You never know or you cannot even predict when your car is likely to meet an accident since countless number of accidents take place in Indian road. The best way to overcome all the risks is to purchase a car insurance plan from any reputed auto insurer. Bharti AXA General Insurance Company Limited is one such car insurer that you can rely on. If you buy Bharti AXA car insurance policies, you do not have to burn whole money from your pocket as it offers affordable premium. With Bharti AXA car insurance policy, you just have to pay a small annual premium and you will get protection against financial losses that may occur in case your vehicle is damaged in an accident or mishaps. Thus, it can be said that Bharti AXA car insurance policy will be an ideal choice for you if you are looking for smart and efficient motor insurance plans.

When it comes to auto insurance, the features and benefits of Bharti AXA motor insurance come first. You can avail ample of benefits if buy auto insurance from Bharti AXA. Below we have shortlisted some exclusive features and benefits of Bharti AXA car insurance policies.

Personal Accident coverage is also included in comprehensive insurance plans. Policyholders can get Sum Insured of Rs. 2 lakhs for the owner-driver in case of any accidental death or permanent total disability.

Two types of car insurance plans are offered by Bharti AXA General Insurance – Third Party Car Insurance Plan and Comprehensive Car Insurance Plan. Policyholders can avail plenty of coverage under Bharti AXA vehicle insurance plan. You can have a look below to know more about it.

As per this add-on cover, you will get financial protection if your four wheeler breaks down due to internal parts damage of the engine and gearbox.

With this Bharti AXA motor insurance add-on, you do not have to pay any depreciation on expenses of repaired/replaced parts like plastic, fibre, rubber and glass parts.

If you add this add-on cover in your insurance bucket list, you can get help with just one call at any time of the day or night when your vehicle breaks down in the middle of the road. This Bharti AXA car insurance online plan provide services for changing flat tyres, repairs, emergency fuel refilling, towing facility etc.

If your four-wheeler’s engine gets damaged during heavy rains or floods, this add-on comes into its role player. It provides coverage against repair or replacement of engine parts.

You can increase your motor insurance coverage with Bharti AXA General Insurance by paying some additional premium. Bharti AXA car insurance online add-on ensures maximum coverage and total protection of your four wheeler. Some of the best add-on covers of Bharti AXA car insurance policies are following

If you buy a motor insurance plan, you may think that all the damages and losses associated with your vehicle will be covered. But the thing is not like that, there are some exclusions. That means you will not get the coverage under following circumstances

Bharti AXA General Insurance Company Limited makes the renewal process convenient for the policyholders. Bharti Axa car insurance renewal has equal importance on purchasing the policies online. Bharti AXA car insurance renewal will take a very short time when you go for online renewal. You just have to complete your Bharti Axa car insurance online renewal process before its expiration to keep the continuation in coverage. Below we have shared step by step process for Bharti AXA car insurance online renewal.

Add-on cover from Bharti AXA Car Insurance comprises Depreciation Cover, No Claim Bonus (NCB) Protector Cover, Hydrostatic Lock Cover, Road Side Assistance Cover, Ambulance Charges Cover, Consumables Cover, Invoice Price Cover, Key Replacement Cover, Engine and Gear Box Cover, Hospital Cash and Medical Expenses.

Depreciation Cover

The pre-decided amount is reduced as a result of depreciation at the time of a claim settlement. Thus, the car owner has to pay the costs of depreciable car parts regardless of the insurance policy. However, with the Zero Depreciation Cover you can easily avoid this. With the Zero Depreciation add-on cover, you can avail the total claim value without factoring the depreciation amount.

Key Features:

✔ This add-on cover is helpful for a vehicle less than 5 years old. ✔ Vehicle is repaired at any Bharti AXA’s Authorized garage ✔ The repair costs of durables like batteries, tyre(s), nylon, airbags, etc. are covered. ✔ Offers 100% reimbursement on depreciated parts at the time of claim settlement. ✔ This add-on cover is valid for 2 claims during the policy term. Specific Exclusion: ✔ It is only valid for 2 permissible claims.

Hydrostatic Lock Cover

If you are living in a flood affected or a heavy rainfall area, because of the water ingression your car’s engine may get damaged. This is where the Hydrostatic Lock Cover add-on cover comes to rescue.

And also, under such circumstances, the engine fails to start since the water gets into it. The water can cause serious damage to the engine as well. The cost of replacement or repair of engine parts owing to ingression of water in engine and hydrostatic lock is very expensive. This major financial hammering is not covered under any standard comprehensive car insurance policy. However, with this add-on cover the entire cost is covered.

Key Features:

✔ Replacement or repair of the car at the authorized garages of Bharti AXA across India. ✔ Covers replacement or repair of engine parts damaged as a result of water. ✔ The cover can be purchased for vehicles that are less than 5 years old. ✔ This add-on covers the value of the parts replaced within 15 days following the date of loss. Note: The insured must be the First Registered Owner of the vehicle and the vehicle must not be more than 5 years old from the date of start of cover.

Specific Exclusion:

✔ Manufacturing irregularities or defects known by the insured beforehand. ✔ Consequential losses, except the loss as a result of “Water Damage” and normal wear, tear or negligence. ✔ The depreciation costs in case of replacements, under which the cost is to be borne by the insured himself.

No Claim Bonus (NCB) Protector Cover

With every year the No Claim Bonus (NCB) keeps increasing for not filing any claim during a policy term. This bonus can go from 20% for the first no-claim year to upto 50% for not filing any claim for 5 consecutive years. But if, in case you file a claim in a single year, this accumulated NCB may reduce to zero. To steer clear of this, Bharti AXA Car Insurance offers No Claim Bonus Protector as an add-on cover. With NCB Protector add-on cover, the company will give you the same percentage of no-claim bonus even if you file up to two claims during a policy term.

Key Features:

✔ This add-on cover helps you to keep hold of the same ‘No Claim Bonus’ percentage for up to 2 claims during the policy term. Note: In case of claims exceeding two times in a policy term of two consecutive years, the NCB will get down to zero.

Specific Exclusion:

✔ The cover will stop to function following one claim in which the claim is not acceptable. ✔ In case of transfer of ownership the cover will stop with the effective date of endorsement.

Road Side Assistance Cover

Numerous times, while travelling or commuting, you may come across an unpleasant occurrence of empty fuel tank or flat tyre(s). Road Side Assistance Cover helps you with the right support in the event of a breakdown or an accident. With this add-on cover, you can go for any road trip or travel without having to worrying about such unpleasant events.

Key Features:

✔ Offers on-road repair for minor or small breakdowns. ✔ Covers change of flat tyre. ✔ Replacement of a lockout or lost key. ✔ Provides you with emergency fuel. ✔ Offers towing facility till the adjacent garage Note: All the added expenses concerning the replacement of a part, extra Fuel and any other services that do not form a part of the standard services offered would be on chargeable. The Roadside Assistance Services offered will be within 50kms radius of any office of Bharti AXA or city under network coverage of the Company.

Invoice Price Cover

You can add Invoice Price Cover to ensure that there is no financial depression in your pocket, in case your car gets completely damaged beyond repair or stolen. Under this add-on, you will get the depreciated value – the Insured Declared Value (IDV) of your car.

Key Features:

✔ You will get the invoice value of the car together with the road tax, registration fees, and insurance if you choose to buy this add-on cover. ✔ Provided that the vehicle is covered up to 2 years from the date of registration.

Specific Exclusion:

✔ Any electronic/non electronic accessory(s) and electrical/non electrical including any bi-fuel kit forming part of the invoice but not insured under the policy. ✔ If the vehicle is recovered within 90 days of it’s getting stolen.

Consumables Cover

The costs of consumables are basically not covered under the insurance policy at the time of claims. However, you can now save the money on such consumables at the time of claim with the Consumables Cover add-on offered by Bharti AXA. This add-on offers coverage against the expenses towards consumables that are unfit for further use, arising out of damage owing to an accident or any such incident.

Key Features:

✔The add-on cover will reimburse the amount of the replaced parts within 3 days from the date of loss. ✔The items covered under this add-on comprise nut and bolt, washers, screw, lubricants clip, grease, bearings, grease, engine oil, distilled water, fuel filter, oil filter, brake oil, etc. ✔All such costs are to be supported with appropriate invoices/ bills only from the Garages authorized by Bharti AXA. And such repairs are to be undertaken within 3 days of the date of loss. ✔It is valid for vehicles insured within 5 years from the registration date.

Specific Exclusion:

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

Engine and Gear Box Cover

A mechanical breakdown or fault that has resulted in the damage to the gearbox as well as the engine can make you pay a hefty repair bill. Engine and Gear Box add-on cover provides you with a financial security in case of consequential damage to the internal parts of the Engine and Gear Box owing to water ingression and/or leakage of lubricating oil which might become the reason of damage to the Engine or Gear box due to Accidental reasons. With Bharti AXA car insurance plan, the replacement or repair shall be done at any of the authorized garages of the company spread across India.

The claim is to be filed to the company, and the vehicle needs to be taken to the garage immediately after the water receding.

Key Features:

✔It covers the internal parts of the Engine ✔It covers the internal parts of the Gear Box ✔Offers coverage for Associated Labour charges Note: Replacement or repair shall be performed at the Bharti AXA Authorized Garages across India. And under this policy, only one claim will is payable during the policy term.

Specific Exclusion:

✔ The Company will not be liable to pay any claim if the repair or replacement is done earlier than getting the approval from the company.

Key Replacement Cover

This add-on cover has been designed help you pay for the cost incurred to replace the vehicle key if it is stolen or lost. Reimbursement will be offered for the lock as well if it is replaced, subsequent to the loss of the key.

Key Features:

✔Key Replacement add-on cover, as the name suggests, covers the cost of making a new key. ✔Offers coverage for the cost of up to of Rs. 25,000/- per claim. ✔It also covers the cost of the replaced lock (if needed) subsequent to the loss of the key. It is applicable for up to 2 claims during a policy term.

Specific Exclusion:

✔ You can file maximum two claims during one policy term.

Hospital Cash

Hospital Cash add-on cover provides you with a lump sum amount for each day spent at the hospital in case of an accident in the car. This add-on cover offers daily cash of Rs. 1,000/- per day (for up to 30 days) when hospitalized.

It is valid only for medical treatment by a registered practitioner.

Ambulance Charges Cover

This add-on cover has been designed to pay for the charges for the transportation of the insured person in an ambulance to the hospital.

Medical Expenses

This add-on cover provides you with a sum of up to Rs. 10,000/- for you as well as the passengers boarding in the car. Medical Expenses add-on offers coverage the medical expenses for the treatment of the injured person, in the event of an unforeseen accident.