Bharti AXA CAR INSURANCE Tata Sumo Car Insurance Quick Highlights Drive Without a Worry with Bharti AXA Car Insurance for your Tata Sumo What Bharti AXA offers for Tata Sumo Car Insurance? Recommended Bharti AXA Add-On Covers for Tata Sumo Benefits of Bharti AXA Car Insurance for Your Tata Sumo Drive Without a Worry with Bharti AXA Car Insurance for your Tata Sumo One of the first indigenously developed Multi-Utility Vehicles (MUV) of India, the Sumo comes from the country’s leading automobile manufacturer, Tata Motors. Its size, stability and robust build quality make the Tata Sumo a preferred vehicle for a variety of different terrains and climatic conditions. Ever since its launch more than a decade ago, the MUV’s popularity has encouraged the makers to roll out multiple variants of Tata Sumo. The Sumo is also a big hit with the military as it has proven its mettle on harsh terrains as well. As per the Indian Motor Vehicles Act, 1988, every vehicle which plies on Indian roads must be covered by Third-Party Liability Insurance. While that is a legal requirement, having a comprehensive Car Insurance Plan covering your vehicle ensures that you have the necessary financial protection covering you in times of emergencies. What Bharti AXA offers for Tata Sumo Car Insurance? There are two types of Car Insurance Plans offered by Bharti AXA for the Tata Sumo, namely; A Third-Party Liability Cover and a Comprehensive Insurance Plan. While the former provides protection against Third-Party Liability arising out of an accident involving your Tata Sumo, the latter provides a more extensive coverage which includes protection in case of natural and man-made disasters and in case of Theft. Here are more details on both: Comprehensive Insurance Plan This plan covers all damages to you or your car, as well as claims arising from Third-Parties. This means that the plan will insure you against costs arising out of damage to any Third-Party property or an injury or death of a Third-Party, natural disasters such as cyclones, earthquakes, floods, etc. and man-made calamities such as riots, arson, vandalism or theft. Here are details of the Inclusions and Exclusions of this policy: Inclusions in the Insurance Policy: Third-Party Liabilities Man-Made Disasters Natural Disasters Personal Accident Cover for Driver/Owner Road Accidents Exclusions of the Insurance Policy: Illegal Activity using the Vehicle Staged Accidents Drinking and Driving Using Private Vehicle for Commercial Purposes Other reasons such as an Expired Policy, Electrical or Mechanical Failure, Regular wear and Tear and more. Third-Party Liability Cover Here the Third-Party Liabilities such as damage to any property or injury to the Third-Party or Death of a Third Party are covered. Recommended Bharti AXA Add-On Covers for Tata Sumo Bharti AXA offers several flexible Add-On Covers for your Tata Sumo. You can select any add-o as per your requirement to customize your Car Insurance Policy. Ambulance Charges Cover In the event of a road accident, you can claim charges incurred on transportation to the hospital. Consumables Cover Consumable parts such as nuts, bolts, engine oil etc. are usually not covered by an Insurance Policy. This Add-On Cover will take care of those costs as well. Passenger Cover By purchasing an Insurance Cover for the other Occupants of the car, you also have protection for them in case of any accidents or disasters. Engine and Gearbox Cover This Add-On Cover takes care of the expenses of repairing and replacing damaged parts of the engine and the transmission. Hospital Cash Expenses Cover Sometimes, you might get so severely injured in an accident that the treatment would require you to spend a considerable amount of time in the hospital. In times such as these, you would need some cash in hand to meet your daily expenses. The Hospital Cash Expenses Cover takes care of these out of pocket expenses. Invoice Price Cover At the time of making claims, the value of your car would be depreciated. With this Add-On Cover, the amounts paid for insurance, registration fees, and road tax will also be included. Key Replacement Cover This feature covers costs incurred on getting a new key in the event of loss of your existing key. Medical Expenses Cover The Insurance Company provides for a specific amount of money that you can claim if you or the co-passengers are injured in an accident and seek medical treatment. No-Claim Bonus Protector Even a single claim can reduce your bonus points to nil. However, this Add-On Cover ensures you retain your bonus points even after making a couple of claims on your existing Car Insurance policy. Roadside Assistance Cover If you are stuck on a road with your insured car that has broken down, this add-on will facilitate immediate help. Zero-Depreciation Cover In a Typical Insurance Policy, you will have to bear the depreciation component of the costs incurred during an insurance claim. The Zero-Depreciation Cover will take care of this component of costs. Benefits of Bharti AXA Car Insurance for Your Tata Sumo With a proven track record of more than 3.5 million policies issued, a 24X7 Claim Assistance Cell and 2500+ partner garages across the country, Bharti AXA has a long-standing reputation in the Indian Automobile Insurance Market. Here is a detailed list of benefits of buying Tata Sumo Car Insurance from Bharti AXA: 79 Branches in India: Bharti AXA has a total of 79 branches spread across the country. You can reach out to any of our branches whenever you need to purchase a new policy or need assistance with your existing policy or claims. 24X7 Claim Assistance: The company has a dedicated 24X7 claim assistance cell which will be take care of all your claim related issues and assist in resolving them swiftly. The cell will also guide you for all your queries regarding your Tata Sumo Insurance Policy. 2500+ Garages in India: When you take a Tata Sumo Insurance Policy from Bharti AXA, you are granted access to more than 2500 partner garages located all over the country. These garages will process all your claims in a completely cashless format. This means you do not have to worry about any payments for your Insurance Claims. Proven Track Record: Bharti AXA has won 2 awards for excellent performance right at its inception. These award certificates were further renewed for 3 more years. In addition to this, the company has issued more than 3.5 million policies. These facts make only strengthen its position as a trustworthy Insurance Company. If the above reasons weren’t enough, Bharti AXA offers a wide range of Insurance Plans and Add-On Covers at affordable premium rates. So, go ahead, and get your Tata Sumo insured today! Frequently Asked Questions (FAQs) Have questions on anything and everything related to insurance? We've hand picked questions with answers that will help you understand the nitty-gritty of everything related to insurance. What is NCB? This benefit is given to a customer at the time of renewal. It applies only on the OD premium. NCB discount is available for 5 years and it increases each year with the highest being 50%. Would I need assistance while buying a policy online? We have made our online buying process super-convenient. But we want to ensure you make an informed purchase. So, if you need our help at any point in time, remember that we are just a call away. 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