Bharti AXA Two Wheeler Insurance

4.1 / 5 based on 25 User Reviews
*Please note that the quotes shown will be from our partners

Bharti AXA Two Wheeler 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 Bharti Axa 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.  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 vehicle.

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 has 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 cover 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 car 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.1 lakh.
  • 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 minimum limit of Rs. 6000 and 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 ageing 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

Discount

Rs. 500

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

Rs.750

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

Rs. 1000

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

Rs. 1500

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

Rs. 3000

25% on the OD Premium of the two-wheeler vehicle, 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 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 vehicle 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 a 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 Premium Calculator

The Bharti AXA General Insurance 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 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

Applicant

Type of Vehicle

Insured Declared Value  (Rs.)

Premium (Rs.) + Tax (Rs.)

A

Bajaj Pulsar 200 4V

83116

2047.44

B

Hero Honda Achiever (DRM) Visor

46502

1575.48

You can also check insurance for the following bike models:

Bharti AXA Two Wheeler Insurance - FAQs

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

Bharti AXA Two Wheeler Insurance provide their customer three different modes for payment of the premium.

  • Online Payment
  • Auto Debit with a mandate
  • Cash/ Cheque payment at banks

Policy holder 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.

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

If you are a policy holder, 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.

3. What is the process for Bharti AXA Two Wheeler Insurance renewal?

In general the mandates are signed buy the agent so that the users and the policy holder face no hazard. However you can opt for manual payment. In that case you will get a SMS of the due date. You will have to go to the site and pay the due amount for the Bharti AXA Policy renewal.

4. How to settle Bharti Axa Two Wheeler Insurance claim?

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.

5. What is the procedure for cancellation of Bharti AXA Two Wheeler Insurance Policy?

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.

6. What is the address of Bharti Axa General Insurance Company?

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

You might be interested following insurance plans provided by Bharti AXA General Insurance Company:

Bharti AXA Two Wheeler Insurance Reviews

TOTAL REVIEWS (25)
Vabhav
Gangavati
August 02, 2016

High Returns

Two wheeler insurance of my bike is great which i bought from bharti axa insurance company. The returns are high and investment is less. Excluding tires the bike is fully insured. Tow up facility is also for free at any location.

Chintu
Dharakote
July 21, 2016

Bharti two wheeler policy

For my new vehicle i purchase bharti axa two wheeler insurance plan. The policy provides great service. It contains large number of garages which gives 24X7 service and the full vehicle is secure except tires. The tow service is also free at any location.

Kapil
Cochin
July 05, 2016

Bike insurance

I had an accident last month but thank god i had the two wheeler insurance plan which make my damaged bike like a new as i purchased it new bike. The whole vehicle is insured in the plan except tires. Some accidental benefits are also for the owner/driver too.

Gautam
Ambala
June 24, 2016

Fair Deal

My new bike is secure with my two wheeler insurance plan. The policy coverage is high and premium is low. Service is fantastic an the tow facility is provided at any location which is absolutely free. Except tires the whole vehicle is insured. Large number of garages is provided for fast and on time service availability. Good insurance, great work.

Dhruba
Jorhat
May 31, 2016

Great Policy

The policy is very nice and terms and conditions are good. Policy coverage is approx. 91% and claims are high which easily cleared due to fast service. I'm happy with the plan which provide the tow facility which is absolutely free of cost. Updates regarding policy are send regularly.

Sadhvi
Ooty
May 31, 2016

Better Plan

I have a policy like everyone has, the policy is bharti axa two wheeler insurance plan. Policy provide fast service with good interface. No paperwork which reduces tension of waiting in queue. The tow bike is facilitate by the policy plan and no extra charge for it. Good job guys, I like it.

Naina
Kurukshetra
May 31, 2016

Wonderful

Bharti axa two wheeler insurance plan I purchase. Premium is low and paybacks are high. Policy coverage is high ~89% and the claims are good. Fast claim settling process. A comprehensive two-wheeler insurance plan is offered by the company, which covers for both personal accident cover and third party legal liability under the same plan.

Sonali
Meerut
May 31, 2016

High Coverage

Policy is very nice. Coverage is high with low premium. Bharti axa two wheeler insurance plan is working for me. Service facilitate by the team of the company is fast and on time too. The updates regarding policy is mailed to me regularly.

Kabir
Alwar
May 31, 2016

Poor Policy

Service is slow, premium is normal but the returns are not satisfactory. The bharti axa two wheeler insurance plan is nit what I expected. Tow up facility is chargeable, it not included in the policy. Please improve the policy.

Rishi
Howrah
May 31, 2016

Very Good

The bharti axa two wheeler insurance plan provide's personal accident cover to the customer in case of the death or permanent total dismemberment that arises out of the two-wheeler accident. Service is facilitate 24X7 by the staff of the company. Fantastic policy coverage in low premiums. The tow up facility is absolutely free.

Mayank
Noida
May 31, 2016

Satisfactory Plan

Premium is low but the paybacks are high. Good claims which can be easily sanctioned by the executives and staff members. The behaviour of the team is also nice and calm. I'm really happy to buy bharti axa two wheeler insurance plan. Fully satisfied with it.

Nidhi
Kalyan
May 31, 2016

Trustworthy

Nice policy which I have i.e., bharti axa two wheeler insurance plan. The policy has smart feature of transfer the another policy of another insurer to bharti axa. Approx. 50% of the no claim bonus of any existing plan from another insurer can be transferred to the two-wheeler insurance plan. Good coverage and premium is low.

Xoraver
Jammu
May 31, 2016

Future Security

Good coverage by this policy. Loss or damage to the two-wheeler due to natural calamities like fire, explosion, self-ignition or lightning, earthquake, landslide, flood, typhoon, hurricane, frost,storm, cyclone. Great deal provided by bharti axa two wheeler insurance plan.

Harindra
Navi_mumbai
May 31, 2016

Power Plan

I had two wheeler insurance plan which I buy from bharti axa general insurance. Fast claim settling process, 24 hours customer care support. 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. Good policy, I like it.

Zara
Gautam_buddha_nagar
May 31, 2016

Fantastic Plan

Recently bought bharti axa two wheeler insurance plan. Policy plan has good benefits, low premiums, high coverage, claims easily sanctioned because of fast service facilitate by the executives and staff. A comprehensive two wheeler insurance plan is offered by the company, which covers for both personal accident cover and third party legal liability under the same plan.

Mankaran
Ashok_nagar
May 31, 2016

Good Service

My bharti axa two wheeler insurance plan is fine. Policy coverage is good and premium is low. Service is good, tow up facility is facilitate by the executives and staff of the company. Insurance claims can be renewed online simply by logging on the company’s website.

Raghav
Darjeeling
May 31, 2016

Super Plan

I buy bharti axa two wheeler insurance plan. The policy coverage is high ~90% and the claims are good. Tow up facility is inbuilt in the policy. Huge number of garages are working with the plan and service is fast and on time. Good behaviour provided by the executives and staff members. Updates regarding policy is mailed regularly.

Tarun
Shikarpur
May 30, 2016

Best Plan

After long searching on web I found perfect policy plan what I needed for my new bike. Bharti axa two wheeler insurance plan is the best which has low premiums and the claims are high. The tow up facility is free and large number of garages are there for good, fast and on time service.

Vishal
Kota
May 30, 2016

Above Average

The policy I purchase last month is bharti axa two wheeler insurance plan. The policy has good benefits like tow facility is free, Premiums are low. Service facilitate by the executives and staff members is really good with calm beheviour.

Nitin
Udaipur
May 30, 2016

High Coverage

Huge number of garages makes fast service with no time wasting. The tow facility for the two wheeler is absolutely free. Policy coverage is high and claims are even better. Great policy bharti axa two wheeler insurance plan. I like the plan.

Bhasker
Indore
May 30, 2016

Fair Policy

Bharti axa two wheeler insurance plan is nice policy which I purchase few months ago. The premium is low and coverage is high. The garages are many so that the service is fantastic and no waiting for the customer. The tow facility is also facilitate by the policy which is free of any charges.

Mankaran
Calicut
May 30, 2016

Average

My bharti axa two wheeler insurance plan is wonderful. Premium is low and coverage is high. Huge number of garages are providing good service. Even the tow facility is inbuilt in the plan, no extra charges for that. Good future investment, I like the policy.

Akash
Amritsar
May 30, 2016

Good

I purchase bharti axa two wheeler insurance plan. The policy coverage is high and the premium is low. Good service facilitate by the executives and staff members. The tow facility is for free and large number of garages are there for fast service.

Digbijoy
Faridabad
March 08, 2016

Renew

policy is valid up to 11,4,2016

Rajshree
Bangalore
December 18, 2015

Good after sell service

I was looking two wheeler insurance plans for my bike than my one friend recommended Bharti AXA bike insurance plan. I compared it on PolicyBazaar then I found low budget insurance plan from Bharti AXA. Now I am very satisfied with their services. And further I would recommend Bharti bike insurance plan to my friends.