Bharti AXA Car Insurance

Bharti AXA General Insurance Company is a well-known 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 51% stake and AXA holds a 49% stake. The company was founded in August 2008 and has around 87 branch offices all over the country. Bharti AXA General Insurance is the first company which carries dual certifications of ISO 27001:2005 & ISO 9001:2008 within the first year of operations in 2009. The same has been renewed in 2012 for a further 3 years.

Types of Bharti AXA Car Insurance Plans

Bharti AXA car insurance understands customer needs and always come out with customized plans to deal with the same. Below is the list of such helpful plans:-

Third Party Liability
Comprehensive Cover

Third Party Liability

It is the minimum and compulsory car insurance that you must have to drive legally on the roads of India. As per the India Motor Vehicle Act, it is mandatory to have a third party liability cover. This insurance plan is liable to offer cover property damages, injuries, disability or death of third parties that includes pedestrians as well as drivers and occupants of other vehicles. This car insurance plan is limited to cover the interest of the third party, not the insured.

What it covers?

Bodily Injury
Bodily injury to third parties that occurs because of an accident caused by your car.
Property Cover
Property damage to others due to an accident caused by the insured's car. This property can be a car or any other property of the third person.
Survivor's Cover
Cover survivors in case of death of third parties because of an accident caused by your car.

Key Benefits

Coverage Against Financial Losses
The plan is liable to cover all the financial losses that occur because of any injury or property damage to the third party caused by your vehicle.
24*7 Assistance
If you need any sort of assistance, you can freely call the customer care 24*7. They won't mind.
Affordable Premium
The company is great at offering affordable plans, hence you can get the third party liability cover at really affordable prices.
Cover for 3 Years
After the new IRDA guidelines, this insurance plan is available for 3-year tenure.

Comprehensive Cover

This insurance policy is liable to offer complete protection to the insured, his/her car and third party as well. This plan is great for covering against natural calamities such as floods, landslides, storms and other man-made calamities. All such features make it a comprehensive cover. It is highly recommended to all four-wheeler owners.

What it covers?

Financial Losses
The plan is designed in a way that offers a required coverage to deal with the financial losses which occur due to a natural/man-made calamity.
Third-party Liability Covers
The plan is not limited to offer cover to you and your car but it also covers the third party liability which is mandatory to drive legally in India.
Personal Accident Cover For Owner/Driver
The plan also carries a personal accident cover for the owner/driver of the car. It offers cover of Rs.15,00,000 in case of death, partial or permanent disability.

Key Benefits

Complete Cover
The plan is offering a complete cover comprising of third-party coverage and own-damage cover.
Clockwise Support
The insurance company is offering round the clock service to cater to the different needs of its customers, no matter the time and query.
Add-on Covers
The plan comes out with multiple add-on cover options which will help you to enhance the coverage.
Cashless Service
This helpful insurance plan offers cashless claim settlement options as well. With it, you can get your car repaired without paying any penny at the network garage.

Key Features and Benefits

Wider Coverage

Bharti AXA Car Insurance Company offers multiple car insurance plans with wider coverage to deal with different needs of customers.

Cashless Service

With 3800+ network garages, the company is offering cashless claim service. With the same, you don't have to pay any penny for the repairs in case of an incident.

Add-on Covers

To enhance the basic car insurance policy, the company is offering several add-on covers at an affordable price.

No Claim Bonus

For every claimless year, the company is there to offer a no claim bonus ranging from 5 to 50 percent.

Round The Clock Assistance

The company is also offering 24*7 assistance so that in case of any query or need, their experts are always there to assist you.

Easy Process

Using the Bharti AXA Car Insurance policy, or renewing it, is a simple and hassle-free process that requires limited documentation. Faster, when done online.

Discounts

The company offer discounts on Car Insurance Renewal premium with No Claim Bonus (NCB) and much more.

Pan India Cover

The company offers Pan India cover to its customers. The company has its branches and network garages all over India which make it quite easier for the customer to get the desired assistance on time.

Third Party Cover	Up to 7.5 L
Cashless Network Garages	3800+
Incurred Claim Ratio*	75%
Net Earned Premium*	1010.07 Cr.
Covers Provided	Basic Cover, Roadside Assistance, etc.

Add-on Covers

Often, people are stuck in a situation where the loss is more than their base car insurance coverage. As a unicorn in the light, companies have figured out a way to help people in such situations i.e. by offering additional covers. Obviously, people have to pay for it but it is worth every penny. The list of add-on covers are as follows:-

Zero Depreciation Cover

This add-on cover is high in demand as it protects you from paying depreciation on the cost of repair or replacement of parts that includes glass, fiber, rubber or plastic.

Roadside Assistance (RSA Cover)

If your car breaks down and you are stuck in the middle of the road, this cover can be your shining armor. You will have access to all the services such as repairs, towing facility, fuel refill, tire replacement, etc.

Invoice Price Cover

When you file a claim, it is settled against the depreciated value of the car. This add-on covers you to get the invoice value as well as registration fees, road tax, and insurance.

Medical Expenses

Under this add-on cover, the insured gets the required coverage against medical expenses of up to Rs.10,000 in case where the insured and the co-passengers are injured during an accident.

Key Replacement

It provides reimbursement to you for the cost of replacement of lost/stolen car key. It is valid up to two claims in a year.

Consumables Cover

All expenses associated with car consumables that include nuts, bolts, and oil which are not capable of further use are liable to get reimbursement under this add-on cover.

Hospital Cash

In case of your hospitalization due to an accident, you are liable to receive Rs.1000 everyday (up to 30 days).

Engine And Gearbox Cover

It covers the cost of damage/breakdown caused due to internal parts of engine and gearbox.

Ambulance Charges

The expense of the Ambulance to take the insured person to any hospital will be covered by the policy.

What Factors Can Force Bharti AXA To Turn Their Back On You?

Intential attempts to crash the car.
Cases where the driver is drunk or has taken drugs (beyond prescribed limits/overdosed).
Caught driving without a valid license can cause troubles for you.
Using a private vehicle for commercial benefits.

The above-stated pointers can be a nightmare for you, if ignored. Sufficient knowledge of car insurance is always a good thing. It will help you in the long run for sure.

Bharti AXA Car Insurance Renewal

Bharti AXA walks on a solid track of offering best car insurance services in India. The company has streamlined the entire process for the customers. Easy and hassle-free are the talking points of this process.

Key features of Bharti AXA Car Insurance Renewal

1

Quick: The company provides a quick and hassle-free process to renew your car insurance from the comfort of your home.

2

Discount: Discount on Car Insurance Renewal premium with No-Claim Bonus (NCB).

3

Affordable: Bharti AXA offers affordable car insurance plans with a wider cover.

4

24*7 Assistance: Round the clock claim assistance and excellent customer support.

5

Add-ons: The company offers many effective add on covers that you can buy to enhance your existing cover.

6

Cashless facility: The company also offers a cashless facility which makes it quite worthy to renew your car insurance with it.

How To Renew Bharti AXA Car Insurance Online?

★ Go to our quote section available at the top of this page.
★ Fill the form with basic details about your car and click on tab “Continue”.
★ Check quotes thoroughly and choose the one which can go well with your needs.
★ Pay using different payment modes.
★ In case of any query, feel free to connect with our team of experts.

Bharti AXA Car Insurance Premium Calculation

Good things always carry a price tag. Car insurance is one of those things. If you want to enjoy the benefits of car insurance, you must be ready to pay a premium for it. To understand how much a person has to pay to keep the plan active, you must use the car insurance premium calculator that is available on our site. The simple formula through which a person can calculate the car insurance premium is:-

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

Premium Samples of the Company

Car Model	Variant	Reg. Year	Premium
Maruti Eeco	Petrol 1196 cc	2019	Rs.14469
MARUTI CELERIO	LXI Petrol (998cc)	2019	Rs.13335
HYUNDAI CRETA	1.4L CRDI 6-SPEED MANUAL BASE Diesel (1396cc)	2019	Rs. 40,578
HONDA AMAZE	1.2 E MANUAL TRANSMISSION PETROL Petrol (1198cc)	2019	Rs.15513

Documents Required

Bharti AXA is one of those companies who scream ‘customer satisfaction' as its top priority. In order to offer 100% satisfaction to the customer, they have a ‘minimal documentation' policy. Below are the documents which you have to reap in order to be known as a ‘car insurance holder'.

Duly signed form and photograph.
Copy of driver's license.
Copy of vehicle's registration.
A document associated with the vehicle's insurance status.
KYC documents including address and age proof.

It is important for you to understand that the insurer has the authority to ask for additional documents if required. On purchasing the policy online, you will get the insurance document immediately on your email address.

How To Claim Bharti AXA Car Insurance Policy?

Filing a claim with Bharti AXA General Insurance Company is very simple and easy. It is a two-step process.

Intimating your claim:-

Firstly, you have to inform the insurer about the accident. You can do that via call/email. Once informed, your claim will be registered and you will get a claim registration number for future transactions. While filing, you must be loaded with the below-listed documents:-

Your contact number.
Policy number/Cover note number/Vehicle number, Chassis number and Engine number.
The exact location of the accident or loss, accurate date and time.
Description about the nature and extent of the loss.
Description about the injury sustained (if any).

Send your vehicle for repairs:-

Locate the nearest network garage (check approved list of Bharti AXA network garages) and proudly take your vehicle over there. Remember to carry the below-mentioned documents with you.

Moreover, keep the following documents ready with you-

Claim form with your signature.
Copy of R/C Book (self-attested) along with the original.
A self-attested copy of driver's license along with the original.
A copy of FIR to prove third party injury/theft of vehicle/major damage incurred/death because of riots, etc.
If you want to get the cashless facility at any of the network garages, you need a satisfaction letter.
Additional documents as and when required.

Only a network garage will entertain your case of cashless service. In this service, you don't have to pay from your own pocket. Your insurance provider will take care of the bill. In the case of reimbursement, you have to provide all documents (including FIR copy) along with the receipts (stating expenses) of the repair. Submit them with a claim form and let the company handle the rest.

Bharti AXA Car Insurance Review

Bharti AXA is one of the leading insurance companies that is associated with the maximum number of general insurance products. The company is ‘KNOWN' as a king of car insurance products/services. This is only possible because of a hassle-free claim process, 3800+ network garages for cashless facility, great plans with effective add-on covers at an affordable process and much more. 24*7 customer service is like a cherry on the cake which boosts the value of choosing Bharti AXA as your next car insurance provider.

FAQ

Bharti AXA car insurance offers custom-made products that can easily go well with the needs of customers. It offers safety cover for the vehicle as well as its passengers. It has around 3800+ cashless network garages.

Bharti AXA car insurance policy provides coverage against personal and third party damages/ injury. Passengers in the car that is driven by the insured, paid drivers, the property of a third party, pedestrians as well will be liable to get the cover.

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

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 aging of vehicle, depreciation, loss through staged or deliberate accident, driving while intoxicated, contractual liability, damage to/ by a third-party driving the vehicle without a valid license.

In order to register a claim, you have to submit the following documents

Contact details
Policy number or Vehicle no., Chassis no. and Engine no., etc.
Location of incident
Details of injury if any.

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Last updated on 30-12-2019