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All About Bharti AXA Car Insurance Plans

Written by Sharad Bajaj
Updated On Jan 08, 20202 min read

Here are all the car insurance policies offered by Bharti AXA General Insurance.

Starting its operation in India from 2008, Bharti AXA General Insurance has gained a prominent place in the general insurance industry. Within a short span of time, the company has been able to setup more than 110 branches across the country. Bharti AXA has recorded an impressive Own Damage (OD) claim settlement ratio of 88.54% during FY 2017-18. It caters to a wide range of customers’ insurance needs with the help of its extensive portfolio of insurance products, which also include several car insurance policies. The insurer features a network of more than 4,500 in its network of cashless garages where it customers can avail cashless claims.

Bharti AXA Car Insurance Plans

Bharti AXA offers two types of car insurance policy for private cars in India:

  1. Bharti AXA Third Party Liability Only Plan
  2. Bharti AXA Comprehensive Car Insurance Plan

Bharti AXA Third Party Liability Only Car Insurance

A third party is any person walking on the road or travelling in another vehicle. The Bharti AXA third party liability cover protects you from all third party liabilities. The insurer insures the policyholder for the following under the Bharti AXA third party liability only cover:

  • Injury caused to a third party. Limited/Unlimited compensation is offered depending on the nature and extent of injuries.
  • Death of a third party. Bharti AXA has unlimited liability in such a case; the final compensation amount is decided by a court of law.
  • Third party property damage. Up to Rs. 7.5 lakh compensation.
  • All expenses incurred during court trial proceeding(s).

Bharti AXA Comprehensive Car Insurance

In addition to third party liabilities, an accident/mishap can also result in damages to the insured's car. The Bharti AXA comprehensive car insurance policy allows the policyholder to get indemnification for damages caused to the insured's car along with all third party liabilities. Compensation is offered in the following cases:

  • All third party liabilities including third party property damage up to Rs. 7.5 lakh.
  • Damages incurred by the insured's car in a road mishap.
  • Damages incurred by the insured's car due to a natural or man-made calamity, fire, etc.
  • Theft of the insured’s car.

Bharti AXA Car Insurance Add-ons

Bharti AXA General Insurance offers the following car insurance add-ons with its comprehensive car insurance plan:

  • Zero Depreciation Cover
  • Invoice Price Cover
  • Hydrostatic Lock Cover
  • No Claim Bonus Protection Cover
  • Roadside Assistance
  • Hospital Cash Cover
  • Medical Expenses Reimbursement Cover
  • Ambulance Charges Cover
  • Engine & Gearbox Protection Cover
  • Key Replacement Cover

Apart from the standard car insurance policies, Bharti AXA also offers personal accident cover of up to Rs. 15 lakh for the policyholder and a personal accident cover of up to Rs. 2 lakh for unnamed co-passengers. The insurer also offers a legal liability cover for a hired driver against an extra premium. These three covers can be opted with both Bharti AXA Third Party Liability Only Car Insurance as well as Bharti AXA Comprehensive Car Insurance.

Why Should You Choose Bharti AXA Car Insurance?

Bharti AXA General Insurance offers the following benefits which makes it an ideal choice among car insurance companies:

  • Availability of insurance cover for injuries of policyholder and co-passengers.
  • No Claim Bonus Discount on claim-free years.
  • Availability of round the clock claim assistance and customer support.
  • Hassle-free claim settlement at over 4,500 network garages across India.

For further reading:

Best Car Insurance Policy for People in Their 30s

Disclaimer: This article is issued in general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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Written by Sharad Bajaj
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 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

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