Bharti AXA Car Insurance

Bharti AXA is a leading name in the industry. You will enjoy getting hands on custom-made products, exclusively designed according to your needs.

Unfortunately No! According to section 64VB of the insurance act, 1938, policy-bearers must pay the entire insurance premium amount in advance.

There are quite a lot of factors on which pricing of add-ons depend. For instance, age of the vehicle, make, model and location. To sum up, Bharti Axa ensures affordable prices for all add-ons.

Please Note: Refund of premiums against car policies is solely at the discretion of the company. However, there’s a fair chance of getting premiums refunded only after the insurance policy is returned.

**Carefully read the terms and conditions for a better understanding.**

Car insurance policy by Bharti Axa does not cover:

• Mechanical and electrical breakdowns.
• Obvious wear and tear due to aging of a vehicle.
• Accidents done on purpose.
• Collision as a result of driving under the influence of alcohol.
• Damage to third party without a valid license.

If your car insurance policy has expired, it naturally become a break-in case. Under such circumstances, the vehicle must be inspected before a new policy is issued.

Constructive Loss is a professional term used to describe accidental loss of an insured vehicle in circumstances of total loss that is 75% of the IDV.

Bharti Axa does offer benefits of direct claim settlement. There are workshops widely spread all across the country where customers can settle their claims.

Requesting for claims against add-ons is pretty much similar to a standard claim settlement process.

It’s not much of a trouble to begin with. Simply drop in at the nearest branch along-with a written letter requesting for issuance of a duplicate policy copy. Please Note: You might be charged with a nominal fee.

If you proceed with a claim, your NCB accumulated over the years scales back to zero. Having this add-on is a great bonus. Even after you’ve made two claim in a given policy period, NCB value remains the same.

Need help with our car in the middle of nowhere at the most odd hour? Don’t worry. If you’ve stepped your policy cover with a roadside assistance rider, facilities like towing, flat tyre repair, refueling and other emergency services will be provided.

if you reside in areas where there’s a lot of water-logging and floods, having this cover is only beneficial. The rider will cover for damages in the engine or engine parts. However, the rider can be availed only if the vehicle is less than 5 years in age.

Unlike ordinary policies, a co-passenger cover provide coverage for fellow passengers in the vehicle in case of injury, disability and death.

The rider is valuable in all forms. No depreciation will be calculated on expenses related to replacement of plastic parts, rubber, fiber and glass parts.

In case the key to your vehicle is lost or stolen, having this rider comes in handy. It covers for the lost key. However, claims can be made only twice in the given policy period.

This add-on ensures that in events of injury during an accident, medical expenses of upto Rs.10000 will be provided for the owner-driver and co-passengers.

This is an add-on that covers for the expenses of transportation via ambulance.

On being hospitalized in case of an accident, you can avail Rs.1000 everyday for up-to 30 days of hospitalization.

Damages in the engine of a vehicle or the gearbox is undeniably a costly affair. This rider ensures that expenses of such repair-works are covered by the insurance company.

The rider ensures that expenses of consumables like nuts, oil, bolts and others are paid by the company.

**Conditions are subjected to change depending upon the insurance company**