as an optional cover. The number of times roadside assistance by Bharti AXA can be availed is NA.Roadside Assistance by Bharti AXA includes towing facility to tow your vehicle to the nearest garage. Assistance related to the keys and fuel is also included in some roadside assistance covers.Bharti AXA Car Insurance roadside assistance includes locked/ lost keys related assistance. The company is not responsible for any damage caused while opening the locked door. Fuel delivery is included in this plan. The company makes the arrangements for fuel delivery at your location, in case your car runs out of fuel.

Discounts On Bharti AXA Car Insurance

The insurance company provides various discounts on Bharti AXA Car Insurance, which reduce the amount of premium to be paid. No Claim Bonus, Voluntary Discounts, ARAI approved Anti-Theft Device discount are the main discounts that are generally available on car insurance package policies. Apart from these, some companies also provide age based discounts, profession based discounts and membership based discounts.There might be some more Discounts available on Bharti AXA Car Insurance. Voluntary discount option is also available for the policy. Bharti AXA provides an additional discount on your premium if you have fitted an ARAI approved Anti-Theft device in your car.

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