Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • Car
  • Motor Vehicle Act: For more details on Motor Vehicles (Ammendment) Act 2019, please refer to:
  • Car insurance starting price ₹2072: This premium apply to Motor Third Party Liability Insurance for Private Cars with cubic capacity of less than 1000 cc for a 1 year policy and may vary depending on the cubic capacity of the vehicle
  • Cashless garages count of 4600+ is as on 1 October, 2021.
  • Claim via InstaSpect: Instant approval is subject to policy terms & conditions and type of loss/damage. Approval would be subject to physical survey of the vehicle wherever deemed necessary. The insurer reserves the right to conduct a physical survey in accordance with the regulatory prescriptions. This is not applicable for major loss & TP claims.
  • Preferred network garages services:
    • Pick-up & drop facility for your damaged car within city limits subject to availability of services.
    • Loss assessment survey within 4 hours at preferred network garage.
    • Quality assurance of 6 months or maximum usage up to 6000 km post repairs whichever is earlier. This is applicable only if the claim has been intimated to us first before reporting the vehicle to any other garage. Also not applicable on consequential losses.
  • No Claim Bonus (NCB): No Claim Bonus will only be allowed if the policy is renewed within 90 days of the expiry date of the previous policy and there's no paid/pending claims on the previous policy. It is applicable for own damage section of the policy. Complete transfer of NCB can be done based on NCB reserving letter availed by the customer on the old vehicle provided the insured person remains the same. This will not be over and above the existing NCB in policy. Only either of the two can be taken.
  • Add-on covers: These are available at an additional premium.
    Add-on cover UIN
    Roadside Assistance Service UIN IRDAN115RP0017V01200102/A0027V01201213
    Zero Depreciation Cover UIN IRDAN115RP0017V01200102/A0368V01200910
    NIL Depreciation UIN IRDAN115RP0017V01200102/A0368V01200910
    Garage Cash Cover UIN IRDAN115RP0017V01200102/A0256V01200910
    Tyre Protect UIN IRDAN115RP0017V01200102/A0001V01201819
    Consumable Items UIN IRDAN115RP0017V01200102/A0216V01200910
    NCB Protect UIN IRDAN115RP0017V01200102/A0294V01200910
    Return to Invoice UIN IRDAN115RP0017V01200102/A0329V01200910
    Engine Protect Plus UIN IRDAN115RP0017V01200102/A0015V01201213
    Key Protect UIN IRDAN115RP0017V01200102/A0019V01201213
    Loss of personal belongings UIN IRDAN115RP0017V01200102/A0021V01201213
    EMI Protect UIN- IRDAN115RP0017V01200102/A0001V01202021
  • Roadside Assistance: This add-on cover is available at an additional premium. Complimentary taxi services, towing, flat tyre services will be provided for up to 50 kms beyond which additional charges will be applicable. Accommodation will be provided for only one day with limit of ₹5000 if the breakdown/accident has happened at least 100 kms away from the insured's place and time of repair of the insured vehicle exceeds 12 hours.

    Garage Cash: This add-on cover is available at an additional premium. To avail this, minimum number of days spent in garage should be 2 days, and coverage days can be for up to 14 days. The per-day allowance is ₹500.

    Zero Depreciation: This add-on cover is available at an additional premium depending on the age, make-model, and RT of the vehicle.

What is third party liability cover?

Third party liability insurance covers losses to a third person who is not a party to the insurance contract. The Motor Third Party Insurance covers the following losses:

  • Any permanent injury/death to a person caused by your insured vehicle
  • Any damage caused to the property of some other individual, by your insured vehicle

Do you cover partial theft?

We cover partial theft, as per the terms and condition of your policy. Please note that theft (both partial and complete) is covered under the policy's own damage section.

Can I skip the 15 lakh Personal Accident cover for owner in my policy?

Yes, you can, if you do not have a valid driving license or if your vehicle is registered in the name of a corporate.

What is Road Side Assistance (RSA)?

Road Side Assistance is a cover that provides you with the necessary help in case you are stranded on the road when your car breaks down. For example, breakdown cover may include jump starting an automobile, towing a vehicle, changing a flat tyre, providing a small amount of fuel when a car runs out of it, or helping people locked out of their cars. Please refer to the policy wordings for terms and conditions.

What is Zero Depreciation (ZD) in a car insurance policy?

Usually, when you file a claim under your policy, you have to pay for the cost of depreciation of your car parts. If you opt for Zero Depreciation add on cover (by paying additional premium), we will cover all the repair/replacement costs without factoring the depreciation element.

What is covered under ZD?

The following costs are covered under ZD:
Repair and replacement costs of fiber part, rubber, batteries, air bags, nylon and plastic parts, denting, painting, and fibre glass.

Do we cover engine in ZD?

Yes, we do. However, this benefit is applicable in case of accidental damage to the engine only. In order to cover consequential losses to the engine, you can opt for the Engine Protect Plus add-on.

What is Engine Protect Plus?

It is an add-on, available by paying additional premium. It pays for repair or replacement of an engine, damaged due to water ingression/leakage of lubricating oil.

What is Key Protect cover?

This add-on cover secures your car keys and locks against theft or damage. It pays for repair or replacement of lost or damaged keys and locks, including locksmith charges. You can opt for this cover in your policy by paying a nominal additional premium.

What is Garage Cash cover?

It is an add-on, available by paying additional premium. If your car is under repair in an authorised garage after an accident, we pay a fixed daily allowance. You can use it for alternative transport. Please refer to the policy wordings for terms and conditions.

Do you cover rat bites in the policy?

Yes, we do cover as per terms and conditions.

Do you cover damage due to a hit by a coconut or cricket bat?

Yes, we do cover these damages.

What factors affect my premium amount?

  • The cubic capacity of the engine
  • Age of car
  • Geographical zone
  • Type of model
  • IDV (Insured Declared Value)

What are the different modes of payment on

You can choose between any of these payment options to pay your premium online:

  • Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
  • Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
  • Debit Card – Just enter your bank’s debit card details to pay your insurance premium directly.
  • UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
  • EMI - Use the credit/debit card EMI facility to pay your premium in instalments.

Is there any discount on premium if I install an anti-theft alarm and locking system?

Yes, you can avail a 2.5% discount on Own Damage (OD) premium, subject to a maximum of ₹500. This is applicable if your vehicle is fitted with an anti-theft device approved by the Automobile Research Association of India (ARAI), Pune as per GR 28 of IMT.

Why should I notify my claim to the insurer directly?

Intimate the claim with us before going to the garage & you can get these benefits at our certified preferred garages:
1) Quick survey (within four working hours)
2) Quality assurance for repairs done under claim for six months or 6000 km, whichever is earlier
3) Complimentary vehicle body wash
4) Complimentary sanitisation - on major touch points
5) Complimentary towing at the time of the accident

How do I register my claim?

Contact our toll-free helpline 1800 2666 or use IL Take Care app to register your claim and get a claim number/ reference number. You can also directly register your request online*, with our Lodge A Motor Claim service. *Please note that as of now, we can process only accidental damage claims through the 'Lodge A Motor Claim' interface.

How many times can we claim under car insurance in a year?

You can make any number of claims in the year.

What is a cashless claim and a non-cashless/reimbursement claim?

Cashless claim: Under the cashless claim facility, we pay our share of the vehicle repair charges directly to the garage, provided the vehicle is repaired in our network garage. Non-cashless/Reimbursement: If the vehicle is repaired in a garage outside our network's purview, you will have to pay the repair charges to the garage. You can get your claim amount reimbursed by submitting the original bills and payment receipts to our office.

What is the meaning of deductible?

Deductible refers to the minimum deduction stipulated under motor insurance regulations to be deducted for each claim. This amount is deducted from the claim amount.

How many times can I claim for Roadside Assistance service during the policy period?

You can avail this service for a maximum of four times. You would be able to claim only for the services opted by you at the time of policy issuance.

Will my NCB be impacted if I claim for Loss of Personal Belongings (LOPB) & Key Protect?

No, NCB will not be impacted, in case you have only raised LOPB or Key Protect claims in the year.

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