Bharti Axa Car Insurance is a Motor Insurance Policy offered by Bharti Axa General Insurance Company to Cover the Loss / Damage Caused to your Vehicle due to Unfortunate Accidents. Bharti Axa Four Wheeler Insurance Policy makes your Journey Hassle-Free. Interested Users can buy the Bharti Axa Motor Insurance through Online or Offline. So why are you waiting? Buy a New Bharti Axa Private Car Insurance Plan and enjoy your Ride without any Tensions.
Bharti Axa Car Insurance Review
Life is a Great Balancing Act. Nowadays, there is no guaranty to the life of the Person. Anything may happen unexpectedly at any point in time and sometimes it may lead to some severe crisis such as Death of a Person due to Sudden Accidents. Why should we risk our life for a Simple Accidents? Get a Bharti Axa Motor Insurance Plan and enjoy hassle free Journey with your loved ones. Bharti Axa Car Insurance Policy Provides Personal Accident Coverage along with the Loss/Damage Cover to your Vehicle. It also Protects against any legal liability in case of Death or Damage caused to the Third Party Property.
Bharti Axa General Insurance Company offers Various Insurance Products to Meet the Needs of an Indian Customer. Motor Insurance is also one of the Insurance Policy provided by Bharti Axa General Insurance Company to Protect you Against the Unexpected Accidents. The Registered Owners of any Car are eligible to take this Bharti Axa Private Car Insurance Policy. Bharti Axa Insurance Company also offers Hassle Free Claim Settlement for Car Insurance during the Policy Period only provided that some Terms and Conditions. For Further Details like Covers, Exclusions, Addons related to Bharti Axa Car Insurance Policy, please follow the below Sections.
Key Features & Benefits of Bharti Axa Private Car Insurance
- You will get Policy Instantly without any delays.
- It Offers 24X7 Claim Service.
- You can get Cashless Claim Settlement at 2700+ Garages across India.
- It Provides Road Side Assistance in case of your Vehicle Immobilized on Centre of the Road.
- You Can Avail No Claim Bonus (NCB) for Claims Free Experience.
- It provides an Accident Death Coverage up to 2 Lakhs for Other Passengers on the Car.
- It also Provides Third Party Legal Liability if your Vehicle involved in any Accident.
- By Paying an Extra Premium, you can get Additional Cover for Los or Damage to the Electrical and Non-Electrical Accessories installed in your Vehicle.
- You can also Opt for Personal Accident Cover for the Insured and Any Named & Unnamed Passengers by paying Additional Premium.
Bharti Axa Car Insurance Inclusions
- Bharti Axa Four Wheeler Insurance Covers the Loss/Damage caused to your Vehicle due to
- Accidental damage by external means.
- Fire, explosion, self-ignition.
- Any damage due to transit by road, rail, inland waterway, lift, elevator or air.
- Damage caused due to Natural Disasters like Lightning, earthquake, flood, hurricane, typhoon, Storm, Tempest, Inundation, cyclone, hailstorm, frost, landslide, rockslide.
- Any Loss due to Burglary, theft, riot, strike, malicious act and terrorist activity.
- Along with the above Covers, it Provides Personal Accident Cover for the Owner / Driver of the Vehicle. It Offers a Death Benefit of Rs. 2 Lakhs for Accidental Death of Owner / Driver.
- It also Provides Coverage for Damage to the Third Party Property.
- It Protects Insured against bodily injury/death of a person hit by you under Third Party Liability Coverage.
The rate of Compensation available for Personal Accident Cover for Owner / Driver?
Under Personal Accident Cover The Driver or Owner of the Vehicle will be Insured. The Company will pay the Compensation for bodily injury or death of the owner/driver of the vehicle. Bharti Axa General Insurance Company offers a Death Benefit of Rs. 2 Lakhs for Accidental Death of Owner / Driver under Personal Accident Cover.
The Rate of Compensation available under personal accident coverage is as follows
|Nature of Injury||Scale of Compensation|
|Loss of two limbs or sight of two eyes or one limb and sight of one eye||100%|
|Loss of one limb or sight of one eye||50%|
|Permanent total disablement from injuries other than named above||100%|
Exclusions of Bharti Axa Four Wheeler Insurance
Bharti Axa General Insurance Company does not cover any loss or damage to the Car / its Accessories caused due to
- Loss due to wear and tear, electrical or mechanical breakdown.
- Consequential loss.
- Damage due to Failures or Breakages of Car.
- I do not Cover the Loss due to Aging of the Vehicle.
- Loss caused due to Damage of Tyres unless the vehicle is damaged at the same time of Accident.
- It Does not cover the Loss Caused due to driving the Vehicle without a Proper License.
- This policy does not cover any loss to your vehicle caused outside the India.
- It Does not Cover any loss due to Nuclear Risks.
- Loss caused due to Driving the Vehicle under the Influence of Alcohol or Drugs.
- It Does not Cover the Loss if you use the for Other Purposes like using your Car as Taxi.
Along with these Exclusions, Bharti Axa General Insurance Company Deducts its Coverage at some rate on different Parts of the Vehicle. The Rate of Depreciation offered by Bharti Axa General Insurance Company is Mentioned below.
Depreciation Rates for Bharti Axa Car Insurance
- All rubber/nylon/plastic parts, tyre and tubes batteries and air bags – 50%.
- Fibreglass components – 30%.
- All parts made of glass – NIL.
Rate of depreciation for all other parts including wooden parts will be as per the following table
|Age of Vehicle||% of Depreciation|
|Not exceeding 6 months||NIL|
|Between 6 months and 1 year||5%|
|Between 1 and 2 years||10%|
|Between 2 years and 3 years||15%|
|Between 3 and 4 years||25%|
|Between 4 years and 5 years||35%|
|Between 5 years and 10 years||40%|
|More than 10 years||50%|
Bhati Axa Car Insurance Additional Coverages
Bharti Axa General Insurance Company is offering several Additional Coverages for Car Insurance. The Addon Covers available under Bharti Axa Four Wheeler Insurance are as follows
- Depreciation Cover: This Cover will help you to get 100% cost on certain parts of your car when you claim irrespective of your Cars Age.
- Road Side Assistance: This Addon Provides Roadside Assistance if your Car got stuck due to Breaks Down, Flat Tyres, Runs out of Fuel and even when you lose your Car Keys etc. This cover is available for all cars, but this is recommended for women drivers.
- Consumables Cover: This add-on provides coverage against the Consumables Cost like oil, nuts, bolts, etc. This Cover is recommended for Cars Age below 5 years.
- No Claims Bonus: You will get No Claim Bonus (NCB) on Claim Free Renewals. This no claim bonus helps you to reduce your car insurance premium for next year.
- Hydrostatic Lock cover: This Provides the Coverage for your Engine if the Engine get damaged due to Water Entering into it. Generally, the standard insurance policy will not cover the engine replacement or repair cost. This Cover recommend for the user’s whose area is prone to heavy rains.
- Invoice Price Cover: In the Event of Loss the Company will reimburse the value of the vehicle + registration + road tax + insurance. Under this Cover, The Car is Covered up to 2 years from the date of registration.
Some more Addons available under Bharti Axa Car Insurance
- Personal Accident Cover for Family/ Passenger: Under this Cover, The Company Provides Coverage for the Permanent total disability, Permanent partial disability, and Accidental Death of Family/ Passenger.
- Medical Expenses: The Company will Reimburses up to Rs. 10,000 as Medical Expenses for you and passengers travelling in the insured car.
- Hospital Cash: It provides up to Rs. 1000 per Day as Hospitalisation Expenses arisen due to Insured’s Accident or Illness for a Daily Assistance for hospitalisation up to 30 days is provided.
- Key Replacement Cover: This Cover includes the cost of making the duplicate key if the key is lost and also the cost of lock if the lock needs to be replaced.
- Consumables Cover: It Provides the Coverage for the Items which are unfit for further use, arising out of damage to the insured vehicle or the accessories.
- Ambulance Charges Cover: It covers the Ambulance Expenses incurred on the Insured Person due to Accident or bodily injury are Reimbursed to the Policyholder as per the Policy.
- Engine and Gear Box Cover: Engine and Gear Box cover offers you financial protection if your vehicle breaks down due to consequential damage.
Bharti Axa Private Car Insurance Buying Process
Interested Users can buy the Bharti Axa Car Insurance Policy at the official website www.bharti-axagi.co.in by entering Vehicle Details, Personal Details. You can also Buy the Bharti Axa Four Wheeler Insurance Policy from the Nearest Branch Office or, from the Agent of Bharti Axa General Insurance Company. But Online Buying Process is easy & Flexible compared to offline Buying Process. You need to follow the below Steps to buy the Bharti Axa Private Car Insurance Policy Online
Steps to buy Bharti Axa Car Insurance Online
- Visit the Official website www.bharti-axagi.co.in
- Click on Car Insurance -> Buy Now.
- Enter your Car Details and Contact Details.
- After Entering the Details Click on Get a Quote.
- You will get Quote to your Phone.
- Use the Quote to buy the Policy Online.
- Enter your Personal Details, Addon Covers you want to take.
- Then the Premium you need to Pay to take the policy displays on the Screen.
- Check the Premium and Pay online using Net Banking/Credit Card/Debit Card.
- You will get Policy Instantly after paying the Premium.
Claim Process of Bharti Axa Four Wheeler Insurance
You need to follow the below Steps for Prompt Claim Service in case of Unfortunate Accident occurs to your Vehicle
- First Notify your Claim to the Policy Issuing Office by Calling to the Toll Free Number 1800-103-2292 or by sending email to firstname.lastname@example.org
- The customer service centre will register the claim and provide you with the claim registration number.
- The Company will appoint Surveyor to inspect your vehicle damage at the garage within 1 working day.
- After the Assessment of Damage, the surveyor will give spot approval.
- After Completion of Repair vehicle will be released to you after your confirmation.
- If you have Opt for the any Cashless Garages, the Company will Settle the Claim directly with the garage.
- All you need to do is to pay the amount that is not recoverable under the policy such as deductible / policy excess or payment for any non-accident related work / service.
For Prompt registration and settlement of your claim, please provide the below Information
- Your Contact number.
- Policy number / Cover note no. or Vehicle no.,
- Chassis no and Engine no.
- Date & Time of loss.
- Loss location.
- Nature & extent of the loss.
- Nature of injury if any.
The Documents required in Bharti Axa Car Claim Process
- Duly Filled Claim Form and signed by insured.
- Self Attested copy of R/C Book and original for verification.
- One Self Attested copy of Driving License and original for verification.
- FIR/ Charge sheet in case of Major damage or third party property damage/third party injury/death/theft of vehicle/ damage.
- Satisfaction letter if you would like to avail cashless facility at preferred garages.
- Any additional documents required.
Bharti Axa Car Insurance Renewal Online
You can Renew the Bharti Axa Private Car Insurance through online at the official website by following the below simple steps. You can also renew your Car Insurance policy by visiting the Bharti Axa General Insurance Company. But Online Renewal Process is the Flexible and easy process.
Steps to Renew Bharti Axa Private Car Insurance Online
- Visit the Official website www.bharti-axagi.co.in
- Click on Car Insurance -> Renew Policy.
- Enter your Policy Number, Expiry Date, Phone Number & Other Required Details and click on Proceed.
- You will then redirect to Online Renewal Page.
- On Renewal Page you can see the Premium Amount you need to Pay to renew your Policy.
- Check the Premium and Pay through online Using Net Banking/Credit Card/Debit Card.
Bharti Axa Car Insurance Premium Calculator
You can calculate the Minimum Premium that has to be Paid to take the Policy By Using the Bharti Axa Car Insurance Premium Calculator. The Amount of Premium Paid will Depends on the Vehicles Age, and any Extra Coverages you have opted. You need to enter the below Information to Calculate the Bharti Axa Car Insurance.
- Vehicle Details.
- Cubic Capacity.
- Geo-Graphical Zone.
- Add on Covers.
- Age of the Vehicle.
- Personal Details.
- Contact Details.
For More Information, please refer Bharti Axa Four Wheeler Insurance Brochure