Bharti AXA Standalone Own Damage Car Insurance

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Availing of car insurance is a mandatory step that all vehicle owners need to take. Under the Motor Vehicles Act, it is compulsory to purchase insurance as well as it also serves as a financial cushion in case of the eventuality. Standalone car insurance refers to the insurance policy that specifically provides the insurance cover for the damages and losses of the car owner. 

Bharti AXA insurance policy is recently acquired by ICICI Lombard General Insurance. Under this, customers can avail of 50 different types of insurance for various products. Bharti AXA car insurance policy has three different main types from which customers can choose the one that is suitable to their needs. The specifications of the Bharti AXA car insurance policy are that you can opt to purchase additional covers to customize your policy furthermore. The claim settlement ratio of the Bharti AXA is also high so that customers need not have to hold back for a longer period to get the insurance money. 

Bharti AXA Standalone Car Insurance vs. Third Party Car Insurance vs. Comprehensive Car Insurance 

Bharti AXA car insurance policy comes in mainly three different types. You can choose the one that meets your needs the most. Following are the types of Bharti AXA car insurance policies and the difference between them: 

BasisBharti AXA Third Party InsuranceBharti AXA Standalone Own-DamageBharti AXA Comprehensive Insurance
CoverageThird-party liability insurance from Bharti AXA covers solely third-party liabilities such as third-party injury, death, and property damage.Own-damage insurance from Bharti AXA covers own-damages in a variety of situations.The complete insurance policy from Bharti AXA provides all-around coverage for your vehicle. Under a single premium, it covers both own-damage costs and third-party liabilities.
Add-onsAdd-on coverage is not available with Bharti AXA third-party car insurance.Bharti AXA standalone own-damage car insurance provides clients with a variety of add-on benefits.Bharti AXA comprehensive insurance policies offer a variety of add-on coverage options to their policyholders.
CostBharti AXA's third-party insurance for cars is the most basic and thus the most affordable.Bharti AXA's standalone own-damage insurance provides more coverage than third-party insurance and is therefore more expensive.The comprehensive automobile insurance from Bharti AXA is the most expensive of the three because it includes both, own-damage and third-party liability charges in its price.

What All is Covered Under Bharti AXA Standalone Car Insurance?

Bharti AXA car insurance policy covers following situations:

  • Natural calamity

Damages caused by natural calamities such as floods, cyclones, earthquakes, and others are covered under the Bharti AXA car insurance policy.

  • Manmade calamity

All the manmade calamities such as acts of vandalism or the damages caused by anti-social elements in society are covered under the Bharti AXA standalone car insurance policy.

  • Third-party damages

Any damage caused by the third party to you or your vehicle, whether voluntary or involuntary, is covered in the base insurance policy.

  • In transit damages

Any type of damage incurred while the vehicle is in the mode of transit is covered under the insurance policy. This includes transit by road, rail, air, and water. 

  • Accidental damage

Physical damage or vehicular damage incurred during the accident caused by your own negligence is also covered under the Bharti AXA car insurance policy.

  • Terrorism

If your car suffers damages in the act of terrorism, the losses are weighed in by the insurer under the base insurance policy. 

  • Theft

Car theft or damage inflicted on the car while home breaking, burglary, or theft are all covered under the Bharti AXA car insurance policy

  • Fire

Fire or arson, whether it was an act of vandalism or it was a natural or involuntary fire, if your vehicle suffers any damage as a result of it. Then it is covered under the insurance policy. 

What is not included Under Bharti AXA Standalone Car Insurance?

Bharti AXA car insurance policy does not provide protection to the following types of damages:

  • Outside geographical area

If the accident or the damage has occurred outside the geographical area of your residence, then it is not covered under the Bharti AXA car insurance policy.

  • Contractual liability:

If the claims are made by policyholders that are not mentioned under the contract, then those insurance claims are not fulfilled.

  • Invalid driving licence

If the accident occurred during the vehicle owner was driving with an invalid or expired driving licence, then those damages are not covered under the insurance. 

  • War and other related acts

If you are in a war-prone area or in the area where the government has specifically asked you not to visit, then the damages incurred there are not borne by the insurer. 

  • Driving under the influence

If you were under the influence of the intoxicants when the accident occurred, then the damages are not covered by the insurer.

  • Commercial activities

If you own a private vehicle driver's licence and use the vehicle for commercial purposes, then the financial cover is not extended to the damages that are incurred during that period. 

  • Deprecation

Bharti AXA car insurance policy does not cover the depreciation or the wear and tear caused to the car after continuous use. 

Bharti AXA Standalone Car Insurance Benefits

Following are the benefits that you avail yourself when you purchase the Bharti AXA car insurance policy: 

  • Bharati AXA has excellent customer service with whom you can get in touch 24/7.
  • Claim placing and settlement procedure is extremely easy.
  • You can purchase a Bharti AXA car insurance policy online.
  • Bharti AXA car insurance policy has a wide network of garages spread throughout the country.

Bharti AXA Standalone Car Insurance FAQs

  • 1. What is an add-on cover in a standalone car insurance policy?

    Add-on cover is the extra protection that you can get along with your insurance without having to purchase the additional insurance policy. 

     

  • 2. Is police FIR mandatory to claim Bharti AXA standalone car insurance policy?

    Yes, Police FIR is mandatory while putting a claim for Bharti AXA standalone car insurance policy. 

     

  • 3. Can I pay my Bharti AXA standalone car insurance policy premiums in installments?

    No, you can’t pay Bharti AXA car insurance policy premiums in installments.. 

     

  • 4. When can I renew my standalone car insurance policy?

    You can renew your insurance before the due date of expiry.

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