Bharti AXA Car Insurance

Bharti Axa General Insurance Company is basically a joint venture between Bharti Enterprises and AXA which is a global leader when it comes to financial protection. Bharti Enterprises is one of the leading business group and a leading pioneer in the telecom industry. In this venture, Bharti Enterprises holds 51 percent of stakes while AXA which is an international insurance and asset management company carries the remaining 49 percent.

In India, the company started its operations in 2008 and currently has 79 branches across the country. The company caters in general insurance products such as two wheeler insurance, car insurance, health insurance, personal accident insurance, critical illness insurance, home insurance, and travel insurance. It also serves profitable products such as third-party motor liability insurance, commercial vehicle insurance, commercial line, and SME package. The company has around 9.8 million policies and has settled 1.3 million claims to date.

Bharti AXA -Achievements

Bharti AXA is a renowned name in the private general insurance industry. It was honored as the 'Best Insurance Company in the General Private Sector’ by the World Congress HRD at the BFSI Awards in 2014. It also gets the ‘Tech Initiative of the Year’ by Asia Insurance Industry Awards and ‘Excellence Award’ by the Institute of Economic Studies in the same year. Other recognitions include Personal Lines Growth Leadership Award 2011, Best Innovation Product Award 2012, Commercial Growth Lines Leadership Award 2012, Finnoviti: Editor’s Choice Award. Since its incorporation in 2008, Bharti AXA has won the confidence and trust of its policyholders.

Online services

Bharti Axa General Insurance company offers the ease of selecting and customizing the plan according to your needs, keeping up with the technology revolution. This feature by Bharti Axa General Insurance company attracting customers from all over the country. With the same, the insured person doesn't have to go to offices for the Car Insurance Companies to get their renewal done. From the comfort of the home, anyone can easily choose the right policy according to your needs and the estimate of the premium. If you are fine with the premium amount then you can proceed with the buying procedures.

With the online facility, you can buy the best one according to your needs within a few minutes only. It also allows you to renew your existing insurance policies from another insurance company. With the same, you can easily initiate the claim online as the digital medium is more flexible and keep you updated at every required stage.

Other online services provided by Bharti AXA include Renewal Reminder which reminds you of the renewal of your policy before its expiry. Renewing your policy before its expiry will safeguard any unclaimed amount and your No Claim Bonus. Be it calculating your premium or expressing your grievance, it can all be done from the comfort of your home at the snap of your fingers.

Bharti AXA Car Insurance

India has one of the worst road accident rates in the world with an estimated 207,551 deaths annually. Bharti AXA Motor Insurance offers protection from the financial and emotional implications of an accident with its policies. The policies are tailored to meet your needs and have affordable plans with an extensive range of cover.

Life has a way of being uncertain. One cannot predict unfortunate events like accidents or theft of your assets. Insuring your vehicle will protect you from the impact of such unforeseen incidents.Bharti AXA makes it easier for you with it's 2500 plus cashless garages panning across India.

Without a cashless claim facility, the repairs and services of your vehicle are sure to burn a hole in your pocket. The company is equipped with a claims assistance and handling team which is at your disposal 24x7. If your insured vehicle happens to be an accident you can avail the emergency roadside assistance provided under this policy. Then you initiate a claim and the trained claim handlers will ensure quick and efficient claim settlement.

Under this motor insurance policy, the insurer offers to indemnify your losses caused by damage or theft of the vehicle. The coverage extends to damage caused by external means, natural calamities, damage in transit and theft of an insured vehicle. But the coverage excludes damage or loss in case of depreciation, wear, and tear, electrical & mechanical failure, damage by a person in an intoxicated state, damage outside India.

An accident can have adverse impacts on your family and the medical bills can soar as well. Protect yourself from medical liabilities in event of an accident with the Personal accident cover and from legal liabilities with the Compulsory Third Party Liability cover.

Key Features

• Cashless Claim Networks

• Cashless claim service over 2500+ authorized network of garages across India

• Accidental Cover /Customer Support

• A help desk that takes care of comprehensive customer support.

• Discounts

• Discount for Automobile Association Members, No Claim Bonus, Discount based on age and profession.

Bharti AXA Motor Insurance Plans

Bharti AXA has a personal accident insurance that offers 3 plans which include: 10 lacs, 20 lacs and 30 lacs. This compensation will be provided in case of accident causing death or total permanent disability to the owner driver. In addition the plan also provides hospital daily cash allowance during the treatment period. This policy safeguards your financial setup and stability in case of unfortunate events.

The Motor Third Party Liability covers legal and medical liability arising out of injury of a third person and damage to third party property. This insurance is mandated by the Motor Vehicles Act. But it does not cover injury or damage to you or your vehicle.The comprehensive Car insurance policy will cover the risk to you and your vehicle. If you own a private car then the Car Insurance policy will be suited to you. Bharti AXA has issued 3.5 million Car Insurance policies and 4.2 million Two wheeler insurance policies till date.

Comprehensive Car Insurance

This type of insurance covers losses/damages to you and your car in addition to protecting you against third-party liability as well in case of losses that occur because of theft, accidents and natural calamities.

Motor Third Party Liability Insurance

Abide by the law and acquire this insurance to save yourself from fine and imprisonment. The plan provides protection from legal and medical third party liability. It is the mandatory one.

Benefits of Bharti Axa Car Insurance

• Exclusive insurance plans for private cars

• Customers can get instant car insurance policy at a nominal price with minimum effort and nominal documentation process.

• It offers the required cashless claim settlement process across the country with the help of network garages. The company has highly professional and trained teams which can help in the whole process of claim settlement.

• With the online process, it becomes quite easy for the customer to get the best car insurance plan within a few minutes.

• The company provides timely reminders about the renewal policies.

• There are several add-on covers that boost the benefits of basic car insurance policies.

Add-on covers under Bharti AXA Motor Insurance

Every policyholder is unique and their requirements vary from person to person. Respecting your unique needs Bharti AXA offers additional covers to protect your interests in the best possible way.

Hydrostatic lock cover

This is an additional benefit that you can get with your basic car insurance policy. It is true that your car’s engine can easily get damaged because of heavy rain or floods. This will pay you against the repair or replacement of engine parts. But this is applicable only where the vehicle is less than 5 years old.

No Claim Bonus (NCB) Protector

With a single claim, your accumulated No-Claim Bonus drops down to 0%. However, with the NCB Protector, even after making two claims in the policy period, you can still retain your No Claim Bonus discount.

Zero Depreciation cover

With this feature, you don't have to pay for any depreciation on expenses associated with repaired/replaced parts like plastic, fibre, rubber and glass parts.

Roadside Assistance

With such effective add-on coverage, you will get the required assistance in the middle of the roads with a single call any time whether day or night. The services required changing flat tires, repairs, emergency fuel refilling, towing facility.

Co-Passenger Cover

With a standard car insurance policy, only the owner-driver coverage of around Rs 2 Lakh personal accident cover. However, with this add-on, fellow passengers are provided coverage of Rs. 1 lakh in case of death, permanent or total disability.

Key replacement

This cover will take care of vehicle lock and key if it’s stolen or lost. This is valid for up to 2 claims in a policy period.

Medical expenses

If you and the passengers are injured in case of an accident, then medical expenses up to Rs. 10,000 are given for treatment.

Consumables cover

Coverage is there for expenses on consumables such as oil, nuts, bolts that are considered unfit for further use.

Hospital cash

Under the same, you get a lump sum amount of Rs. 1000 per day in case of hospitalization for up to 30 days.

Ambulance charges

This add-on covers charges towards transportation of the insured person in an ambulance to the hospital.

Hospital cash

Under the same, you get a lump sum amount of Rs. 1000 per day in case of hospitalization for up to 30 days.

Engine and gearbox cover

It offers the needful cover in the case where your car breaks down because of damage to the internal parts of the engine and gearbox.

Inclusions & Exclusions

Why Choose Bharti AXA Car Insurance Policy?

In today's world, where the vehicular accidents are on the rise and dealing with repair cost higher. We all know that the car insurance is compulsory to have. A car insurance policy will take care of third party damage, injuries or death and the prospect of settling the damages for the same.

Bharti AXA Car Insurance provides a complete plan which will be a combination of both features with the ease and simplicity as expected from an effective car insurance policy. What it offers-

Why to Apply Bharti Axa Car Insurance Online

How to claim Bharti Axa Car Insurance Policy?

Filing a claim with Bharti Axa General Insurance Company is very simple and quick and comprises of three coordinated steps

Intimating your Claim- You have to first inform the Bharti AXA about the accident through call and emails. On informing, your claim will get registered and you will receive a claim registration number future interactions associated with the claim. While filing a claim, you must be ready with this information

1. Your contact number.

2. Policy number/ Cover note no. or Vehicle no., Chassis no. and Engine no.

3. The exact location of the accident or loss, accurate date and time.

4. Description about the nature and extent of the loss.

5. Description about the injury sustained (if any).

Send your Vehicle for Repairs- The next step that you have to do is sending the car to the nearest vehicle. Remember that if you want to avail cashless services then you must go for a network garage. To check the same, you can take help of Bharti AXA’s approved list of network garages.

Moreover, keep the following documents ready with you-

1. Claim form with your signature.

2. Copy of R/C Book (self-attested) along with the original

3. Copy of driver’s license (self-attested) along with the original

4. FIR copy in case of major damage incurred/ third party injury/ death/ theft of vehicle/ damage occurs because of any malicious acts, riots etc.

5. Satisfaction letter if you want to get the cashless facility at any of the network garages.

6. Additional documents as and when required.

In the case of network garages, 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 repair and FIR copy in case of Third party liability. Submit the same along with claim form and let the company handle the rest.

Claim Form

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Contact Address

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