Bharti AXA Two Wheeler Insurance

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 Bharti Axa Company started its operations in 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. Two-wheeler insurance offered by the company falls under the category of Motor Insurance plans offered. Two wheeler 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 two-wheeler.

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Advantages of Buying Bharti AXA Two Wheeler Insurance Policy

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. This insurance is important as it protects the customer against damages that have been caused to their vehicle or a third party in case there is an accident. Given below are the advantages of buying two-wheeler insurance plans from Bharti AXA General Insurance:

  • Fast claim settling process
  • Large network for cashless claims
  • 24 hours customer care support
  • A comprehensive two-wheeler insurance plan is offered by the company, which covers for both personal accident covers and third party legal liability under the same plan.
  • Bharti Axa two Wheeler Insurance Claims can be renewed online simply by logging on the company’s website
  • Plan can be bought online or even renewed
  • Up to 50% of the No Claim Bonus of any existing plan from another insurer can be transferred to the two-wheeler insurance plan bought from Bharti AXA General Insurance Company. In case the customer is transferring a insurance policy for the first time to Bharti AXA Insurance, they can be sure that Bharti AXA will retain the number of claim-free years that has accumulated under the previous policy so long as the two-wheeler vehicle is insured within ninety days of the renewal due date.
  • There is a facility of SMS alerts on the claim status operated through the company’s 24*7 call centers.
  • Over 2000+preferred workshops across the country that are associated with Bharti AXA provides access to hassle-free inspection services and gives the customers high standards of service for their insurance plans.
  • Personal Accident Cover is provided to the customer in case of the death or permanent total dismemberment that arises out of the two-wheeler accident.

Bharti AXA Two Wheeler Insurance Coverage

The following contingencies are covered in Bharti AXA two-wheeler insurance policy offered by Bharti AXA General Insurance Company:

  • Loss or damage to the bike or two-wheeler due to natural calamities like fire, explosion, self-ignition or lightning, earthquake, landslide, flood, typhoon, hurricane, frost, storm, tempest, inundation, rockslide, cyclone and hailstorm.
  • Loss or damage to the bike or two-wheeler due to man-made causes like burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage while the two-wheeler is in transit by road, rail, inland waterway, lift, elevator or air
  • There is a Personal Accident Cover to the driver or owner of the vehicle while driving or travelling and mounting or dismounting from the vehicle. The coverage under the plan is provided for Rs.15 lakhs.
  • A third party legal liability cover 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 two-wheeler. The damage to the third party property has a maximum limit of Rs. 7,50,000.

Additional Coverage offered by the Bharti AXA Two Wheeler Insurance

  • An optional cover can be taken under the Bharti AXA two-wheeler plan for co-passengers under the Two-wheeler insurance plan. The compensation that will be provided in the event of the death or permanent total dismemberment of a passenger or passengers will be Rs. 1 lakh.
  • By paying an additional premium, the customer can insure the accessories of his or her two-wheeler. In case these accessories have been fitted by the factory then they are automatically insured. However, if the accessories have been fitted at a later period of time, then they will have to be insured separately under an additional cover by paying an additional premium for the same.

Exclusions under Bharti AXA Two Wheeler Insurance Plan

While the two-wheeler insurance plan offered by the Bharti AXA General Insurance company has an exhaustive coverage, certain damages are excluded from the scope of coverage of the plans. Here is a list of exclusions, i.e. aspects that are not covered by the Bharti AXA Two Wheeler insurance policies:

  • Normal wear and tear of the bike due to regular usage and general aging of the two-wheeler will not be covered under the plans
  • Mechanical or electrical breakdown of the vehicle is not covered by the plan
  • Circumstances where the vehicle is being used otherwise than in accordance with the limitations of the vehicle usage
  • Depreciation or any consequential loss
  • Damage to or by a person driving any vehicle without a valid driving license is not covered under the plan
  • There will be no cover if there is damage to or by a person driving any vehicle under the influence of drugs or liquor
  • Loss or damage caused to the vehicle due to war, mutiny or nuclear risk will not be covered by the plan
  • Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time

Compulsory Excess

This is the amount that the customer has to pay for each and every claim that is made. For motorized two-wheeler vehicles, the amount is Rs. 100.

Voluntary Excess or Voluntary Deductible

This is an extra amount is paid by the customer that is over and above the Compulsory Excess.  This is an option given to the customer to opt for bearing a certain amount of loss from every claim. The customer can select this option if he or she is a very confident driver. For choosing this option, the customer is eligible for a discount on Own Damage Premium or ODP. The table below demonstrates the discount:

Voluntary Deductible in Bharti Axa Two Wheeler Insurance:

Voluntary Deductible


Rs. 500

5% on the OD Premium of the two-wheeler, subject to a maximum amount of RS. 50


10% on the OD Premium of the two-wheeler, subject to a maximum amount of RS. 50

Rs. 1000

15% on the OD Premium of the two-wheeler, subject to a maximum amount of RS. 50

Rs. 1500

20% on the OD Premium of the two-wheeler, subject to a maximum amount of RS. 50

Rs. 3000

25% on the OD Premium of the two-wheeler, subject to a maximum amount of RS. 50

Claims Process for Bharti AXA 2 Wheeler Insurance

The company provides a step-by-step guide to its customers so that they can easily raise and settle their Bharti AXA two-wheeler insurance claims as and when they occur. Below is the step-by-step guide to claim settlement under the two-wheeler insurance plans:

Step1 - Register the Claim

The customer should then register the claim with the company by calling on the company’s toll-free number. The customer should provide the necessary information to the customer care executive that is required for registering the claim. The customer can also log on to the company website and download the claim form to fill up. The required information includes the contact number, engine, and chassis number, accident date and time, description and location of the accident, vehicle inspection address, Kilometer reading. After the claim is registered, the customer support executive will provide the customer with the Claim Reference Number. This number can be used to know the status of the claim. The company will also update the customer with the claim status at every stage of claim procession through an SMS. Moreover, the customer can also check the status of the claim by calling the company’s toll-free number, and quoting the Claim Reference Number.

Step  2 - Sending the damaged vehicle for repairs

When the two-wheeler is damaged it will need to be taken as quickly as possible to a garage. The customer can either take the vehicle to the garage himself if it is possible or have it towed to the nearest garage so that any further damage does not happen to the vehicle

If there has been a theft of the two-wheeler, the customer must immediately file police in writing and also inform Bharti AXA General Insurance by giving a call on the company’s toll-free number. If the vehicle is not found within 90 days the customer should obtain a Non-Traceable Report from the police authorities. The report is an undertaking given by the police stating that they are yet to find the vehicle. The customer should submit the Non-Traceable Report to the company after which the company will start the claim settlement process.

Step 3 - Survey and Claim Settlement

The customer is required to provide a copy of the documents mentioned underneath to the garage or dealer and should get the document verified with the originals.

Documents Required to Claim Bharti AXA Two Wheeler Insurance

For Accident Claims:

  • Duly signed Claim form  by the insured
  • Original RC Copy of the Vehicle
  • Original Driving License as well as a self-attested copy
  • Copy of the first two pages of the Policy
  • FIR or charge sheet in case of major damage or third party property damage or theft of the vehicle or damages due to riot, strike or malicious acts
  • Original Estimate
  • Original repair invoice and payment receipt. If the repair was done in a preferred workshop under the cashless scheme, only the repair invoice is required
  • Satisfaction letter will have to be provided if the customer would like to avail the cashless facility at Bharti AXA’s preferred workshops or garages.
  • A stamp is required in case of company-registered vehicle’s original documents.

For Theft Claims:

  • Claim form duly signed by the insured
  • RC Copy of the Vehicle with all original keys
  • The Driving License original and a self-attested copy
  • Copy of the original Policy
  • Original FIR copy of the complete report of the theft
  • RTO transfer papers duly signed along with Form number 28, 29, 30 and 35 (if hypothecated)
  • Final Report - a no-trace report from the police stating that the vehicle cannot be located
  • A stamp is required in case of company-registered vehicle’s original documents.

For Third Party Claims:

  • Claim form duly signed by the insured
  • FIR Copy
  • Original Driving License and a self-attested Copy
  • Copy of the original Policy
  • RC copy of the vehicle
  • Satisfaction letter will have to be provided if the customer would like to avail the cashless facility at Bharti AXA’s preferred workshops or garages.
  • A stamp is required in case of company-registered vehicle’s original documents.

After the completion of repairs to the vehicle at a preferred garage, the Bharti AXA General Insurance Company will make the payment of the loss directly to the garage and the customer will not have to bother with the payments. However, the customer is supposed to pay the excess amount as mentioned in the policy and the depreciation value, salvage value, etc. as informed by the surveyor of the company.

Applying for Bharti AXA Two Wheeler Insurance Policy

Two-wheeler insurance plans can be bought:

  • By calling the toll free no and speak with the customer service officer.
  • Interested customers may write directly to the company at customer[dot]service@bharti-axagi[dot]co[dot]in
  • Customers may send a message to 5667700 using keywords such as Claim, Service, Renew and Call Back.
  • They can provide their name, mobile number and email id on the website of the company and request for a call back.
  • Online two-wheeler insurance plans can be simply applied to by clicking the ‘Buy Now’ tab mentioned against the relevant plans.
  • Be dropping into the branches

Bharti AXA Two Wheeler Insurance Renewal

If your bike insurance policy by Bharti AXA is about to get expired, you can get it renewed online. In fact, Bharti AXA bike insurance renewal process is extremely easy. You just have to follow the Bharti AXA two wheeler insurance renewal steps given belowbefore your policy expiry date. Take a look:

  • Find the renewal section on the website
  • Fill in the details required on the form. You may have to enter your previous policy number as well as your personal details
  • You can choose to add or renew any add-on covers
  • Pay the premium for Bharti AXA bike insurance renewal
  • Your policy will be renewed as soon as the payment is received by the insurer.

Bharti AXA Two Wheeler Insurance Premium Calculator

The Bharti AXA General Insurance company provides the facility of premium calculation to prospective individuals seeking to buy insurance plans form the company. The premium depends on a number of categories like the model of the vehicle, the year of purchase, year of registration, city of operation, sub-model of the vehicle, Insured Declared Value (IDV), etc.The premium calculator may be found by visiting the company website where the customers can get a quick quote from the company website. The following are some of the instances where the premium has been calculated using the company’s calculator:

  • A wants to apply for a two wheeler Insurance Plan for himself. He has a new vehicle,  a Bajaj Pulsar 200 4V 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 bike and so he approaches a Bharti AXA General Insurance representative for the same. The premium for his two-wheeler insurance plan for his new Hero Honda Achiever (DRM) Visor purchased in the month of August 2015 comes to Rs.11, 097.

The table tabulates the above data for an instant reference


Type of Vehicle

Insured Declared Value  (Rs.)

Premium (Rs.) + Tax (Rs.)


Bajaj Pulsar 200 4V




Hero Honda Achiever (DRM) Visor



You can also check insurance for the following bike models:

Bharti AXA Two Wheeler Insurance - FAQs

  • Q1. How to pay the premium? What are the modes of payment available?

    Ans: Bharti AXA Two Wheeler Insurance provides their customer with three different modes for payment of the premium.
    • Online Payment
    • Auto Debit with a mandate
    • Cash/ Cheque payment at banks

    Policyholder can sign the mandate that the company provides at the time, the policy is signed. You can also rule out that and pay the amount directly to the account either by cheque or cash or by online banking mode.

  • Q2. How can I check Bharti AXA Two Wheeler Insurance policy status?

    Ans: If you are a policyholder, you can directly go to the site of Bharti AXA and provide the details of your policy number, and date of birth as a mandate. You will find that your name and the details of the policy will be popped out in a window. You will have to click on the Check Details tab. There you will find the last payment date, next due date and the number of payments left. You can also register your mobile number and thus you will get the details of the date and amount of the policy directly by SMS on your registered phone.
  • Q3. What is the process for Bharti AXA Two Wheeler Insurance renewal?

    Ans: In general, the mandates are signed by the agent so that the users and the policyholder face no hazard. However you can opt for manual payment. In that case, you will get an SMS of the due date. You will have to go to the site and pay the due amount for the Bharti AXA Policy renewal.
  • Q4. How to settle Bharti Axa Two Wheeler Insurance claim?

    Ans: Generally, the Bharti Axa Two Wheeler Insurance claim is settled within seven days of the accidents. If you are having a medical facility, then you will be provided a card and the list of nursing homes, where you can get the discount. For other cases, the officer from the company will visit your home or the spot and after inspection, the claim will be settled. They might ask you to submit some documents in this process.
  • Q5. What is the procedure for cancellation of Bharti AXA Two Wheeler Insurance Policy?

    Ans: You can get through the toll-free no, and order for cancellation of the policy. They will give you certain instruction to carry some documents to the help desk. You will have to wait for a month after the documentation. After the policy is cancelled, you will be given an intimation letter at the registered address.
  • Q6. What is the address of Bharti Axa General Insurance Company?

    Ans: Bharti AXA General Insurance Co.Ltd.,
    Firs tFloor,The Ferns Icon,
    Survey No.28 Next to Akme Ballet,Doddanekundi,

    Off Outer Ring Road, Bangalore - 560037

Bharti AXA Two Wheeler Insurance Reviews & Ratings

4.5 / 5 (Based on 61 Reviews)
(Showing Newest 25 reviews)
Nagpur, October 09, 2021
Easy to compare
I recently gifted a bike to my brother. After a few days I thought of insuring the bike. at first I checked the plans at different places then I got Bharti axa Two Wheeler Insurance from Policybazaar which was according to my need and budget.
Thane, August 18, 2021
Good Customer Support
I have been using Bharti AXA two wheeler policy for a long time which i had taken from the policy bazaar website. my vehicle i met an accident last month then i contacted policy bazaar and i got claim easily. company has fastest claiming process and will give you 24*7 customer support.
Lucknow, June 04, 2021
A great assistance
I have recently bought a two wheeler insurance policy from the website of the Policybazaar. It is one of the best plan I had for my two wheeler and it has helped me to protect my two wheeler from uncertainties. Thank you policybazaar.
Kanpur, June 04, 2021
In my budget
The two wheeler insurance plan of bharti axa was under my budget and it has been really good. I have got to know various plans under the website of Policybazaar and I finalize the relevant one for my two wheeler. So, I feel it is best and worthy enough.
Gonda, June 04, 2021
Lowest premiums
I feel for the lowest premiums of two wheeler insurance plans it is good to go for bharti axa two wheeler insurance policy. A best plan for my two wheeler and I can check different plans at one place. Thats why I consider policybazaar and bharti axa the best one.
Baarod, February 17, 2021
Vast Range of Network Garages
The network garage list of Bharti AXA Bike Insurance Company is vast. I was able to locate one of the nearest network garages from the website of Want to thank them.
Nabadwip, February 16, 2021
Hassle-Free Claim Process
After an accident, my bike needed repair. I contacted customer support of for the same as I bought my Bharti AXA Bike Insurance from them only. The executive suggested me the steps to file a claim to get cashless service at a network hospital. The claim process was hassle-free and got the claim easily.
Jabalpur, February 16, 2021
Authentic Bike Insurance Plan is an authentic platform to buy a genuine bike insurance policy. I was not very sure about selecting a bike insurance policy for me, but when I landed at my problem was resolved. I got many options as per my needs and I selected Bharti AXA Bike Insurance as it was as per my needs. I got good coverage at an affordable premium.
N.paravur, February 16, 2021
A Vast List of Insurers As Per my Suitability
I was very happy to see a vast list of insurance providers according to my requirements at This is because when I contacted some of the insurers personally and told my requirements from a bike insurance policy they quoted a very high premium. But at I got a long list according to my needs and I finalized Bharti AXA Bike Insurance.
K.c. Pur, February 16, 2021
Learned About the Network Garages of Bharti AXA Bike Insurance
Getting to know about the list of network garages of Bharti AXA Bike Insurance is very simple at If you do not want to search on their website, you can call their customer support as they are also very easily accessible.
Padampur, February 16, 2021
Accessible Customer Care
I want to thank the customer support team of for helping me throughout the purchase process of Bharti AXA Bike Insurance online. I contacted their customer care and the executive helped me in not only selecting a plan but also buying it online as I was buying it for the first time.
Padampur, February 01, 2021
Add-On Coverage Details
I wanted add-on covers to extend the coverage of my Bharti AXA Bike Insurance policy. So, I called customer support of, and the executive there, helped me a lot to understand the available add-on covers for my policy. I purchased Roadside assistance and Zero Dep cover for my bike.
Idar, February 01, 2021
Reliable Website
I hardly trust websites and online services for purchasing insurance plans, but I want to say that is a reliable site. I trusted them due to lockdown and it was the best decision. I was able to renew my Bharti AXA Bike Insurance policy through a smooth online purchase process. So, I can say that they are very reliable.
N.paravur, January 29, 2021
Hassle-Free Purchase
I was able to get Bharti AXA Bike Insurance Policy for my Bajaj Pulsar 180 without any problem because of The purchase process of a two-wheeler insurance policy at this site is hassle-free.
Dabhoi, January 29, 2021
Cost-Effective Bike Insurance Policy
I purchased Bharti AXA Bike Insurance policy for my Honda Activa and I am very much happy with its coverage and affordable premium. I can select this plan for my two-wheeler is Thank you for providing me the most cost-effective bike insurance policy.
Tadpatri, July 02, 2020
Compare prices
You can compare the prices on the website of policybazaar. I compared various plan on the website and purchased the affordable one.
J. P. Nagar, July 01, 2020
I am happy to be a part of policybazaar. As, I purchased the two wheeler insurance I compared a lot many plans and which suits me I bought that one.
Anlaberini, June 30, 2020
Add on covers
There is one good point in buying the insurance is that we can add on the covers into our insurance plan.
Adoor, June 29, 2020
NCB assistance
The assistance provided by the company is very nice. I called the customer care team and they helped me in NCB assistance.
Tadpatri, June 29, 2020
Customer service
The after sales service team is very nice and they helped me a lot in certain documentations. Easy way to communicate with them.
Dabugam, June 20, 2020
Safety and security
The two wheeler plan helps in the safety and security of the policy. It helped me in safety fromtheft, loss and accident.
Faridabad, June 20, 2020
Good services
I am happy with the services of the policybazaar. They actually help in getting a good insurance policy.
Machalisahar, June 20, 2020
Digital media
Today’s digital world is progressing a lot. So, the policybazaar. They provided me the best online policy and I am really happy with the services.
Hagaribommanahalli, June 18, 2020
Sober agents
The agents of policybazaar is quite good. They are well trained and make people understand about plans.
Jadcherla, June 18, 2020
Some legalities
So, everything will be covered under the insurance. But if any accident occurred under the circumstances of alcohol or liquor then it will not be covered.
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