Bharti AXA Comprehensive Car Insurance

With Bharti AXA Comprehensive Car Insurance policy, one can instantly receive the policy after its online purchase. The insurance company has a vast network of garages, easily available claim assistance, and customer care service. The Premium for Comprehensive car insurance is higher because it has various add-on covers which can be selected at the time of purchase.

Benefits of Bharti AXA Comprehensive Car Insurance Policy

Opting for Bharti AXA Comprehensive car insurance provides a range of benefits to its policyholders: 

• The Comprehensive car insurance policy offers coverage against uncertain eventualities like - car theft, fire damage, etc.
• Includes Third-party liability cover against all damages, injury, or loss incurred during an accident. Third-party liability coverage is up to Rs 7.5 Lakh.
• You can avail of add-on covers such as Zero depreciation cover; engine and gearbox cover and return to invoice cover.
• One can have a discount called No Claim Bonus (NCB)in case of No Claim during the policy year. The maximum discount that can be availed is 50% when accumulated over a period of 5 years.

Claim Process of Bharti AXA Comprehensive Car Insurance Policy

Inform the Insurer

The first step is to inform your insurance company about an accident and provide all details about the location and time of the accident, nature of loss and damage, witnesses etc. To claim insurance, you can call on 1800-103-2292 or send an email regarding the claim process to claims@bharti-axagi.co.in or customer.service@bhartiaxa.com for any queries.

Lodging an FIR

The owner must file an FIR if there has been an incident involving the insured car. For minor incidents and scratches, no FIR is required. However, FIR is necessary for all major accidents as the claim process does not start until the insurer receives all the necessary details and documents. 

Visit of the Surveyor

After the registration of the claim, a survey of the damaged vehicle is conducted by the company. For an accurate claim settlement, the report of the surveyor is necessary.

Repair of the vehicle

Post survey, you can take your car for repair to the garage which comes under the network of the company or you can get your car transported there. The transportation expenses can be borne by the company.

Claim settlement

Under a cashless facility, the cost of repair will be paid by the insurance company; you don’t need to make any payments except compulsory or voluntary deductibles (if any). If the garage doesn’t come under the network of the company, you have to pay the cost of repair. After submitting the bills and relevant documents to the company under the reimbursement facility, you will be paid all expenses.