Bharti AXA Car Insurance

Bharti AXA Car Insurance is the perfect car protection plan for your car. The policy is offered by Bharti AXA General Insurance, which is a joint venture between Bharti enterprises and AXA business group. With over 135 branches across India, the insurer has issued more than 2 crore policies with more than 19 lakhs claim settlement. The insurer has a successful claim settlement ratio of 94.65 along with 5200+ cashless garages across India. The three types of car insurance plans offered by Bharti AXA are comprehensive car insurance, third party liability coverage and stand alone damage with plenty of add-on covers to choose from.

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.

Types of Coverage

Own Damage: Own Damage policy covers any damage or loss to the owner's car due to any of the following things:

• Accident Fire
• Lightening
• Self-Ignition
• Explosion
• Theft, Riots & Strikes and / or Malicious Acts and Terrorism
• Earthquake, Flood Cyclone
• Inundation Transit by Rail, Road, Air & Elevator

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: Personal Accident Cover pays the 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.

Optional Covers:

• a) Passenger Personal Accident cover: With 100 Rs per person the passenger personal accident cover offers with a Sum Insured of Rs.2,00,000 for each of the occupants.
• b) Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver

Add ons 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

No Claim Bonus Protector (Same Slab Cover – Private Car) - 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.

Key Features: - This add-on cover helps you to retain the same ‘No Claim Bonus’ for up to 2 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.

Specific Exclusion:

• The cover will cease to operate after one claim wherein the claim is not admissible.
• In case of transfer of ownership the cover will cease with effective date of endorsement.

Road Side Assistance Cover - Many times while commuting or travelling one may experience an unpleasant event of flat tyre/s or empty fuel tank. Road Side Assistance 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.

Key Features:

• On road repair for minor breakdowns.
• Change of flat tyre.
• Replacement of a Lockout/lost key.
• Provide emergency fuel.
• Towing facility till the nearest garage

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.

Invoice Price Cover - 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.

Key Features:

• If you choose this add-on cover, you get the invoice value of the car along with the registration fees, road tax, and insurance.
• Given the vehicle is covered up to 2 years from the date of registration

Specific Exclusion:

• a) Any electrical/non electrical and electronic/non electronic accessory(s) including any bi fuel kit forming part of the invoice but not insured under the policy.
• b) If the vehicle is recovered within 90 days of the theft.

Consumables Cover - 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. Consumables Cover expenses towards consumables which are unfit for further use, arising out of damage due to an accident or any such event.

Key features:

• The items covered include nut and bolt, screw, washers, grease, lubricants clip, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil
• Valid for vehicles insured within 5 years from the date of registration.
• The amount of the parts replaced will be reimbursed within 3 days from the date of loss.
• All such costs to be supported with proper bills/invoices only from Garages authorized by the company. And such repairs to be undertaken within three (3) days of date of loss.

Specific Exclusion:

• Repairs/ Labour bills from Local Garages against these items.

Engine and Gear Box Cover - 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.

Key Features:

• Internal parts of the Engine are covered
• Internal parts of the Gear Box are covered
• Associated Labour charges are covered

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.

Key Features:

• The add-on covers the cost of making a new key.
• The cost of the lock replaced if needed following the loss of the key is also covered. It is valid for up to 2 claims during a policy period.
• The add-on covers a cost of up to of Rs 25,000 per claim.

Specific Exclusion: Maximum of two claims during one policy period

Bharti AXA General Insurance offers many attractive discounts that the policyholder can avail.

• No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. 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%

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• 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.

• Normal wear and tear
• Depreciation of the car is not covered
• Electrical & mechanical failure
• If you drive the car outside India
• If you are driving under the influence of alcohol or drugs
• If the person driving doesn't have valid driving license
• Nuclear risks
• If you use Vehicle for other purposes. Ex: If the private vehicle is used as Taxi.

Contact Details:

• Website: www.bharti-axagi.co.in
• Email: claims@bharti-axagi.co.in
• Toll-Free Number: 1800-103-2292

Required steps and supporting documents:

a) In case of Car Accident Claim

• Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
• Lodge a claim with duly signed Claim Form
• Copy of Driving License, RC book, Policy document
• FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
• Original Repair Estimate Bill
• In case of cashless service, only Invoice receipt
• In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Car Theft Claim

• Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
• Lodge the claim with duly signed claim form
• Original keys with Copy of Driving License, RC book, Policy document
• Police FIR copy
• Duly signed Form 28, 29, 30 and Form 35.
• Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

• Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
• Lodge the claim with duly signed claim form
• Police FIR copy
• Copy of Driving License, Policy and vehicle’s RC book

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
• Vehicle Delivery

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.