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.
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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 email@example.com or firstname.lastname@example.org 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.
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.
Bharti AXA Comprehensive Car Insurance Policy FAQs
Ans: No, the car owners are required to have third-party liability car insurance and Personal Accident cover.
Ans: If the car owner doesn’t make any claim in a policy period, they are entitled to have a No-claim bonus.
Ans: In case of the expiration of the policy during renewal, the vehicle will be inspected again and a new policy will be issued.
Ans: After the company has received all documents, it will take around 5 working days to process the claim or it might take some more time if the case requires more investigation.
Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.Read More