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 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

Written By: PolicyBazaar - Updated: 06 April 2021
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 130 Reviews)

Bharti AXA Car Insurance Reviews & Ratings

4.4 / 5 (Based on 130 Reviews)
(Showing Newest 25 reviews)
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.
Meghna
Baarod, February 22, 2021
Trusted company
Both the companies policybazaar and bharti axa is trustworthy in nature. I recemtly got my car insured and it was such an easy task. Nowadays, everything has been done online and so we can make things easily possible. I like and thanks to everyone.
Rishan
Baarod, February 01, 2021
Approachable
Their motor insurance team helped me providing information about different car insurance plans. They understood my requirements in just one call. They emailed me quotes of car insurance plans with lowest premium and maximum coverage.
Chanakshi
Habra, January 29, 2021
A great brand
When it comes to car insurance policy then I will always go for Bharti AXA car insurance plan and policybazaar has helped me in getting this beneficial plan for my car. I have got best benefits and it is very convenient too. Thank you so much team policybazaar.
Ranbir
R.k.nagar, January 22, 2021
Easy to Compare
It was so easy to compare car insurance quotes online and choose add-on covers like roadside assistance, zero depreciation on their site. With Policybazaar it just took me 15 minutes to renew my Bharti AXA car insurance for my Verna.
Gamini
Habra, January 21, 2021
Riders benefits
I have got the rider benefits and facilities when I bought the Bharti AXA car insurance policy and that was happened via the website of the policybazaar. It has the coverage of roadside assistance and that is most valuable. Thanks team.
Darshan
Baarod, December 23, 2020
Compare buy and save
It is really easy to compare and buy the bharti axa car insurance policy from the website of the policybazaar. Policybazaar is such a nice website where I can check and compare the car plans with respect to additional features, premium rates and also some add on covers. I selected some of the best plans and finally chosen the bharti axa car insurance policy. Such good and wonderful platform for all of us. Thank you team policybazaar.
Akshay
Bhabhar, December 22, 2020
Stress free work
I am happy to choose the bharti axa car insurance plan for my Maruti swift car. It is an amazing plan which I come across and it was suggested by the policybazaar. Now I can easily drive my car with safety and security. Even the bharti axa provides with the cashless claim too. That is pretty amazing and it will sort my work.
Armaan
Fakirpur, December 21, 2020
Assistance at higher level
I have got the good assistance from bharti axa and policybazaar. They really helped me to get the best in class car insurance policy and that was of the bharti axa car insurance plan. The policybazaar team is very much practive in nature and I am convinced with their services. Thank you team for such good car plans and amazing services.
Joseph
Padampur, December 17, 2020
Savings a lot
With policybazaar, you can save a lot of money at the time of buying of bharti axa car insurance policy. It is must recommended plan from my side as I am the customer of this from last 3 years and I didn’t find out any kind of complaint. I am much happy and satisfied with the services. Thanks a lot team.
Shaurya
Laharpur, December 17, 2020
Transfer of No Claim bonus
The no claim bonus is easily to get. I am one of the oldest customer of the policybazaar and bharti axa and have got the no claim bonus as I didn’t took the claim last year. I transferred it and have done it very easily with the help of the customer care of the policybazaar. Even the customer care support of the policybazaar is extremely good. They are always there to assist me and I will definitely recommend to many of my friends. Thank you team.
Ishaan
N.paravur, December 15, 2020
Hospitalization charges are covered
I have got the comprehensive car insurance policy from the website of the policybazaar. It has given me the facility of hospitalization i.e. the injuries charges are to be covered at the time of accident or some other losses. I have been provided with the proper facilities with the help of the insurance provider. I have also taken the personal accident coverage along with my bharti axa car insurance policy. Thanks a lot team policybazaar and bharti axa.
Dhruv
Bhabhar, December 15, 2020
All time assistance
It is good to know that insurance providers helps in giving the best in class services and facilities to their customers. I have got the bharti axa car insurance policy with help of the policybazaar. The customer care team of policybazaar is superb. I am happy with their enthusiastic nature and their helping nature. Good work team.
Aayansh
East Godavari, December 15, 2020
Cashless claim facilities
If somebody is getting the cashless claim from the insurance company and that too on time then it is the best thing for the customer. Yes, I got the cashless claim facility from the policybazaar for my bhart axa car insurance policy. It was really easy to get it and just have to call the customer care for the same. All was done in few minutes and my claim was approved immediately. All thanks team.
Mishka
Baarod, December 14, 2020
EMI system is easily available
Recently I bought the bharti axa car insurance policy from the policybazaar. I bought the plan online and can easily make the payment too. It is also a feature that I can make the payment in the form of the EMI system. I found the plan of the car insurance appropriate. It is really convenient and financially good too. I have got the back of safety and security. Good work team policybazaar and bharti axa.
Rachita
Maandhata, December 11, 2020
After sales team is good
The after sales service of the policybazaar is really good. I was suggested by my friend to get the car insurance policy from the policybazaar. So, I checked some of the plans into the website. I browsed and found some of the plans of car and got it of the bharti axa car plan. The team helped me in getting the after sales service at the best way possible. Thank you policybazaar.
Rohit
N.paravur, December 10, 2020
Soft copy issuance is easy
It is really easy to get the car insurance plan online. I bought the bharti axa car insurance plan online and within 10 minutes of the purchased I have got my soft copy issued too. I found this plan very much interesting as compared to others. It has provided with various features and the add on covers which will make my plan more enhance. I really appreciate the services of the policybazaar and bharti axa car plan. Thanks team.