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.

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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 3742 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 Policybazaar.com.

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

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 146 Reviews)

Bharti AXA Car Insurance Reviews & Ratings

4.5 / 5 (Based on 146 Reviews)
(Showing Newest 25 reviews)
Sahil
Guna, October 07, 2021
Suitable plan
Thanks to Policybazaar for offering me such unique features in my car plan. I am glad that I have not bought the policy from anywhere else. an executive guided me which plan would be suitable for me. He showed me several plans out of which I selected Bharti AXA Car Insurance
Umang
Gaya, September 08, 2021
Add on cover
PolicyBazaar offers affordable customization facility so that customers can easily enhance the coverage of their plan according to their needs and budget. i have added some more features under my car insurance.
Harish
Tiruppur, September 06, 2021
Online procedure
I was buying car insurance from PolicyBazaar website. I was a bit confused about the process as I had never bought a policy before. I contacted PolicyBazaar and they gave me a brief about the online process and after that I was able to buy my plan.
Ronit
Mathura, September 02, 2021
Superb service
I have bought car insurance from policy Bazaar. now i do not need to carry financial burden. i got coverage against losses or damages to the insured vehicle. they gave me superb service. i am happy to be the customer of policy Bazaar.
Deepak
Madurai, August 30, 2021
Reasonable rate
One of my relative suggested me to get my car insured. he told me policy Bazaar offers best deals to its customer, you should give a try to policy Bazaar. on his suggestion I bought bharti axa car insurance from policy Bazaar. genuinely policy Bazaar provides great deals at very reasonable rate.
Keshav
Meerut, August 26, 2021
Easy mode of payment
Buying a plan from the policy Bazaar was very convenient. I have taken Bharti AXA car insurance plan online. The policy Bazaar gave me a lot of payment options. Most of the customers expect the easy payment method that Policy Bazaar offers to its customers.
Nilima
Srinagar, August 25, 2021
Cooperative team
I did not like my earlier car insurance plan, so I have taken Bharti Axa car insurance from the policy bazaar after consulting a lot of people. The staff behavior was great and they will help you to choose the suitable plan. I got the best plan with the help of proper assistance.
Bandhu
Hajipur, August 18, 2021
fast claiming process
Bharti AXA car insurance provide their customer a lot features. i had a great experience while buying the policy. it was totally hassle-free and apart from that they provide fast claiming process without wasting any time. overall i am happy with the policy bazaar service.
Debashis
Ghaziabad, June 09, 2021
Lowest premium price
I believe that buying a car insurance plan from policybazaar is budget-friendly. I got the plan of bharti axa and it has been reasonable. In my budget it was the plan and I got the car plan for my Sonet KIA in the year 2020.
Ashis
Vadodara, June 07, 2021
Happiest customer
I am one of the happiest customer of Policybazaar and bharti axa car insurance plan. The customer care expert team is really helpful to me a lot in getting the best car insurace plan for my hyundai i20. Great work policybazaar
Vallabh
Pimpri Chinchwad, June 05, 2021
Great options at once place
In the website of Policybazaar, I have get along with different car insurance plans so I bought the bharti axa car plan for my Hinda city car. It is really nice and I have got an amzing options. Thanks to whole team.
Raman
Patna, June 05, 2021
Hassle free services
Its really good to be a customer of Bharti axa and policybazaar. I have got the hassle free services and an amazing car insurance plan from the website of Policybazaar. I bought the plan for my hyundai Accent car. Thanks team.
Inakanta
Coimbatore, June 01, 2021
Get the best plan
I have got the best Bharti AXA car insurance policy for my Hyundai i20 car. I really like the plan and also got a great coverage at lowest premium prices. I got the best plan from the website of Policybazaar.
Devakantha
Visakhapatnam, June 01, 2021
Claim assistance
I have got the claim assistance very easily when I connected the team. My bharti axa car insurance plan is nice and it has better features as compared to others. I got my claim done and also my car was repaired in less than 4-5 days. Thank you policybazaar.
Keshav
Udaipur, April 26, 2021
Round the clock services
I had bought a bharti axa car insurance from the policybazaar website. The services been provided by the company is really good. They are quick in doing their work. I am happy to be a part of policybazaar and bharti axa. Thank you.
Mohit
Idar, April 23, 2021
Claim settled easily
The claim of my car has been settled on time. I am happy with the services of the policybazaar and bharti axa and it was settled in less than 4-5 days. I am happy that team has helped a lot. Thanks team.
Sagar
Habra, March 17, 2021
Third-party insurance plans
I recently bought a third-party insurance plan from the website of the policybazaar for my hundai car i10. It is indeed a great plan and it was of bharti axa car insurance. The company is nice and so the plan. Thanks a lot team for wonderful services.
Kabir
Baarod, March 05, 2021
No claim bonus
I have not taken the claim from the policybazaar up till now and for that I have got the no claim bonus certificate. It is really nice and quick. I am happy that I got each and every services which I have been promised.
Ayush
Udaipur, March 04, 2021
Claim assistance
One of the best thing I like about policybazaar is that I got my claim quickly. I found the I found it easy as the customer care team is quick and helpful. They helped me in settling my car claim.
Sagar
Udagamandalam, March 04, 2021
Roadside assistance
I recently bought a car insurance plan from the policybazaar and that was of bharti axa car plan. It has also the facility related to roadside assistance. A really nice plan which I have bought and I really like it. Thanks team policybazaar.
Sadanand
R.k.nagar, March 02, 2021
Natural disaster cover
I have bought a car insurance policy from the policybazaar and that was of bharti axa car insurance. I really like it and my car insurance plan has the coverage of natural disaster such as cyclone, earthquake, etc. Thanks team policybazaar.
Hirendra
G.mahisani, March 01, 2021
Cost-effective plans
Last year I bought a car insurance plan from policybazaar. It was the plan of bharti axa car insurance and the plans are much cost-effective in nature. I have got various benefits under the same. I really love the car insurance plan and it was under my budget. Thanks team.
Pyarelal
Baarod, February 25, 2021
Great facilities
I have recently bought a car insurance plan for my Hyundai i20 car and it is worth it for me and my family. I have got huge facilities and even got the add on covers for my car. It will make my car’s safety double and will be best. Thanks team.
Pintu
Udagamandalam, February 25, 2021
Personal accident coverage
With my car insurance plan I bought the personal accident coverage too. It is really nice and effective for me and my car. My work has become hassle free and I am happy too. Thanks team.
Dalbir
Habra, February 23, 2021
Great coverage
I bought a car insurance plan last year from policybazaar. It is quick thing to buy. Also, I got the high and great coverage for my car. I got this plan of bharti axa car insurance and for my Honda city car. It is nice and I would recommend to everyone.