Car Insurance

  1. Loss or damage due to:
    • Accident, burglary or theft
    • Riot and strike
    • Fire explosion self-ignition or lightning
    • Natural Calamities
    • Transit by road, rail, inland waterways, air or lift
  2. Personal Accident cover for owner/driver of the car. Death benefit of Rs.2 lakhs for the owner/driver in case of accidental death. Third party bodily injury liability covers penalty to be given to victim. It covers the injury or death of the person hit by you.
  3. Property damage liability
    Covers penalty you need to pay in case of damage to the properties due to the accident caused by you up to the limits as specified in the policy.

Loss or damage to the car is not included under following conditions

  1. Normal wear and tear
  2. Depreciation of the car is not covered
  3. Electrical & mechanical failure
  4. If you drive the car outside India
  5. If you are driving under the influence of alcohol or drugs
  6. If the person driving doesn’t have valid driving license
  7. Nuclear risks
  8. If you use Vehicle for other purposes. Ex: If the private vehicle is used as Taxi

These inclusions and exclusions is for Bharti AXA private car insurance plan. Please read the policy wordings - Opens in a new window (PDF ,166 KB) to view the complete list.

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