- About Coverfox
With the increasing number of road accidents taking place today, it has become imperative to buy car insurance for your prized possession from a reputed and trusted car insurer. Bharti AXA is one such trusted insurer whom you can rely on. With the types of coverage and the premiums that this insurance company offers, you don’t have to burn a hole in your pocket.
The comprehensive car insurance plans here offer coverage in case of any financial losses arising due to theft or damage to the car. Besides, you also get a 24/7 claim assistance, a good set of 3000+ cashless network garages as well as discounts on premiums through No Claim Bonus (NCB). Comprehensive car insurance from Bharti AXA offers extra coverage at just a nominal cost through their helpful add-on covers such as Zero Depreciation Cover, Roadside Assistance, NCB Protector, Invoice Price Cover, etc. You can easily buy and renew your car insurance from Bharti AXA in less than 5 minutes!
Bharti AXA Private Car Insurance Policy can be tailor-made for any private vehicle to get insurance. The comprehensive policy by Bharti AXA Motor Insurance covers any Own Damage of the insured car or the policyholder and any liability loss or damage to the third-party property in case of an unfortunate accident or mishap.
Own Damage: This policy covers any damage or loss to the owner's car due to any of the following things:
Third Party or Liability: The third-party policy is mandated by the Insurance Regulatory and Development Authority under the Motor Vehicle Act 1988.This policy is provided by Bharti AXA Private Car Insurance Policy that covers any injuries or property damages to the third party.
Personal Accident Cover: Sum Insured of Rs. 2 lakhs for the owner-driver in case of accidental death or permanent total disability on a premium of Rs.100
Add-on cover includes Depreciation Cover, Hydrostatic Lock Cover, No Claim Bonus Protector, Road Side Assistance Cover, Invoice Price Cover, Consumables Cover, Engine and Gear Box Cover, Key Replacement Cover, Ambulance Charges Cover, Hospital Cash and Medical Expenses.
At the time of a claim settlement, the pre-decided amount is reduced due to depreciation. The owner has to pay the costs of depreciable car parts despite the insurance. But Depreciation Cover helps avoid this. With this add-on cover, the owner gets the full amount without factoring the depreciation amount.
Specific Exclusion: a) Valid only for 2 admissible claims
If you are living in heavy rainfall or flood affected area and due to the water ingression your car’s engine may get damage, this is where this add-on cover come to rescue.
And under such cases, the engine fails to start due to water entering into it. Also, the water can cause major damage to the engine. The cost of repair or replacement of engine parts due to hydrostatic lock and ingression of water in engine is very costly. This major financial loss is not covered by the standard comprehensive policy but with this add-on cover the cost is covered for you.
Note: The insured should be the First Registered Owner and vehicle not more than 5 years from the date of start of cover.
With every year the No-Claim Bonus keeps increasing from 20% for the first no-claim year up to 50% for the 5th no-claim year. But if in case you make a claim in a single year, this may reduce to zero. To avoid this Bharti AXA offers No Claim Bonus Protector as an add-on cover.
With this add-on cover on your side, the company will retain the same percentage of no-claim bonus even if there are up to two claims during the policy period.
Note: In case of more than two claims in a period of two consecutive years, the No Claim Bonus will get down to zero.
Many times while commuting or travelling one may experience an unpleasant event of flat tyre/s or empty fuel tank. This cover helps you with the right assistance in case you have an accident or a breakdown. This way you can plan any road trip or commute without worrying about the unpleasant events.
Note: All additional expenses regarding replacement of a part, additional Fuel and any other service which does not form a part of the standard services provided would be on chargeable basis. The Roadside Assistance Services provided will be 50 Kms radius of any office of Bharti AXA or city under coverage network of AXA Assistance.
You can add this valuable cover to make sure there’s no financial pothole in your pocket, in case car gets stolen or completely damaged beyond repair. You get the depreciated value – Insured Declared Value (IDV) of your car under the standard policy.
At the time of claims, the costs of consumables are not covered under the insurance policy. You can now save the money on such consumables at the time of claim. This add-on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident or any such event.
Specific Exclusion: a) Repairs/ Labour bills from Local Garages against these items.
A mechanical breakdown that has caused damage to the engine and gearbox can leave you with a hefty repair bill. This cover offers you financial protection in case of consequential damage to the internal parts of the Engine & Gear Box due to the water ingression and/or leakage of lubricating oil which may cause damage to Engine or Gear box due to Accidental means. Repair or replacement shall be carried out in any of our Authorized Garages, spread across India
The claim shall be reported to the company, and the vehicle needs to be taken to garage immediately following the water receding.
Note: Repair or replacement shall be carried out in Bharti AXA Authorized Garages across India. And under this policy only one claim will be paid during the policy period.
Specific Exclusion: No claim will be paid if the repair is carried out before getting the approval from the company. Key Replacement Cover This add-on covers the cost incurred to replace the vehicle key if it’s lost or stolen. Reimbursement would be given for the lock as well if it is replaced, following the loss of the key.
Specific Exclusion: Maximum of two claims during one policy period
This add-on covers the charges towards transportation of the insured person in an ambulance to the hospital.
This add-on gives you a lump sum amount for each day spent at the hospital in case of an accident in the car. It provides a daily cash of Rs 1,000 per day when hospitalized for up to 30 days.
It is valid only for treatment by a registered practitioner.
This add-on provides a sum of up to Rs 10,000 for you and the passengers traveling in the car. This covers the medical expenses for the treatment of the injured person, in the case of an accident.
Bharti AXA General Insurance offers many attractive discounts that the policyholder can avail.
If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium.
On the first year, the applicable rate of discount is 20% discount, which increases every policy year, as per the following table.
|No. Of Years||Discount|
|One claim-free year||20%|
|Two consecutive claim-free years||25%|
|Three consecutive claim-free years||35%|
|Four consecutive claim-free years||45%|
|Five consecutive claim-free years||50%|
Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim settlement.
Bharti AXA General Insurance also offers a discount
i) If you install an ARAI anti-theft device in your car ii) If you are member of Automobile Association of India.
Toll-Free Number: 1800-103-2292
Required steps and supporting documents:
a) In case of Accident
b) In case of Theft
c) In case of Third Party Claims
Step-wise guide to claim:
The first things to make a claim is to call on Bharti AXA General Insurance’s Toll-Free Helpline number - 1800-103-2292
Take appointment with the surveyor and take your vehicle to any of Bharti AXA General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
Company confirms liability
If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
With a wide network of more than 2,500 cashless garages across India, Bharti Axa offers 24/7 claims assistance with the most convenient and hassle free processing. Tailor-made plans on offer aimed to suit individual requirements and provide the most comprehensive coverage at crucial times. With so many uncertainties life has to offer, Bharti Axa can be your sure-shot way to deal with any accidents/damages related to your car.
Can I pay Bharti AXA car insurance premium in instalments?
According to Section 64VB of the Insurance Act, 1938, policyholders need to pay the full premium amount in advance, at the start of the policy, to avail the benefits of Bharti AXA car insurance, if and when need be.
Can policyholders get a refund of premium paid towards Bharti AXA car insurance?
Premiums paid towards Bharti AXA car insurance can be refunded only when the insurance policy is returned. However, it is refunded as per the discretion of the insurance company and based on short rate period.
Check the terms and conditions related to short term calculations applicable to your Bharti AXA car insurance policy before cancelling the policy. The alternate copy of your Bharti AXA car insurance policy covering third party risks has to be presented while cancellation of the policy.
How can I apply for Liability Only car insurance from Bharti AXA online?
To apply for Liability Only car insurance from Bharti AXA, you can visit their page named ‘Third Party Motor Liability’ and fill up the form with the required details – name, contact number, email ID, car model, and name of your existing insurer and policy expiry date. Click on the ‘Submit’ option for the insurance company to get in touch with you.
I have lost my Bharti AXA car insurance policy. Can I get a duplicate copy?
You can reach out to Bharti AXA on their Toll-Free number 1800-103-2292 to enable the insurance company’s customer service representative to assist you with the process.
How much extra premium do I have to pay on add-ons?
Add-on prices are determined based on various parameters like age of the vehicle, model, make, location, etc. Irrespective of the parameters, they are generally affordably priced. You can get an estimate of the premium you have to pay on a chosen Bharti AXA car insurance policy, along with your selected add-ons, from the ‘Quick Quote’ section on the company’s official website.