Bharti AXA Zero Depreciation Bike Insurance Policy

Bharti AXA Zero Depreciation Bike Insurance Policy is an add-on policy that covers depreciation of the two wheeler. It can be availed at an additional cost!

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Bharti AXA Zero Depreciation Bike Insurance Policy: An Overview

You purchase your chosen two-wheeler investing a substantial amount of money. The purchased two-wheeler is your tangible asset with a specific financial value. However, this value goes down with time.  This decrease in the financial value of your tangible is technically called depreciation. It is considered your financial loss. Driving your two-wheeler on the road is fraught with hazards. Coupled with other extraneous elements like natural disasters and willful, malicious acts, it can drive a hole in your pocket to the resultant costly repairs. While your two-wheeler’s value depreciates, you end up spending more and more on its repairs. Bharti AXA Zero Depreciation Bike Insurance Policy is the right add-on choice to protect and compensate for the depreciated value.

What is Bharti AXA Zero Depreciation Add-on?

The standard practice in all the two wheeler insurance policies is to compensate for the damage suffered by your insured bike to the extent of the Insured Declared Value. IDV is essentially your two-wheeler’s market value after depreciation. The Bharti AXA Add-On Bike Insurance Cover purchased with the new two-wheeler insulates you from the effects of depreciation. It compensates you for the total value of the repair cost for the damage suffered by your insured bike. Considering the cost-benefit analysis, it is worthwhile to include the add-on cover in the new Bharti AXA Zero Depreciation Bike Insurance and continue with it at every renewal.

Bharti AXA Zero Depreciation Add-On Benefits

The Zero Depreciation Bike Insurance Bharti AXA essentially shields you from the loss due to your two-wheeler’s depreciated value while undertaking costly repairs. The benefits of the specific add-on are not free from certain limitations, which you must factor in. The critical conditions imposed to avail of the benefits are applied to the number of claims, where the damaged two-wheeler is repaired, and the status of the insured two-wheeler. Having understood the above limitations, let us now check the benefits the coverage provides:

  • Total Claim Compensation: The coverage negates the depreciated value to compensate the entire repair cost without any deduction.
  • Save Substantially: By disregarding the depreciation impact and full compensation, you save on costly repairs and replacements of damaged depreciated parts.

Depreciation Rate with and without Zero Depreciation Add-on

There are two ways of analyzing the depreciated rate. It should be of interest to the policyholder to compare and perform a cost-benefit analysis to gauge the financial impact. The following depicts the indicative scenario to explain the Zero Dep Cover Bharti AXA Bike Insurance better.

Depreciation Rate depending on the Insured Two-Wheeler’s Age


Without Zero Depreciation

With Zero Depreciation

Below six months



Six  months to one year



One to two years



Two to three years



Three to four years



Four to five years



Five to ten years



Above ten years




Depreciation Rate applicable to Two-Wheeler Parts

Part Name

Without Zero Depreciation

With Zero Depreciation

Rubber/ Nylon/ Plastic



Fibre Glass






Factors Affecting Zero Depreciation Bharti AXA Bike Insurance

For all the plus points working in favor of opting for the Bharti AXA Zero Dep Bike Insurance, you must be ready to absorb its limitations too. Some of the significant factors affecting the coverage Bharti AXA Add-On Bike Insurance is:

  • The add-on feature is not applied if your insured two-wheeler is lost or irreparably damaged. In such an event, the compensation is limited to the IDV.
  • Only two claims are permitted during the policy term for the add-on cover, while comprehensive insurance imposes no such conditions.
  • However, zero depreciation is applied when your two-wheeler is repaired in network garage from among the over 5200 available across the country,
  • Finally, the zero depreciation does not apply to the insured two-wheeler up to a specific age.

Bharti AXA Zero Depreciation Bike Insurance FAQs

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Bharti AXA Zero Depreciation Bike Insurance Policy 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.