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Motor Insurance Plan Motor Insurance Plan

Customizing your car insurance as per your needs for superior protection got a lot easier with Bharti AXA GI. We provide you with customized recommendations for motor add-ons specifically suited to your needs based on details pertaining to your vehicle age, make and model among several factors. We understand that each customer is unique with a precise set of needs.
We therefore enable you to choose the right add-ons by not just recommending them but also explaining in a transparent and simple manner how each recommended add-on can benefit you. Our goal is to ensure that you select and combine the right add-ons with Bharti AXA’s comprehensive car insurance so that you have full protection at the time of a claim. Whether it’s coverage for fender benders, keeping your ‘No claims bonus’ intact, protection for your engine from water ingress or maybe just tow-away assistance, we have it all.
With the help of our customized recommendations you can choose from a host of add-ons designed to protect you in practically all kind of situations you may encounter.
Over and above the advantages of our comprehensive motor insurance offering all customers enjoy the benefits of our large cashless network of over 2300 garages pan India irrespective of the plan opted for. In addition we also offer 24x7 claims assistance, an easy claim settlement process and a No Claims Bonus (NCB) up to 50% on car insurance renewal from Bharti AXA GI or any other insurance provider.
After a quick description of our Basic insurance cover given is a list of some commonly used motor insurance add-ons most of our customers benefit from.

Basic Insurance Cover

Cover includes comprehensive car insurance

  • by fire explosion self-ignition or lightning
  • by burglary housebreaking or theft
  • by riot and strike
  • by earthquake (fire and shock damage)
  • by flood typhoon hurricane storm tempest inundation cyclone hailstorm frost
  • by accidental external means
  • by malicious act
  • by terrorist activity
  • whilst in transit by road rail inland-waterway lift elevator or air
  • By landslide rockslid.

Third Party Liability (if some third party files a claim against you for injury or damage to their car or property)

Personal Accident cover for the driver offering a compensation of up to Rs. 2 lakhs in the event of death/permanent total disablement arising from car accident

Our Add-ons

Depreciation cover
Typically under standard comprehensive motor policy, in case of a claim, the insured receives an amount that is subject to depreciation. He/she therefore receives an amount lower than the actual repair expense. With Depreciation cover the insured receives the depreciation amount deducted on the value of the parts replaced. This is applicable for up to 2 admissible claims.

Hydrostatic Lock Cover
Driving or even parking your vehicle in a water-logged area can expose it to the risk of water entering its engine. In such a situation in case you even turn on the ignition key you can cause massive engine damage. Further, your insurance company is likely to consider this damage as a consequential loss and will not cover it. Hydrostatic lock cover covers damage to the engine on account of water entering it and is particularly useful in areas of high rainfall and frequent flooding.

No Claims Bonus Protector
You get a No-Claim Bonus (NCB) for every claim free year. This NCB slab increases for every claim free year and can go up to 50%. One single claim reduces your NCB to zero. NCB protector cover protects your NCB up to two claims during your policy period. It is particularly recommended for NCB accumulation of over 25%.

Roadside Assistance
A vehicle break down in the middle of nowhere can be very traumatic. Finding tow-away or a mechanic to help can be an exhausting ordeal. Roadside assistance cover provides assistance for on road repair relating to minor breakdowns, towing your car to the nearest garage, changing of a flat tyre, replacing lost keys and arranging for emergency fuel.

Key Features of Depreciation Cover

100% repayment on the depreciated parts at the time of claim settlement

Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts.

Vehicle is not more than 5 years old from the date of purchase (i.e. month and year of manufacturing).

The company shall pay the Depreciation amount deducted on the value of the parts replaced for upto 2 admissible claims * under Section I of the policy.

Inclusions

Loss or damage to the insured vehicle due to:

  • Fire/Earthquake/Flood/Cyclone
  • Accident/Terrorism/Riots/Strikes
  • Accident by external means
  • Transit by road, rail, inland waterways, air or lift

Personal Accident Cover for Owner-Driver
Compensation for death or death sustained by the owner or driver of the insured car due to a violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the car.

Third Party Bodily Injury Liability
Bharti AXA General Insurance will take care of the compensation for damages or liability that causes bodily injury or death to another person following a car accident.

Property Damage Liability
Compensation for damage or liability to other's property will be taken care of by Bharti AXA General Insurance, subject to the limits mentioned in the policy.

Exclusions

Common wear and tear of the vehicle

Loss or damage due to depreciation of vehicle

Electrical & mechanical breakdown

Loss or damage due to depreciation of vehicle

Loss or damage incurred outside the geographical area of India

Loss or damage caused when driving under intoxication

Loss or damage caused by an unauthorized person without a valid driving license

Loss or damage due to nuclear risks

Vehicle being used otherwise than in accordance with restrictions as to use

2-Wheeler Insurance Plan 2-Wheeler Insurance Plan

Let go of all concerns of liability, theft and accident and enjoy an untroubled worry free ride with Bharti AXA GI’s Two Wheeler Insurance. Our product gives you access to a vast pan India cashless network constituting over 2,000 garages. Enjoy benefits of 24x7 claims assistance and the convenience of hassle free claim settlement process.
Get a No Claims Bonus (NCB) of up to 50% on your two wheeler insurance renewal even if it’s from another insurance provider. So wait no more and pick from two tailored options to fulfil your two wheeler insurance requirements now!

Basic Insurance Cover

Provides comprehensive two wheeler insurance( covers you when your bike sustains damage due to an accident, fire or is stolen,)

Third Party Liability (Kicks in case of a claim against you for injury or damage to third party person(s), vehicle or property)

Get additional discounts on your online two wheeler insurance premium with Voluntary Deductible.

Basic Insurance Cover + Personal Accident Cover

All benefits of Basic Insurance Cover

Personal Accident Cover for both passengers of the two wheeler (rider and pillion rider) that provides a compensation of Rs. 1 lakh per rider in the event of death/permanent total disablement arising from two wheeler accident

Inclusions

Your bike insurance policy would cover the following:

Loss or damage to the insured vehicle due to :

  • Fire/Earthquake/Flood/Cyclone
  • Accident/Terrorism/Riots/Strikes
  • Accident by external means
  • Transit by road, rail, inland waterways, air or lift

Personal Accident Cover for Owner-Driver
Compensation for death injury/death sustained by the owner-driver of the insured car caused due to violent, accidental, external and visible means while travelling in the vehicle or during mounting into/dismounting from the car.

Third Party Bodily Injury Liability
Compensation for damage or liability causing bodily injury or death to another person will be taken care of by Bharti AXA General Insurance.

Property Damage Liability
Compensation for damage or liability to other's property will be as per legal proceedings, subject to the limits mentioned in the policy.

Exclusions

Your bike insurance policy excludes:

Common wear and tear of the vehicle

Loss or damage due to depreciation of vehicle

Electrical & mechanical breakdown

Loss or damage incurred outside the geographical area of India

Loss or damage caused when driving under intoxication

Loss or damage caused by an unauthorized person without a valid driving license

Loss or damage due to nuclear risks

Vehicle being used otherwise than in accordance with restrictions as to use