Bharti AXA Third Party Bike Insurance

Bharti AXA Third Party Bike Insurance Policy is a mandatory purchge in India that covers third-party liabilities. The policy compensates for third party injury, property damage or death in case of an accident. Read on to know more!

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Bharti AXA Third Party Bike Insurance: An Overview

Bharti AXA Third Party Bike Insurance Policy is mandatory for all two-wheeler owners. The policy name is derived from its elementary coverage benefiting the third-party victim with compensation for bodily injury, disability, or even death, caused by the insured bike in an accident and natural or artificial disaster. The third-party property damage is compensated under the policy’s provisions, and you are protected from legal and financial liabilities.

The Supreme Court has directed all the General Insurers to issue five-year third-party bike insurance against every new two-wheeler sold after 1 September 2018. You are liable to face stiff fines and penalties for your non-compliance while driving in India.

Third Party Bike Insurance Vs Comprehensive Bike Insurance Bharti AXA

As per the governing MV Act, 1988, it is mandatory for all two-wheelers to be covered by the Bharti AXA Third Party Bike Insurance for plying on Indian roads. It is to be remembered that the Third-Party policy coverage is only elementary, while the optional Comprehensive policy provides extensive coverage and, therefore, preferred by most two-wheeler owners. The following grid highlights the significant differences between the two.


Third-Party Policy

Comprehensive Policy

Reason to Buy

The policy is compulsory under the MV Act for all active two-wheelers using Indian roads.

The policy is optional but recommended for its extensive coverage and ample scope to customize.


The coverage is limited to legal and financial liabilities for damage in-person and third party property, including vehicles, caused by the insured two-wheeler.

Extensive coverage, including third-party liabilities and own damage to  both man and machine

Add-on Covers

There is no provision for add-on cover to enhance the coverage. Personal accident cover is compulsory as per IRDAI stipulations.

Several add-ons to choose from to enhance coverage and customize the policy to meet individual needs. Personal accident cover is a compulsory addition.

Premium Cost

Offers the policy at an affordable premium under the guidelines fixed by the IRDAI

The premium is substantially higher due to the extensive coverage and the add-on chosen by you.

Scope of Coverage under Third Party Bharti AXA Bike Insurance Plan?

The Third-Party Cover Bharti AXA Bike Insurance comprises the following legal and financial liabilities from your insured two-wheeler.

  • The policy covers liabilities for bodily injury or death caused to the third party in accidents involving your insured bike or scooter. However, the compensation amount is determined by the court of law.
  • The Third-Party Bike Insurance Bharti AXA also covers the financial liability for third-party property damage limited to Rs 1 Lac.
  • The Bharti AXA Bike Insurance Third Party Cover includes the compulsory personal accident entitlement of Rs 15 Lac with the following compensation level:
  • Death: 100%
  • Total permanent disability: 100%
  • Loss of two limbs and sight in both eyes: 100%
  • Loss of one limb and sight of one eye: 50%

Exclusions of Third Party Bharti AXA Bike Insurance Plan

Third-Party Cover Bharti AXA Bike Insurance is well defined for which the insurer compensates in events involving your insured two-wheeler. However, it is equally essential that you are conversant with what is not covered under the policy to ensure that your claim experience is seamless. Let us check what all is excluded in the policy:

  • The policy does not cover any damage arising from non-collision, and the policyholder bears the cost of repairs for the damage.
  • The policy does not compensate the owner-driver for bodily harm or losses suffered by the insured two-wheeler in an accident.
  • Any damage suffered by the insured two-wheeler due to natural calamity or perpetrated by humans by malicious acts is not compensated by the Third Party Bharti AXA Bike Insurance Policy.

It is in the policyholder’s interest to scan the policy document thoroughly for all the exclusions for future reference.

Bharti AXA Third Party Bike Insurance FAQs

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Bharti AXA Third Party 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.