IRDAI product register · general insurance

Bharti AXA General Insurance Policy Wordings

IRDAI's non-life product register lists 21 Bharti AXA General products and 167 add-ons, approved 2017 to 2021. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.

Bharti AXA General Insurance, its general insurance business passed to ICICI Lombard on 1 April 2021. The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.

Written by Parul Bhargava · Founder and Principal Advisor, advising since 2004

Lines: Fire and property · Shop, office, home and business packages · Engineering · Money, fidelity and crime · Cyber · Credit and political risk · Motor · Crop and rural

Fire and property (3)

Product	UIN	Approved	Policy wording
Latent Defect Insurance	IRDAN139CP0001V01201920	7 May 2019	Wording
Standard Fire & Special Perils Policy 18 add-ons Accidental discharge of Gas Flooding system IRDAN139CP0073V01201819/A0076V01201819 · 27 Nov 2018 Wording Brand, Label and Trademark Clause IRDAN139CP0073V01201819/A0077V01201819 · 27 Nov 2018 Wording Claim preparation costs IRDAN139CP0073V01201819/A0079V01201819 · 27 Nov 2018 Wording Damage to underground services IRDAN139CP0073V01201819/A0080V01201819 · 27 Nov 2018 Wording Documents clause / plans and specifications IRDAN139CP0073V01201819/A0081V01201819 · 27 Nov 2018 Wording Fire Brigarde Charges and Extinguishing Expenses IRDAN139CP0073V01201819/A0084V01201819 · 27 Nov 2018 Wording Goods and stocks undergoing any heating or drying process IRDAN139CP0073V01201819/A0085V01201819 · 27 Nov 2018 Wording Inadvertent Ommissions (property other than stocks) IRDAN139CP0073V01201819/A0086V01201819 · 27 Nov 2018 Wording Landscaping costs IRDAN139CP0073V01201819/A0088V01201819 · 27 Nov 2018 Wording Machinery and Plant undamaged parts IRDAN139CP0073V01201819/A0089V01201819 · 27 Nov 2018 Wording Measures taken in avoidance of damage (sue and Labour) IRDAN139CP0073V01201819/A0090V01201819 · 27 Nov 2018 Wording Non-validation clause IRDAN139CP0073V01201819/A0091V01201819 · 27 Nov 2018 Wording Ommission to Insured additions, alterations or extensions IRDAN139CP0073V01201819/A0092V01201819 · 27 Nov 2018 Wording Outbuilding clause IRDAN139CP0073V01201819/A0093V01201819 · 27 Nov 2018 Wording Smoke damages extension IRDAN139CP0073V01201819/A0094V01201819 · 27 Nov 2018 Wording Start up / shut down expenses IRDAN139CP0073V01201819/A0095V01201819 · 27 Nov 2018 Wording Temporary repairs IRDAN139CP0073V01201819/A0096V01201819 · 27 Nov 2018 Wording Vehicle Load clause IRDAN139CP0073V01201819/A0097V01201819 · 27 Nov 2018 Wording	IRDAN139CP0073V01201819	27 Nov 2018	Wording
Stock Throughput Policy	IRDAN139CP0074V01201819	27 Nov 2018	Wording

Shop, office, home and business packages (3)

Product	UIN	Approved	Policy wording
Smart Plan Business Advantage	IRDAN139RP0031V02200809	12 Apr 2021	Wording
Smart Plan House Holders Package Policy	IRDAN139RP0002V02200910	28 Apr 2021	Wording
Smart Plan Shop Package Policy	IRDAN139RP0003V02200910	12 Apr 2021	Wording

Engineering (1)

Product	UIN	Approved	Policy wording
Single Project Professional Indemnity Insurance (Commercial)	IRDAN139CP0036V01201819	21 Sep 2018	Wording

Money, fidelity and crime (2)

Product	UIN	Approved	Policy wording
Crime Insurance Policy	IRDAN139RP0022V01201920	31 Mar 2020	Wording
Smart Wallet Secure Policy	IRDAN139RP0073V01201819	27 Mar 2019	Wording

Cyber (1)

Product	UIN	Approved	Policy wording
Corporate CyberSure Insurance Policy (Commercial)	IRDAN139CP0035V01201819	20 Sep 2018	Wording

Credit and political risk (1)

Product	UIN	Approved	Policy wording
Trade Credit Insurance Policy	IRDAN139RP0043V02200910	14 Mar 2019	Wording

Motor (9)

Product	UIN	Approved	Policy wording
Smart Drive Motor Warranty Insurance	IRDAN139RP0021V01201920	31 Mar 2020	Wording
Smart Drive Private Car Bundled Cover Insurance (1 Year OD and 3 Years TP) 15 add-ons Ambulance Charges Cover-3 years IRDAN139RP0039V01201819/A0043V01201819 · 4 Oct 2018 Wording Consumables Cover-3 years IRDAN139RP0039V01201819/A0048V01201819 · 4 Oct 2018 Wording Depreciation Cover-3 years IRDAN139RP0039V01201819/A0040V01201819 · 4 Oct 2018 Wording Engine and Gear Box Protection-3 years IRDAN139RP0039V01201819/A0052V01201819 · 4 Oct 2018 Wording Hospital Cash Cover-3 years IRDAN139RP0039V01201819/A0041V01201819 · 4 Oct 2018 Wording Hydrostatic Lock Cover-3 years IRDAN139RP0039V01201819/A0047V01201819 · 4 Oct 2018 Wording Invoice Price cover-3 years IRDAN139RP0039V01201819/A0044V01201819 · 4 Oct 2018 Wording Key replacement cover-3 years IRDAN139RP0039V01201819/A0053V01201819 · 4 Oct 2018 Wording Medical Expense Reimbursement-3 years IRDAN139RP0039V01201819/A0042V01201819 · 4 Oct 2018 Wording NCB Protection-One Slab Down Cover-3 years IRDAN139RP0039V01201819/A0046V01201819 · 4 Oct 2018 Wording NCB Protection-Same Slab Cover-3 years IRDAN139RP0039V01201819/A0045V01201819 · 4 Oct 2018 Wording Outstanding Loan Cover-3 years IRDAN139RP0039V01201819/A0049V01201819 · 4 Oct 2018 Wording Roadside Assistance-3 years IRDAN139RP0039V01201819/A0054V01201819 · 4 Oct 2018 Wording Rodent bite cover-3 years IRDAN139RP0039V01201819/A0050V01201819 · 4 Oct 2018 Wording Towing Charges- Lump sum limits-3 years IRDAN139RP0039V01201819/A0051V01201819 · 4 Oct 2018 Wording	IRDAN139RP0039V01201819	30 Aug 2018	Wording
Smart Drive Private Car Liability only Insurance 3 Years	IRDAN139RP0035V01201819	30 Aug 2018	Wording
Smart Drive Private Car Package Insurance (3 Years OD and 3 Years TP) 15 add-ons Ambulance Charges Cover-Bundled IRDAN139RP0037V01201819/A0058V01201819 · 4 Oct 2018 Wording Consumables Cover-Bundled IRDAN139RP0037V01201819/A0063V01201819 · 4 Oct 2018 Wording Depreciation Cover-Bundled IRDAN139RP0037V01201819/A0055V01201819 · 4 Oct 2018 Wording Engine and Gear Box Protection-Bundled IRDAN139RP0037V01201819/A0067V01201819 · 4 Oct 2018 Wording Hospital Cash Cover-Bundled IRDAN139RP0037V01201819/A0056V01201819 · 4 Oct 2018 Wording Hydrostatic Lock Cover-Bundled IRDAN139RP0037V01201819/A0062V01201819 · 4 Oct 2018 Wording Invoice Price cover-Bundled IRDAN139RP0037V01201819/A0059V01201819 · 4 Oct 2018 Wording Key replacement cover-Bundled IRDAN139RP0037V01201819/A0068V01201819 · 4 Oct 2018 Wording Medical Expense Reimbursement-Bundled IRDAN139RP0037V01201819/A0057V01201819 · 4 Oct 2018 Wording NCB Protection-One Slab Down Cover-Bundled IRDAN139RP0037V01201819/A0061V01201819 · 4 Oct 2018 Wording NCB Protection-Same Slab Cover-Bundled IRDAN139RP0037V01201819/A0060V01201819 · 4 Oct 2018 Wording Outstanding Loan Cover-Bundled IRDAN139RP0037V01201819/A0064V01201819 · 4 Oct 2018 Wording Roadside Assistance-Bundled IRDAN139RP0037V01201819/A0069V01201819 · 4 Oct 2018 Wording Rodent bite cover -Bundled IRDAN139RP0037V01201819/A0065V01201819 · 4 Oct 2018 Wording Towing Charges- Lump sum limits-Bundled IRDAN139RP0037V01201819/A0066V01201819 · 4 Oct 2018 Wording	IRDAN139RP0037V01201819	30 Aug 2018	Wording
Smart Drive Private Car Stand-Alone Own Damage Insurance 15 add-ons Ambulance Charges Cover IRDAN139RP0001V01201920/A0006V01201920 · 17 Jul 2019 Wording Consumables Cover IRDAN139RP0001V01201920/A0011V01201920 · 17 Jul 2019 Wording Depreciation Cover IRDAN139RP0001V01201920/A0003V01201920 · 17 Jul 2019 Wording Engine and Gear Box Protection IRDAN139RP0001V01201920/A0015V01201920 · 17 Jul 2019 Wording Hospital Cash Cover IRDAN139RP0001V01201920/A0004V01201920 · 17 Jul 2019 Wording Hydrostatic Lock Cover IRDAN139RP0001V01201920/A0010V01201920 · 17 Jul 2019 Wording Invoice Price cover IRDAN139RP0001V01201920/A0007V01201920 · 17 Jul 2019 Wording Key Replacement cover IRDAN139RP0001V01201920/A0016V01201920 · 17 Jul 2019 Wording Medical Expense Reimbursement IRDAN139RP0001V01201920/A0005V01201920 · 17 Jul 2019 Wording NCB Protection-One Slab Down Cover IRDAN139RP0001V01201920/A0009V01201920 · 17 Jul 2019 Wording NCB Protection-Same Slab Cover IRDAN139RP0001V01201920/A0008V01201920 · 17 Jul 2019 Wording Outstanding Loan Cover IRDAN139RP0001V01201920/A0012V01201920 · 17 Jul 2019 Wording Roadside Assistance IRDAN139RP0001V01201920/A0017V01201920 · 17 Jul 2019 Wording Rodent Bite cover IRDAN139RP0001V01201920/A0013V01201920 · 17 Jul 2019 Wording Towing Charges IRDAN139RP0001V01201920/A0014V01201920 · 17 Jul 2019 Wording	IRDAN139RP0001V01201920	17 Jul 2019	Wording
Smart Drive Two Wheeler Bundled Cover Insurance (1 Year OD and 5 Years TP) 1 add-on Depreciation Cover-Bundled IRDAN139RP0040V01201819/A0070V01201819 · 4 Oct 2018 Wording	IRDAN139RP0040V01201819	30 Aug 2018	Wording
Smart Drive Two Wheeler Liability only Insurance 5 Years	IRDAN139RP0036V01201819	30 Aug 2018	Wording
Smart Drive Two Wheeler Package Insurance (5 Years OD and 5 Years TP) 1 add-on Depreciation Cover-5 years IRDAN139RP0038V01201819/A0071V01201819 · 4 Oct 2018 Wording	IRDAN139RP0038V01201819	30 Aug 2018	Wording
Smart Drive Two Wheeler Stand-Alone Own Damage Insurance 1 add-on Depreciation Cover IRDAN139RP0002V01201920/A0018V01201920 · 17 Jul 2019 Wording	IRDAN139RP0002V01201920	17 Jul 2019	Wording

Crop and rural (1)

Product	UIN	Approved	Policy wording
Pradhan Mantri Fasal Bima Yojana	IRDAN139P0001V01201718	6 Jun 2017	Wording

Add-ons filed on their own (101)

Add-ons whose parent product is not itself in the register, or which were filed without one.

Add-on	UIN	Approved	Policy wording
Accidental Damage Cover Clause--Add on cover under SFSPP	IRDAN139A0006V01201718	1 Aug 2017	Wording
Additional Custom Duty Clause	IRDAN139A0002V01201819	11 May 2018	Wording
Additional Custom Duty Clause	IRDAN139A0003V01201819	11 May 2018	Wording
Additional Custom Duty Clause	IRDAN139A0002V01201819	11 May 2018	Wording
Additional Custom Duty Clause	IRDAN139A0003V01201819	11 May 2018	Wording
Additional Increased Cost of working	IRDAN139A0015V01201819	17 May 2018	Wording
Additional Insured Clause	IRDAN139A0004V01201819	11 May 2018	Wording
Aggravation Clause	IRDAN139A0005V01201819	11 May 2018	Wording
Aggravation Clause	IRDAN139A0006V01201819	11 May 2018	Wording
Aggravation Clause	IRDAN139A0005V01201819	11 May 2018	Wording
Aggravation Clause	IRDAN139A0006V01201819	11 May 2018	Wording
Automatic Extension clause--Add on cover under Fire	IRDAN139A0015V01201718	19 Sep 2017	Wording
Automatic Extension Clause--Add on cover under IAR	IRDAN139A0010V01201718	19 Sep 2017	Wording
Automatic Reinstatement clause above 10% of Sum Insured	IRDAN139A0034V01201819	22 Jun 2018	Wording
Brand and Trademark Clause--Add on cover under IAR	IRDAN139A0059V01201718	28 Mar 2018	Wording
Breakage of Fixed Glass and Outdoor Signs--Add on cover under Business Advantage	IRDAN139A0035V01201718	29 Sep 2017	Wording
Breakage of Fixed Glass and Outdoor Signs--Add on cover under Fire	IRDAN139A0030V01201718	21 Sep 2017	Wording
Broad Water Damage Clause	IRDAN139A0029V01201819	6 Jun 2018	Wording
Burglary Extension Clause--Add on cover under SFSPP	IRDAN139A0036V01201718	29 Sep 2017	Wording
Capital Additions - 10%	IRDAN139A0001V01201819	2 Apr 2018	Wording
Civil Authorities Clause	IRDAN139A0030V01201819	6 Jun 2018	Wording
Claim Preparation Cost--Add on cover under IAR	IRDAN139A0050V01201718	28 Mar 2018	Wording
Contamination and Co-mingling of stocks	IRDAN139A0022V01201819	22 May 2018	Wording
Contamination and Co-mingling of Stocks	IRDAN139A0023V01201819	22 May 2018	Wording
Contract Works	IRDAN139A0024V01201819	22 May 2018	Wording
Contract Works	IRDAN139A0025V01201819	22 May 2018	Wording
Cost of Cleaning up and other cost clause	IRDAN139A0007V01201819	11 May 2018	Wording
Cost of Cleaning up and other cost clause	IRDAN139A0008V01201819	11 May 2018	Wording
Cost of Cleaning up and other cost clause	IRDAN139A0007V01201819	11 May 2018	Wording
Cost of Cleaning up and other cost clause	IRDAN139A0008V01201819	11 May 2018	Wording
Cost of Rewriting Records--Add on cover under Fire	IRDAN139A0043V01201718	28 Mar 2018	Wording
Cost of Rewriting Records--Add on cover under IAR	IRDAN139A0044V01201718	28 Mar 2018	Wording
Decontamination Expenses Clause--Add on cover under Fire	IRDAN139A0016V01201718	19 Sep 2017	Wording
Decontamination Expesnes Clause--Add on cover under IAR	IRDAN139A0017V01201718	19 Sep 2017	Wording
Deferred Payment Clause --Add on cover under Fire	IRDAN139A0058V01201718	28 Mar 2018	Wording
Deliberate Damage Clause--Add on cover under Fire	IRDAN139A0045V01201718	28 Mar 2018	Wording
Deliberate Damage Clause--Add on cover under IAR	IRDAN139A0046V01201718	28 Mar 2018	Wording
Electrical Clause/Electrical Installation Clause--Add on cover under SFSPP	IRDAN139A0007V01201718	1 Aug 2017	Wording
Employee Personal Property Cover--Add on cover under Fire	IRDAN139A0031V01201718	21 Sep 2017	Wording
Expediting Expenses Clause--Add on cover under IAR	IRDAN139A0051V01201718	28 Mar 2018	Wording
Expenses for Loss Minimisation--Add on cover under Business Advantage	IRDAN139A0040V01201718	29 Sep 2017	Wording
Expenses for Loss Minimisation--Add on cover under IAR	IRDAN139A0041V01201718	29 Sep 2017	Wording
Expenses for Loss Minimisation--Add on cover under SFSPP	IRDAN139A0042V01201718	29 Sep 2017	Wording
Fire Brigade Charges and Expediting Expenses--Add on cover under IAR	IRDAN139A0060V01201718	28 Mar 2018	Wording
Fire Fighting Expenses	IRDAN139A0016V01201819	17 May 2018	Wording
Fire Fighting Expenses	IRDAN139A0017V01201819	17 May 2018	Wording
Fire Fighting Expenses	IRDAN139A0018V01201819	17 May 2018	Wording
Floater Insurance - Unspecified Location--Add on cover for SFSPP	IRDAN139A0008V01201718	1 Aug 2017	Wording
Group Interdependency Clause--Add on cover under IAR	IRDAN139A0052V01201718	28 Mar 2018	Wording
Immediate Repair Clause--Add on cover under Fire	IRDAN139A0027V01201718	21 Sep 2017	Wording
Immediate Repair Clause--Add on cover under IAR	IRDAN139A0028V01201718	21 Sep 2017	Wording
Inadvertent Omission (Property other than Stocks)--Add on cover under IAR	IRDAN139A0053V01201718	28 Mar 2018	Wording
Inland Transit Clause--Add on cover under IAR	IRDAN139A0032V01201718	21 Sep 2017	Wording
Involuntary Betterment Clause--Add on cover under IAR	IRDAN139A0054V01201718	28 Mar 2018	Wording
Leak Search and Finding Cost--Add on cover under Fire	IRDAN139A0019V01201718	19 Sep 2017	Wording
Leak Search and Finding Cost--Add on cover under IAR	IRDAN139A0018V01201718	19 Sep 2017	Wording
Loss Minimization Expenses	IRDAN139A0026V01201819	28 May 2018	Wording
Loss Minimization Expenses	IRDAN139A0026V01201819	28 May 2018	Wording
Loss of Rent due to damage of tank, godowns, gas holders, bullets	IRDAN139A0032V01201819	11 Jun 2018	Wording
Loss of Rent due to damage of tank, godowns, gas holders, bullets	IRDAN139A0033V01201819	22 Jun 2018	Wording
Loss Payee Clause	IRDAN139A0009V01201819	11 May 2018	Wording
Loss Payee Clause	IRDAN139A0010V01201819	11 May 2018	Wording
Loss Payee Clause	IRDAN139A0011V01201819	11 May 2018	Wording
Minor Works Coverage Extension--Add on cover for SFSPP	IRDAN139A0009V01201718	1 Aug 2017	Wording
Minor Works Coverage Extension--Add oncover for Fire material damage of IAR policy	IRDAN139A0004V01201718	1 Aug 2017	Wording
Modification cost/Incompatibility expenses	IRDAN139A0012V01201819	11 May 2018	Wording
Modification Cost/Incompatibility Expenses	IRDAN139A0013V01201819	11 May 2018	Wording
Modification cost/Incompatibility expenses	IRDAN139A0012V01201819	11 May 2018	Wording
Modification Cost/Incompatibility Expenses	IRDAN139A0013V01201819	11 May 2018	Wording
Non Vitiation Clause--Add on cover under Business Advantage	IRDAN139A0037V01201718	29 Sep 2017	Wording
Non Vitiation Clause--Add on cover under IAR	IRDAN139A0039V01201718	29 Sep 2017	Wording
Non Vitiation Clause--Add on cover under SFSPP	IRDAN139A0038V01201718	29 Sep 2017	Wording
Obsolete Equipment Clause	IRDAN139A0020V01201819	17 May 2018	Wording
Obsolete Equipment Clause	IRDAN139A0021V01201819	17 May 2018	Wording
Obsolete Parts Clause--Add on cover under Fire	IRDAN139A0033V01201718	21 Sep 2017	Wording
Obsolete Parts Clause--Add on cover under IAR	IRDAN139A0034V01201718	21 Sep 2017	Wording
Pair and Set clause/consequential reduction in value --Add on cover under Fire	IRDAN139A0025V01201718	21 Sep 2017	Wording
Pair and Set clause/consequential reduction in value --Add on cover under IAR	IRDAN139A0026V01201718	21 Sep 2017	Wording
Partial Waiver of Underinsurance--Add on cover for SFSPP	IRDAN139A0003V01201718	1 Aug 2017	Wording
Plans, Documents & Computer Systems Records--Add on cover under IAR	IRDAN139A0055V01201718	28 Mar 2018	Wording
Prevention of Access--Add on cover under IAR	IRDAN139A0056V01201718	28 Mar 2018	Wording
Primary and Non Contributory Cover--Add on cover under Business Advantage	IRDAN139A0020V01201718	19 Sep 2017	Wording
Primary and Non Contributory cover--Add on cover under Fire	IRDAN139A0013V01201718	19 Sep 2017	Wording
Primary and Non Contributory--Add on cover under IAR	IRDAN139A0014V01201718	19 Sep 2017	Wording
Properties Under Consignment, Care, Custody and Control--Add on cover under Fire	IRDAN139A0048V01201718	28 Mar 2018	Wording
Properties under Consignment, Care, Custody and Control--Add on cover under IAR	IRDAN139A0049V01201718	28 Mar 2018	Wording
Property not on the Insured premises/Offsite premises--Add on cover under Fire	IRDAN139A0023V01201718	21 Sep 2017	Wording
Property Not on the Insured Premises/Offsite premises--Add on cover under IAR	IRDAN139A0024V01201718	21 Sep 2017	Wording
Property Testing & Commissioning Clause--Add on cover under Fire	IRDAN139A0012V01201718	19 Sep 2017	Wording
Property Testing and Commissioning Clause--Add on cover under IAR	IRDAN139A0011V01201718	19 Sep 2017	Wording
Property under Consignment, Care, Custody and Control--Add on cover under Business Advantage	IRDAN139A0047V01201718	28 Mar 2018	Wording
Protection and Preservatio of Property--Add on cover under Fire material Damage	IRDAN139A0002V01201718	28 Jul 2017	Wording
Protection and Preservation of Property--Add on cover under SFSPP	IRDAN139A0005V01201718	1 Aug 2017	Wording
Seasonal Enhancement of Stock Cover	IRDAN139A0031V01201819	6 Jun 2018	Wording
Start Up/Shut Down Expenses--Add on cover under IAR	IRDAN139A0057V01201718	28 Mar 2018	Wording
Temporary Removal (Excluding Stocks) clause--Add on cover under Fire	IRDAN139A0029V01201718	21 Sep 2017	Wording
Theft in Damaged Property	IRDAN139A0014V01201819	11 May 2018	Wording
Unnamed Locations--Add on cover under Fire	IRDAN139A0021V01201718	19 Sep 2017	Wording
Unnamed Locations--Add on cover under IAR	IRDAN139A0022V01201718	19 Sep 2017	Wording
Waiver of Subrogation Clause	IRDAN139A0019V01201819	17 May 2018	Wording
Waiver of Subrogation Clause	IRDAN139A0028V01201819	28 May 2018	Wording

Names in the register

IRDAI registration number 139. Filed as: Bharti AXA General Insurance Company Limited; Bharti AXA General Insurance Company.

Why the wording matters more than the brochure

A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.

Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.

Reading a UIN

Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.

The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.

Frequently asked questions

Where can I find Bharti AXA General policy wordings?

Above: every Bharti AXA General product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.

How many Bharti AXA General general insurance products are in IRDAI's register?

21 products and 167 add-ons, approved 2017 to 2021.

Which lines of cover does Bharti AXA General file most?

By number of products in the register: motor 9, fire and property 3, shop, office, home and business packages 3, money, fidelity and crime 2.

Why are Bharti AXA General products filed under another name?

The register keeps each product under the name the insurer used when it filed. Bharti AXA General Insurance: its general insurance business passed to ICICI Lombard on 1 April 2021.

All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.

Want a wording read against your own risk before renewal? An IRDAI-registered advisor will do it, free: request a callback or WhatsApp +91 92514 56334.