A complete information guide for Bharti Axa Car insurance

Through a joint venture between Bharti Enterprises, a well known business group and Axa, a leader in the industry of financial protection and wealth management, operations dealing with general insurances commenced. Bharti Axa Car Insurance is the motor Insurance plan that is offered by this company that started in 2008.  As made compulsory by law, they extend benefits to their customers by offering additional riders to their car insurance that has expanded their coverage.

  • Bharti Axa car insurance Plan Summary
Bharti Axa Car Insurance Coverage
Third-party Cover Up to 7.5 Lakhs
Personal Accident Up to 2 Lakhs
Sudden Illness Up to Rs.10,000
Own car damage Cashless garage services at over 2000+ centres

 

  • Bharti Axa car insurance Features and benefits

The features and benefits gained from a Bharti Axa Car Insurance are as follows:

  • These insurance plans are designed for private cars
  • The process of applying for a Bharti Axa car insurance is hassle-free, time efficient and smooth due to minimum paperwork requirements
  • In case of damage to the insured car, a cashless claim settlement can be made at any of the garages certified by Bharti Axa insurance
  • The claim assistance of Bharti Axa Car Insurance is managed by a highly specialised team and provides their guidance at all times and days of the week
  • The Bharti Axa Car Insurance can also be availed online by just a few clicks with no documentation necessary
  • The company provides automatic reminders for your Bharti Axa Car insurance renewal
  • The Bharti Axa motor insurance provides additional covers to expand the coverage of insurance
  • Top reasons to buy Bharti Axa car insurance

The Bharti Axa Car Insurance is an ideal insurance plan who is looking for a basic yet scalable insurance for their car. Some of the top reasons to get your insurance from them are:

  • The process of availing an insurance or a Bharti Axa car insurance renewal is hassle free
  • The company functions in a timely manner, be it issuing their policy or making claim settlements
  • Claim settlements are available over numerous garages across the country making it accessible for all
  • A no-claim bonus of almost 50% will be issued based on the number of claim free years
  • How it works

Similar to other car insurance policies, Bharti Axa Car Insurance offers a third party liability insurance and a comprehensive car Insurance along with additional covers. Claims can be made based on the type of insurance and riders purchased.

  • Bonus and discounts

There are certain bonuses and discounts available under the Bharti Axa Car Insurance:

  • For installations of Anti-theft devices and voluntary deductibles, a discount on the premiums are made available
  • While renewing your insurance, if you have achieved claim free years, a 50% discount can be availed
  • Add on covers
Depreciation Cover ·         Coverage of up to 5 years from the date of registration

·         Complete repayment on items that are replaced

·         Repair costs are covered for airbags, batteries, nylon, fibre glass, plastic parts, and tyres.

·         Up to 2 years of claims, an amount based on the payment of depreciation can be claimed

Invoice Price In case of any loss, compensation is made through the value of Insured Value + registration + road tax + insurance
Medical Expenses Up to Rs.10, 000 for medical treatment for driver + passengers
Personal Accident In the event of permanent disability or death, a compensation of Rs.1 Lakh for passengers is provided
Hospital Cash A daily amount of maximum Rs.10,000 for a limit of 30 hospitalized days

 

  • How to apply

You can apply for a Bharti Axa Car Insurance through the official online site or through offline methods of approaching an agent or centre. The online process is clearly guided and the offline process can be guided with the help of an assistance or agent.

  • Benefits of applying online

The main benefits of applying online for a Bharti Axa Car Insurance it saves a lot of time and involves zero paper work which means the documentation required is minimum. The policy issuing is quick and hassle-free without much delays.

  • Inclusion & Exclusion on Bharti Axa Car Insurance
Inclusions of Bharti Axa Car Insurance Exclusions of Bharti Axa Car Insurance
Damage from Natural Disasters:

Floods, earthquakes, cyclones, etc.

 

Damage from Manmade Disasters:

Fire, riot, strike and accidents etc.

 

Personal Accident Cover for owner-driver:

Owner or driver of the car get up to Rs. 2 Lakhs of coverage, additional covers can be added for passengers too

 

Third-Party liability:

 

This insurance covers charges of protection against third party injury or damage caused by you to person or property

Drink and Drive:

Damages caused to the car under the influence of alcohol by the driver of the vehicle

 

Staged Accidents:

Claim would be rejected if there is evidence that the accident was deliberate or staged

 

Illegal Activity:

Damages caused due to not following the rules will not be valid for claim

 

Commercial Activity:

Using your personal vehicle for commercial purposes

 

Other reasons:

Expired insurance policy, regular wear and tear, consequential damages, etc

 

  • Cashless Garages

In case of damage occurs to own car due to an accident, the policy holder is eligible to visit any of the 1600+ garages across the country and avail a cashless services repair for their vehicle, provided these garages are certified under the Bharti Axa Insurance.

  • Bharti Axa Car Insurance Premium calculator

The premium of a car depends on various aspects such as model of the car, date of registration, year of purchase, IDV of the car, place of purchase, etc. The company thus offers the facility of a premium online calculator to potential policy buyers to be able to calculate their premiums. An example of the same is as follows:

 

TYPE OF VEHICLE IDV PREMIUM + TAX
Honda Accord 1.6 A/T Rs. 443750 Rs. 14494
Audi A-4 1.8 TDI Navi Edition Rs. 3188218 Rs. 74558
Fiat Palio 1.2 Rs. 526154 Rs. 21685

 

  • Renewal

It is not hard to renew Bharti Axa Car Insurance, as the company automatically sends you reminders as your policy comes close to expiration. The Bharti axa car insurance renewal process is hassle-free and time efficient and can be done online. There are clear set guidelines once you visit the site that will guide you through the process. On the other hand, you can take help of the 24*7 assistance provided by them to help you with the offline process to renew your Bharti Axa Motor Insurance.

  • Documents required

The basic set of documents required for the Bharti Axa Car insurance is:

  1. Driving license – it is mandate that the policy holder holds a valid driving license
  2. Bank Information – this is required for the company to ensure a positive and smooth bank credit
  3. Details of the vehicle – registration number, place of registration, model, etc.
  4. Other details – details of the policy holder such as address proof, identity proof, etc.
  • Insurance claim process
  1. The first step would be to purchase the policy. The policy can be bought at one of the centres or through an easier route of purchasing online.
  2. In case a situation of accident arises, intimate your claim to Bharti Axa through call or mail. Keep the necessary documents handy to submit when asked.
  3. Vehicle can be sent for repair to any garage or a garage certified by Bharti Axa to survey the damages.
  4. The claim settlement will take place according to the policy of the garage, depending on whether you chose the Bharti Axa certified Garage or a garage of your choice.

FAQs

  • What are the benefits of buying a Bharti Axa Car Insurance?

The Bharti Axa Car Insurance is specifically designed for the protection of the policy holder’s car. They also have 2000+ garages where cashless claims can be made for damages caused to vehicles. The process of applying and renewal is hassle-free.

  • What are the documents required to make a claim?

The documents required while making a claim are:

  • The policy document
  • Identity proof
  • Contact details
  • Time of accident
  • The survey of damages