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Bharti AXA Two Wheeler Long Term - Package Policy

What is the Plan all About?

Two Wheeler Long Term - Package Policy provides comprehensive cover for the vehicle insured and it also covers third-party liability expenses. This two wheeler insurance policy provides cover for a longer tenure of 2 years or 3 years, so you don’t need to worry about renewing the policy every year.

Key Features

  • Loss/damage cover for the vehicle insured
  • Cover for Third party liability
  • Personal Accident Cover for Owner cum Driver
  • Additional covers to enjoy enhanced protection
  • No Claim Bonus benefit is available
  • Quick & hassle-free claims settlement with 2500+ cashless garages

What are the Plan Benefits?

Own Damage Cover

    Loss or damage to the vehicle insured and/or its accessories are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

    Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured and this cover is available upto Rs 6,000. You also have the option to avail discount on premium, in case you don’t opt for third-party property damage cover.

Personal Accident Cover for Owner - Driver

    In case of bodily injury/death caused to the owner-driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

    For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

    This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.


    The insured is entitled to receive No Claim Bonus at the time of renewal as per the NCB percentage applicable which include 20%, 25%, 35%, 45% & 50%.

Additional Covers

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

  • Depreciation Cover: This cover pays the depreciation amount deducted on the value of the parts replaced for up to 2 admissible claims, in case of loss or damage to the vehicle insured.
  • Personal accident covers are available as add-on.
  • This policy also provides riders to cover against ‘Damage to electrical & non-electrical accessories’ and ‘Legal liability to persons employed’.

Major Exclusions

Following are the conditions that are not covered under this policy:

  • Consequential loss
  • Depreciation, wear and tear
  • Drunken driving
  • Vehicle is used outside the geographical area
  • Driven by a person other than stated in the driver’s clause
  • Vehicle being used otherwise than in accordance with the Limitations specified
  • Radioactivity from any nuclear fuel or nuclear waste
  • War perils, nuclear perils, etc.