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% stakes and AXA holds a 49% stake. The company was founded in August 2008 and carries around 87 branch offices all over the country. Bharti AXA General Insurance is the first company which carries dual certifications of ISO 9001:2008 and ISO 27001:2005 within the first year of operations in 2009. The same has been renewed in 2012 for a further 3 years.
Saves up to 80%
The company claims to save up to 80 percent on car insurance premium
3800+ Cashless Garages
The company has 3800+ network garages to offer cashless claim services
24/7 AXA Assistance Worldwide
The company offers 24*7 worldwide assistance for the ease of customers
Bharti AXA Car Insurance Company offers multiple car insurance plans with wider coverage to deal with different needs of customers.
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.
Bharti AXA General Insurance company also offers Discount on Car Insurance Renewal premium with No-Claim Bonus (NCB) and much more.
Bharti AXA car insurance completely understands the needs of customers and always come out with customized plans to deal with the same. Below is the list of such helpful plans:-
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?
This insurance policy is liable to offer complete protection to the insured, his/her car and third party as well. This plan is great at covering natural calamities such as floods, landslides, storms, and several other man-made calamities as well. All such features make it a comprehensive cover. It is highly recommended to all four-wheelers owners.
What it covers?
Bharti AXA has come out as one of the leading car insurance companies with multiple options to insure your car at affordable prices. The company claims to have unique expertise in serving customers. But what makes it best? Read below
|Third Party Cover||Up to 7.5 L|
|Cashless Network Garages||2500+|
|Incurred Claim Ratio*||81.74%|
|Net Earned Premium*||1010.07 Cr.|
|Covers Provided||Basic Cover, Roadside Assistance|
There are a few situations where the loss that arises is beyond the coverage that you are receiving with your base car insurance policy for which the company comes out with additional covers. For the same, you have to pay an additional cost but the coverage is quite worthy of it.
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 you got stuck in the middle of the road because of any road emergency such as car breakdown, etc then this add on the cover provides helpful services such as towing facility, repairs, emergency fuel refill, changing tires, and much more.
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.
Under this add on the cover, the insured get the required coverage against medical expenses of up to Rs10,000 in case where the insured and the co-passengers are injured during an accident.
This add on cover provides reimbursement to you for the cost that occurs because of replacement of lost or stolen car lock or key. It is valid up to two claims during a year.
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.
In case of your hospitalization due to an accident, you are liable to receive Rs.1000 every day up to 30 days of hospitalization.
Engine And Gearbox Cover
In case of any vehicle breakdown because of the internal parts of the engine and gearbox, this Add-On Cover will be liable to cover the same.
This add-on offers coverage against the transportation cost of the ambulance carrying the insured person to the hospital.
Bharti Axa carries a proven track of offering the best car insurance services in India. The company claims to offer great car insurance service and made the entire process much easier for customers. Talking about the quick service, Bharti Axa is great at offering quick renewal service as well. East and hassle-free process for the convenience of customers.
Quick: The company provides a quick and hassle-free process to renew your car from the comfort of your home.
Discount: Discount on Car Insurance Renewal premium with No-Claim Bonus (NCB).
Affordable: Bharti AXA offers affordable car insurance plans with a wider cover.
24*7 Assistance: Round-the-clock claim assistance and excellent customer support
Add ons: The company offers many effective add on covers that you can buy to enhance the cover.
Cashless facility: The company also offers a cashless facility which makes it quite worthy to renew your car insurance with it.
There is no doubt in saying that the good things always come with a price and the same concept applied to car insurance industry as well. To take the benefits of the car insurance policy a person has to pay the premium on time to keep it active. 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|
Bharti Axa Car Insurance is one of the best car insurance companies that put customer satisfaction as its priority. To provide ease to customers, the company keeps it as a less documentation process.
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 through on email address.
Filing a claim with Bharti Axa General Insurance Company is very simple and easy. It is a three step process.
Intimating your Claim
You have to first inform the insurer about the whole accident. You can do the same through a call and email as well. On informing, your claim will get registered and you will receive a claim registration number for future interactions associated with the claim. While filing a claim, you must be ready with this information
Send your Vehicle for Repairs
The next step that you have to do is send the car to the nearest garage. Remember that if you want to avail cashless services then you must go for a network garage only. To check the same, you can take the help of Bharti AXA’s approved list of network garages.
Moreover, keep the following documents ready with you-
In the case of cashless service that you will get at network garage only, you would not have to pay from your pocket. Your insurance company will take care of the same. In case of reimbursement, you have to provide all documents along with the receipts stated all expenses associated with the repair and FIR copy. Submit the same along with claim form and let the company handle the rest.
Bharti Axa is one of the leading general insurance companies that cater to almost all general insurance products. The company is quite famous for its car insurance products and services. The reason behind the same includes the easy and hassle-free claim process, 3800+ network garages for cashless facility, great plans with effective add on covers at the affordable process and much more. The 24*7 customer service is like a cherry on the cake and enhances the worth of choosing Bharti AXA for your next car insurance purchase.
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
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Last updated on 13-11-2019