All You Need to Know About Bharti AXA Car Insurance Plan

Bharti AXA General Insurance Company Ltd was established in 2008. It became India's first insurance firm to achieve twin ISO certifications in 2009, during its first year of operation. It has supplied creative and comprehensive insurance solutions since its inception, making it one of the leading general insurance organizations. Bharti AXA General Insurance provides comprehensive car insurance coverage and other four-wheeler insurance variants. Each of these variants comes with various benefits for policyholders. However, given the maximum protection offered under comprehensive car insurance, one is advised to buy the same. Bharti AXA would provide car insurance quotes online for the details you share with the company. Details such as the age of the car, location of vehicle registration, engine number, etc., help Bharti AXA determine the same for you.

Benefits of Buying Car Insurance from Bharti AXA

Various features distinguish Bharti AXA's car insurance products. The following are the major components of their car insurance coverage:

1. If the automobile gets stolen or damaged due to an accident, natural or man-made disaster, this insurance will protect you from financial losses arising from these.
2. Cashless servicing is available at 3500+ authorized network garages in India.
3. Customers can buy the insurance policy online from the comfort of their own homes.
4. Personal injury insurance provides compensation of up to INR 15 lakh in case of any major accident.
5. There are two and three-year long-term vehicle insurance packages available.
6. You can obtain a premium discount with a no-claim bonus.
7. Policyholders can renew their insurance conveniently online.

You can obtain car insurance quotes online on the Bharti AXA website.

Bharti AXA Car Insurance Plans 

Bharti AXA Car Insurance is available as third-party liability coverage or a comprehensive policy. Here are the specifics.

Car Insurance from Bharti AXA Plans for Only Third-party Liability

Bharti AXA Third-party car insurance protects you against incidents that cause property damage or harm to others. The policy covers pedestrians, drivers, or passengers in the other vehicle and property damage. The prices for the third-party liability coverage are set by the Insurance Regulatory and Development Authority of India (IRDAI). A recent modification to the Motor Vehicle Act requires new cars to have three years of third-party liability insurance.

Comprehensive Insurance Plans from Bharti AXA Car Insurance

Bharti AXA Comprehensive car insurance provides all-around protection for the policyholder, their vehicle, and any third-party obligations. It covers third-party liability coverage and protection against natural disasters such as floods, landslides, and storms. It also includes man-made disasters such as strikes, riots, and theft. The policy provides the insured with a personal accident cover of around INR 15 lakh.

Coverage by Bharti AXA Car Insurance

Circumstances covered by Bharti AXA General Insurance are mentioned below-

Natural Disaster Protection

The car insurance policy covers the vehicle extensively in the event of uncontrollable natural disasters such as earthquakes, floods, cyclones, tsunamis, hurricanes, etc.

Coverage for Damages Caused by Humans

Bharti AXA General Insurance covers all man-made disasters, such as fire, strikes, and terrorism. 

Road Accident Insurance

Even if you are a cautious driver, you can never guess when another vehicle on the road will collide with you. Bharti AXA car insurance policy includes traffic accident coverage to protect you and your vehicle on the road.

Read more -What To Do After a Car Accident: A Step By Step Guide

Third-party Insurance and Professional Liability Insurance

Suppose the owner or driver of the vehicle covered by this insurance is injured or killed by your vehicle. In that case, Bharti AXA General Insurance provides coverage for third-party liability compensation of up to INR 7.5 lakh and personal accident cover of up to INR 15 lakh.

Add-on Coverage

Bharti AXA Car Insurance Plans provide add-on coverage.

When you renew your Bharti AXA Car Insurance policy, you gain access to several other benefits, including policy add-ons. Though they come at an additional cost, they can significantly boost the effectiveness of your Bharti AXA Car Insurance coverage. Here are the Bharti AXA car insurance add-ons available to you.

Zero Depreciation

It ensures a 100% refund on items replaced i.e tyre, plastic, airbag, battery, fibreglass, and nylon repair costs. Depreciation is paid in the amount of the amount deducted on parts replaced during the first two years of claims. Zero depreciation car insurance cover applies to vehicles aged up to five years from the registration date.

Consumable Protection

Car insurance companies do not consider consumable expenses while processing claims. The consumable cover eliminates the need to pay for consumables when filing a claim. The add-on covers the costs of engine oil, lubricants, bearings, screws, oil filters, brake oil, and other such items. This coverage does not apply to vehicles older than five years.

Hydrostatic Protection

Some areas are particularly vulnerable to flooding, high rainfall, and cyclones. If you find yourself in such a situation, this cover will be helpful. If water enters the engine, you're looking at a costly repair bill. The hydrostatic cover will ensure that any damages are appropriately addressed. The coverage is only valid until the car is five years old.

Cover for the Engine and Gearbox

Any engine or gearbox failure can result in costly repairs. Having the engine and gearbox add-on protects you financially from such accidents. If there is any water penetration into the engine or a loss of oils or lubricants in the engine or gearbox, the add-on will cover the financial loss arising due to the same.

Conclusion

Bharti AXA General Insurance offers a variety of perks. It takes a lot of effort to obtain car insurance. And also, consider the car insurance quotes online before finalizing the policy choice.

Read more-

• Different Types of Car Insurance Policies and Add-on Covers
• Advantages of Buying Car Insurance Online