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Bharti AXA Car Insurance: Reviews, Coverage and Benefits

Bharti AXA General Insurance Company Limited (IRDA Reg. No. 139) is a joint venture between two strong brands – Bharti Group and Axa.

Axa is one of the biggest insurer in the world that believes in achieving operational excellence through product innovation, business expertise and service quality. Bharti Group compliments this value proposition with a strong local knowledge and robust presence in various sectors.

Bharti Axa's SmartDrive Private Car Insurance Policy is meant to be simple yet quite comprehensive. It provides complete coverage against loss or damage to your car as well as any liability arising out of the involvement of third party.

Types of Coverage

  • Own Damage: SmartDrive Private Car Insurance Policy provides coverage for the damage/loss to your car in the event of:

    • Fire explosion self-ignition or lightning
    • Burglary housebreaking or theft
    • Riot and strike
    • Earthquake (fire and shock damage)
    • Flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
    • Accidental external means
    • Malicious act
    • Terrorist activity
    • Whilst in transit by road rail inland-waterway lift elevator or air
    • Landslide/ rockslide
  • Third Party Liability: This will cover your back if any third party raises claim for any injuries or property damages triggered by your car.
  • Personal Accident Cover: Bharti Axa car insurance will pay up to a specified amount to you or your beneficiary in case of death or permanent total disability of the owner driver due to an accident while travelling in your car.

Add-on Features

To enhance the coverage offered by the base car insurance policy, Bharti Axa offers below add-on features at additional premium.

  • Depreciation Cover

  • Hydrostatic Lock Cover

  • No Claim Bonus Protector

Discounts Offered

Bharti Axa car insurance offers specific discounts that can significantly trim your premiums.

  • NCB Discount: Can be availed on own damage premium depending on the number of consecutive claim free years.

  • Installing Anti-Theft Devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Significant Exclusions

While Bharti Axa Car insurance policy is designed to provide adequate coverage against any ill-fated eventualities, there are certain scenarios that are excluded from the coverage. Below are listed few:

  • Consequential loss

  • Depreciation – normal wear and tear

  • Mechanical and Electrical breakdown – failure or breakage

  • War perils, nuclear perils and drunken driving

  • When the car is used outside the geographical area

How to Claim?

  • Intimate the claim on Bharti Axa’s Helpline 080-49123900

  • For cashless service, you need to get your car repaired at a garage within the network of Bharti Axa

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company

Coverfox Review

With a wide network of more than 2,300 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.

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