Bharti AXA Car Insurance: Bharti AXA Car Insurance is one of the leading brands in India’s automobile and two-wheeler insurance industry due to its impressive claim resolution ratio and extensive contactless garage network. Bharti Enterprises and AXA, an established market leader in financial protection, have formed this joint venture.
The company offers comprehensive car and two-wheeler policies that provide comprehensive protection to policyholders and their passengers, including third-party liability coverage that will compensate in the event of bodily injury, death, or damage to third-party vehicles or property damage; it also covers repair/replacement costs for damaged cars and personal accident coverage, among many other options available to policyholders.
Disclaimer:: This is just an informational blog and has No Relation Bharti Axa. NOTE: Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comBharti AXA, auto insurance policies are an excellent option for any vehicle owner, as they defend your vehicle against financial loss in the event of an accident or theft, and the company’s 24×7 customer service makes filing claims simpler, faster and less cumbersome than ever before. Moreover, cashless maintenance options at over 2,500 facilities make servicing even easier; renewal comes with up to 50% No Claim Bonuses – ideal protection!
The Pay As You Drive auto insurance product from Bharti AXA is ideal for customers who drive less frequently, allowing them to pay a reduced premium and save money over time. Visit their website to learn more about Bharti AXA’s car and two-wheeler insurance discounts for installing security devices and meeting other criteria.
The primary company, Bharti AXA General Insurance Company Ltd, is a partnership between Bharti Enterprises, a prominent Indian conglomerate, and AXA, a leading international provider of financial protection. This ambitious corporation began operations in India in August 2008 and currently has 59 branches nationwide. Bharti AXA General Insurance Company Ltd is India’s first general insurance company to receive both ISO 9001:2008 and ISO 27001:2005 certifications within the first year of operations (2009). Bharti AXA General Insurance Company Ltd, one of India’s prominent insurers, offers the full spectrum of insurance products.
The Bharti AXA General Insurance Company offers three distinct kinds of auto insurance policies. These include:
The Bharti AXA Third Party four-wheeler insurance plan protects the beneficiary against third-party legal liabilities resulting from an accident involving the insured vehicle. It covers the vehicle proprietor from third-party property damage, bodily injury, and mortality. Under this plan, the liability for third-party property is limited to Rs. 7.50 lakh, while the liability for third-party death/injury is unlimited. The third-party liability plan also provides personal catastrophe coverage of Rs. 15 lakh for the owner-driver of the insured vehicle. This coverage is required for all car owners in India but does not cover damage to the insured vehicle.
Disclaimer:: This is just an informational blog and has No Relation Bharti Axa. NOTE: Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comThe Stand-Alone Own Damage plan protects the policyholder against damage to the insured vehicle resulting from road accidents, theft, fire, natural and man-made disasters, etc. This plan does not cover third-party liability and is only available if you already have active third-party four-wheeler insurance. This plan also provides personal catastrophe coverage for the vehicle’s owner-driver. The Stand-Alone Own Damage Policy is optional but may be purchased if the policyholder desires to extend coverage to the insured car.
The Bharti AXA Private Car Package policy protects the insured vehicle against damages caused by road accidents, larceny, fire, natural disasters, etc. This plan also includes coverage for third-party accidental liabilities, such as third-party property damage and injury/death caused by the insured vehicle. In addition, it provides Rs.15 lakhs in personal accident coverage to the owner-driver of the insured vehicle. The private automobile package policy is not required but is recommended because it allows for broader coverage. Additionally, this plan can be enhanced by purchasing additional coverage for an additional fee. In addition to these plans, Bharti AXA General Insurance Company offers a package policy for new vehicles. This singular insurance plan includes a three-year third-party and one-year own-damage coverage.
With Bharti Axa, purchasing a new plan or renewing an existing one is straightforward.
Allows you to receive the NCB discount and safeguard your accumulated NCB even if you file two claims during the policy period.
Provides reimbursement for repairing or replacing engine components damaged by rain or flooding. Only available when the vehicle is less than five years old.
When isolated on the road due to a car failure, assistance is available with a single phone call at any time. Includes repairs, towing, tire replacement, and emergency refueling.
Coverage of 1 lakh rupees in the event of death, injury, or permanent/total disability for co-passengers.
Reimburses all costs associated with consumables (nuts, bolts, lubricant) that are unusable.
Reimburses you for the cost of replacing a lost or stolen car lock or key—up to two claims during the policy’s duration.
Covers expenses incurred when your vehicle breaks down due to engine and gearbox internal components.
Prevents depreciation on repair/replacement costs for fiber, glass, elastomer, and plastic components.
Covers the cost of ambulance transportation for the insured.
Accident patients receive 1,000 rupees daily for up to 30 days of hospitalization. It also covers up to 10,000 rupees in medical expenses for injured owner-drivers and co-passengers.
Permits you to obtain the invoice amount, registration fees, road tax, and insurance (during claim settlement).
Disclaimer:: This is just an informational blog and has No Relation Bharti Axa. NOTE: Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comThe auto insurance premium for new cars is based on the car’s age, personal or commercial use, gasoline type, IDV, cubic capacity, car’s registration area, accumulated no-claims bonus (if applicable), owner-driver’s information, and optional deductibles.
The premium for older vehicles is based on current policy details, claim history, and (if applicable) previous proprietor information.
Knowing the IDV (a lower IDV often results in a lower premium), claiming the no-claim incentive, and increasing the voluntary deductible (the higher the voluntary deductible, the lower the premium) are common ways to save on premiums.
Online insurance comparison portals enable car proprietors and prospective purchasers to select the ideal coverage by examining all available policies and plans. With a few keystrokes, these user-friendly platforms enable you to make informed decisions, compare quotes and premium amounts, and simplify and expedite the process of purchasing suitable auto insurance.
When it comes to offering auto insurance policies, Bharti AXA has established a number of criteria to prevent future complications. To complete an application, the insurer may request the following documents.
Individuals are responsible for vehicle registration. Produce the registration certificate from the Regional Transport Office.
The bicycle must be roadworthy, and a fitness certificate may be required in certain instances. This primarily applies when the car is older than ten years.
In India, it is illegal to operate a motor vehicle without a valid license, and in some instances, insurers conduct a license check.
Bharti AXA may physically inspect a motorcycle whose two-wheeler insurance has expired.
The insurer may request additional documentation depending on whether the insurance registration is for a brand-new policy or a renewal of an existing/lapsed policy.
It is no longer necessary to visit the office of an insurance company to purchase a policy. Following a few simple steps, purchasing auto insurance policies online is now possible.
Bharti AXA auto insurance policyholders are always advised to renew their policies before the expiration of their current coverage. This ensures no lapse in coverage, and the No-Claim Bonus and applicable discounts are also maintained.
Bharti AXA makes it extremely convenient for policyholders to instantaneously renew their auto insurance policies using minimal information on their web portal.
In the event of an accident, you can file either a cashless claim or a reimbursement claim. The claim settlement process varies between the two.
The following stages comprise the prepaid claim procedure:
The procedures involved in submitting a reimbursement claim are as follows:
Disclaimer:: This is just an informational blog and has No Relation Bharti Axa. NOTE: Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comAccording to India’s motor laws, car proprietors must have a valid auto insurance policy. However, carrying a tangible copy of your auto insurance policy is always optional. You can easily transfer the Bharti AXA auto insurance policy to your device and present the electronic copy whenever necessary. Therefore, it is optional to transport the original or tangible copy of your auto insurance policy if you have the electronic document. However, always carry the electronic copy of the policy with you while driving. Lacking a valid auto insurance policy can result in significant traffic penalties.
If you received your Bharti AXA auto insurance policy with incorrect or misleading information, be sure to correct it as soon as feasible. Since your auto insurance policy is legal, false information could result in claim denials and legal complications. To adjust your Bharti AXA four-wheeler insurance policy, you can contact customer service and request that they correct the error.
Hamid is author at BhartiAxagi. He is writing since 2020. He is preparing for Banks exams and has keen interest in knowing Finance news and latest information. View all posts
