Simple and comprehensive Bharati AXA’s SmartDrive Two Wheeler Insurance Policy shields you from different types of liabilities and loss. Its coverage also includes pedal assisted cycles and auto-cycles.
Policy Coverage Inclusions:
1. Accidental vehicular damage due to:
- Vandalism acts like terrorism, strikes, riots; natural disaster like floods, earthquakes, cyclones, inundation
- During transit by air, rail, road, or elevator
2. Liability coverage for:
- Physical injury or death to third party
- Property damage of a third party
Optional extra coverage at additional premium for:
- Damage or loss toward non-electrical and electrical accessories
- Personal accident cover for the Insured or nominated persons or passengers
- Legal liability cover to persons employees – paid cleaners & chauffeurs
Claimable events payable under policy:
1. Accidental Damage Section:
- Damage to all fibre glass parts; rubber & plastic parts & tyres (subject to condition of Indian motor Tariff)
- Actual expenses for replacement / repairs subject to Sum Insured
- Charges for towing and garage services subject to maximum of Rs. 1500/-
2. Liability Section:
- A must have personal accident compensation for owner driver.
- Physically injury or death to third parties subject to condition in Motor Vehicles Act
- If opted – paid chauffer get personal accident compensation
- Property damage of third party subject to maximum of Rs. 750,000/-
- All expenses borne with written approval from Company
Policy Exclusions:
- Consequential loss from wear and tear or breakdowns
- Loss due to wars – civil, nuclear, or driving with invalid driving license