Bharti AXA is taken to be one of the best options as far as car insurance is concerned. Bharti AXA ensures you on the both ways i.e. protects you on the road as well as assures you that the option is as per your requirements and common limitations. The benefits of the Bharti AXA car insurance include robust 24x7 claim assistance, cashless service in more than 2,500 garages in the country, hassle free claim settlement, and up to 50% No Claim Bonus (NCB) on renewal of car insurance from Bharti AXA or any other provider. For online purchase, company offers two ways/ options which are, Basic Cover and Basic Cover along with Roadside Assistance. Some of the features of the plan are described below:
With this product, the company aims at meeting the comprehensive needs of the motorists.
Under the Bharti AXA car insurance cover for car and passengers has been broadened. Basic cover to meet the liabilities arising out of road accidents are accompanied by the enhanced cover of roadside assistance in case of unforeseen on-road incidents including breakdowns. The details are discussed below:
Sometimes certain losses arise which are not covered in the base plan and are beyond the terms specified. For such cases the company may provide additional covers at additional cost which are stated below:
2. Invoice price: In case of any loss, compensation is given which equals to
Insured value + insurance + road tax + registration
3. Medical expenses: For treatment of injuries amounting to not more than Rs. 10,000 (driver + passengers)
4. Personal accident: In case of death or dismemberment of passengers, Rs. Up to 1 lakh are given
5. Hospital cash: Rs. 10,000 daily subject to maximum of 30 days
There are some claims that are not entertained/ compensated by the company:
There are certain conditions when the customers become eligible for certain discounts/ bonuses like no claims made in last year, installation of anti-theft devices
The Insured Declared Value (IDV) of the vehicle is fixe as under:
On the basis of the selling price of the manufacturer/ seller, the following amount is deducted from that price in order to arrive at the IDV:
One can intimate Bharti AXA about the accident by just calling or sending an email. By this, the claim will be registered by the company and a registration number will be given to the complainer in order to facilitate future correspondence. At that time, you must be ready with certain information i.e. contact number, vehicle number, policy/ cover note number, engine number, chassis number, description about injury, extent of loss, and details of the accidents like location, date, time, etc.
One can choose between Bharti AXA approved garages or any of the garages for getting the repair done to the vehicle. The survey of the vehicle can be done by the surveyor only in the workshop which needs certain documents ready, which are:
The procedure of the settlement of claim depends upon the mode of repairs made to the vehicle. The process is described as under: