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Bharti AXA Comprehensive Car Insurance Policy

Network Garages | 5,200+ |
Claim Settlement Ratio | 87.99% |
Emergency Assistance | Available 24/7 |
Policies Issued | 2 crore+ |
Accreditation | Dual ISO Certification |
Presence | 135+ branches |
Bharti AXA Comprehensive Car Insurance
A third party liability cover only serves a limited purpose. In order to run your car on streets without any fret of uncertain expenses, you must purchase Bharti AXA Comprehensive car insurance plan. A comprehensive policy, apart from covering third-party liabilities, also insures your car against damages occurred in an accident. The policy includes insurance coverage against road-mishap, vandalism, damages incurred due to natural and man-made calamities, riots and social unrest. It also insures policyholder against injury/death happened in an accident.
Although, purchasing a comprehensive car insurance plan is not mandatory under law but that does not mean it isn’t necessary. It saves you from spending a hefty sum after the occurrence of an accident. Moreover, one can also purchase add-on coverages like NCB protection, No Cost Depreciation and many more to cover things, which are usually excluded from the standard car insurance policy. These add-ons serve well and can be availed by paying an extra premium.
Bharti AXA Comprehensive Car Insurance vs Third Party Car Insurance
Basis | Comprehensive Car Insurance | Third Party Car Insurance |
Coverage | Comprehensive car insurance provides coverage for both - third party liabilities as well as own damages incurred by the insured’s car. | Third party car insurance provides coverage only for third party liabilities which may arise due to a mishap involving the insured’s car. |
Add-ons | Various add-on covers such as Zero Depreciation Cover, Engine Protection Cover, Road Side Assistance Cover etc. can be opted for with this plan. | No add-on covers are available to the policyholder with this plan. |
Premium | It ensures extensive coverage, therefore the premium is relatively higher. | It provides limited coverage, therefore premium is relatively lower. |
Nature of Requirement | It is optional but a recommended plan. | It is a mandatory requirement as per Indian Motor Tariff. |
What All Is Covered Under Bharti AXA Comprehensive Car Insurance Plan?
The comprehensive Insurance policy offers an extensive range of coverage so that the policyholder stay covered under all the events that result in incurring a lot of damage. It offers financial support against all kinds of damages caused to the insured’s car as well as third party vehicle or property. It provides coverage to the insured during the following situations:
- All third party liabilities - bodily injury, death and property damage (up to Rs. 1 lakh), arising out of an accident/mishap caused by the insured’s car.
- Own-damage incurred by the insured’s car in the following scenarios:
- Road accidents
- During travel by road, rail, water or air
- Natural calamities like earthquake, floods, etc.
- Man-made disasters like riots, strikes, etc.
- Fire/Explosions
- Theft.
What All Is Not Covered Under Bharti AXA Comprehensive Car Insurance Plan?
There are various instances where the policy becomes invalid. Your Bharti AXA Comprehensive car Insurance Policy will not provide insurance coverage in case of following situations:
- Regular wear and tear - Depreciation is a natural phenomenon that occurs with every car after a certain point of time. The car incurring loss due to regular wear and tear is not covered under the Bharti AXA comprehensive car insurance policy.
- Illegal Activity - In case the driver was caught performing illegal practises such as underaged driving or driving without a license and involved in an accident, then all the damages caused will not be covered under the insurance policy.
- Driving under intoxication - If the driver was driving under the influence of alcohol or drugs at the time of the accident, then these kinds of activities will not be covered under the policy.
- Driving outside the geographical arena - Your comprehensive insurance policy is applicable under a geographical limitation under which the insured should drive to stay covered. Otherwise, the coverage will not be provided.
Bharti AXA Comprehensive Car Insurance Benefits
Insuring your vehicle with a comprehensive insurance policy comes with a wide array of benefits. The key benefits are as follows:
- Sum Insured depends on IDV of your vehicle, while claim amount depends on the damages incurred.
- A comprehensive car insurance policy has a wide coverage range. Besides covering third-party liabilities, it also covers your vehicle against damages and also insures the policyholder.
- One can also purchase a number of add-on coverages which can be used alongside the standard insurance plan. These add-ons offer additional coverage to things, which are generally excluded from a standard car insurance policy.
- One is also entitled to a discount called No Claim Bonus (NCB) if he/she has not filed any claim during the insurance period. Moreover, NCB accumulates over the passage of claim-free years up to 5 years and the maximum discount that can be availed is 50%.
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Bharti AXA Comprehensive Car Insurance FAQs
How is a comprehensive car insurance policy different from any other insurance policy?
Bharti AXA Comprehensive Car Insurance Policy has some exclusive features that make it different from any other insurance policies. The comprehensive plan includes both own-damage and third party coverage in a single plan and offers diverse add-on covers for customization of policy.
How is the premium on add-on covers determined?
The premium for getting an add-on cover for your car will be determined based on several factors such as age of the car, model, your location, brand etc. You can visit the ‘Quick Quote’ section in the official website of Bharti AXA to get an estimated cost of the premium to get a particular add-on cover.
What is the ideal time to purchase Bharti AXA Comprehensive car Insurance policy?
An ideal time to get your Bharti AXA comprehensive car insurance is when you purchase your new car. However, you can opt for a comprehensive insurance policy for a car anytime you want. If you only have a third-party car insurance policy you can upgrade it to a comprehensive car insurance policy as well.
What does a Bharti AXA comprehensive car insurance policy covers?
A Bharti AXA comprehensive car Insurance policy provides coverage against all the legal liabilities arising due to an unfortunate event. It covers the policyholder against loss/own-damage incurred by the car in any road accident, natural disasters, man-made disasters, fire, explosion, etc. Along with that, it also covers theft of the insured’s car.
How can I get a comprehensive insurance policy for my car from Bharti AXA?
There are basically three ways to get a Bharti AXA comprehensive car Insurance. You can either visit the nearest branch or call at the toll-free number 1800-103-2292 or you can register online on the official website of Bharti AXA General Insurance to get your comprehensive car insurance policy.


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