Your car enables you to create everlasting memories, be it on road trips with your friends or a long drive with your family. However, the roads are unpredictable and while you may drive with utmost caution, uncertainties can strike at any time.

With Smart Drive Private Car Insurance brought to you by Bharti AXA General Insurance, secure your car and yourself from losses and liabilities. You can choose a comprehensive coverage or a third party coverage and also include several add on covers for maximum protection.

Cashless Claim Settlement

Avail cashless claim settlement, with our network of 3,700+ garages across the country, in case of an unfortunate incident involving your car.

24x7 Claims Assistance

Round-the-clock claims assistance, so that you can focus on what matters the most, while we take care of the rest.

Personal Accident Cover

Secure yourself along with your car, with a personal accident cover for owner-driver, that provides coverage of up to Rs. 15 lakhs.

Maximum protection with add-on covers

Customize your policy, by choosing from a bouquet of add-on covers such as zero depreciation, personal accident cover for occupants, roadside assistance, engine and gearbox cover, key replacement, medical expenses up to Rs. 10,000, hospital cash, invoice price cover, consumables cover and ambulance charges for maximized protection.


Features and Benefits

  • Cashless Claim Settlement across our network of 3,700+ authorized garages across India.
  • 24x7 Claims Assistance, ensuring prompt support when you most need it.
  • Personal accident cover for owner-driver, with a coverage of up to Rs. 15 lakhs.
  • Safeguard yourself from third party liabilities, with coverage for injury or damages to a person or property.
  • Coverage against natural disasters, such as floods or earthquakes.
  • Coverage against man-made disasters, such as fire or riots.
  • Avail add-on covers such as zero depreciation, personal accident cover for occupants, roadside assistance, engine and gearbox cover, key replacement, medical expenses, hospital cash, etc for maximized protection.

Eligibility Criteria

Plan ParametersMinimumMaximum
Age at Entry (years)NANA
Death Benefit OptionNA
Premium Payment Term (PPT) / Policy Term (PT) (years)NA
Basic Sum AssuredNA
Premium (Rs.)NA
Premium Payment ModeNA

How to Apply

Apply now for Bharti Axa Car Insurance Plan


The above insurance products are underwritten by Bharti AXA General Insurance Company Limited.

Registered Office: Bharti AXA General Insurance Co. Ltd. First Floor, Hosto Centre, No.43, Millers Road, Vasanth Nagar. Bangalore - 560052 Corporate Office: 19th floor, Parinee Crescenzo, ‘G’ block, Bandra Kurla Complex, Opposite MCA Club, Bandra (E), Mumbai - 400051. Co. Registration No.: U66030KA2007PLC043362. IRDAI Registration No. 139.

Product: Smart Drive Car Insurance Product UIN: IRDAN139P0032V01200809 Toll free - 1800-103-2292. E-mail: Website: For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale.

DBS Bank India Limited (IRDA of India Registration Number: CA 0257) having the Registered office at GF: Nos. 11 & 12 & FF - Nos.110 to 115, Capitol Point BKS Marg, Connaught Place, Delhi- 110001 is the Composite Corporate Agent of Tata AIA Life Insurance Company Limited (IRDA of India Regn. No.110) CIN: U66010MH2000PLC128403 having the Registered office/principal place of business at 14th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai - 400013, Aditya Birla Sun Life Insurance Company Limited (IRDA of India Regn.No.109) CIN: U99999MH2000PLC128110 having the Registered office address at One India bulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013, Royal Sundaram General Insurance Company Limited (IRDA of India Regn.No.102) CIN: U67200TN2000PLC045611 having the Registered office address at No.21, Patullos Road, Chennai - 600002, Bharti Axa General Insurance Company Ltd. having the Registered office address at First Floor Hosto Centre, No. 43, Millers Road, Vasanth Nagar, Bangalore - 560052 and Go Digit General Insurance Limited and having its corporate office at Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru, Karnataka 560095. ISNP Registration valid.

Participation by the Bank's client in the Insurance products is purely on a voluntary basis. Insurance products are underwritten and issued by Insurance companies. DBS Bank India Limited does not underwrite the risk or act as an insurer.

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