Affinity · EV & Mobility
EV platforms carry risk at every layer - the vehicle, the infrastructure and the person operating it. Bharatsure insures all three through a single integration.
INFRASTRUCTURE
Swap stations fire cover
VEHICLE LEASE
Asset damage protection
Each product is embedded at the right trigger moment in your platform flow. We scope the exact configuration with you.
Covers own damage from accident and fire on low-speed EVs, two-wheelers and e-bikes. For leasing platforms, this protects the lessor's asset value. For subscription services, it's a differentiating value-add for the rider.
Explore more about Asset Insurance - EV (Own Damage)Fire, natural calamities and burglary for battery swap stations, charging points and EV infrastructure. Protects the station owner's investment and keeps the network operational after a loss event.
Explore more about Asset Insurance - Station/Infrastructure (Fire)Accidental death and disability for EV operators and riders. For gig-linked EV platforms, this is also a compliance cover - protecting drivers under gig-worker welfare guidelines.
Explore more about Personal Accident - Driver/RiderBasic life cover for EV fleet operators and gig riders - monthly tenure, low premium, auto-renewed with the subscription.
Explore more about Term Insurance (Sachet)
Charging Station Fire Cover + Driver PA
Coverage
Embedded charging station fire cover + driver pa configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
1,000+
stations covered
20,000+
drivers protected
Outcome
Station owner losses covered; manpower retention improved; gig-worker welfare compliance met
How it embeds
A fire at an EV battery-swap station burns the premises, causing a total loss for the franchise owner. The fire cover embedded in their franchise pass means the insurer covers the full loss - the station owner's investment is protected and the network keeps running.
EV Own Damage Cover
Coverage
Embedded ev own damage cover configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
500+
vehicles covered
4
claims settled in record time
Outcome
Asset protection for the lessor; riders don't pay out of pocket for repairs - downtime recovered faster
How it embeds
A low-speed EV leased to a rider is damaged in an accident. Thanks to mandatory own damage cover activated at lease sign-up, the insurer reimburses repair costs at an authorised garage - the lessor's asset is protected and the rider doesn't bear the cost.
Yes. Asset details are passed at policy issuance - owned and leased vehicles are handled within the same API.
Battery coverage depends on the policy variant. Bharatsure will confirm the exact coverage position on battery damage when scoping the product for your platform.
PA cover for pillion riders is available as a configurable add-on. Confirm availability and pricing at scoping.
Cover the vehicle, the charging station and the driver through one integration. Tell us your platform and we'll map own-damage, fire and driver PA cover to the right moment - lease activation, swap or onboarding.
