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Bharti AXA SmartDrive Two Wheeler Insurance Policy

What is the Plan all About?

SmartDrive Two Wheeler Insurance Policy is a comprehensive policy that provides protection against third-party liability arising out of an unfortunate eventuality. This policy also covers auto-cycles and mechanically assisted pedal cycles.

Key Features

  • Third party liability cover
  • Accidental damage cover to the vehicle
  • Cover financial losses for damaged/stolen bike
  • Personal Accident Cover for Owner - Driver
  • Add-on covers are available to enhance protection
  • Enjoy easy & quick 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.

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.

Additional Covers

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

  • Depreciation Cover- Two Wheeler: It 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.

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
  • Vehicle being used otherwise than in accordance with the Limitations specified
  • Mechanical and electrical breakdown, failure or breakage
  • Nuclear perils
  • War, invasion, act of foreign enemy, etc.