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 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.  
  • 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 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 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 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 insurance premium calculator, you compare different features and opt for a personalized plan. You can also compare the insurance premium by switching the benefits.

You can calculate the premium on the basis of the coverage benefits that you want to buy. You can find the most affordable options.

Car Insurance Claim Procedure

Bharti AXA 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: 11 June 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 66 Reviews)
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Bharti AXA Car Insurance Reviews & Ratings
4.4 / 5 (Based on 66 Reviews)
(Showing Newest 15 reviews)
Komal
Gadat, June 18, 2020
Hospitalization charges are covered
I purchased the comprehensive car insurance policy. In that plan the hospitalization i.e the injuries charges are covered for me and the third party with whom I met with an accident. It is a great coverage as sometimes the financial burden takes place at the time of accident which is not in our hand. Proper facilities been provided by the insurance company to us and the third party. I really like this plan and it was recommended to me by my business partner.
Vineet
Hagaribommanahalli, June 18, 2020
EMI system is easily available
Recently I purchased the car insurance policy online via policybazaar and the insurance provider is bharti axa. I got the information from the team that I can make the payment via Emi basis. And I found it quite apt. It was very much convenient for me to handle the finances. They even told me several features which made me realised that I took a great plan for my car security and safety. I got to know that car insurance policy is very important and mandatory too.
Varun
Fakirsahi, June 18, 2020
After sales team is good
The after sales team people are very good. So I was having a trouble in renewing the policy. And my application was not working so I called the customer care team of bharti axa and they immediately start working on my renewal work. It took few minutes in dealing with everything. It was a smooth work without any problem. Great work team.
Mohan
Dabugam, June 18, 2020
Soft copy
I bought a new car insurance policy from bharti axa and it was a nice product. I bought the car insurance policy for the first time. It was nice and a good gesture to be done by bharti axa. This world of digitalization has leads to many good things. I got my car insurance soft copy on that day only. Infact I got my soft copy within 20 minutes of policy purchase. Appreciable services from bharti axa such fast services.
Drishti
Captainganj, June 18, 2020
Towing facilities are also covered
One of the most amazing facility I like it is that towing assistance. So, my car broke out at some deserted place and it was not starting at all. I decided to call the bharti axa team for the rescue. They immediately helped me and sent their team for my rescue and my car. Towing machine came and they sent my car to the nearest authorized garage. I am really thankful that I got my policy done from policybazaar and bharti axa as I got good facilities at less price and at right time. Thanks a ton.
Umakant
Jabalpur, June 18, 2020
Online purchase is so easy
I feel it very easy to buy the car insurance policy online. It’s just I have to don’t go anywhere and have to use my laptop or mobile. Search for various car insurance plans on the website of policybazaar. And If I faced any kind of problem then I can get the assistance from policybazaar team regarding the plans and policies. Online buying the insurance policy is so convenient and it is hassle free too.
Manisha
Babina, June 18, 2020
Additional coverage
I have taken the car insurance from policybazaar and with that I have added an additional coverage of personal accident for my co-riders. It is a kind of safety option which bharti axa team told me at the time of buying the insurance. It is not mandatory but I wanted to secure the life of my family members. With less cost I got it and have secured each and every one. Thank you team for great services.
Vandana
Canning, June 18, 2020
Third party insurance policy
Recently one of cousin purchased the car insurance policy from policybazaar website of bharti axa. He got the third party insurance plan where the insurance company will cover the damages made to the car and the injuries occurred while the accident took place. It will cover the whole thing for both the parties. For me and for the third party with whom I met with an accident.
Manish
Vadgaon, June 17, 2020
Comprehensive insurance policy
I purchased the car insurance policy from bharti axa. It is a great plan and I really like it. It will lesser down my burden of financial and legal. As it covers the accident cover. Let’s suppose if I met with an accident then it will cover the damages of my car as well as third party’s car. It also covers the man-made as well as natural calamities like earthquake, floods, cyclones etc. Great coverage at low premium rates.
Rakesh
Wadhwan, June 17, 2020
Renewal online
The online media has done a lot of progress and it has created a great platform for the buyers and sellers. I purchased a car insurance policy from bharti axa from the website of policybazaar. It was the time of renewal and I renewed my policy from the mobile application of policybazaar. I didn’t call the customer care as it can be easily done via mobile application. Thanks for great interface and best plans.
Sachin
Canning, June 17, 2020
Buy online and save time
I got to know about policybazaar from one of my friend. He has also taken the policy from bharti axa from the website of policybazaar and was quite happy. So when I took a new car I asked him for the same. He suggested me this. I went to the website and saw various different online plans. I compared a lot many plans. And selected the bharti axa. The premium rate was less and I can easily afford it.
Kailash
Etmadpur, June 17, 2020
Assistance at higher level
I am very much happy and satisfied with the services of the bharti axa and policybazaar. As they helped me to get the best car insurance plan for my car and have provided with the financial and legal assistance. Better services with safety measures. I have recommended many people about the same. The company assistance level is good and they are quite proactive in nature.
Mahesh
Dabhoda, June 17, 2020
Stress free work
With the better and approachable assistance of bharti axa I got a stress free facilities and I can drive my car on road without any tension. Because the cashless claim garages are easily available and you can easily approach them by the help of bharti axa and team. You claim will be settled in few minutes.
Yash
Beawar, June 17, 2020
Savings a lot
I saved a lot of money by getting a car insurance policy from policybazaar and bharti axa. With the help of policybazaar I saved and get a lot of good discounts. I compared plans in policybazaar website and I found the bharti axa as the best one. The buying process was quite easy. And I have done the online payment.
Komal
Hajipur, May 31, 2020
All time assistance
One of the best thing I like about bharti axa is that it provides with online services really well and are available for their customers at every hour. They are 24*7 available over the phone call, emails, whatsapp and even on social media. If I have any concern or query I can connect with them at any point of time.
Gatik
Jagudan, May 31, 2020
Cashless claim facilities
Bharti axa is such a big and branded company that they have deals with various authorized network garages. There are round about 3000 network garages available all over India. And I can settle my claim as in cashless form without any problem and trouble. It’s just a call to customer care and everything will be done easily. Thanks team bharti axa and policybazaar for such great plans.
Hridaan
Jagatsinghpur, May 30, 2020
Minimum document required
I really like the working style of the bharti axa as they are working really good. One of the best factor is that at the time of filing the claim there were only minimum documents were required. Which are easy to carry and the whole process can be done on online basis. A good way to settle claim and it is hassle free.
Harish
Dabugam, May 30, 2020
Documentation should be proper
I was about to file for a claim for my car as my car met with an accident. So I explained each and every details to the customer care of bharti axa that how my car met with an accident. Their team visited to the place where my car met with an accident. They checked and made up a video. And told me to submit each and every document as soon as possible. So the documents should be complete at the time of settling of the claim.
Farhan
Babina, May 29, 2020
Claim accepted in minutes
One of the best feature I like about the Bharti axa is that it’s claim settlement ratio and method. They approve the claim very fast and without any kind of hurdle. They believe In solving the claim case on immediate basis by proper inspection and estimation of the claim amount. Such great work.
Meenal
Jagdishpur, May 29, 2020
Renewal of the car insurance
I recently renewed my car insurance policy from bharti axa through the website of policybazaar. I really like the services of the policybazaar as well as bharti axa. So that’s why I decided to renew my policy from the same company. The services are very good and I have a very good experience with them. Thank you team policybazaar for such great support.
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.