Bharti AXA General Insurance Overview

Bharti AXA General Insurance is the one of the largest private general insurance companies in India. Bharti AXA General Insurance Company is a joint venture between the Bharti Enterprises and the AXA Group. In this venture, the Bharti Group holds a 5174% stake and the rest 4926% is held by AXA.

Bharti AXA General Insurance is the first organisation in the general insurance industry to receive dual certifications of ISO 9001:2008 and ISO 27001:2005 within the first year of its operations in 2009.

Headquartered in New Delhi, Bharti Enterprises was founded by Sunil Bharti Mittal in 1976. The company operates in 20 countries across Africa and Asia with its business spanning across telecommunications, financial services, retail and manufacturing.

AXA is a French, multinational, investment banking firm present in 576 countries and serving 1082 million clients worldwide. For the sixth tenth year in a row, AXA has maintained its position as a leading global insurance brand as ranked by Interbrand in 20184.

Bharti AXA General Insurance was awarded the Excellence Aaward by the Institute of Economic Studies in March 2014. Bharti AXA General Insurance has also received the “Personal Lines Growth Leadership Award 2011” at the India Insurance Awards 2011. The Bharti AXA General Insurance Company has been also conferred the ‘Best Product Innovation Award 2012’ and ‘Commercial Lines Growth Leadership Award 2012’ at the India Insurance Awards 2012. Moreover, the company was honoured for its consistent performance and tremendous growth over a period of three years (2008-2011), in terms of volume, revenues, and client base, in the retail insurance segment.

Bharti AXA General Insurance Plans & Policy Portfolio

Bharti AXA Health Insurance Plans:

When it comes to planning for medical emergencies, you a person tends to worry mainly about the exorbitant hospital bills. Health care comes with a price tag and arranging for funds during a crisis often requires running from pillar to post, making a dent into your savings or worse. Bharti AXA General Insurance plans helps you to plan for your health emergencies so that you can maintain your calm during a medical emergencycrisis situation.

  • Critical Illness Insurance: The Bharti AXA Critical Illness Insurance policy provides coverage for 20 critical illnesses. In the case of diagnosis and survival for 30 days post-diagnosis, a lump sum compensation is paid to the policyholder equivalent to the sum insured of the plan - Rs. 2, 3 or 5 lakh. This money can be used as per the discretion of the insured. It is easy to get Critical Illness Insurance by Bharti AXA Insurance as no medical check-up is required up to the age of 45 years.
  • Bharti AXA Life Triple Health Insurance Plan: The Bharti AXA Life Triple Health Insurance Plan is a comprehensive health insurance product that continues to provide protection even after making a claim. It offers cover for up to three unrelated critical illnesses with premium waiver after the first claim. The medical cover is provided available for 13 critical illnesses, which have been classified into three groups – Group A, Group B and Group C. One A person receives 100% of the sum assured for the remaining two claims as long as the event/ illness is not from the same group, subject to a no benefit period of 365 days between each claim.
  • Bharti AXA Life Hospi Cash Benefit Rider: The Bharti AXA Life Hospi Cash Benefit Rider provides fixed benefit irrespective of the actual expenses incurred on each day of hospitalisation. To avail a claim, the hospitalisation should be for a minimum period of 48 hours while the policy is in force. It also offers a fixed amount of benefit upon admission to an intensive care unit or lump sum benefit in case of surgery.

Bharti AXA Car Insurance Plans:

Bharti AXA Car Insurance plans provide the optimum insurance protection cover for your car and protective covers that offer ensure extra protection along with extensive auto insurance coverage, competitive car insurance quotes and unparallel services.

  • Bharti AXA SmartDrive Private Car Insurance: The Bharti AXA SmartDrive Private Car Insurance policy protects the car owner from third party liabilities as well as any damages to the car (i.e. own damage). It covers any loss or damages caused to the vehicle in fire, accident or due to earthquake, theft, vandalism, etc. It also offers a personal accident cover of Rs 15 lakh to the owner-driver of the car.
  • SmartDrive Liability Only Car Insurance: Bharti AXA SmartDrive Liability Only Insurance policy covers the owner of the car against any accidental bodily injuries, death, disability or property damages caused to third parties, such as other car drivers. This Bharti AXA Insurance policy covers the third party property damage for up to Rs 7.5 lakh. Moreover, it provides personal accident cover of Rs 15 lakh for the car’s owner-driver but does not cover any own damages to the car.
  • SmartDrive Private Car Standalone Own Damage Insurance: The Bharti AXA SmartDrive Private Car Standalone Own Damage Insurance policy provides financial protection against any losses or damages to the insured car arising out of road accidents, natural disasters, theft, manmade damages, etc. The car owner can opt for this policy, provided he/ she owns a long-term third party liability insurance as third party cover is mandatory for motor vehicles in India. 

Bharti AXA Two Wheeler Insurance Plan:

If you want to enjoy your ride without fussing over the possibility of theft, accident and third party liability, Bharti AXA Two Wheeler Insurance is a must-have for you. Go ahead, get one and enjoy the financial freedom that comes along.

  • Bharti AXA SmartDrive Two Wheeler Insurance: The Bharti AXA SmartDrive Two Wheeler Insurance policy provides all-round protection to the insured bike by covering both own damages to the vehicle and third party liabilities. It comes with a compulsory personal accident cover of Rs 15 lakh for the owner-driver of the bike. Moreover, the bike owner can also strengthen the coverage by opting for add-on covers, such as depreciation cover.
  • SmartDrive Liability Only Two Wheeler Insurance: Bharti AXA SmartDrive Liability Only Insurance policy offers the mandatory third party liability coverage to the two wheeler. It protects the bike owner from any financial losses arising out of causing accidental death, disability, bodily injuries or property damages to third parties. This Bharti AXA Insurance policy also provides the personal accident cover of Rs 15 lakh to the bike owner-driver but restricts the compensation towards third party property damages for up to Rs 1 lakh.
  • SmartDrive Two Wheeler Standalone Own Damage Insurance: Bharti AXA offers SmartDrive Two Wheeler Standalone Own Damage Insurance policy that covers any damages to the insured bike caused due to natural calamities, accident, manmade damages or theft. This policy does not provide third party liability cover and hence, can only be purchased if the bike owner has an existing long-term third party bike insurance.

Bharti AXA Home Insurance Plans:

Bharti AXA Home Insurance Ppolicies safeguard your home and give you a smart alternative to tackle all problems related to your home house and thereby, ensure a disaster -free living.

  • Bharti AXA SmartPlan Householder’s Package Policy: The SmartPlan Householder’s package policy by Bharti AXA General Insurance protects the house from any loss or damages caused by fire, natural calamities, accidents, theft, etc. It covers the structure of the house along with the contents, including damaged items belonging to third parties. It also covers the policyholder, spouse and up to two dependent children against accidental injuries leading to death or disability. This Bharti AXA insurance policy can be purchased by homeowners and tenants.

Bharti AXA Travel Insurance:

Vacation time is meant for carefree enjoyment. However, a lot of vents can happen to disturb your dream vacation.! You may fall ill or lose your baggage or miss your flight – the possibilities are countless. So get a travel insurance cover by Bharti AXA General Insurance to leave the worrying to your insurer and go aheadkeep enjoying your dream vacation!

  • Individual/ Family Travel: The Individual/ Family Travel Insurance plan from Bharti AXA Travel Insurance takes care of any risklosses arising from out of all kinds of contingencies during international travel. These may include sudden illness, injury, cancellation of the trip, loss of important documents, and financial emergency, etc. Bharti AXA Insurance has designed Tthree product variants have been designed to cater to different segments of overseas travellers, including individuals and families going on business and or holiday trips. These three variants are Schengen Products, Non-Schengen Products and Annual Multi-trip Insurance Products.
  • Student Travel Insurance: The Student Travel Insurance plan is a travel insurance policy for students travelling abroad on a student visa to pursue higher studies. It covers against the risk of emergency medical expenses and travel- related contingencies, such as loss of baggage, passport, and accidents. Thise Bharti AXA Insurance policy covers students between the age group of 16 years and 40 years who are going to colleges, universities or institutes in a foreign country for academic or professional courses. The cover is available for a period ranging from 30 days to 2 years, and can be further extended up to 4 years.

Bharti AXA Personal Accident Insurance:

Bharti AXA Personal Accident Insurance is a good product designed to cater to all your requirements in the event of an accident. Not only does it takes care of your medical expenses, but it also has provisions to pay for legal expenses, if any. Thus, bBe smart and take make a wise decision by buying a personal accident cover!.

It is advisable to compare all Bharti AXA General insurance plans with plans from other gGeneral insurance companies in India to choose the insurance plan that suits you the most.

Bharti AXA Distribution Network:

Bharti AXA General Insurance has rapidly become a prominent and well-established insurance provider with 40135 branches in India.

Bharti AXA General Insurance Renewal

An insurance policy should be renewed before its expiry to ensure continued protection against any unforeseen dangers. Fortunately, Bharti AXA General Insurance renewal is possible online. You can follow the steps mentioned below to renew your Bharti AXA insurance policy online:

  • Visit the website from where you want to renew your policy 
  • Go to the renewal page
  • Select the type of Bharti AXA insurance plan that you want to renew
  • Provide the requested details, such as previous policy number and contact details
  • Pay the premium amount online via internet banking or bank cards 
  • Your Bharti AXA Insurance policy will be renewed

Bharti AXA General Insurance Faqs

  • Q1. Who can buy a Bharti AXA insurance policy?  

    Ans: Any person between the age of 91 days and 65 years can buy a Bharti AXA insurance policy. However, the eligibility criteria can vary depending on the type of insurance you want to buy from Bharti AXA General Insurance Company.
  • Q2. What kind of policies does Bharti AXA General Insurance Company offer online?

    Ans: Bharti AXA General Insurance offers a wide range of insurance products to the public. You can purchase an insurance policy from Bharti AXA in the following categories:
    • Motor Insurance, including car insurance and two wheeler insurance
    • Health Insurance
    • Travel Insurance
    • Home Insurance
    • SME Package Insurance
    • Commercial Lines Insurance
    • Pradhan Mantri Fasal Bima Yojana
  • Q3. How can I buy Bharti AXA health insurance plans?

    Ans: You can buy Bharti AXA health insurance plans online or offline. Follow the procedures given below to buy Bharti AXA health insurance plans:

    Online Process:

    • Visit the website offering Bharti AXA health insurance plans
    • Go to the Bharti AXA health insurance plan page that you want to buy
    • Fill up the available form with the required details, such as age and contact details
    • Pay the health insurance premium
    • Bharti AXA Insurance will send your policy document on the registered email id

    Offline Process:

    To purchase the Bharti AXA health plans offline, you need to reach out to the nearest branch of Bharti AXA General Insurance or an insurance agent. You will be given a proposal form to provide your details. Once you submit the form, you will be required to pay the health insurance premium amount. After the premium is paid, Bharti AXA Insurance will send your policy document within a few days. Meanwhile, you can check your Bharti AXA policy status by calling the customer care numbers.
  • Q4. What are the benefits of buying Bharti AXA Car Insurance online?

    Ans: There are a lot of benefits of buying Bharti AXA Car Insurance policy online. Take a look:
    • It saves a lot of time.
    • It is more convenient as you can buy it at home.
    • It involves minimal paperwork.
    • It can help save on your car insurance premium.
    • The policy is issued almost instantly.
  • Q5. Where can I find the complete list of cashless garages and claim form of Bharti AXA?

    Ans: You can find the Bharti AXA claim form and detail list of network garages by visiting the website of Bharti AXA General Insurance. You can download the Bharti AXA claim form, fill in the details and submit it with other supporting documents.
  • Q6. What is a claim settlement ratio?

    Ans: Claim Settlement Ratio or CSR refers to the total number of claims provided by an insurance company in a year in comparison to the total number of claims received. For example, the Claim Settlement Ratio of Bharti AXA Motor Insurance is 94.06% as mentioned on the company’s official website. 
  • Q7. What can be reasons for rejecting a health insurance claim?

    Ans: Bharti AXA General Insurance may reject or deny a health insurance claim if the claim arises out of ailments or expenses that are excluded under your Bharti AXA health insurance policy. The insurance company is not liable to pay for any medical expenses that are not covered as per the terms and conditions of the policy.
  • Q8. How can I avail cashless hospitalization facility?

    Ans: To avail cashless hospitalization facility under your Bharti AXA health insurance policies, you need to get admitted at one of the empanelled hospitals of the insurance company. This is because the cashless treatment facility is available only at network hospitals of the insurance provider.
  • Q9. How can I manage my travel insurance renewal online?

    Ans: To manage your Bharti AXA travel insurance renewal effectively online, you can set up a reminder to renew your policy before the expiry date. Bharti AXA General Insurance and insurance broker websites remind their customers to renew their policies ahead of the expiry date. Moreover, travel insurance can be effortlessly renewed online by providing the details of the previous policy, travel details and paying the premium amount online.

Bharti AXA General Insurance News

  • ICICI Lombard Plans to Acquire Bharti AXA General Insurance

    ICICI Lombard General Insurance is currently in advanced talks to acquire its competitor Bharti AXA General Insurance, sources aware of the matter said. The insurance assets of the two companies will be merged in a stock deal worth Rs 2500 to Rs 2800.

    As per reports, ICICI Lombard will acquire all the stakes of Bharti AXA General Insurance, owned by Bharti Enterprises with 51% per cent and France-based insurer AXA Group with 49 per cent stakes.

    Both the companies are willing for the merger and are presently believed to be negotiating the value of Bharti AXA, the source said. The merger will most likely be announced in the coming week.

    The acquisition by ICICI Lombard comes at a time when the insurance industry is witnessing a slump due to the COVID-19 pandemic and the resultant economic slowdown.

    Moreover, the merger will lead to AXA Group making an exit from the Indian insurance industry.

    With a market share of 8.4 per cent, ICICI Lombard has underwritten a gross premium of Rs 3302.19 crore in the second quarter of 2020, which is 5.3 per cent lower than that in 2019 for the same quarter. The weaker gross premium in 2020 is believed to be a result of the overall industry slowdown.

    On the other hand, Bharti AXA recorded a gross premium of Rs 508.93 crore during the June quarter which led to a 12% drop vis-a-vis the gross premium in 2019 for the same quarter.

    ICICI Lombard, which is the largest private general insurance company in India, has 51.89 per cent stakes owned by the ICICI Bank.

  • Around 25% People Need Health, Protection, and Critical Illness Cover in Single Insurance Policy: Says Bharti AXA Survey

    The coronavirus pandemic has completely altered the landscape of health and life insurance policies. People now have started considering health insurance seriously and are preferring term insurance policies over other plans.

    In the middle of growing vulnerabilities of human life in the time of COVID – 19 and consecutive lockdown, it is found that approximately 25% of people want an inclusive insurance plan for hospitalization, critical illness, and protection, as per a survey by Bharti AXA.

    However, 17% of people want to keep health and life insurance separately and around 25% of people have polled that it is significant to have an overarching insurance policy that has all the coverage in such unpredictable times. They have found it as a requirement of an hour to fight such unusual situations of life as per the survey that comprehended the feelings of people during COVID – 19 outbreak and lockdown period of three-months.

    Approximately 25% of people are thinking of getting a life insurance plan, while the same number of people want to have a health insurance policy in coronavirus induced a new way of living. This is because in this new way the cost of medical treatment has risen and regular income has disturbed.

    Approximately 30% of the salaried people were willing to have additional insurance plans as against 18% who are self-employed have noted the survey of Bharti AXA having sample size taken of more than 2, 300 people.

    In addition to this, it has pointed out that more than 50% of people were as well fearful because of economic loss, especially for economically weaker sections.

    The coronavirus pandemic has brought forward the human vulnerabilities, wherein life insurance has come at the top. The demand for a comprehensive health insurance plan has gained the utmost attention. If we talk about the mindset of people towards health insurance, then it has changed noticeably during the lockdown period of COVID-19.

    Finalizing a health insurance plan has come up as a preferred choice for approximately half of the people who responded in this survey. It also indicated a new market for the products of health insurance.

    While talking about health insurance further, the survey reveals that 50.4% of the customers want to have health products where the rates are fixed for the coming five to 10 years. It is to be noted that there has been a significant increase in the premiums of health insurance policies.

    Short-term insurance plans have appeared as a new choice in uncertain times such as COVID-19 pandemic. The ultimate truth of the health insurance plans is seen at the time of claim, the survey further indicates.

    The pandemic of COVID-19 has completely changed the scenario of health and life insurance plans. People now are considering life and health insurance plans more seriously and are preferring these policies over others. The experts of the insurance industry are having a view that the new sentiments of the consumers that are seen at the time of lockdown will continue even after the pandemic.

  • BHARTI AXA General Insurance to offer ‘pay as you drive’ motor insurance policy

    Bharti AXA General Insurance is now offering a new usage-based motor insurance policy for the people who are private car owners under the Insurance Regulatory and Development Authority of India Sandbox project. The general insurance has recently tied up with the biggest insurance aggregator of India, Policybazaar.com.

    In simple terms, the idea behind the usage-based motor insurance policy which is also known as ‘pay as you drive’ is to allow the policyholder to pay the premium based on the kilometers driven.

    The proposal sent by Bharti AXA General Insurance was shortlisted by IRDAI (Insurance Regulatory and Development Authority of India) for the regulatory sandbox project. This product is surely going to benefit people who usually drive less as the name itself suggests, ‘Pay as You Drive’. It would be also ideal for people who are having multiple vehicles and they usually don’t use much which results in not paying a higher premium amount.

    People who opt for public transport on a daily basis can also benefit from this new product offered by the insurance company.

Written By: PolicyBazaar - Updated: 23 September 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 254 Reviews)
Bharti AXA General Insurance Reviews & Ratings
4.3 / 5 (Based on 254 Reviews)
(Showing Newest 15 reviews)
Sanobar
Dabugam, September 25, 2020
Instant insurance
I have got my car insurance policy instantly. It was quick and swift. Igot my soft copy within 10 minutes of purchase of the policy. Thank you bharti axa.
Sagar
Dabugam, September 24, 2020
Less documentation
The documents work needs to be done very carefully and it can be done online with the help of policybazaar.
Saeed
R.k.nagar, September 24, 2020
Coverage
My bharti axa home insurance policy which I bought from the policybazaar has provided with lot of coverage and additional benefits. Thank you so much policybazaar.
Promit
Vadali, September 24, 2020
Save a lot
I have save a lot more money to get the car insurance plan from the bharti axa. It is one of the amazing plan and I really like it. I checked and compared a lot more plans. Thank you bharti axa.
Prasham
Vadakara, September 23, 2020
Bought the plan easily
I recently got the car insurance policy from the bharti axa. I really like the plan and have bought it to secure the life if my car met with an accident or something unforeseen happens. Thank you team bharti axa.
Phalgun
Vadali, September 22, 2020
EMI system
When I got the car insurance policy from the bharti axa I have received the EMI system to pay my premium amount. It is easy and quick and helps me to make the easy payments. Thanks to bharti axa.
Paramartha
Vadali, September 21, 2020
Less rate of premium
The premium rate of the car insurance policy which I bought from the bharti axa is much affordable and easy rates. I got it done and I am much happy because I received the best plans.
Harvey
Bhabhar, September 18, 2020
Online policy
I have got the car insurance policy online by checking some of the plans online into the website of the bharti axa. I chose the best one for my car. Thank you policybazaar.
Aayansh
Baarod, September 16, 2020
24*7 support
I have got the best customer care support from the bharti axa and it was the best. I can contact the customer care team of bharto axa at any point of time. Thanks to whole team.
Jaxton
N.paravur, September 15, 2020
Cashless claim
I have recently got the cashless claim facilities from the bharti axa. I got the best thing from the team and they are the best. Thank you so much team bharti axa.
Arlo
Habra, September 14, 2020
Minimum documents work
While I got my car insurance policy from the bharti axa I received a very good service by them. The documentation work was minimum in nature and it easy to understand. Thank you bharti axa.
Corbin
East Midnapore, September 14, 2020
Good plans
I have recently got my car cover from the bharti axa and it is one of the amazing plans. The car plans are good and easy to use. It gives proper coverage to me and my car. I really like the plan given by the bharto axa. Thank you team.
Arivalagan
Bablabona, September 11, 2020
Affordable in nature
The premium rate of the bharti axa home insurance which I bought two months back from the plicybazaar is very good and it has provided me with several benefits.
Arindam
Babhleshwar, September 11, 2020
Good plan
I have recently got the bharti axa home insurance policy from the policybazaar. It is one of the best thing I found into the website of the policybazaar very useful. Thank you so much team.
Anshuman
Padampur, September 11, 2020
Comprehensive plans
I have got the car insurance policy and that too was the comprehensive plan. It was easy and I really like it. It covers the damages and the injuries which can occur during the time of the accident. Thank you bharti axa.
Marcus
Odagoan, September 10, 2020
Claim settled
My claim was settled in less than 5 days. It was so good that the whole team understood my problem and immediately start working on my case. Thanks to whole team of Bharti axa.
King
Hadol, September 10, 2020
Renew it easily
Last year I took the car insurance policy from the bharti axa and this year I renewed it with the help of their mobile application. That’s was so quick and hassle free. Thanks team.
Adit
Vadali, September 08, 2020
Personal accident cover
I have got the personal accident coverage along with the car insurance policy which I have taken from the bharti axa Thanks to the whole team of Bharti axa.
Aachman
Fakirpur, September 07, 2020
Third party coverage
I have recently got the third party car insurance policy from the bharti axa. It has given me the coverage and also to the opposite party. Thanks team.
Lekha
Ichalkaranji, September 01, 2020
Personal accident coverage
I have got the car insurance plan for my new car recently. It was done from the bharti axa car insurance company. The customer care team also suggested me to get the personal accident coverage too for the safety of me or the driver. I took it and now I am highly happy and the satisfied with the services of the same. Thank you.
Kashika
West Tripura, August 31, 2020
Customer care team
The customer care team of the bharti axa is too good. I was not able to get the proper policy copy of my car insurance and contacted them. Within 24 hours they provided me with the soft and the hard copy of my car plan. They are really quick and superb. Thank you so much team bharti axa.
Gitali
Trichy, August 28, 2020
Cashless garage
The bharti axa team has the associations with round about 4500+ cashless garages. And that’s why I chose them as it would be more convenient for me to get the repair work done from them. Thanks team for such good services and the assistance.
Mahi
Dabhoda, August 27, 2020
Top insurer company
One of my friend suggested me to get the car insurance policy from the bharti axa. It is such an amazing company and he told me that the company comes under the list of top insurers for the car. I was highly impressed and started looking for the car plan. Thank you team.
Dijul
Ichalkaranji, August 26, 2020
Better plans
I have taken the car insurance policy from the bharti axa car insurance company. It is really a wonderful plan for me and my car. I have search for various good plans into the same and got the right one with the help of the bharti axa.
Iliyas
Gadag, July 09, 2020
Easy claims settle
I had filed a claim for my mother’s health insurance. It is easy to file the claim. I just contacted the customer care of bharti axa and told them about the situation and presented all the documents in the regard of the same. The team immediately start working on my case and my claim was settled in less than 2 days. It was a good gesture by team that they helped me in such odd time. I am really much thankful to the team of policybazaar and bharti axa for such best assistance.

Top Articles

National Insurance Policy Renewal and Online Payment Process

National Insurance Policy Renewal and Online Payment Process

National Insurance Company allows its customers to pay the premium online. You can easily buy National Insurance policy online and also renew it using NICL Online Payment channel. This article will help you understand the ways to pay the premium fo...
How to Download Tata AIG Policy?

How to Download Tata AIG Policy?

Insurance becomes a necessary buy these days, considering the soaring inflation and ever grown cases of eventualities. An insurance policy offers you the much-needed financial shield in the hour of need. Indian insurance market is flooded with insu...
Top General Insurance Companies with Best Claim Settlement Rate

Top General Insurance Companies with Best Claim Settlement Rate

An individual goes to work to earn money so as to live a comfortable life, fulfil his family’s needs and secure his and his family’s future. He also envisions his family’s life after him and therefore purchases a life insurance policy that of...
How to Check New India Assurance Company Claim Status?

How to Check New India Assurance Company Claim Status?

The risk of uncertainty encircles your life and property. In the event of any financial or non-financial loss, only insurance will support you and your family to minimize the damage. In your endeavour to choose the helpful insurance policy for you,...
7 Common Questions and Answers about General Insurance

7 Common Questions and Answers about General Insurance

Gone are the days when you have insurance policies only for health and life, today when you have so many valuable assets, there are insurance policies for everything. From car to home to business, you have the insurance policies for everything. In ...
 
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL