Bharti AXA Car Insurance

Bharti AXA General Insurance Co. Ltd. is a joint venture between Bharti Enterprises and AXA, and both are the leaders in their respective industries. Bharti AXA General Insurance Co. Ltd. commenced its operations in August 2008 and has bagged dual certifications of ISO 9001:2008 and ISO 27001: 2005. The company continues to be a trusted insurer with a claim settlement ratio of 98.27 percent.

Bharti AXA Car Insurance Coverage
Third Party Coverage Up to 7.5 lakhs
Personal Accident Up to Rs. 15 Lakhs
Damage to Own Car It offers cashless garages services at 4500+ network garage
Sudden Illness Up to Rs. 10,000

Advantages of Buying Bharti AXA Car Insurance Policy

The Bharti AXA car insurance policies are ideal for people who want to buy a quick and effective motor insurance policy. Here is the list of the advantages that come with this car insurance policy:

  • Purchasing and renewing a car insurance plan is quite hassle-free
  • The claim requests are approved without wasting the time of the customer
  • Minimal documentation is required at the time of claim settlement
  • Comprehensive coverage along with a range of additional covers to enhance your safety
  • There is a facility of cashless claim settlement across 3000 authorized network workshops
  • For all the claim-free years, you are entitled to a No-Claim-Bonus of up to 50 percent. Your previous NCB is also retained while purchasing a new car insurance policy from Bharti AXA Car Insurance.
  • 24*7 customer support services to address all the policy related queries and concerns

Key Features of Bharti AXA Car Insurance Policy

The features and benefits of Bharti AXA car insurance plans are enumerated below:

  • Save yourself from making a hole in your pocket as you have your car covered against natural and man-made calamities
  • Easy access to network garages and timely claim settlements can save you off the stress in the aftermath of an accident
  • A number of add-on benefits including coverage for the co-passengers, hospital cash benefit, replacement of lost key, etc.
  • Instant issuance of policy without wasting much of your time
  • Cashless claim settlement across 3000 network workshops across India
  • Round-the-clock claim assistance services
  • Easy to purchase Bharti AXA car insurance policy online

Types of Bharti AXA Car Insurance Plans

To be eligible to drive in India, it is essential to have a car insurance policy, as per the Motor Vehicles Act. You need to pay the cost of the premium every year, and the insurer will recompense the expenses incurred during a collision or an accident.

Comprehensive Car Insurance Plan

It includes both the losses and damages caused to your car and a third-party.  Protection is offered to you and your car against the maximum risks. It covers natural disasters such as landslides, floods, earthquakes, storms, and also manmade calamities like riots, thefts, etc. This type of motor insurance policy is suggested or all the cars.

Third-Party Liability Insurance

Bharti AXA car insurance will reimburse the expenses incurred during third-party injuries or 3RD party property damages.  It will only cover third-party property damages or injuries. IRDAI layouts the 3rd party car insurance rates that are revised annually-

Third-party Liability Premium Rates Table:

Capacity of the Engine ( in cc) Premium for New Cars for 3-Year Plan Cost of Premium
>1,000 INR 5286 INR 1850
1,000 to 1,500 INR 9534 INR 2863
<1,500 INR 14,305 INR 7890

Note- In case of 3rd party property damage the limit of compensation provided is up to 7.5 lakhs. In case of bodily injuries and death, compensation will be decided by the court.

Pay As You Drive Insurance

Bharti AXA General Insurance Co. Ltd. has recently introduced ‘Pay As You Drive’ car insurance policy under the IRDA’s Sandbox Project. Also known as a usage-based motor insurance policy, this car insurance allows the policyholders to pay their premiums based on the kilometers driven. For proving this, Bharti A has tied up with the insurance broker

Scope of Coverage under Bharti AXA Car Insurance

  • Option to get personal accident cover for co-riders
  • Natural disasters such as flood, cyclone, earthquake, etc. 
  • Manmade disasters such as fire, riots, terrorism, etc.
  • Third-Party liability cover- it provided protection against any loss or damage caused to the third-party or property, including injuries or damages to a third-person by your vehicle.
  • Both the owner and the driver can get a compulsory personal accident cover in case of third-party and comprehensive insurance plans. And the premium for this one is Rs. 750 per year and the sum insured limit is Rs. 15 lakhs in the event of accidental death, loss of eye/s, limb/s, total disabilities
  • Any damage while the car is in transit via rail, road, lift, inland waterway, elevator or air

Bharti Axa Car Insurance Optional Benefits

The insurer provides the following optional covers:  

  • No claim discount
  • Hospital cash benefit
  • Roadside assistance
  • Consumables cover
  • Zero depreciation
  • Personal Accident benefit for the co-riders
  • Key Replacement Cover
  • Invoice Price Cover
  • Ambulance Expenses
  • Gearbox Cover
  • Engine Cover

Bharti AXA Car Insurance Add-on Covers

On payment of some extra amount of premium, you can avail the following benefits-

  • No-Claim-Bonus Protector- If you don’t want to retain your No-claim-bonus to get nullified then you can buy this additional benefit. Your NCB will retain even if you file 2 claims during your policy period.
  • Roadside Assistance- In case your car breaks down while driving on the road, then you that you can avail roadside assistance services. There is no need to find a garage or a mechanic in an unknown place. You can avail assistance for repairing a flat tire, towing your car to a service station, engine jump-start, emergency fuel assistance and the likewise
  • Hydrostatic Lock Cover - Heavy rains and floods can damage your car’s engine. Compensation is provided for repair and replacement expenses of the parts of the engine.  It is only applicable to cars that are lesser than five years old.
  • Gearbox & Engine Protection Cover - If the internal parts of the engine and gearbox are damaged and the car breaks down, then the insurer will provide you compensation for the same.
  • Zero Depreciation Cover- The compensation amount doesn’t get reduced due to the depreciation value of replaced/repaired parts of the car like rubber, fiber, glass, and plastic
  • Key Replacement Cover - With this benefit, you get compensation for the expenses incurred while replacing the lost car keys and lock. You can file a maximum of 2 claims.
  • Invoice Cover- Claim is usually sanctioned on the vehicle’s depreciated value. But with this benefit, you can get the claim on the vehicle’s invoice value. And it covers the registration fees, road tax, and car insurance.
  • Medical Expenses- Add-on sum for treatment of the person succumbing (you and the passengers) to accidental injuries and the limit is up to 10,000 rupees.
  • Hospital Cash Benefit- It includes a lump sum benefit of Rs. 1000 on daily basis (for a maximum of 30 days of hospitalization)
  • Ambulance Expenses - The coverage limit for ambulance charges is500 and Rs. 1000.
  • Consumables Cover- You can also get compensation for consumable repair expenses incurred on engine oil, bolts, nuts, etc. once they cannot be used further.

The Insured Declared Value or the IDV of the car is fixed by Bharti AXA Car Insurance as follows:

  • Up to 6 months - 5%
  • 6 months to 1 year - 15%
  • 1 to 2 years - 20%
  • 2 to 3 years - 30%
  • 3 to 4 years - 40%
  • 4 to 5 years - 50%

Exclusions of Bharti AXA Car Insurance Policy

  • Deliberate accidental attempts are not covered
  • Drinking and driving cases  after the overdose of alcohol and drugs is also not covered
  • Expired policy, consequential damages, an electrical or mechanical breakdown, as well as routine wear and tear, are not included.
  • Absence of a driving license while driving is an offense and this would involve serious repercussions.
  • If you are found to be driving on the wrong side of the road then also your claim will be rejected
  • If a private vehicle was found to be used for commercial activities then also your claim will be rejected
  • Damages beyond the scope of coverage or outside the geographical limits

Bharti AXA Car Insurance Premium Calculator

By using online car insurance calculator by Bharti AXA Car Insurance, you can compare different features and opt for a personalized plan that resonates with the best car insurance policy in your mind. You can also compare the insurance premium by switching the benefits.

Also, you can calculate the policy premium on the basis of the coverage benefits that you want to buy. It can help you to find the most affordable car insurance plan options.

Car Insurance Claim Procedure

Bharti AXA car insurance follows a seamless claim process. It is quite convenient to avail cashless repair service at their registered workshops. You can also opt for reimbursement of the expenses incurred. The process is listed below:

Send the damaged car to the nearest workshop.  Submit all the necessary documents.

  • A survey will be conducted to assess the damage
  • You need to fill and sign the claim form.
  • Furnish all the necessary documents such as your Driving license, copy of pan card, and RC
  • The surveyor will verify all the documents with the original ones
  • To register a 3rd party claim, or own damage, claim for theft or an accident, you also need to submit a police FIR copy
  • Once you submit the claim documents, they will pass them to the network garage
  • Once the repair work is completed, the car will be re-surveyed
  • The insurer will issue a delivery order on receiving the vehicle repair bills
  • You can take the car once you handover the duly signed satisfaction voucher

Bharti AXA Car Insurance - FAQs

Written By: PolicyBazaar - Updated: 09 October 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 93 Reviews)
Bharti AXA Car Insurance Reviews & Ratings
4.4 / 5 (Based on 93 Reviews)
(Showing Newest 25 reviews)
Ichoda, October 06, 2020
No claim bonus
I got my no claim bonus certificate from the website of the bharti axa. I contacted them and ask for the same. It was indeed the best company and I have recommended to my friends. Thank you bharti axa.
Fakirpur, October 05, 2020
Roadside assistance
recently when I took the car insurance policy from the bharti axa I got the roadside assistance from them. It is a kind of best feature which I saw. Thank you team bharti axa.
Fakirpur, October 05, 2020
Roadside assistance
recently when I took the car insurance policy from the bharti axa I got the roadside assistance from them. It is a kind of best feature which I saw. Thank you team bharti axa.
Vadali, October 01, 2020
Hospital expenses
In my car insurance policy the hospital expenses is need to be covered and the same is happened. I can take that services with the help of the bharti axa. Great work team bharti axa.
Bhabhar, September 30, 2020
Choices of plans
I have got the numerous number of choices at the time of selecting the car insurance policy for my car. Thanks to whole team of Bharti axa.
Dabhoi, September 29, 2020
Claim is fast
The claim process of the bharti axa is quick and fast. There is no such hassle and one can easily get the claim from them right from the start. Thank you bharti axa.
Dabhoi, September 28, 2020
Round the clock services
I have got the round the clock services from the bharti axa. It is a good company and have always strive to get best to their customers. Thanks a lot team.
Dabugam, September 25, 2020
Instant insurance
I have got my car insurance policy instantly. It was quick and swift. Igot my soft copy within 10 minutes of purchase of the policy. Thank you bharti axa.
Vadali, September 24, 2020
Save a lot
I have save a lot more money to get the car insurance plan from the bharti axa. It is one of the amazing plan and I really like it. I checked and compared a lot more plans. Thank you bharti axa.
Vadakara, September 23, 2020
Bought the plan easily
I recently got the car insurance policy from the bharti axa. I really like the plan and have bought it to secure the life if my car met with an accident or something unforeseen happens. Thank you team bharti axa.
Vadali, September 22, 2020
EMI system
When I got the car insurance policy from the bharti axa I have received the EMI system to pay my premium amount. It is easy and quick and helps me to make the easy payments. Thanks to bharti axa.
Vadali, September 21, 2020
Less rate of premium
The premium rate of the car insurance policy which I bought from the bharti axa is much affordable and easy rates. I got it done and I am much happy because I received the best plans.
Bhabhar, September 18, 2020
Online policy
I have got the car insurance policy online by checking some of the plans online into the website of the bharti axa. I chose the best one for my car. Thank you policybazaar.
Baarod, September 16, 2020
24*7 support
I have got the best customer care support from the bharti axa and it was the best. I can contact the customer care team of bharto axa at any point of time. Thanks to whole team.
N.paravur, September 15, 2020
Cashless claim
I have recently got the cashless claim facilities from the bharti axa. I got the best thing from the team and they are the best. Thank you so much team bharti axa.
Habra, September 14, 2020
Minimum documents work
While I got my car insurance policy from the bharti axa I received a very good service by them. The documentation work was minimum in nature and it easy to understand. Thank you bharti axa.
East Midnapore, September 14, 2020
Good plans
I have recently got my car cover from the bharti axa and it is one of the amazing plans. The car plans are good and easy to use. It gives proper coverage to me and my car. I really like the plan given by the bharto axa. Thank you team.
Padampur, September 11, 2020
Comprehensive plans
I have got the car insurance policy and that too was the comprehensive plan. It was easy and I really like it. It covers the damages and the injuries which can occur during the time of the accident. Thank you bharti axa.
Odagoan, September 10, 2020
Claim settled
My claim was settled in less than 5 days. It was so good that the whole team understood my problem and immediately start working on my case. Thanks to whole team of Bharti axa.
Hadol, September 10, 2020
Renew it easily
Last year I took the car insurance policy from the bharti axa and this year I renewed it with the help of their mobile application. That’s was so quick and hassle free. Thanks team.
Vadali, September 08, 2020
Personal accident cover
I have got the personal accident coverage along with the car insurance policy which I have taken from the bharti axa Thanks to the whole team of Bharti axa.
Fakirpur, September 07, 2020
Third party coverage
I have recently got the third party car insurance policy from the bharti axa. It has given me the coverage and also to the opposite party. Thanks team.
Ichalkaranji, September 01, 2020
Personal accident coverage
I have got the car insurance plan for my new car recently. It was done from the bharti axa car insurance company. The customer care team also suggested me to get the personal accident coverage too for the safety of me or the driver. I took it and now I am highly happy and the satisfied with the services of the same. Thank you.
West Tripura, August 31, 2020
Customer care team
The customer care team of the bharti axa is too good. I was not able to get the proper policy copy of my car insurance and contacted them. Within 24 hours they provided me with the soft and the hard copy of my car plan. They are really quick and superb. Thank you so much team bharti axa.
Trichy, August 28, 2020
Cashless garage
The bharti axa team has the associations with round about 4500+ cashless garages. And that’s why I chose them as it would be more convenient for me to get the repair work done from them. Thanks team for such good services and the assistance.