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Car Insurance Add-On Covers

Zero Depreciation Cover

Depreciation Cover

Every year value of your car depreciates (value reduces with time). So at the time of claim, you only get the reduced value of the car. At the time of a settlement, the claim amount is reduced due to depreciation. This results in a great reduction of the claim, which eventually has to be paid from your pocket despite the insurance. Depreciation cover helps avoid this. With this add-on cover, you get the full amount without factoring the depreciation amount.

Car Insurance is a statutory requirement today. Plying a car without proper Car Insurance invites punishments as it is an offence according to Motor Vehicle Act. And with the right level and right kind of insurance Cover it provides financial compensation for unforeseen mishaps related to your vehicle. The coverage provided is valid for accidents or vehicle theft, natural disasters, man-made disasters and for various other issues such as breakdowns, depreciation and more. Based on your requirement, you can select Add-On covers to protect your vehicle with; one of them being the Zero Depreciation Cover.

What is a Zero Depreciation Cover for Car Insurance?

When it comes to Car Insurance, people usually prefer to take the Comprehensive Insurance Plan which covers the vehicle, the owner and any Third-Parties. To protect the value of your car which depreciates over time, you will need to have a Zero Depreciation Cover. This protects you from incurring additional financial expenses because of depreciation. It enables you to claim without deducting any depreciation on certain materials. In case of an accident, the complete cost will be covered by the insurance company without considering the depreciation cost of parts. You get the maximum reimbursement for your claims. To put it simply, Zero Depreciation Cover offers complete Coverage without factoring in depreciation.

How Depreciation Works in Standard Car Insurance Cover?

If you check out the comprehensive plan of a standard Car Insurance, you will know there is a huge amount of depreciation that is deducted at the time of claim.

The Insurance Regulatory and Development Authority of India (IRDA) has established the following systems for calculating the depreciation value:

  • On nylon, rubber, and batteries- 50% depreciation shall be deducted
  • On wooden parts- depreciation shall be deducted depending upon the age of the car (like 5% in the first year, 10% in the next and so on),
  • On fiber glass components- 30% depreciation shall be deducted.

The duration on how the depreciation value is calculated is listed below:

  • 0% for the first six months
  • 5% for the first year (over 6 months to 1 year)
  • 10% for the second year and so on

When you make a claim with the general car insurance policy, the insurance company reimburses according to depreciated vale of the car parts considering the above points. This is irrespective of the actual cost. If you have a new car, even a small damage can turn out to be expensive. A Zero Depreciation Cover will prove to be financially prudent in the long run.

Benefits of Zero Depreciation Cover Over Standard Cover?

A standard insurance Cover plan does not provide Zero Depreciation. Whereas the Zero Depreciation Cover delivers full settlement Coverage. Here, depreciation won’t play any role however old your car may be. It just costs 15-20% of the standard Cover.

The difference between the two across various parameters is detailed below:




Claim Settlement

Offers settlement Coverage without accounting for depreciation.

Claim amount is based on the current value of the vehicle, considering the depreciation.

Insurance Premium



Cost of Plastic Fiber and repairing

Insurer bears the maximal amount

Policy Holder should pay more from his/her pocket

Age of the Car

Usually Covers New Cars up to 5 years.

Can be availed for a car which is more than 3 years old.


What Factors Affect the Zero Depreciation Premiums?

  • Age of the car
  • Model of the car
  • Location from which you are registering your policy

Why Opt for Bharti AXA Zero Depreciation Cover?

  • Beneficial for cars less than 5 years old
  • 100% claim on depreciated parts during settlement
  • Valid for 2 claims during the policy period
  • Repair cost of durable parts like airbags, batteries, tyres, nylon is covered.

Many believe Zero Depreciation Cover is more for new drivers. However, even the best trained and experienced drivers can face an unforeseen event. Hence, Zero Depreciation Cover as Add-On Cover with your standard Car Insurance Plan is recommended for all car owners with cars less than 5 years old.

Key Features of a Zero Depreciation Cover:

  • Beneficial for a vehicle less than 5 years old.
  • 100% repayment on depreciated parts during settlement.
  • Repair costs of durables like tyres, batteries, airbags, nylon, etc. covered.
  • Valid for 2 claims during the policy period.

    Depreciation Cover

Hydrostatic Lock Cover

Hydrostatic Lock Cover

Unforeseen natural calamities can cause several problems to your car. Problems you face due to natural forces can prove to be costly at times, especially if your vehicle is not protected by a good Car Insurance Policy. An Insurance Policy helps not only during natural disasters such as earthquakes, floods and cyclones, but also during vehicle breakdowns and medical emergency following an accident. 

Select the perfect Insurance Plan for your vehicle and make sure to also consider any Add-Ons that you need for added protection. One such Add-On Cover that is recommended for areas which experience floods is the Hydrostatic Lock Cover. Read on to know more about the Add-On Cover:

What is a Hydrostatic Lock Cover?

A Hydrostatic Lock is basically a condition when the engine of your vehicle gets locked due to water seeping in. This results in your car not starting or stalling when you are moving. A hydrostatic lock happens when your vehicle is moving through a flooded area or is parked in any area prone to floods. A Hydrostatic Lock Cover protects you in case your car experiences a Hydrostatic Lock.

Parts that get damaged in hydrostatic lock

Although there is not any predefined process which results in this condition, we do have an overview of what exactly happens during a hydrostatic lock condition. Whenever you drive your vehicle through a place which is flooded or inundated, water can easily enter the engine through the intake valve and replace the fuel present inside the engine for combustion. This inhibits ignition, which is required for the proper functioning of the engine. Hence, the engine gets locked and the vehicle cannot start.

Is Hydrostatic Lock Covered under Car Insurance?

Neither the Comprehensive nor the Third-Party insurance cover Hydrostatic Locks by themselves. You need to purchase an Add-On Cover to protect against the same. Bharti AXA offers Hydrostatic Lock Cover and many other Add-On Covers along with their Car Insurance Plans.

Why do you need a Hydrostatic Lock Cover?

Hydrostatic Lock is a common condition especially in heavy rainfall and water-logged areas. This event cannot be prevented as natural calamities are certainly not in our control.

Why Bharti AXA Car insurance add-on is a smart choice?

Car Insurance from Bharti AXA has many benefits. Not only do you get 24x7 assistance, the company also has 2500+ cashless partner garages where you can get your car repaired. Here are some other benefits of Car Insurance from Bharti AXA:

  • It provides replacement or repairs of the parts that get damaged due to any damage by water.
  • The repair or replacement can be done in almost any garage or the service centre that Bharti AXA has tie-up with all over India.
  • In case of loss of any engine part due to hydrostatic lock, the value of the part that is replaced is reimbursed within 15 days.

So, a hydrostatic cover should be added to your car insurance policy by Bharti AXA. It will ensure savings in the long run.

Hydrostatic Lock Cover

No Claim Bonus Protector

A claim free year can give you up to 50% discount on the renewal premium due to the ‘No Claim Bonus’. No Claim Bonus Protector

The percentage can get reduced to 0% because of a single claim.
This add-on cover helps you retain the same ‘No Claim Bonus’ even after 2 claims in the policy period. 

ar Insurance is a mandatory legal requirement. In addition to that, having a good policy can prove to be vital for protecting your vehicle in case of accidents, theft, natural calamities and more. Before you purchase any Insurance Cover, it is important to know the terms & conditions of the same and also the inclusions and exclusions of the policy. Based on this knowledge and your requirements, you can select any Add-On Covers for your vehicle. One such Add-On Cover is the No Claim Bonus Protector.

What is a No-Claim Bonus Protector?

In a typical Insurance Policy, once you make even a single claim, your No-Claim Bonus expires. This means you can only get a No-Claim Bonus discount if you do not make any insurance claims on your policy and even a small claim can cancel this Bonus. What a No-Claim Bonus Protector does is protect your NCB in case of claims. An NCB Protector Add-On Cover can prove to be useful as it can provide added financial protection at the time of policy renewal. The No-Claim Bonus Protector will protect NCB in case of 2 claims during the stipulated policy period.

The Need for a No-Claim Bonus Protector

When you are buying your first Car Insurance Policy, there is no NCB as you have No-Claim records. But when you opt for the renewal of the policy, you can avail the benefits of NCB, if there are no claims during the policy period. You can efficiently claim a discount of 20% on your first renewal of the Car Insurance Policy. And the discount increases steadily for every renewal with No-Claim in the Policy period.

For 2nd renewal of the policy, you can avail a discount of 25%, for 3rd - 35 %, for 4th - 45% and for 5th renewal - 50%. So, if you are maintaining a good track record of No-Claims during the Policy Period, you can efficiently avail the available discounts with every renewal.

There may be occasions where you cannot control damage to your car and raising an insurance claim can affect your NCB. This is where the No-Claim Bonus Protector will prove to be useful. It will prevent your NCB from being affected.

Transfer of No-Claim Bonus:

The NCB is associated with the Policyholder, not with the car. We have observed that, when the Policyholders buy a new car, they forget about the No-Claim Bonus. Thus they have to pay the entire amount of the renewal premium.

If you have earned an NCB, you can inform the insurance company and can claim your discount on the renewal. If you have availed the No-Claim Bonus (NCB) protector with your Insurance plan, then that will also be transferred to a new insurance company if you transfer your Policy.

So, in case you are planning for a new car, talk to the insurance company and claim the additional discount that you are eligible for thanks to the NCB.

Why Choose Bharti AXA for No-Claim Bonus Protector Cover?

Bharti AXA offers several benefits for its customers. A 24X7 dedicated Customer Service Desk, 79 branches across India and attractive No-Claim Bonus discounts upon renewal. For more information regarding the policies and Add-On Covers offered, you can contact our customer service experts and get all your queries solved in real time.

Invoice Price Cover

Invoice Price CoverOne of our exclusive offerings, this add-on is an essential cover.
In case your car gets stolen or completely damaged, you get the depreciated value of your car under the standard policy.
The value is called Insured Declared Value. If you choose this add-on cover, you get the invoice value of the car along with the registration fees, road tax, and insurance.
Given the vehicle is covered up to 2 years from the date of registration.

Invoice Price Cover

Personal Accident Insurance for the passengers

Personal Accident Insurance for the passengersThe standard insurance policy gives an accident cover of Rs 2 lacs to the owner or driver of the car in case of a fatal accident. This add-on cover goes one step ahead. It provides a Personal Accident Insurance to the fellow passengers of Rs 1 lac in case of death, or permanent partial or total disability. 

Personal Accident Insurance for the passengers

Key Replacement Cover

Key Replacement CoverThere are times when you are urgently leaving for a meeting and are not able to find your car keys. You search high and low only to realize that you have misplaced them. In such situations, it is often not possible to get the keys locally made as cars today have highly secure keys which can only be replaced by the manufacturer.  This also means that you have to spend a considerable amount to get a new key. To avoid a situation like this, it is highly recommended to take a Key Replacement Cover when you buy Car Insurance

Why is Key Replacement Cover important?

Your basic Car Insurance Policy, whether it is Third-Party Liability Cover or Comprehensive Car Insurance Plan, does not include any cover pertaining to keys. Whether they are lost or stolen, you have to request a new one from the manufacturer. You may have to wait for 5-10 days to collect the replacement key. In most cases, you may even need to replace the locks, which is another added expenditure. The more luxurious and high-end the car model is, more expensive the new set of keys will be.

Key Replacement Cover will reimburse the expenses incurred for procuring a new key.

Inclusions of the Key Replacement Cover

This is an Add-On Cover. Its features and cost vary from one insurance company to another. To put it simply, it covers the cost you incur to replace the key if it is lost or stolen. You will also get compensation for replacing the lock if required.

Buying a Key Replacement Cover:

Since this is additional coverage on the standard policy, the cost of cover is over and above the base premium. However, this extra cost is worth all the trouble and expenditure you will have to incur if the keys are lost or stolen.

When you apply for a Car Insurance Policy, you can ask the insurance company to give you a list of Add-On Covers. If there is no such benefit available, it is advisable to switch to the company which provides it.

Bharti AXA provides various types of Add-On Covers, including Key Replacement Cover. The cover includes:

  • Cost of making a new key and
  • expenses incurred in case the lock also needs to be replaced due to loss of keys. It is valid for up to 2 claims during a policy period.
  • The Add-On Cover bears a cost of up to of INR 25,000 per claim.

While the insurance will replace the key, you should also keep them safe. Whenever you buy a car, always make sure you receive two sets of keys. This is because the Insurance Plan will cover only one or two claims. If it is lost or stolen again, you will have to bear the expenses.

Bharti AXA is a reputed Insurance Company in the Indian Market and has sold more than 3.5 million policies till date. The company has a dedicated Customer Service Desk manned by experienced professionals which is available 24x7 to resolve all your queries. For more information and to buy a policy, contact a Bharti AXA representative today!

Medical Expenses

This add-on provides a sum of up to Rs 10,000 for you and the passengers traveling in the car.Medical Expenses Cover
This covers the medical expenses for the treatment of the injured person, in the case of an accident.

Cars today are known to be more than just a utility. They do not just get us from point A to point B but offer a host of other comforts as well. However, vehicles are a part of traffic and they can at times meet with accidents. If such an accident leads to an injury to the driver or other occupants of the car, medical attention is a must. Having a Medical Expenses Add-On Cover to your Car Insurance Policy can prove to be very valuable in such times. This Add-On Cover provides additional benefits in case medical expenses arise from an accident.

What Bharti AXA offers for Medical Expenses Cover

There is a plethora of car insurance plans available in the market. Among the insurance companies, Bharti AXA has distinguished itself with innovative solutions. This has helped the company emerge as a leader that offers claim settlement assistance round the clock to its valued customers. Additionally, Bharti AXA has empaneled many hospitals around the country to form an extensive network. This helps customers access medical help as and when needed in the shortest possible time. It also enables them to avail of medical attention while the claims are settled seamlessly and efficiently. You are assured of Medical Payments Coverage as an add-on benefit with your existing car insurance plan.

Why Medical Expenses Cover is Recommended for You

The Auto Insurance Medical Payment Coverage from Bharti AXA offers payments towards Medical Expenses For you and your co-passengers in the event of injuries caused by a road accident. The amount that can be claimed under medical expenses is rupees ten thousand. Despite multiple road safety campaigns being undertaken, the roads are not always vehicle friendly. As such, having a Medical Expenses Cover can be a valuable financial protection for you.

The medical payments cover offered by Bharti AXA ensures you are compensated for medical expenses incurred because of a road accident. As the owner/driver of your car, you would prefer to secure the lives of your co-passengers. This Car Insurance Add-On Cover provides compensation for Medical Expenses incurred on the treatment of passengers in the unfortunate event of a road accident. It is thus advisable for you to choose an Auto Insurance Medical Payment Coverage that takes care of your medical bills.

Benefits of Choosing Bharti AXA

  • 24x7 Claim Assistance

Our dedicated customer service desk makes sure all your queries are addressed round the clock.

  • 2500+ Cashless Garages

With our wide network of more than 4500+ partner hospitals and 2500+ partner garages which seamlessly process all claims, you can be sure that help will reach you in no time.

  • 3.5 Million Trusted Customers

We have sold more than 3.5 million policies and won 2 awards for excellent performance. This means, we make sure to put a smile on our ever-growing trusted customers.

  • 79 Branches Across India

Bharti AXA has more than 79 branches across India. This means you can easily contact an Insurance Expert and get all your queries answered. You can also contact the branch to buy Insurance, raise a claim and other services that you may need.

Hospital Cash

Hospital Cash CoverAccidents cannot be predicted. At times, even if your vehicle has the best of safety features, someone may get injured. This can be you or any other occupant in the car. This is where having a good Car Insurance Policy proves to be a blessing. The policy can take care of all medical expenses incurred on account of an accident. In addition to that, if you have Add-On Cover over your policy for Hospital Cash, the same will also be provided.

What is Hospital Cash Cover?

A basic Comprehensive Car Insurance Policy will take care of medical expenses such as doctor’s fees, lab tests, medication costs and hospital room rent. In addition to this, there are also some cash expenses such as transportation costs, companion expenses and more that you pay out of pocket. A Hospital Cash Cover takes care of these cash expenses. You can get this Add-On cover at a nominal cost over and above your Car Insurance Policy Premium.

Benefits of Bharti AXA Car Insurance Policy:

Bharti AXA has a countrywide network of partner hospitals and garages which will take care of you and your vehicle. They also have a dedicated 24X7 claim assistance cell to take care of all your insurance related queries and assist in speedy claim settlement. Add-On Covers for Car Insurance such as the Hospital Cash cover prove to be very important and cost saving in the long run. Here are some of the benefits of a Car Insurance Policy from Bharti AXA:

  • Affordable Premiums: At premiums that are pocket-friendly, you can get this added benefit.
  • Tax Benefits: The premiums being tax exempt, you can rest assured that the money is not only well spent  but also serves as savings.
  • Daily Hospitalization Cash Benefit: An amount of money is fixed as a regular benefit to be paid to the Policyholder. This comes in handy when you are unable to work on account of your physical injury.
  • Lump-Sum Payout: This is included as part of Hospital Cash and is paid when the hospitalization is meant for surgeries. The stay in the Intensive Care Unit (ICU) is also covered under this.

Hospital Cash is paid for a period of up to 30 days of hospitalization. This amount is paid to the Policyholder in a lump-sum amount, after calculating a fixed daily amount. This Add-On Cover is therefore recommended by Car Insurance experts. For more information you can contact a Bharti AXA representative or call their dedicated 24X7 Customer Service Center.


Consumables Cover

At the time of claims, usually consumables like oil, nuts, bolts etc. are not covered under the insurance. You can now save on consumables like nut and bolt, screw, washers, etc. when making a claim. This add-on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident or any such event.
Key features:

  • The items covered include <need complete list>
  • Valid for vehicles insured within 5 years from the date of registration.
  • The amount of the parts replaced will be reimbursed within 3 days from the date of loss.

Ambulance Charges Cover

A car accident is a time-sensitive situation and nothing is more important than saving a life. Every minute counts. An ambulance can save the accident victim’s life, especially if they can be taken to the hospital in the ‘Golden Hour’. In medical terms, ‘Golden Hour’ is defined as the first few hours following any traumatic injury during which chances of saving the victim’s life is high with timely medical intervention.

Therefore, the life of the injured person depends on the ambulance being available on time and act as a life-support until the injured reaches the hospital. But ambulance services come at a cost. While money is the last thing on your mind in the critical times like this, it is an important aspect nonetheless. However, you can get reimbursed for this expense if you have taken Ambulance Charges Cover with your car insurance policy.

When you buy a Car Insurance Policy, you can also consider purchasing any of the different Car Insurance Add-On Covers such as Roadside Assistance, Personal Accident Cover for passengers, Hospital Cash, Hydrostatic Lock Cover, Key Replacement Cover, Ambulance Charges Cover and a Cover for Medical Expenses. It is advisable to buy these additional covers because it strengths your safety net while driving. All these Add-On Covers can save you from the financial burden you may have to bear due to an accident. Bharti AXA  offers all these insurance covers along with a Car Insurance Policy.

Factors to Keep in Mind While Buying Ambulance Charges Cover

The Ambulance Charges usually vary between INR 500 and INR 2000, depending on whether the accident victim is to be ferried within the city limits or to an outstation hospital. So, when you buy a policy, it is advisable to go through all relevant clauses, situations and geographical limits under which the Ambulance Charges Cover may be compensated or become void. You should also check the upper limit of cover available to you. Generally, the inclusions and exclusions that are mentioned in your standard car insurance plan are applicable to Ambulance Charges Cover as well.

Registering Claim for Ambulance Charges Cover

When an accident occurs, saving life is of prime importance. However, a bit of presence of mind will ensure that you get reimbursed for all expenses for which you have an insurance coverage. Keep the receipt of ambulance charges with you so that you can submit it for the Insurance Claim.

Benefits of taking an Ambulance Charges Add-On Cover from Bharti AXA

  • You can call an ambulance from any hospital without worrying about its cost
  • 24X7 Customer Assistance for any queries and issues, including for claims
  • Hassle-free claim assistance
  • You can buy Car Insurance Policy and all Add-On Covers, including Ambulance Charges Cover online at Bharti AXA portal.

This Car Insurance Add-On Cover ensures that you, your family or the bystanders coming to your rescue don’t have to spend a single precious minute of life bargaining for the charges of the ambulance. That’s why, Ambulance Charges Cover is a highly recommended Car Insurance Add-On Cover as there is nothing more precious than saving you and your loved ones’ life.

Engine and Gearbox Cover

Cars today are more of a necessity than a luxury. People wish to get from Point A to Point B without having to wait for public transport which at times is not easily available. This is where cars prove to be an effective solution. However, every machine comes with its own set of care and maintenance issues. As time passes, each vehicle undergoes wear and tear. And there can also be damage due to unforeseen circumstances such as accidents, natural disasters and man-made calamities. This is where a good Car Insurance Policy becomes very important. Engine and Gearbox Cover

Depending upon your requirement you can go for a Comprehensive Car Insurance Policy which will offer your car an all-round protection from Theft, Man-made Calamities such as rioting & vandalism, Natural Disasters such as Cyclones, Typhoons, Floods & Earthquakes and even protect you against any Third-Party Liabilities such as injury or death of a Third-Party or damage to any Third-Party Property. The Comprehensive Insurance however will not protect your car from mechanical issues. For this you need to purchase an Add-On Cover: the Engine and Gearbox Cover. This cover protects your car’s engine and transmission in case of damage.

Why do you need an Engine and Gearbox Cover?

In any vehicle, the Engine and the transmission system are used the most and hence subject to most wear and tear. In situations when there is heavy traffic, the gearbox is subject to frequent usage and this will only increase the wear and tear caused to it.  Having an Engine and Gearbox Cover will protect your vehicle and cover the cost of repairs and replacement of spares of the Engine and Gearbox parts.

Benefits of Bharti AXA Car Insurance Policy:

  • 24x7 Claim Assistance :Our dedicated customer service desk addresses all your queries with respect to Car Insurance and even other Insurance Plans round the clock.
  • 2500+ Cashless Garages : With our wide network of more than 4500+ partner hospitals and 2500+ partner garages which seamlessly process all claims, you can be sure that help will reach you in no time.
  • 3.5 Million Trusted Customers : We have sold more than 3.5 million policies and won 2 awards for excellent performance. This means, we make sure to put a smile on our ever-growing trusted customers.
  • 79 Branches Across India : Bharti AXA have more than 79 branches across India. This means you can easily contact an Insurance Expert and get all your queries answered. You can also contact the branch to buy Insurance, raise a claim and other services that you may need.

With Bharti AXA, you can be sure to get your claims settled on the go. So, if you haven’t got your engine and gearbox covered already with us, it’s time you do.

Depreciation Cover

100% payment on the depreciated partsTwo-Wheeler Depreciation Cover
Covers fiber glass, rubber, plastic parts & other depreciating parts

Two-Wheeler Insurance, while being mandatory by law is also something that will give you peace of mind with respect to your vehicle. It will take care of the unforeseen expenses associated with an accident, a natural disaster or a man-made calamity which may have damaged your vehicle. While a basic Comprehensive Bike Insurance Policy will cover most of the expenses, there are certain parts that are not covered by the policy. For that, you need a Zero-Depreciation Cover.

What is a Zero Depreciation Cover?

A Typical Two-Wheeler Insurance Policy will not bear the depreciation component of costs. This is mainly for spares made of plastic, glass, rubber and fiber. These costs must be borne by you. However, if you have purchased a Zero-Depreciation Cover along with your Insurance Plan, the costs will be borne by the insurer.

How is Zero-Depreciation Cover Beneficial?

At the time of your claim, if you are not covered by Zero Depreciation Two-Wheeler Insurance Cover, you will only get compensated basis the depreciated value of the bike. This results in a significant reduction in the claim and the depreciation value must be paid from your pocket even when you have Insurance for your vehicle. Zero Depreciation Add-On Cover helps avoid this unwanted expense. This Two-wheeler Insurance Add-On helps you claim the full amount for your vehicle without factoring the depreciation percentage.

Key Features of a Zero Depreciation Cover:

  • Depreciation Cover is not available for a vehicle more than 5-year-old. If your vehicle is less than the mentioned age, Zero Depreciation Cover will provide you the benefit listed above.
  • 100% repayment on depreciated parts with a Zero Depreciation Cover
  • Smallest of repair costs for durables like tyres, batteries, glass, which attract depreciation are covered with the Zero Depreciation Two-Wheeler Insurance Cover.
  • Number of such claims you can make is limited during the term of the policy. Typically, a maximum of two claims are admissible during the policy period.

Exclusions of a Zero-Depreciation Cover:

  • If any part of your vehicle is not insured by the company and faces damage, the repair amount is to be paid from your pocket and shall not be covered under Zero Depreciation Add-On cover.
  • Items not covered are gas kits, bi-fuel kit, and gas kits
  • Mechanical fault-related damage

One can avail zero Depreciation Cover at the time of purchase of the policy or at time of renewal.

Benefits of Zero-Depreciation Cover from Bharti AXA:

With more than 3.5 million policies sold and multiple awards in recognition of excellent performance, Bharti AXA has a proven track record in the Indian Insurance market. The company offers several flexible and customizable Car and Bike Insurance Plans for its consumers. Moreover, the Add-On Covers offered by Bharti AXA provide an enhanced protection. The company also has a dedicated Customer Service Centre which is operational 24X7 and is partnered with more than 2500 garages across the country for cashless claim settlement.

Personal Accident Insurance for Occupants

Personal Accident Insurance for Occupants

Compensation up to Rs. 2 lakh per person
Total and partial disability covered
Accidental death covered

Not every incident in your life can be controlled by you. You may be an excellent and cautious driver yet one cannot guarantee the same for someone driving towards you from the other side of the road. Accidents can put a halt to everyone’s life and cause a lot of stress.

The best way to take care of these unforeseen circumstances is to get a Personal Accident Insurance as an Add-on Cover for your Two-Wheeler Insurance Plan. This will protect you and the pillion rider in case of an accident.

You can get a Personal Accident Cover at a very nominal premium when you buy a new Insurance Policy or renew an old one. The Add-On Cover will take care of all medical expenses and hospital costs for both the rider and the pillion.

Benefits of Bharti AXA’s Accident Cover Add-On

Accidental Death Benefits

Accidents are unexpected. And if the accidents result in the death of the rider or the pillion, it can have serious implications for the person’s family. Personal Accident Cover provides financial compensation in case of death, which can prove to be helpful for the family.

Compensation for Disability

Accidents may not always result in death but they can lead to temporary or permanent disability. In case such a situation arises, a Personal Accident Cover will bear the medical costs and provide financial compensation for the disability. This compensation amount will depend upon the insurance policy but may not exceed INR 1 lakh.

Daily Hospitalization Cash Benefit

The Personal Accident Insurance Cover provides daily cash benefit in case of hospitalization for up to a maximum of 50 days.

Exclusions of a Personal Accident Cover:

Every policy comes with its own set of restrictions and limitations. Some limitations of this add-on policy are as follows -

1. Death or Injury sustained under the Influence of Drugs or Alcohol -

Any claim that involves the insured person being drunk during the time of the accident shall not be covered by the insurance company. Apart from drunk driving, if any of the insured occupants are under the influence of alcohol or drugs, he/she cannot claim the benefit from the policy.

2. Accident on Purpose -

If the insured rider and pillion are involved in acts like racing or other dangerous acts that they know can lead to accidents, they shall not be entitled to any claim from the insurance policy.

3. Breach of Law during the Accident -

If an accident is caused when the insured party breaks any traffic law, the company shall not cover the party for the same.

How can you avail a Personal Accident Cover for Occupants?

You can apply for this add-on policy with the original two-wheeler policy at the very beginning or take the same during the policy renewal at a small and affordable fee.

A team of experts from Bharti AXA will guide you properly through the process of getting an add-on policy with your main one. Keep the basic information related to your policy with you while opting for an add-on like original policy number, identity proof, etc. as it helps the team process your policy much faster.

To conclude, getting an add-on cover for personal accidents along with the two-wheeler insurance is as important as having any other term insurance to secure your life and those riding along with you.

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