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)

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*

*Subject to depreciation as per India Motor Tariff

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
• Third party property damage – up to Rs.750,000/-
• All costs and expenses incurred with the Company’s written consent

• 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.

Here's what you should do to get your SmartDrive Two-Wheeler 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.