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SmartDrive Two Wheeler Insurance from Bharati AXA General Insurance

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