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A Motor Insurance policy is the most necessary thing that one requires for driving a vehicle on the roads in India. When it comes to buying a motor insurance plan there are many ways to do so. You can buy it online as well as through various offline ways.
In offline buying, the documents of the insurance policy are mailed by the insurance company to the registered address of the policyholder within days of purchase of the policy. On the other hand, in case of online policies the car insurance documents can be downloaded and used whenever required, even if the hard copy is not there.
If you are considering a Bharti AXA Car Insurance Policy for your vehicle and need support in the step by step downloading procedure, we are guiding you about the same in this post.
But before that, let us discuss the various car insurance policies offered by Bharti AXA General Insurance Company.
Bharti AXA General Insurance Company ltd. offers three major kinds of vehicle insurance plans including Bharti AXA Third party private car policy, Bharti AXA Stand-Alone Own Damage Private Car Policy, and Bharti AXA Private Car Package Policy.
Let us understand them better in the table below:
|Types of Car Insurance Offered By Bharti AXA
|Personal Accident Cover
|Bharti AXA Third Party Private car Policy
|Bharti AXA Third party car insurance policy offers coverage against third-party liabilities caused due to accidents involving third-party vehicles and causing third-party damages. This policy covers third-party bodily injuries, third-party property damages as well as death caused due to third-party accidents.
Under Bharti AXA four-wheeler insurance plan, up to INR 7.5 lakh is offered as liability for the third-party property damages. The liability against third-party bodily injuries and death under this plan is unlimited.
|Another benefit of Bharti AXA Third party private car policy is that it offers a Personal Accident cover worth INR 15 lakh to the insured.
Having a personal accident policy is compulsory for every car owner in India. However, this coverage is not meant for damages caused to the insured car, but the driver/owner only
|Bharti AXA Stand-Alone Own Damage Private Car Policy
|This policy by Bharti AXA covers the damages caused to the insured car due to accidents, natural disasters, man-made catastrophe and so on. This plan is meant for Own-Damages of your car and do not cover any Third-Party Liabilities. Thus, you have to buy a separate Third-Party Policy along with your Bharti AXA stand-alone own-damage private car policy to cover third-party damages.
Though a Stand-Alone Own Damage Private Car Policy is not compulsory but it covers the insured car well against damages.
|Like in the above plan, this policy also offers Personal Accident coverage for the insured.
|Bharti AXA Private Car Package Policy
|The Private Car Package Policy by Bharti AXA secures the insured car against damages arising out of accidents, calamities, fire, man-made disasters and so on. This is a comprehensive plan that covers both third-party liabilities as well as stand-alone own-damages of your car. Hence, it covers all third-party damages including third-party bodily injury, car damages as well as third-party death.
The Bharti AXA Private Car Package Policy is not compulsory but recommended as it allows wide coverage that include both third-party insurance as well as own-damage coverage. Further, the insured can buy add-on riders along with this plan by paying an extra amount.
|Even this plan comes with an additional Personal Accident cover of INR 15 lakh to the insured.
Besides the above, Bharti AXA General Insurance Company also offers a bundled policy for new cars. This policy comes with 3-year third-party liability coverage as well as 1 year stand-alone own damage cover under a single plan.
Downloading the Bharti AXA insurance policy is a simple process involving a few steps. Below are the steps to download a bharti axa car insurance policy:
Once everything goes well, the Bharti AXA four wheeler insurance policy will be issued and the documents will be mailed to your registered email id. Further, you can keep the downloaded copy of the policy document saved in your mobile or laptop.
It is very simple to purchase a car insurance plan online as well as to download the policy papers. Likewise, Bharti AXA car insurance renewal is also very easy via online mode.
To have a valid car insurance policy is necessary for driving a car in India as per the motor laws of the country. However, the documents of the policy can be contained in any form, such as physical copy or soft copy. It is not compulsory to carry a physical copy of the policy all the time. Hence, you can just get the document downloaded and keep a copy of the policy with you safely in your mobile or laptop.
In case the policy documents of your Bharti AXA car insurance policy reaches you with certain faults or wrong details, you can get it resolved soon. You just need to inform the customer care of your insurance company (Bharti AXA) and get it rectified. Having wrong information in your policy might result in your claims getting rejected.
Further, to track the documents and other details of your car insurance policy, you can use the Bharti AXA policy tracker.
It is not always feasible to keep a physical copy of your car insurance policy with you all the time. There is also the fear of losing the papers. Thus, you can trust on the soft copy of your policy documents by simply downloading it and keeping it with you in your mobile.
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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