Bharti AXA Car Insurance

4.3 / 5 based on 46 User Reviews
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Bharti AXA Car Insurance Overview

Bharti AXA General Insurance Company Limited is a joint venture between Bharti Enterprises, which is a reputed Indian business group and AXA, which is a world leader in financial protection and wealth management. The company started its operations August 2008 and within the first year itself, it received dual certifications of ISO 9001:2008 and ISO 27001: 2005. It is the first organization dealing in general insurance that has received these two certifications in the very first year of operations. These certifications were subsequently renewed in the year 2012 for three more years.  Car insurance offered by the company falls under the category of Motor Insurance plans offered. Car insurance plans, as mandated by the law, are offered with extra additions at the discretion of the customer who can make additions to increase the scope of coverage extended on his car.

Bharti AXA Car Insurance Policy Overview

Bharti AXA Car Insurance

Coverage

Third Party Coverage

Up to 7.5 lakhs

Personal Accident

Up to Rs. 2 Lakhs

Damage to Own Car

It offers cashless garages services at 1600+ network garage

Sudden Illness

Up to Rs. 10,000

 

Advantages of availing Bharti AXA Car Insurance plans

The organization of Bharti AXA received two international certifications within its first year of operations, both of which were again renewed for three years in 2012. This remarkable achievement demonstrates the organization’s focus on quality, customer relationships and the simplification of the claims process. Today the organization is a preferred brand in the insurance industry. Car insurance is important as it protects the customer against damages that has been caused to their vehicle or a third party in case there is an accident. Bharti AXA is a leading choice in India for car insurance. The Bharti AXA Car Insurance Plan is an ideal plan for those customers looking for a simple yet scalable car insurance plan provided by a highly responsive and robust private motor insurance company. Given below are the advantages of buying car insurance plans from Bharti AXA:

  • Subscribing to a new car insurance plan from Bharti AXA or renewing an old one is a hassle-free process.
  • The company specializes in servicing of claims and their settlement in the fastest possible time. The policy plans are issued with the least amount of time spent on time and documentation.
  • A comprehensive car insurance plan is offered by the company which covers for both third party legal liability and own damage liability under the same plan. Moreover, a host of additional covers are also available under the plan some of which are free while an extra premium is required for others.
  • There are add-on covers available like Depreciation cover, Invoice Price Cover, Medical expenses cover, etc.
  • There is a facility of cashless claim settlement across over 2000 authorized network of garages.
  • The insurance plan can be bought or renewed online through an easy and fast application process. The customer simply has to visit the company’s website and choose ‘motor insurance’ tab under which car insurance plan and commercial vehicle insurance plan is offered under different categories.
  • Depending on the number of claim-free years, the customer will be entitled to a No Claim Bonus of up to 50%. In case the customer is transferring a car insurance policy for the first time to Bharti AXA Insurance, they can be sure that the company will retain the number of claim-free years that has accumulated under the previous policy.
  • Availability of 24*7 customer support so that all customer queries and concerns are taken care of expeditiously.

Features and benefits of Bharti AXA Car Insurance plans

The features and benefits of the car insurance plans provided by Bharti AXA General Insurance are discussed as under:

  • Car Insurance plans are offered for Private Cars
  • The policy is provided to the customer instantaneously with the least amount of time and effort spent, and with minimum documentation as well
  • There is a vigorous cashless claim settlement across the country at Bharti AXA Insurance certified chain of workshops/garages, which amounts to 2000 plus such garages
  • The claim assistance facility is provided to customers on all days of the week at all hours, i.e., 24*7. The claim assistance is provided by a highly trained and professional team of customer support specialists
  • Applying for the car insurance has never been easier with online application for the same. With just a few clicks, a customer can purchase a Bharti AXA car insurance online, with no need to submit documents or for verifications.
  • The company provides free and timely reminders to the customer for the policy to be renewed
  • Add-on covers under the plan which can be opted by a customer may be taken in order to enhance the coverage of the car insurance plan

Bharti Car Insurance Plans:

Scope of coverage under Bharti AXA Car Insurance

There are two levels of coverage provided by Bharti AXA Car Insurance. One is a Basic cover plan to meet the comprehensive liabilities that arise from accidents and the other is an enhanced cover plan, Basic + Roadside Assistance.

The following contingencies are covered for in both the basic and enhanced  car insurance plans offered by Bharti AXA:

  • Loss or damage to the car due  to natural calamities like fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide.
  • Loss or damage to the car due  to man-made causes like burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity.
  • Any damage while the car is in transit by road, rail, inland waterway, lift, elevator or air
  • A Personal Accident cover is provided to the driver or owner of the vehicle while driving the vehicle, in case of death or permanent total disability. The coverage under the plan is provided for, up to an amount of Rs.2 lakhs.
  • A third party legal liability cover is provided which includes legal protection from death or injury claims from third parties due to damages causing a permanent injury or death of a person and damage caused to the surrounding property including occupants of the vehicle, cost and expenses incurred without the prior consent of the company and personal accident benefits for the proposer, paid driver and the occupants of the vehicle.

The following contingencies are covered in case the enhanced cover option is chosen:

  • On road repairs will be covered
  • Towing services are covered
  • Charges for the change of tyres are covered
  • In case of a lost key or lockout
  • Emergency fuel is covered

Add-on covers on Bharti AXA Car Insurance

By paying an additional amount of premium, a customer can opt for additional Add-on covers in the base plan to enhance the coverage on the vehicle. The following five types of additional covers are available under the Car Insurance plans offered by Bharti AXA General Insurance:

  • A depreciation cover may be provided that has coverage of up to 5 years from the registration date, 100% repayment on replaced items, the repair costs batteries, airbags, nylon covers, fiber glass and tyres, payment of depreciation amount, which is the value deducted on the replaced parts for up to 2 years of admissible claims.
  • An Invoice Price cover may be availed, in case of its loss, where the compensation is equal to insured value + registration + road tax + insurance.
  • The customer has the option to purchase an additional personal accident add-on cover for the passengers. The coverage that is provided is for a maximum amount of Rs. 1 lakh per person in case of death or permanent total dismemberment.
  • An additional cover may be purchased by the customer for covering the medical expenses of the driver and the passengers in the car.
  • A hospital cash cover may be availed in which a daily limit of up to Rs. 10,000 is given, subject to a maximum of thirty days of hospitalization

Additional features provided by Car Insurance Plans offered by Bharti AXA Insurance

  • A discount on premiums is provided for installing an anti-theft device as well as voluntary deductibles.
  • A No-Claims Bonus of up to 50% is given upon renewal.
  • There is a network of up to 2000 plus garages that is associated with Bharti AXA. The claims at these authorized garages are completely cashless.

The Insured Declared Value or the IDV of the car is fixed by Bharti AXA 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 under Bharti AXA car insurance plan

  • The natural and general aging of the vehicle, which results in wear and tear, is not covered by the Bharti AXA Car insurance plans.
  • The car insurance plans of Bharti AXA Insurance are valid for the use of the car within the country only.
  • If the car is being driven without a driving license, it is recognized as a cognizable offence. Hence, the company will not accept any claims for accidental damage or liabilities that are caused by drivers without a valid license at the time of the accident.
  • The company urges its customers to never drive while they are under the influence of alcohol, drugs or any intoxicants. Therefore, the company will, not accept any claim for accidental damages or liabilities that are caused by drivers while under the influence of drugs, intoxicants or alcohol.
  • The car insurance plan that is provided by Bharti AXA Insurance is strictly for private use only. Therefore, if the vehicle is being used for purposes such as reward or hire, carriage of goods, pace making, organized racing, speed testing, reliability trials and for use in motor trade; and if accidental damages or liabilities occur, then the company will not be entitled to cover the damages and liabilities.
  • The car insurance plan provides coverage to the customer for damages to the vehicle that have occurred as a result of accidents only. The company will not cover any expenses that occur due to electrical or mechanical breakdown.
  • If there is loss or damage that occurs to the vehicle due to nuclear fission or radioactive contamination, the company is not entitled to cover it.

Bharti Axa Car Insurance Premium Calculator

The company provides the facility of premium calculation to prospective individuals seeking to buy car insurance plans form the company. The premium depends on a number of categories like the model of the car, the year of purchase, year of registration, city of operation, sub-model of the car, Insured Declared Value (IDV), etc. The following are some of the instances where the premium has been calculated using the company’s calculator:

  • A wants to apply for a Car Insurance Plan for himself. He has a new vehicle,  a Honda Accord purchased in the month of June 2015,the amount of total premium works out to be Rs.37,800.
  • B wants to buy a plan for his new car and so he approaches a Bharti AXA General Insurance representative for the same. The premium for their car insurance plan for their new Fiat Palio car purchased in the month of August 2015 comes to Rs. 11, 097.
  • C wishes to purchase a car insurance plan for his new Audi Navi Edition car, which he purchased in the month of October 2015. He wishes to cover up to 5 passengers for an amount of Rs. 2 lakhs each.  The premium charged is Rs. 66, 240.

The table tabulates the above data for an instant reference

Applicant

Type of Vehicle

Insured Declared Value  (Rs.)

Premium (Rs.) + Tax (Rs.)

A

Honda Accord 1.6 A/T

443750

14494

B

Fiat Palio 1.2

526154

21685

C

Audi A-4 1.8 TDI Navi Edition

3188218

74558


Bharti AXA Car Insurance - FAQs

1. What kinds of discount can be availed under car insurance policies by Bharti AXA?

The 2 major forms of discount offered under car insurance policies by Bharti AXA are No Claim Bonus and Voluntary Deductible. Further discounts can also be availed by installing anti-theft devices in your car subject to approval by ARAI (Automotive Research Association of India).

2. Is direct claim settlement offered under Bharti AXA Car Insurance Policies?

Yes, direct claim settlement facility is available under Bharti AXA Car Insurance. Bharti AXA has a tie-up with a big network of motor workshops. A policyholder can enjoy direct claim settlement at any of these workshops spread across the country.

3. Is the claim procedure for add-on covers different from the standard claim settlement process?

No, the claim procedure for add-on covers is not different from the standard claim settlement process. You shall be readily covered or reimbursed as per the add-on covers that have been chosen by you.

4. What does the term ‘constructive loss’ mean under Bharti AXA car insurance?

The term ‘constructive loss’ refers to the accidental damages or losses to the insured car in the event of total loss being over 75 percent of the Insured Declared Value.

5. How is the Bharti AXA car insurance premium calculated?

The premiums of your Bharti AXA car insurance plan depends on a variety of factors, such as IDV, model, registration place, claims history etc. It is preferable to approach the insurance company to get the exact premium amount.

6. When should I renew my Bharti AXA car insurance policy?

You should renew your Bharti AXA car insurance policy before its due date. It keeps your car secured against the risks without any breaks and takes care of the loss or damage within the policy period. The timely renewal of your policy helps you to save No Claim Bonus (NCB) — the hard-earned discount on your premiums against claim-free years. Also, plying the vehicle without a motor insurance is against the law.

7. What if my car insurance policy has expired?

If the policy has expired, you can obtain a fresh insurance policy. Since the policy has already expired, the insurer will physically verify your vehicle at your cost. The entitlement of NCB will be as per the rules.

8. How to get a duplicate policy document, in case I lose my original Bharti AXA car insurance policy document?

You can approach a nearby insurance branch with a written request. The insurer will charge a nominal fee to issue a duplicate document of your motor insurance policy.

9. Can I cancel my Bharti AXA car insurance policy midway?

Yes, the policy can be cancelled midway and any unused premium will be refunded on a short period basis, provided there is no claim. To cancel the policy, you have to submit the required document(s) to prove that you have taken a policy from another insurer.

10. I have a Bharti AXA liability only policy. Am I eligible to buy add-ons? 

 No, add-ons are available with comprehensive car insurance policies only.

You can also check insurance for the following car models:

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Bharti AXA Car Insurance Reviews

TOTAL REVIEWS (46)
Rajeev
Shajapur
October 21, 2016

Motor Insurance Policy

The plan for my car is very beneficial and the paybacks are really very high. Service is fast and the garages are giving services 24X7 to the customers. Tow facility is absolutely free of cost and at any location.

Vishal
Chaksu
October 05, 2016

Best Deal

Everyone need a car insurance by his choice or not. I have one from bharti axa general insurance company. Service is fabulous and on time. Coverage is maximum and claims are easy to sanctioned. Online renweals are more easy and simple anyone can do it easily.

Abhinash
Nagpur
September 28, 2016

Finally Got It.

Bharti AXA car insurance is my insurance policy. Service is much much better than anybody. Executives work very hard to solve each and every query of the client. Policy coverage and claims are high and premium is very less. Garages are many in numbers which reduced the waiting time and even tow facility is for free at any location.

Manoj
Bhuj
August 26, 2016

Car Security

My friend suggested me a car insurance policy for my new car, so i took from bharti axa general insurance. Superb customer service given by the insurance company with well behaviour. Car tow service is absolutely free of cost and except tires whole vehicle is secured.

Varun
Guna
August 23, 2016

Car insurance

I have car insurance which come's in very low premium and it has good policy coverage and claims are simply sanctioned. Service provided by you is awesome. Tow car service is absolutely free of cost and at any location.

CHHINDER
Hissar
June 03, 2016

SO GOOD!!!

"Thanking you very much for your support for getting our policy quickly, I would appreciate your work."

CHHINDER
Hissar
June 03, 2016

Really Surprising!!!

"Thanking you very much for your support for getting our policy quickly, I would appreciate your work."

Sandeep
Delhi
April 17, 2016

car insurance

Santro XP 2004 model

Akshay
Faridabad
February 19, 2016

In Complete information

If you have lot of money and are least bothered for claim plz go fr it. They will give you incomplete information fr meeting sales target

Tapan
Udaipur
February 12, 2016

renewal

ok.

Nikhil
Buldhana
February 08, 2016

Great plan..!

My car insurance is very good because the service is good and claim, policy coverage is also high. Toe facility is provide where ever car broke down occur. Approx. Rs.1.3 lakh is recovery amount.
Plan Name: Smart Drive
Agent Code: BPW00186

RAZIYA
Patna
February 07, 2016

Good Service.

My car policy is good enough to stick with it. Claims is not much but around Rs.1.7 lakhs and policy coverage is 60-70%. The service is the best, quick and on time. The toe up the car is also available but charges apply.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Rajesh
Delhi
February 07, 2016

Awesome Policy Plan.

I have car insurance plan from axa general. The policy provide anywhere toe service for free. The coverage is also good even the fiber parts are also included. The experience is good till now rest see in further.
Plan Name: Smart Drive
Agent Code: BPW01745

MUKESH
Raigarh
February 07, 2016

Nice Policy...

I have car plan and the insurer giving good benefits. The fiber and interior parts also included in recovery. The toe car service is provided from anywhere. I really appreciate you work. Nice policy with low premium.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Suresh
Bengaluru
February 07, 2016

Awesome Plan!!!

My car is secure with bharti general insurance. Claim is Rs.3.2 lakh and the coverage is for full car. Toe facility is also available without any extra charges. Service is super sonic fast and on time when needed.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Praveen
Bengaluru
February 07, 2016

"Smart Car Insurance"

I have car insurance which have some good points like toe facility, premium is low, policy coverage is high but not for interior part, claims are around 80% but take some days or week for clearance. Nice plan i like it.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Kalu
Gurgaon
February 07, 2016

"Average Car Plan"

I have car insurance with axa. My car plan is an average policy. The premium is low but the returns also low. Policy coverage is not for the fiber parts. Claim is Rs.2 lakh and the service is slow.Few garages working in many.
Plan Name: Smart Drive
Agent Code: BPW01745

Adam
Navi_mumbai
February 07, 2016

"Nice Policy"

My car is insure with bharti axa. The policy coverage is not for fiber parts. The service is superb and the toe facility is provided without any charge. Claim Take's time to sanction. Okay policy with nice benefits.
Plan Name: Smart Drive
Agent Code: BPW01745

Surender
Gurgaon
February 07, 2016

"Fantastic Policy"

My car insurance is really cool. The toe facility is of free of cost and premium is low. Policy cover whole coverage of the car damages. After the service the become new one. Great service, I'm loving it.
Plan Name: Smart Drive
Agent Code: BPW01745

Gopinath
Bengaluru
February 07, 2016

"Average Plan For Car"

My car policy is average one with low premium. The car service provided is not that good but the coverage is nice except the fiber and interior parts. The count of the garages are less which working properly.
Plan Name: Smart Drive
Agent Code: BPW01745

Nachiketa
Noida
February 07, 2016

"Car Insurance"

Bharti axa is insurer for my car insurance. The policy is good but i'm not saying that service is best but good enough to provide on time. The claims and coverage is also good with toe facility but charges may apply.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Shikha
Delhi
February 07, 2016

"Car Plan"

The company pay the whole bill for my car repairing and the door service is provided. My car become new one in looks and in drive too. I'm really happy with your hospitality. Satisfied...
Plan Name: Smart Drive
Agent Code: BPW01745

Priti
Mumbai
February 07, 2016

"Superb Policy"

My car is secure with general insurance but the service is bit slow that's why last time i had some delay in repairing. Rather then this i'm happy with the policy. Even toe facility is free of cost.
Plan Name: Smart Drive
Agent Code: BPW01745

INDERJEET
Gurgaon
February 06, 2016

"Car Security"

I have insurance for my car. Through the policybazaar agent i buy the policy. The recovery is fast and service is superb. Toe facility is of free of any charge. Had great experience with you guys. Thank you.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745

Mohit
Delhi
February 06, 2016

"Car Recovery"

My car is secure with axa. Last month i had an accident but thank god i have policy which recover my whole car and i don't have to pay. Even the toe facility is provided but it is not for free. Happy with the policy.
Plan Name: Smart Drive (D + RSA)
Agent Code: BPW01745