Bharti AXA Car Insurance

Purchasing a car insurance policy is very important as it can financially protect your car from any unforeseen incident, such as a road accident. With the help of a Bharti AXA car insurance policy, you can cover your vehicle against damages that may be very costly for you to pay from your own pocket. Moreover, it is compulsory to buy a motor insurance policy in India to avoid ending up paying heavy traffic fines.

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Plans starting @₹ 1972

* TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.
Top Plans
Cashless Garages
3742
Plan type
Comprehensive
Starting from
₹ 2,937
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Repair service at select cashless garages
Offers Zero Depreciation addon
Cashless Garages
3742
Plan type
Third Party
Starting from
₹ 2,072
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Covers damages to third party property
Covers damages to third party person
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₹ 1,972
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Covers damages to third party property
Covers damages to third party property upt...

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

About Bharti AXA General Insurance Company

Bharti AXA General Insurance Company is now a part of ICICI Lombard General Insurance Company after the merger that became effective in September 2021. Bharti AXA General Insurance Company was established as a joint venture between Bharti Enterprises and AXA, which are leaders in their respective industries.

Bharti AXA General Insurance Company offers various types of insurance products that range from motor insurance, health insurance, home insurance to travel insurance and more. The company is also well-known for its hassle-free plan customization options, quick claim settlements, anytime customer assistance and a wide network of cashless garages spread across the country.

Key Features of Bharti AXA Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 64.27%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 3742
No Claim Bonus Yes

Benefits of Bharti AXA Car Insurance

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

  • The company offers timely claim settlements that can save you off the stress in the aftermath of an accident.
  • Bharti AXA motor insurance also offers cashless claim settlement at more than 3742 network garages across India.
  • Round-the-clock customer support services to address all the policy related queries and concerns are available
  • For all the claim-free years, you are entitled to a No Claim Bonus of up to 50 per cent. Your previous NCB is also retained while purchasing a new car insurance policy from Bharti AXA General Insurance Company.
  • Bharti AXA motor insurance policy also offers personal accident cover to the policyholders.
  • A number of add-on covers including coverage for the co-passengers, hospital cash benefit, replacement of lost key, etc. are offered to policyholders.

Types of Bharti AXA Car Insurance Policy

Bharti AXA car insurance offers three types of motor insurance policies. These are

1. Private Car Liability Policy

Bharti AXA Private Car Liability policy covers a policyholder against any third-party accidental liability arising out of the insured car. Third-party liabilities include property damage, bodily injuries or death of a third party. The liability for injuries or death is unlimited while liability for property damage is limited up to Rs. 7.5 lakh. However, this policy does not cover the insured car against any own damages.

2. Private Car Package Policy

Private Car Package policy by Bharti AXA General Insurance Company covers the insured car against own damages arising due to road accidents, natural calamities, theft, fire, manmade calamities, etc. This policy also provides coverage against third-party accidental liabilities involving the insured car. Furthermore, the coverage of this policy can be enhanced by purchasing add-on covers at an extra premium.

3. Stand-Alone Own Damage Private Car Insurance Policy

Bharti AXA Stand-Alone Own Damage policy offers coverage against damages sustained by the insured car due to events like road accidents, fire, theft, natural disasters, manmade disasters, etc. This policy can be purchased in addition to an existing third-party liability policy.

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Bharti AXA Car Insurance Premium Calculator

By using the online Bharti AXA car insurance premium calculator, you can calculate the car insurance 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 as per your budget.

Coverage Under Bharti AXA Car Insurance

  • Natural Calamities: Damages due to natural disasters such as floods, cyclones, earthquakes, etc. are covered.
  • Manmade Calamities: The Bharti AXA car insurance policy covers damages arising due to manmade disasters such as fire, riots, terrorism, etc.
  • Third-Party Liabilities: Damages caused to the third party or his/her property, including bodily injuries or death, by your vehicle is covered.
  • In-transit Damages: Any damage caused while the car is in transit via rail, road, lift, inland waterway, elevator or air are included.
  • Accidental Means: Damages sustained by the insured car due to an accident is covered
  • Terrorist Activity: Loss caused due to any act of terrorism is covered.
  • Theft: Any damage to the vehicle caused due to burglary, housebreaking or theft is included.
  • Fire: Damages due to explosion, fire, self-ignition or lighting are also covered in a Bharti AXA vehicle insurance policy.
  • Outside Geographical Area: Damages beyond the scope of coverage or outside the geographical limits are excluded
  • Contractual Liability: Claims arising out of contractual liabilities are not covered
  • Invalid Driving License: Damages caused while driving the insured car in the absence of a valid driving license are excluded
  • War & Related Perils: Any liability arising due to civil war or nuclear peril is excluded.
  • Drunk Driving: Damages sustained by the insured car while the driver was drunk driving or driving under the influence of drugs are excluded.
  • Other Purposes: If a private vehicle was found to be used for commercial activities, then also your claim will be rejected.
  • Breakdown: An electrical or mechanical breakdown of the insured car is not covered.
  • Wear and Tear: Cost of routine wear and tear or depreciation borne by the vehicle is excluded.

Bharti AXA Car Insurance: Add-ons

Bharti AXA motor insurance policy offers some additional covers on payment of some extra premium amount. These add-ons are:

  • NCB Protect Cover

    No Claim Bonus Protect cover allows you to retain your No Claim Bonus even if you have registered a claim previously. If you don’t want your No Claim Bonus discount 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 Cover

    In case your car breaks down while driving on the road, then you can avail on-road assistance under the Roadside Assistance cover. You can avail assistance for repairing a flat tire, towing your car to a service station, engine jump-start, emergency fuel assistance, etc.

  • Engine Protect Plus Cover

    If the internal parts of the engine and gearbox are damaged and the car breaks down, then the insurance company will provide you compensation for the same under the Engine Protect Plus.

  • Zero Depreciation Cover

    This add-on cover provides coverage against the depreciation amount of the insured car. The rate of depreciation for rubber/nylon/plastic parts, tyres and tubes, batteries is 50% while for fibreglass is 30%.

  • Key Protect Cover

    With this add-on cover, a policyholder gets compensation for the expenses incurred while replacing the lost car keys and lock. You can file a maximum of 2 claims under this cover.

  • Consumables Cover

    Under Consumables cover, you can also get compensation for consumable replacement/replenishment expenses incurred on engine oil, bolts, nuts, etc. once they cannot be used further.

  • Tyre Protect Cover

    Under the Tyre Protect cover, the insurance company will pay for the repair or replacement expenses of tyres and tubes in the event of non-accidental loss or damages.

  • Loss of Personal Belongings Cover

    This add-on cover compensates for the loss of personal belongings in case of theft or accidental damages to the insured car.

  • Garage Cash Cover

    Under Garage Cash cover, the insurance company will pay a daily allowance for alternate transport while the insured car is getting repaired at a network garage.

  • Return to Invoice Cover

    Claim is usually sanctioned on the vehicle’s depreciated value. But with this add-on cover, a policyholder can get the claim on the vehicle’s invoice value on a total loss of the vehicle. The invoice value is the difference between the car’s Insured Declared Value and the cost of the car at the time of purchase.

How to File a Claim Under Bharti AXA Car Insurance?

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

  • Intimate the Insurance Company: Inform the insurance company about the incident and register your claim with them.
  • Keep Documents Handy: You need to fill out and sign the claim form. Furnish all the necessary documents.
  • Vehicle Inspection: A survey will be conducted to assess the extent of damage sustained by the insured car.
  • Get Repairs Done: Once the survey is completed, you can take your vehicle to an authorised network garage for repairs.
  • Claim Settlement: Once the repairs are done, your insurance company will settle the claim on your behalf. If the insured vehicle is repaired in a non-network garage, the insurance company will reimburse you the repair amount after you pay the garage bill.

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Documents Required to Raise a Claim Under Bharti AXA Car Insurance

The below-mentioned documents are required for Bharti AXA car insurance claim registration:

  • Claim form duly signed
  • Copy of Registration Certificate of the vehicle
  • A copy of Driving License
  • Police FIR copy
  • Car insurance papers
  • Original repairs estimate
  • Original repair invoice, payment receipt

How to Renew Bharti AXA Car Insurance?

It is mandatory to renew your Bharti AXA car insurance policy before the expiry date, else your claim will get rejected by the insurance company. Here is how you can renew Bharti AXA car insurance online:

Step 1: Visit the Car Insurance page of Policybazaar.com

Step 2: Enter the car number in the form and view prices

Step 3: Fill in details like email, name, and mobile number and proceed

Step 4: Enter the policy expiry date, details of claim made in the previous year (if any)

Step 5: Find your Bharti AXA car insurance renewal plan from the mentioned plans

Step 6: Select add-ons that you wish to include as per your budget and proceed forward

Step 7: Select NCB per cent of your existing motor insurance policy

Step 8: Verify your details and select ‘Pay Securely’

Step 9: After your premium has been verified, you can make the premium payment in your preferred payment mode.

Your Bharti AXA car insurance renewal will get completed as soon as your payment is processed. You will receive your policy documents at your registered email address.

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Bharti AXA Car Insurance Reviews & Ratings

4.5 / 5 (Based on 147 Reviews)
(Showing Newest 10 reviews)
Nitesh
Rewari, November 10, 2021
Good service
Team provided me round the clock assistance and addressed my query regarding my Bharti axa car insurance. thanks to Policybazaar for solving my problem quickly. The team member I spoke with, was there for me until the problem got resolved.
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.