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SME Package Insurance

About SME Insurance Package Policy for Office, Shop and Other Businesses

ICICI Lombard General Insurance (Bharti AXA General Insurance*) offers a suit of package policies to take care of all your insurance requirements. Be it an Office, Shop or Small and Medium Enterprise (SME) we have the readymade solution for you. Now you can customize your insurance to your business needs with our SmartPlan Package policy.


Types of SME Insurance Package Policy

Smartplan Office Insurance Policy Package

This is a package policy with comprehensive coverage in 13 sections that covers not only loss or damage to property insured but also legal liability to third parties incurred in the course of business at the premises as well as personal accident coverage. This policy is provided to premises occupied as office with maximum sum insured of Rs. 15 crores under Property Damage section.


Smartplan Shop Insurance Policy Package

Our one stop and affordable solution for all small shops with sum insured up to Rs. 5 crores. Coverage in 12 sections (excluding Fire loss of profit) includes loss or damage to property, breakdown of mechanical and electrical appliances in the premises, legal liability to third parties incurred in the course of business at the premises, infidelity and dishonesty of employees and personal accident cover.


Business Insurance Policy Package

Our specially designed package policy that answers all the insurance requirements of SMEs. This policy can be provided to Industrial and Manufacturing units, Hotels, BPO's and Call Centers up to a maximum sum insured of Rs. 100 crores. Coverage includes property damage, business interruption, breakdown of mechanical and electrical items, burglary, infidelity and dishonesty of employees and legal liability to third parties incurred in the course of business at the premises.


About SME Insurance Package Policy for Office, Shop and Other Businesses

  • Section I - Fire and special perils
    • This section of the policy covers the office building and contents against perils such as fire, earthquake, impact damage, etc. Cover under this section can be extended to include terrorism risk, if you so desire.
  • Section II - Fire loss of profit
    • This section covers losses suffered by you due to interruption with the business carried on at the office premises in consequence of loss, destruction or damage caused by perils covered under Section I. It also provides cover for increased business operating expenses following the loss.
  • Section III - All risks
    • This section covers all assets, excluding building and incidental stocks, against all risks other than those specifically excluded. Coverage includes fire and allied perils, mechanical and electrical breakdown, accidental breakage and burglary and/or housebreaking. In case you opt for this section, Section I of the policy will cover only buildings and incidental stocks.
  • Loss or damage due to wear and tear, gradual deterioration or slowly developing flaws
  • Loss or damage for which the manufacturer or supplier or repairer or transporter or any other third party is responsible either in law or under a contract
  • Loss of or damage caused by or due to action of any lawfully constituted authority or Government body
  • The loss or damage due to war and / or warlike perils, nuclear and / or atomic radiation.
  • Under insurance- if the actual value of the insured property at the time of loss under the fire is found to be greater than the sum insured chosen, then the claim would be proportionally reduced


Can I shift the vehicle from spot of incident/ accident?

For private car- Yes, you may shift the vehicle to garage. But, if the vehicle is found in immovable condition or you find there is a leakage of coolant/ engine oil then you shouldn’t try to start your car and avail assistance of breakdown service van. For Commercial Vehicle- Scope should be given for spot survey unless there is real constrain in getting it done due to road blockage or other sensitive aspects.


When shall I register the claim?

Claim should be reported on immediate basis after the incident/accident. However priority must be given for self-safety & medical assistance (if required).

  •     For Total Theft Claims, the intimation to Police & Insurance Company should be given not later than 24hrs.
  •     For any delay in claim registration beyond 48 hours of incident/ accident the insured should furnish us with detail clarification in writing.
  •    Insurance Co will not stand responsible to cover any kind of aggravation of loss happened due to delay in claim registration or vehicle is not produced for survey.


How to register a motor claim?

Claim should be intimated to our call centre (Toll Free: 1800-103-2292) OR E-Mail us at


What are electrical and non-electrical accessories? How to calculate the value of accessories?

Electrical accessories cover any electrical and/or electronic equipment that is not factory fitted with the vehicle, e.g. music system, LCD mini TV, Fog lights, etc. Value of electrical accessories will be as declared by the insured.

Non-electrical accessories cover any non-electrical/ non-electronic equipment that is not factory fitted with the vehicle, e.g. mag wheels, leather seats, CNG-kit, interior fittings, etc. Value of non-electrical accessories should be the invoice value of the non-electrical accessories up to the maximum limit of Rs. 20,000/-.


What is Personal Accident cover for family/passenger?

Personal Accident Insurance for Family/ Passenger covers monetary pay outs towards injuries sustained by people/ passenger travelling in the car due to accident resulting in death or disablement. Personal accident insurance covers insured/his family/passengers travelling in the car at the time of accident. 
This add-on covers:

  •     Capital Sum Insured limited to maximum of Rs.15 lakh per person.
  •     Permanent total disablement
  •     Permanent partial disablement
  •     Accidental Death


What is the third party liability covered under Private Car package policy?

The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private car in respect of:
Death or bodily injury to third parties (unlimited liability)
Damage to the third party property (minimum of Rs.6000/- and max of Rs.7,50,000/-


Can I buy add-on covers without buying four wheeler insurance from Bharti AXA?

No. Add on package can be sold only with car insurance policy. It cannot be sold on standalone basis. E.g. If the car is insured with some other company and you want to buy only add-on from ICICI Lombard General Insurance (Bharti AXA General Insurance*), in that case this option is not available.


Why do I need motor Add-ons?

Our standard car insurance attempts to provide protection for all possible situations a driver is likely to face, however despite this it is a policy that covers risks common to most vehicles. Further, there are certain circumstances that are specific to certain regions, vehicle type, level of use etc.
Add on covers provide protection against such specific risks. All you need to do is key-in your details into our quick quote section and you shall receive customized recommendations for add-ons in accordance with parameters like vehicle age, make, model, No-claims-bonus, location among various other factors. Given are certain specific situations where add-ons have benefitted vehicle owners greatly.
Consider the following:
a) Heavy rainfall and flooding
If you happen to live in an area that faces heavy rainfall and is prone to flooding, the chances are that your vehicle will be exposed to probability of water seeping into its engine. And if you even turn on the ignition key of your car while it’s parked in a water-logged area it can cause massive engine damage.
Further, you must know that such damage will be considered as consequential loss and will in all likelihood not be covered by your regular four wheeler insurance policy. A Hydrostatic lock cover addresses precisely this issue. It covers expenses pertaining to engine.
b) A single claim can bring your ‘No-claims-bonus’(NCB) to zero
If you happen to be a cautious driver who has accumulated a fair amount of NCB then imagine your plight if a single claim caused a teenage driver or close relative brings down your No claims bonus to zero. Unbelievably, car insurance offers a solution to this concern in form of ‘No Claims Bonus Protector’ Cover. This cover protects your NCB for 2 admissible claims during the course of your policy period.
c) Bumper to Bumper Driving (Better protection through Depreciation Cover)
Most persons travelling to work and back during office peak hours in a metro or mini metro would know of the jam packed bumper to bumper driving experience each commuter faces. Situations of fender benders are extremely common. Under a regular insurance policy generally only 50% of repair expenses for plastic, fibre and metal parts are reimbursed. Even for other parts the claim amount is subject to depreciation.
This means that you shall receive an amount, which is lower than the actual repair expense. In several cases the amount deducted on account of depreciation could be as high as 50%. Depreciation cover is a solution to this problem. Not only does depreciation cover make up for the depreciated amount it also provides complete repair expense reimbursement for plastic, fibre, glass and metal parts.
The shared examples are just a few but there are several risks that are specific to location, vehicle age, driver type, level of use among others. Add-on covers let you customize your existing car insurance to suit your needs in accordance with risks that are specific to your situation.


What is Roadside Assistance Cover?

Roadside Assistance Cover provides you services in the event of breakdown of your vehicle. Just in case you get stranded in the middle of the road due to a car breakdown, you can fetch help with just one call at any time of the day or night. Roadside assistance cover includes towing service, repairs, changing flat tyres and emergency fuel refuelling etc.


What is Depreciation Cover?

It is a car insurance cover wherein the company shall pay the depreciation amount deducted on the value of the parts replaced i.e. depreciation amount will not be deducted from the claim amount. You can avail this benefit up to 2 admissible claims during the policy period.


Can I also buy additional car insurance covers online?

Yes, you can also buy additional car insurance covers along with standard car insurance policy online. For car insurance following are some of the important additional covers available.

  • Depreciation Cover
  • Invoice Price Cover
  • Medical Expenses
  • Personal Accident Insurance for Family/ Passenger
  • Hospital Cash
  • Roadside Assistance



What are the types of events or losses not covered under car insurance?

The following events or losses are not covered in this policy:

  •     Mechanical/ Electrical breakdown
  •     Wear and tear, ageing of vehicle
  •     Consequential loss*
  •     Depreciation
  •     Deliberate accidental loss
  •     Intoxicated driving
  •     Any contractual liability
  •     Damage to/ by a person driving any vehicle without a valid license

* Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his car met with a road accident resulting in damages to car and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approx. 15 Lakhs. Damages to car due to the accident are covered, but the loss of 15 Lakhs is consequential and hence not covered.


What is the scope and cover offered in a car insurance policy?

The private car can be used for social, domestic and pleasure purposes and also for business purposes excluding the carriage of goods other than samples by you or your employees. ICICI Lombard General Insurance (Bharti AXA General Insurance*) will protect you against any loss or damage to your private car and its accessories during the following events:

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft
  • Riot or strike
  • Earthquake (fire and shock damage)
  • Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
  • Accidental external means
  • Malicious act
  • Terrorist activity
  • Whilst in transit by road, rail, inland, waterway, lift, elevator or air
  • Land slide, rock slide


Why Should One Have A Comprehensive Car Insurance Policy?

It is recommended to have a comprehensive car insurance policy over the basic third party insurance. As the name suggests a comprehensive vehicle insurance plan offers fuller coverage and more wide-ranging benefits.

If you take a comprehensive car insurance policy, by paying a slightly higher premium you will be covered for third party liability as well as own damage to your vehicle.   

A comprehensive car insurance cover includes:

  • Any damage caused to the insured’s car due to floods, earthquakes, landslides, cyclones and other natural calamities
  • Loss or damage caused by man-made disasters such as theft, fire, terrorism, riots and strikes
  • Any losses and damages caused by road accidents
  • Personal accident cover to the owner–driver in case of injury or death from a road accident
  • Third party legal liability (mandatory)

Compared to the above, a third party vehicle insurance policy will only cover expenses towards damage or injury to the third party and surrounding property that has been caused by the insured’s vehicle.

Therefore by opting for a comprehensive car insurance policy you get much more peace of mind and financial security.


What are the stepwise procedures to get a car insurance?

  • Step 1: Select ‘buy’ or ‘renew’ option under car insurance.
  • Step 2: Enter a vehicle and personal details,
  • Step 3: Choose Add-on covers and discounts, if applicable to arrive at the final car insurance premium amount.
  • Step 4: Add complete details. Check summary. Make the payment.
  • Step 5: You will get your car insurance policy in PDF form in your email.


What are cashless car Insurance claims?

Cashless car insurance claims help you to get your vehicle repaired without paying money at the network of the garages of the insurance provider. The insurance company will pay the claim amount directly to the garage.


How is car insurance premium calculated?

The details required to calculate the premium for new and old car differ a little. Let us look at each of them in turn.

Calculation of premium for new cars

You will have to provide the following information to calculate the premium for new cars:


  1. Age of the car

  2. Whether the car will be used for personal or commercial purposes

  3. Fuel type

  4. Insured declared value

  5. Cubic capacity of the car’s engine

  6. Area where the car was registered

  7. Accumulated no claim bonus, if any

  8. Owner-driver’s personal details including

    1. Age

    2. Gender

    3. Occupation

  9. Voluntary deductibles


Calculation of premium for old cars

The information needed for determining premiums for old cars additionally includes:

  1. Current policy details

  2. Claim history

  3. Previous owner’s details, if any

Remember that only the Own Damage premium and any add-on premiums are decided by the insurer. Third party liability premium and personal accident premium are fixed by IRDAI.


What is No-Claim Bonus (NCB) in car insurance?

NCB in car insurance is the discount that insurance company offers if the policyholder does not make a single claim during the policy period. You can accumulate up to 50% NCB discount for every claim-free year until 5 years.


No. of Years


One claim-free year


Two consecutive claim-free years


Three consecutive claim-free years


Four consecutive claim-free years


Five consecutive claim-free years




What is IDV in car insurance?

Insured Declared Value (IDV) in car insurance is the maximum sum assured amount that the insurance company will compensate for the claim. It is considered during the calculation of premium and changes every year after adjusting the depreciation.


What are the things to remember before buying a car insurance policy?

Buying a car Insurance policy should not be a random decision. You should buy only the best car insurance in India. It requires due diligence and consideration of the following factors:

  • Reputation of Insurance Company

Choose the best car insurance company with an established brand reputation and financial stability. Check out how long the company has been operational in the market, what experience it has and how many four wheeler insurance policies it has issued so far.

  • Claim Settlement Ratio

When checking the background of the insurance company, do pay close attention to its claim settlement ratio. You should check how many claims the insurer has settled against the claims received in a stipulated period. Usually, the claim settlement ratio is easily available on the company portal or other reputed websites such as IRDAI.

  • Comparison

There are several car insurance companies offering various types of car policies. It is recommended that you make a comparison of the features, benefits, and prices of these policies. You can get a car insurance quote online easily. Remember that a policy with a cheap premium may not be necessarily the best for your car! Choose only the best car insurance in India for 360-degree coverage.

  • Premium

The premium you pay on the Car Insurance policy should be affordable while offering maximum benefits and value for the price. Try to understand all those factors that affect the premium amount. If you are comparing prices online, you can ask insurers to send car insurance quote online.

  • Network of Garages

When your car is damaged, there are umpteen things running on your mind. Moreover, accidents can happen anywhere, just not in your city or state. Now, you don't want to add the additional stress of finding a reliable garage to get the repairs done. Hence, it is important to buy the car policy only from that car insurance company which has a strong network of garages PAN-India. Before you buy the policy, ask the insurer for the list of garages it has a tie-up with.

  • Cashless Claims

Usually, when you make a claim, the four wheeler insurance company asks you to present the bills and then makes the reimbursement. This involves a lot of headache and paperwork for you. However, cashless claims can ensure that the insurer settles the bill directly with the garage and you don't have pay upfront. All you have to do is send claim intimation to the insurance company. So, choose an insurer that offers the facility of cashless claims.

  • Customer Service

No car policy promises made by the company are good if it can't serve its customers well, especially after sales and service and at the time of claim settlement. Look for car insurance company which offers 24/7 customer support and can guide you properly at every step. Go through online customer testimonials and reviews on the internet to get an idea of the company's customer service.

  • Online Four Wheeler Insurance Policy

Choose four wheeler insurance company that offers online car insurance policy. It is not only hassle-free and time saving to buy the policy, but the premium of online policies is lower too. You can even do car insurance renewal online.

Car Insurance is a gateway to your peace of mind when you are driving your car. As soon as you buy a car, insurance should be your first priority. You should also remember to renew your car policy timely to avoid any losses or putting your security at risk. Buy the best car insurance policy in India now!

If you need any guidance on how to get online car insurance, get in touch with ICICI Lombard General Insurance (Bharti AXA General Insurance*).


Documents required for car insurance policy?

The insurance companies need minimum documentation from Four-Wheeler Insurance buyers. Check out the list of various documents required for car insurance.

  • The application/proposal form provided by the insurance company.
  • A Copy of the Registration Certificate (RC).
  • Invoice copy of the new car.
  • Identity and address proof.
  • Previous car insurance policy along with proposal form, RC & No-Claim Bonus (NCB) letter in case of Car Insurance Renewal Online as well as offline.

Do note that the four wheeler insurance can be purchased, only by a person who owns a car and is aged 18 years or above. You should make sure to provide complete and accurate information about your car and personal details in order to determine the correct IDV and premium amount. In case the details are misrepresented they can affect not only the premium but also terminate your policy.

You can request the document list either; when you buy Car Insurance online or visit any insurance company branch/advisor.


How is the value of the vehicle (IDV - Insured Declared Value) determined in car insurance?

The IDV of the car is to be fixed based on the manufacturer's listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation. The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer's listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

Schedule of Depreciation for arriving at IDV

Age of the Vehicle % of Depreciation for fixing IDV
Not exceeding 6 months


Exceeding 6 months but not exceeding 1 year

Exceeding 1 year but not exceeding 2 years 20%
Exceeding 2 years but not exceeding 3 years 30%
Exceeding 3 years but not exceeding 4 years 40%
Exceeding 4 years but not exceeding 5 years 50%



How do I know which four wheeler insurance add-on is required for me?

We at Bharti AXA GI provide you with customized recommendations of car insurance based on your vehicle age, vehicle type, No-claims-bonus etc. All you need to do is key-in your details into our quick quote section to retrieve add-on recommendations. In addition, quick online research is not only quite easy and simple but will also provide you with a fairly good idea of what car insurance add-ons can be beneficial to you.


What are the discounts allowed under Bharti AXA car insurance?

The discounts that can be allowed under the Private Car insurance policies are Voluntary Deductible discount and No Claim Bonus. Furthermore, you could avail additional discounts on your online car insurance premium, if you have

  • ARAI approved anti-theft device


What are the benefits of buying four-wheeler insurance online?

The online advantage enables you to buy the four wheeler insurance policy through web instantly. It saves your time and money. You can get a free quote, calculate your car insurance premium, and buy the four wheeler policy with instantly. You can enjoy hassle free buying without any paperwork. You can buy ICICI Lombard General Insurance (Bharti AXA General Insurance*) private four Wheeler Insurance policy online using credit card, debit card or net banking.


Why do I need car insurance?

The law in the country makes it compulsory for you to insure your car. The compulsory nature of the law protects you against third party liability. Also, your four- wheeler is probably one of the most expensive things you own. Car insurance protects this asset of yours and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

Your passengers stranded

  • Your fellow drivers
  • Other people's property
  • Pedestrians
  • Yourself

Car insurance helps you to cover the costs of potential damages or injuries in case of an unforeseen accident or theft and third party insurance serves to protect you from the claims arising from third party.


What Are The Different Types Of Car Insurance Policies By Bharti AXA And What Does It Cover?

There are three main types of car insurance policies that ICICI Lombard General Insurance (Bharti AXA General Insurance*) offers and here is what each type of plan covers:

1)   Comprehensive Car Insurance

Comprehensive car insurance policy offered by ICICI Lombard General Insurance (Bharti AXA General Insurance*) covers third party liability as well as own damage. Hence this type of car insurance policy offers a wider and better coverage. 

Specifically this type of policy cover includes:

-          Any damage caused to the insured’s car due to floods, earthquakes, cyclones and other natural disasters

-          Losses caused by man-made disasters such as fire, terrorism, riots, strike and theft

-          Any losses and damages caused by road accidents

-          Personal accident cover to the owner–driver in case of injury or death from a road accident


2)   Third Party Liability

Third party liability offered by ICICI Lombard General Insurance (Bharti AXA General Insurance*) is the legally mandatory type of vehicle insurance which protects the insured from bearing expenses towards third party losses caused by the insured’s car.

Specifically this type of policy includes:

-          Compensation for bodily injury to third party

-          Compensation for property damage to third party

-          Compensation to nominee in case of death of third party

-          Personal accident cover for owner-driver


3)   Own Damage Car Insurance

Stand-alone own damage insurance cover will cover losses to your vehicle only. It can be bought independent of third party liability (TP) but note that you still need to have third party cover which is mandatory.

Comprehensive car insurance is recommended over third party car insurance as it offers a wider coverage with more benefits.


Is there any limit to the number of add-ons I can opt for with my car insurance policy?

No there is no such limit.


How can I apply for liability only car insurance online?

To apply for liability only car insurance policy, please visit motor third party liability. Kindly share the required details of the vehicle including the first registration date and policy expiry date in the message box.


Can I get my money/unused car insurance premium refunded?

Refund is possible only when the four wheeler insurance company cancels the policy. The refund essentially depends upon the company and always released on a pro rata basis. You must check the short rate calculations before cancelling your policy.


Can I pay car insurance premium in installments?

As per section 64VB of Insurance Act, 1938 no risk can be commenced unless premium is received in advance. Hence, full car insurance premium needs to be collected before the start of policy period. 


How insured can obtain a duplicate car insurance policy? What are the charges?

Reach us at 1800-103-2292 (Toll free) and get assistance from customer service representative.


What is the period for which car insurance policy is issued?

Car Insurance policies can be issued for a period of a year or multi year. You will have to renew the policy before the specified expiry date mentioned on the policy document. Policy for old cars is for a period of one year, whereas for a new car the owner has to mandatory buy 3 years compulsory TP with an option of 1 year OD or a 3 years OD. 

There are certain benefits of doing so: 

  •     Insured will continue to enjoy no claim bonus.
  •     Insured will not have to get inspection done at the time of renewal.


How much is my car insurance premium expected to increase with add-ons?

Most car insurance add-ons are quite affordable. The price of each add-on is dependent on several factors like vehicle age, vehicle type, location etc. You could key in you details into our “Quick Quote” section and receive a quote for a policy along with the add-ons you wish to opt for.


What is a car insurance premium?

Car Insurance premium is the fixed amount of sum paid by the insured to the insurance company for availing benefits and covers provided by the car insurance policy during the policy period; and to complete the contract of insurance. For buying and renewing car insurance online you can pay with credit card or net banking.


Is it possible to opt for the car insurance cover I initially did not have?

Yes, it is possible to opt for a new/additional car insurance cover at the time of renewal.


What is break-in-insurance? What should I do if I have a break-in-insurance?

Break-in-insurance is when the car insurance policy lapses due to non-renewal on time. Indian law makes it compulsory to have car insurance with third party insurance at all times. In case of break in your car insurance policy, you can get in touch with our customer support at 1800-103-2292 (Toll free) to renew policy if it has been less than 90 days so that you may be able to retain your No Claim Bonus. You have to get your car inspected before purchasing the policy.


What should I do if my previous car insurance policy has already expired?

If your car insurance policy has already expired, you have to obtain a fresh insurance. Due to the break in insurance the vehicle will be physically inspected by a company official or an authorized representative/agency. You can get the NCB transferred in case your car is insured within 90 days of your renewal due date.


Can I opt for covers at times other than car insurance renewals?

It is strongly recommended that you opt for covers only at time of renewal of your car insurance policy and not during your policy period. You can’t opt for a motor add-on cover online in case you are not renewing your policy. For midway/midterm add-on procurement you could contact our customer care representative for guidance.


Can I opt for car insurance covers online at the time of renewal?

Yes, you can opt of car insurance covers online at time of renewal.


Can I renew my existing Bharti AXA policy or renew other insurer’s policy online?

Yes. You can renew your expiring policy online from providing minimum details. Also enjoy the benefit of transferring up to 50% of no claim bonus earned by you.


When should I renew my car insurance policy?

You should renew your car insurance before expiry of the existing car insurance policy. This keeps your vehicle insured against the risks without any break and retains the No Claim Bonus which is the discount in premium for claim free year/s.