on Your Car Insurance
You spend a good part of your savings to get a car. You make sure that you follow all the traffic rules, and drive safe, but accidents can still happen. Repairs cost can burn up a hole in your pocket. But, that is not the only thing that may happen – what would happen if your car gets stolen? Can you afford another car to replace the loss? Or if the car is on EMI can you pay up the financing Bank?
The best way to prepare yourself from such losses/ damages is through having a car insurance policy that provides cover to you, your car and the third party.
Comprehensive Car InsuranceComprehensive car insurance policy provides protection against damages to your car (Own damage cover) and third party liability. Comprehensive insurance cover will not only take care of costs arising from loss or damage to your car due to accident or theft of vehicle but also damages due to malicious act, burglary, housebreaking, flood, earthquake, fire, explosion etc. A comprehensive insurance cover offers all above coverages under one umbrella and is ideally recommended for all cars.
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Any losses or damages that you may suffer due to an accident caused while driving are covered
Car got stolen? Don’t worry, your Bharti AXA Car Insurance policy will cover you against this loss.
Natural calamities like earthquakes, cyclones, floods etc. can literally destroy your car. Damages due to such disaster are covered.
Any loss occurred due to accidental fire, riots, strikes, etc., is covered under your car insurance policy.
If a third-party is involved during the accident, you might have to cover their losses. Third-party liability cover protects you from any financial losses in such a scenario.
Car accidents leading to permanent disablement or an unfortunate death of the owner driver is covered in case the insured has opted for it.
If you damage the car while you drink and drive, it will not be covered under the insurance. It would be wise to not drink and drive.
Damage to the car while driving without a valid license is not covered.
Using your private vehicle for commercial activities will not be covered under the policy.
The reasons which are not mentioned above like consequential damages, mechanical breakdown, contributory negligence, staged accidents, and driving outside geographical limits etc. will not be covered.
You can customize your car insurance coverage based on your specific requirements through add-on covers. These expand the coverage offered by the comprehensive car insurance to provide you additional protection against specific risks you may face.
• Depreciation Cover: This is the most important add on cover in car insurance. ‘Depreciation’ refers to the loss of value of asset over time due to factor such as age, wear and tear. A depreciation cover will protect certain parts of your car such as glass, plastic, or rubber. Each part has its own depreciation rates. You can avail depreciation cover for your brand new vehicle or at the time of renewal of your car insurance.
• Road Side Assistance: Just in case you get stuck in the middle of the road due to a car breakdown, help is just a call away. Roadside assistance cover includes towing service, repairs, changing flat tyres and emergency refueling etc.
• Consumable Cover: At the time of claim, consumable items like nuts and bolts, oil filter etc., are not covered. By having a consumable cover with comprehensive car insurance you can save on the expenses towards such consumables due to damage done to vehicle at the time of accident.
• Key replacement Cover: This car insurance add-on reimburses you for the cost incurred due to the replacement of lost or stolen car lock or key.
• (Co-passenger Cover) Unnamed Personal Accident to passenger: Accidents are dangerous and can cause damage to you, and the co-passenger riding with you in your car at the time of accident. A co-passenger can be any one your driver, friend or family member. By adding a co-passenger cover to your car insurance, you can protect yourself and the co-passenger financially from such unfortunate events.
• Engine & gear box cover: Engine is the heart of your car. If there is a vehicle breakdown due to the internal parts of engine and gearbox, this car insurance add-on cover can pay for the expenses.
• Ambulance charges Cover: This car insurance add-on provides coverage against the transportation cost of the ambulance carrying the insured person to the hospital.
• Hospital Cash: If you are admitted to a hospital in the event of an accident, you will get the benefit as per cover selected by you.
• Invoice price cover: Also popularly known as return to invoice cover (RTI). This add-on , when availed, covers the gap between the vehicle’s insured declared value and the original cost at the time of purchase.
• Medical Expenses: This car insurance add-on covers medical expenses u in case the owner-driver and co-passengers are injured during an accident as per the cover selected by Insured.
*For complete details of coverage and
Policy Name:
Smart Drive Private Car Insurance
UIN:
IRDAN139RP0032V01200809
IRDAI Registration N0.139
CIN-U66030KA2007PLC043362
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Trade Logos displayed in the document belongs to Bharti Enterprises (Holding) Private Ltd and AXA SA respectively and used by Bharti AXA General Insurance Company under license. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Bharti AXA General Insurance Company Limited. First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore-560052.
Email: customer.service@bhartiaxa.com
Toll Free Number: 1800-103-2292