What is covered under your Car Insurance Policy: Inclusions and Exclusions It’s always good for you to know what’s covered and what’s not covered under your car insurance policy. This will avoid any hassles at the time of claim. Inclusions Exclusions Natural Disasters: Floods, earthquakes, cyclones, etc. Manmade Disasters: Fire, terrorism, riot, strike, and accidents etc. Personal Accident Cover for owner-driver: Coverage of Rs. 15 lakhs for the owner-driver of the car and optional personal accident covers for passengers. Third-Party liability: Compensates for injury or damages to a person or property caused by you to another person in a car accident. Drink and Drive: Damages caused to the car if you or anyone else was caught driving under the influence of alcohol at the time of accident. Staged Accidents: Deliberate accidental loss is not covered. If it is proven that the accident was entirely staged, the claim would be rejected. Illegal Activity: Driving on the wrong side of the road or without a valid license, or if the car’s driven by an underage person. Commercial Activity: Driving your private vehicle for commercial purpose and vice versa Other reasons: An expired policy, consequential damages, electrical and mechanical failure, regular wear and tear, and driving outside geographical limits are other reasons for claim rejection. Click here for Policy Wordings Click here for Policy Brochure Click here for Claim form Bharti AXA gives you comprehensive car insurance at an affordable premium Cover financial losses due to damaged/stolen car Cover financial losses Hassle-free claim settlement with 3600+ Cashless repairers of BAGI 3600+ Cashless repairers of BAGI Discounts on Premiums with No-Claim Bonus Discounts on Premiums 24/7 Claim Assistance & strong Customer Support 24/7 Claim Assistance Types of Car Insurance Plans Motor insurance is mandatory as per the government for all cars driven on public roads. For a small annual premium, you get protection against financial losses that may arise in case your car is damaged in an accident. You can choose from two types of insurance plans offered by us. Third-Party Liability Coverage This type of insurance compensates only third-party injuries and their property damages. As per The Motor Vehicles Act of 1988, Third Party Liability Coverage is mandatory for all vehicles driven on public roads in India. IRDAI (the Insurance Regulatory and Development Authority of India) revises the rates for Third Party Coverage each year. The revised third-party rates (As on 1st April, 2017 ) are as mentioned in the table. Engine Capacity Premium Rate Less than 1,000cc Rs. 1,850 Above 1,000cc but less than 1,500cc Rs. 2,863 More than 1,500cc Rs. 7,890 Note: Third-party property damage is compensated up to Rs. 7.5 lakh. In case of injuries/death, decision on pay out will be taken by the court tribunal. Comprehensive Car Insurance This type of insurance covers losses/damages to you and your car in addition to protecting you against third-party liabilities. You should opt for this type of insurance if you want financial protection from losses caused due to accidents, theft and natural disasters. For all-round financial protection, the comprehensive plan is recommended. The own-damage (OD) premium would vary depending on the car’s make-model, age of the car, engine capacity, and geographical zones. Note: Both the third-party liability and comprehensive plans also comprise of the personal accident cover for owner-driver. In this, for a premium of Rs.750, you receive a sum assured of Rs. 15 lakh in case of: Type of Injury Compensation Level Death 100% Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100% Loss of one limb or sight of one eye 50% Permanent total disablement from injuries other than named above. 100% Love at First Try with Bharti AXA Car Insurance It’s all about finding a compatible partner to assist your car in every journey. And we’ve raised the bar in being your Vehicle’s ideal insurance companion. Here’s how. 3.5 Million Policies issued Yes, that’s right. We have delivered that many policies at the snap of a finger. Our instant and simple policy issuance process makes buying car insurance online, a breeze. view More 3600+ Cashless repairers of BAGI You don’t have to wait for reimbursement by us. Get your vehicle repaired at any of our cashless garages. We will directly pay the repair expenses to the garage while you only have to pay the excess towards depreciation of replaced vehicle parts. view More 24/7 Claim Assistance We understand that you’re already stressed when the need for filing a claim arises. But you can still stay calm as we’ve made our claim process a cake-walk. Our team of dedicated claim handlers work round-the-clock to ensure your claim is settled. view More 101 Branches across India When we make you a promise to have you covered, we work to live up to it. That’s why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times. view More Add-On Covers with Your Car Insurance Policy You can enhance your motor insurancee cover with our wide-range of add-on covers to ensure maximum coverage and total protection. Let’s have a look at the Motor Insurance Add-on covers that you can choose from. READ MORE Hydrostatic lock cover Your car’s engine can get damaged during heavy rains or floods. This add-on provides coverage against repair or replacement of engine parts. This cover is applicable only if your vehicle is less than 5 years old. No Claim Bonus (NCB) Protector With a single claim, your accumulated No-Claim Bonus drops down to 0%. However, with the NCB Protector, even after making two claims in the policy period, you can still retain your No Claim Bonus discount. Zero Depreciation cover With this add-on, you don’t have to pay depreciation on expenses of repaired/replaced parts like plastic, fibre, rubber and glass parts. Roadside Assistance You won’t be stranded if your car ever breaks down in the middle of the road as you can get help with just one call at any time of the day or night. The services offered include changing flat tyres, repairs, emergency fuel refilling, towing facility. Invoice Price Cover You generally get the depreciated value of your car at the time of claim. But with this add-on, if you make a claim, you get the invoice value of the car along with registration fees, road tax, and insurance. Co-Passenger Cover In a standard policy, only the owner-driver gets a Rs. 2 lakh personal accident cover. However, with this add-on, fellow passengers are provided coverage of Rs. 1 lakh in case of death, permanent or total disability. Key replacement Coverage is provided for cost incurred to replace the vehicle lock and key if it’s stolen or lost. This is valid for up to 2 claims in a policy period. Medical expenses If you and the passengers are injured in case of an accident, then medical expenses up to Rs. 10,000 are given for treatment. Hospital cash For each day spent at the hospital, you get a lump sum amount of Rs. 1000 per day when hospitalized for up to 30 days. Consumables cover Coverage is provided for expenses on consumables such as oil, nuts, bolts that are considered unfit for further use. Ambulance charges This add-on covers charges towards transportation of the insured person in an ambulance to the hospital. Engine and gearbox cover The add-on provides you financial protection if your car breaks down due to damage to the internal parts of the engine and gearbox.