Bharti AXA Car Insurance
Bharti AXA Car Insurance
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Bharti AXA Car Insurance

Bharti AXA General Insurance Company is a well-known general insurance provider in India. Bharti Enterprises, a leading Indian business group and AXA, a world leader in financial protection joined hands to establish Bharti AXA General Insurance Company. It is a strong collaboration where Bharti owns a 51% stake and AXA holds a 49% stake. The company was founded in August 2008 and has around 135 branches all over the country. Bharti AXA General Insurance is the first company that carries dual certifications of ISO 27001:2005 & ISO 9001:2008 within the first year of operations in 2009. 

Bharti AXA General Insurance company offers multiple insurance plans and car insurance is the star of it. The company offers three types of motor insurance in India- third party insurance that takes care of third party liabilities, standalone damage cover and comprehensive cover, which offers third-party as well as Own Damage (OD) cover.


Third-party liability cover

Up to 7.5 lacs

Network garages


Incurred claim ratio


Table Data updated on 05-11-2020

How To Renew Your Bharti AXA Car Insurance?

Timely renewal of your Bharti AXA Car Insurance is important and mandatory to drive legally on the roads of India. You can renew your car insurance through the official website of Bharti AXA or a trusted web-aggregator ( The details of the same are mentioned below.

Renew Via

  • You need to visit 'Compare Car Insurance Quotes Online' available at the top of this page.
  • Fill the car number and click on the tab "Get Quotes".
  • You also get the option to click on 'Proceed without car number' and fill the details to visit the quotes section.
  • Choose the Bharti AXA Car Insurance plan.
  • Make the payment.
  • You will get the policy documents via email.

Renew Via Bharti AXA

  • Visit the official website of the Bharti AXA General Insurance Company.
  • Take your cursor to the tab 'Renew'.
  • Click on 'renew' present under the Bharti AXA Car Insurance Tab.
  • Fill basic details of your policy and car such as policy number, car registration date, and policy expiry date among others.
  • Click on the tab ' Get Quote'.
  • Check the details of the plan.
  • Make the payment.
  • You will receive the policy documents on your registered e-mail.

Key Features Of Bharti AXA Car Insurance

Instant Policy: The company allows you to renew your car insurance within a few minutes.

Cashless Services: With the help of 5200+ cashless garages, the company allows you to avail cashless claim service under which you don't have to pay a single penny to get your repairs done.

24*7 Assistance: The company offers 24*7 assistance. So, in case of any emergency, the team will always be there to assist you.

No-claim Bonus: The company offers a no-claim bonus for every claim-free year. It is a discount that is offered to the policyholder for applying zero claims over the previous years. The discount can range between 20 % to 50%.

How Is The Car Insurance Premium Calculated?

The premium is the amount that you have to pay to keep your policy active. It usually varies from insurer to insurer & model to model. To calculate car insurance premium, you can use the below-stated formula.

Premium= Own Damage Premium – (No claim bonus + discounts) + Liability Premium as Fixed by the IRDA + Cost of Add-ons.

The premium is calculated with the help of several factors. Some of them are mentioned below-

The Manufacture Year Of The Vehicle: This determines the age of the car. Older vehicles have low insurance rates in contrast to automobiles which might be new.

Vicinity Of Registration Of The Vehicle: Your residential place and the vicinity in which you got your vehicle registered also has an impact on car insurance premium.

Model Of The Vehicle: The cost of a new model will be high as compared to the old one.

Use Of The Vehicle: The company has set guidelines for commercial vehicles. If a vehicle is used for commercial purposes, it will attract higher premium rates.

Safety Devices: Today, most of the vehicles are geared up with safety and anti-theft devices. With the same, you're eligible to get a discount on the premium of up to 2.5%. Also, the devices must be approved by the Automobile Research Association Of India.

Let's take the help of the above factors and display a practical example.

Car Model



Zero Dep Cover

Estimated Premium

Audi A 6- 2.0 TFSI Premium (1984cc)

Rs. 63,41,000 



Rs. 1,60,390

Hyundai Grand i10- ERA 1.2 Kappa dual VTVT 5 Speed Petrol (1197cc)





Honda city-1.3DX (1343cc)





TATA Hexa-XE 4x2 STR (2179)





Table Data updated on 05-11-2020

*The values are calculated on the basis of the city (Delhi) and year of registration (2020).

What Are The Different Add-on Covers Under Bharti AXA Car Insurance?

Personal Accident Cover

This will offer financial compensation to the policyholder/nominee in case of bodily injuries (in an accident) that leads to partial/total disability or death of the policyholder.

Roadside Assistance

If you opt for this, you will get the necessary roadside assistance in case your vehicle is a victim of tire puncher, battery problems, etc.

Key Replacement Cover

If you lose your car key, this feature will cover the expenses of the new lock/replacement charges.

Zero Depreciation Cover

Under Zero Depreciation Cover, the insurance company will offer the original cost of the vehicle's part instead of the depreciated value.

Invoice Cover

If your vehicle is damaged beyond repair (in an accident) or stolen, this add-on will compensate for the same. It will pay the purchase value of your car.

Loss Of Belongings

If an expensive/precious item is stolen from your vehicle, this add-on will compensate you for it (partly/fully).

Daily Cash Allowance

If your car is stuck in a garage for more than 3 days, you will get a daily allowance to cover your transportation expenses.

Consumables Cover

By opting consumable cover with comprehensive car insurance, you can get coverage against consumables (nuts, bolts, oil filter, etc.) which are not covered under the basic plan.


By adding this cover, you can protect yourself and the co-passenger financially from unfortunate accidents.

Engine & Gearbox Cover

In case of a vehicle breakdown because of internal parts of the engine and gearbox, this add-on cover will pay for the expenses.

Ambulance Charges

If you need an ambulance to take you to the hospital, this add-on will cover its expenses.

Hospital Cash

If you are admitted to the hospital because of an accident, you will receive Rs.1000 daily up to 30 days of hospitalization.

Invoice Price Cover

It covers the gap between the car's insured declared value and its purchase price.

Medical Expenses

It covers medical expenses up to Rs.10,000 in the case where the driver and the co-passengers are injured in an accident.

What Is The Bharti AXA Car Insurance Claim Process?

Bharti AXA ensures that you get the required assistance on time. It offers a simple process to file the claim. Let's understand the process in detail:-

Cashless Claim Procedure

Visit the official website of the Bharti AXA General Insurance Company

  • Take your cursor to the tab 'Claim' and click on 'Register Claim'.
  • Fill the basic details such as policy number and policy expiry date.
  • Click on the tab 'Continue'
  • Once the claim is registered, you will receive a confirmation SMS on your registered number along with the claim number.
  • Within 24 hours of your claim registration, a representative will connect with you to explain the entire claim process.
  • You need to file an FIR at the nearest police station in case of an accident/theft.
  • Take the vehicle to the nearest cashless garage. 
  • The company will appoint a surveyor to physically inspect the car within 24 hours.
  • Apart from this, you need to submit all mandatory documents that include-
    • Self-attested registration certificate
    • Driving license
    • KYC Document 
    • Original claim forms 

The company will directly make the payment to the network garage on completion of the repairs.

The Customer service manager (CSM) will inform you about the balance amount that needs to be paid (if any).

Reimbursement Claim

To file for a reimbursement claim, you have to get the repairs done from a non-network garage and keep the receipts ready with you. Once that is done, you can follow the below-mentioned steps.

Log onto the official website of the Bharti AXA General Insurance Company

  • Point your cursor to the tab 'Claim' and click on ' Register Claim'.
  • Provide the basic details that include policy number and policy expiry date.
  • Click on the tab 'Continue'.
  • Once the claim is registered, you will get an SMS confirmation.
  • Within 24 hours, a representative will connect with you and may ask for the required documents such as policy documents, bill receipts, etc. 
  • The team of Bharti AXA will inform you about the approval or rejection of your claim.

Contact Details

Bharti AXA General Insurance Company

Toll Free: 1800-209-0144 | 1800-209-5858

Email Id: customer[dot]service[at]bhartiaxa[dot]com

Registered Address: Unit No. 1904, 19th Floor, Parinee Crescenzo, 'G' Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai -400051. Insurance Web Aggregator

Contact Number: 1800-103-2292


Registered Address: PolicyX.Com Insurance Web Aggregator Private Limited

1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.


1. Is there any refund on the Bharti AXA Car Insurance policy?

The premium can be refunded in case of cancellation of the plan during the free-look period.

2. What is not covered under Bharti AXA Car Insurance policy?

The Bharti AXA motor insurance will not be liable to offer coverage against breakdown that takes place because of mechanical or electrical problems, wear and tear of the vehicle and ageing of vehicle, loss through staged or deliberate accident, driving while intoxicated, contractual liability or damage occured while driving without a valid license.

3. Is additional personal insurance necessary with Bharti AXA Car Insurance?

Yes, it is! It is very important to opt for insurance for the passengers as well as the driver in order to ensure complete financial safety. In case of an unfortunate incident, it can prove to be very useful.

4. What are the documents required to cancel the Bharti AXA Car Insurance policy?

The documents required to cancel the policy by the customers are as follows-

  • Customer request letter.
  • Sale proof of the vehicle or Sale Deed/Form.
  • Original Policy Copy.
  • Alternate policy proof (TP / Comprehensive).
  • NOC.

Last updated on 05-11-2020