Bharti AXA SmartDrive Private Car Insurance Policy

• Cover towards liability for third party
• Accidental damage cover to the vehicle
• Personal Accident Cover for Owner – Driver
• Attractive Discounts on Premiums
• Add-on covers are available to enhance protection
• Quick & Hassle-free claim settlement with 2500+ Cashless garages
• 24/7 Claim Assistance

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner-driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• Depreciation Cover: It pays the depreciation amount deducted on the value of the parts replaced for up to 2 admissible claims, in case of loss or damage to the vehicle insured.
• Invoice Price Cover: In the event of a Total loss/ Constructive Total Loss (CTL) or Total Theft of the vehicle, it pays the ‘shortfall amount’ between the amount received and the price as per the purchase invoice or replacement value of vehicle if the same make model is available, whichever is less.
• Consumables Cover: Covers expenses incurred towards items or substances which at the time of loss are either totally consumed or rendered unfit for further consumption arising from the damage caused to vehicle & its accessories.
• Hydrostatic Lock Cover: Losses arising from repair or replacement of engine parts of the Insured vehicle due to Hydrostatic Lock and ingression of water in the engine are covered.
• No Claim Bonus Protection Cover –Same Slab Cover: You will receive same No claim Bonus percentage even if there are up to two claims made within the policy period.
• Hospital Cash cover: With this cover, you will receive the amount as mentioned in the policy schedule for per day of hospitalization caused due to bodily injury during the policy period.
• Medical Expenses Reimbursement Cover: It reimburses Medical Expenses per Insured person upto the Sum Insured as specified in the policy Schedule.
• Ambulance Charges Cover: Expenses incurred by the insured towards transportation of the insured person in ambulance to the hospital post suffering bodily injury is reimbursed.
• Engine & gear box protection cover: The consequential damage to the internal parts of the Engine & Gear Box of the insured vehicle arising from water ingression leakage of lubricating oil following damage to Engine/Gear box due to Accidental means are covered.
• Key Replacement Cover: It covers the cost incurred by insured to replace the vehicle keys, if it is lost/stolen. Locks & keys both will be paid for, if the vehicle lock needs to be replaced, after loss of key.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the Limitations specified
• Mechanical and electrical breakdown, failure or breakage
• Consequential loss
• Depreciation, wear and tear
• Drunken driving
• Loss/damage caused by or arising from nuclear weapons material
• War, invasion, act of foreign enemy, etc.