Bharti AXA Comprehensive Bike Insurance

Bharti AXA Comprehensive Bike Insurance is worthy of its name, covering for eventualities arising from accidents, third-party liabilities or so on!

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Bharti AXA Comprehensive Bike Insurance: An Overview

Bharti AXA Comprehensive Bike Insurance combines coverage for the compulsory third-party liabilities and own damage cover. There is an additional cover called personal accident insurance. The policy covers eventualities arising from accidents and financial claims for third party damages involving your bike or scooter causing bodily injuries.

It also covers your two-wheeler for damages caused by natural disasters like earthquakes besides human acts, including theft and riots.  Thus, the comprehensive Bike Insurance Bharti AXA policy is essentially designed to provide 360-degree coverage, securing both the man and the machine.

Bharti AXA Comprehensive Bike Insurance Vs Third Party Bike Insurance

The differences between the Bharti AXA Comprehensive Bike Insurance Policy and the Third-Party Policy are profuse. Let us check them out.


Comprehensive Policy

Third-Party Policy


The policy covers the insured’s bike, self and the compulsory third party liabilities.

The cover is for legal and financial claims raised by the third party only

How Necessary

The comprehensive two-wheeler policy is not mandatory but sensible to have

It is compulsory and a statutory requirement to ply on Indian roads, as per the MV Act

Personal Accident Cover

It is compulsory for the owner-driver

It is compulsory for the owner-driver

Add-on covers

The policyholder has a choice of several add-on covers to enhance coverage

The third-party policy scope is limited, and no add-on over is offered

Premium Cost

The premium is comparatively higher due to the extensive coverage

The premium is lower due to the policy’s limited coverage

Scope of Coverage under Bharti AXA Comprehensive Bike Insurance Plan

As the name suggests, the Bharti AXA Comprehensive Bike Insurance is designed to provide extensive coverage depending on your customization level. The critical elements in the coverage are:

  • The policy covers third-party legal and financial claims for injuries and damages caused by your two-wheeler.
  • Damages caused to your two-wheeler or the owner-driver due to an accident under the own damage clause in the policy:
  • Protection for physical damage to the insured  two-wheeler
  • Protection against natural calamities like earthquakes, floods, storms, etc.
  • Protection against human acts like burglary, theft, riots, strikes, terrorism, to name a few
  • Personal insurance coverage up to Rs 15 Lac for the owner-driver is a compulsory inclusion against a separate premium in all policies covering death, disability, and loss of limbs.
  • Several add-on covers are offered for an additional premium to enhance and strengthen the protection of your two-wheeler.
  • Zero depreciation
  • Roadside assistance
  • Engine and Gearbox protection
  • Invoice Price
  • Consumables

Exclusions Under Bharti AXA Comprehensive Bike Insurance?

Awareness about what is not included in the Bharti AXA Comprehensive Bike Insurance Policy is as important as knowing the list of coverage. The crucial exclusions to remember for rejections of claims are:

  • Normal wear and tear of your two-wheeler
  • Mechanical and electrical breakdowns
  • Driving your two-wheeler under the influence of alcohol or any other intoxicant
  • Driving your two-wheeler without a valid license
  • Any consequential loss or damage caused outside the Indian geographical boundaries

Bharti AXA Comprehensive Bike Insurance Benefits

The Bharti AXA Comprehensive Bike Insurance Policy is designed to provide you many benefits, the critical being:

  • Legal Compliance:  It is a statutory requirement for two-wheeler insurance coverage for riding on Indian roads. Your Bharti AXA Comprehensive Bike Insurance Policy fulfils your legal obligations.
  • Accidental Coverage: Personal accident coverage for the owner-driver is compulsory, compensating Rs 15 Lac for accidental death and disability.
  • Financial Security: All the hazards encountered by your two-wheeler, whether natural artificial, results in substantial financial loss apart from bodily harm and death. Your insurance policy compensates you for the losses incurred within the ambit of its coverage.
  • Encourages Safe Driving: The financial security blanket of your Bharti AXA Comprehensive Bike Insurance Policy provides peace of mind, helping you to concentrate on safe driving while on the roads.

Bharti AXA Comprehensive Bike Insurance FAQs

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Bharti AXA Comprehensive Bike 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.