Steer towards safety with SmartDrive, Bharti AXA’s private car insurance policy. Your vehicle is fully road-ready only when you have insured it against loss or damage. Opt for a policy which is reliable and most easily available.
Simple, yet comprehensive; this defines Bharti AXA's SmartDrive Private Car Insurance Policy. It provides protection for loss or damage to your car arising out of any unfortunate eventuality. It further provides cover for liability, death or property damage of third parties. The Policy covers your motor vehicle used for social, pleasure and domestic purposes as well as professional purposes.
What does the Policy cover?
This policy provides the following covers
1.Accidental damage to the vehicle due to:
- Fire, lightning, self-ignition, external explosion, burglary, housebreaking or theft, malicious act.
- Riot and strike; terrorism; earthquake; flood, cyclone and inundation
- Whilst in transit by rail, road, air, elevator, lift.
2.Liability cover for:
- Third party injury or death
- Third party property damage caused to their property.
By paying an additional premium, you can opt for extra covers in case of:
- Loss or damage to electrical accessories
- Loss or damage to Non-electrical accessories
- Personal Accident cover for insured or any named person or unnamed passengers
- Legal liability to persons employees (paid drivers/cleaners)
- Legal Liability to employees of the insured (other than paid drivers/cleaners)
What is payable in the event of a claim under a policy?
In the event of a claim under any of the sections, the following becomes payable:
1.Accidental Damage Section:
- Actual amount spent for repairs / replacement as assessed subject to Sum Insured
- Garaging and towing charges up to a maximum of Rs.1500/-
- Damage to tyres. (along with damage to vehicle)*
- Damage to plastic / rubber parts*
- Damage to all fibre glass components*
- Damage to all parts made of glass
2.Liability Section:
- Compulsory personal accident compensation for owner driver
- Personal Accident compensation for paid-driver, if opted
- Death or bodily injury to third parties – as per Motor Vehicles Act
- Death or bodily injury to any person carried in the car provided they are not Insured’s employees and not carried for hire or reward – As per Motor Vehicles Act
- Third party property damage – up to Rs.750,000/-
- All costs and expenses incurred with the Company’s written consent
What is not payable in the event of a claim under a policy?
- Wear and tear, breakdowns.
- Consequential loss
- Loss when driving with invalid driving license or under the influence of alcohol.
- Loss due to war, civil war, etc.
- Claims arising out of contractual liability.
- Use of vehicle otherwise than in accordance with `limitations as to use ' (e.g. private car being used as a taxi)
- War perils, nuclear perils
- Mechanical and electrical breakdown; failure or breakage.
This is not an exhaustive list. For a detailed list of exclusions, please read our policy terms and conditions.
Product Variants
This Policy is available as:
- Act Only Policy
- Package (Comprehensive) Policy
- Package (Fire, Theft and Act only) Policy
- Package (Fire and Act only) Policy
- Package (Theft and Act only) Policy
*Subject to depreciation as per India Motor Tariff
Here's what you should do to get your SmartDrive - Private Car Insurance Insurance Policy:
- Read the prospectus carefully
- Fill in the proposal form in all respects and kindly do not leave any blanks
- For any clarification, feel free to call the nearest branch office or our customer care number
- Please pay the premium preferably by way of a/c payee cheque or DD
For further sales related query, please contact us on sales@bharti-axagi.co.in mentioning your insurance requirement and city of residence.
NOTE: This literature only spells out the salient features of the cover. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale or visit your nearest Bharti AXA General Insurance Co. ltd office.
Download Proposal form