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Bharti AXA Car Insurance
  • Easy Online Buy & Renewal
  • 3800+ Cashless Network Garages
  • No Claim Bonus Upto 50%
  • 24*7 Claim Assistence
  • Pan India Cover

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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% 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%

Saves up to 80%

The company claims to save up to 80 percent on car insurance premium

3800+ Cashless Garages

3800+ Cashless Garages

The company has 3800+ network garages to offer cashless claim services

24/7 AXA Assistance Worldwide

24/7 AXA Assistance Worldwide

The company offers 24*7 worldwide assistance for the ease of customers


Key Features and Benefits

Wider Coverage

Wider Coverage

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

Cashless Service

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

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

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

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.


Types of Bharti AXA Car Insurance Plans

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:-

  • 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.
  • Survivors 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
    The plan also comes out with 24*7 assistance. So in any case where you need assistance to deal with any mishappening then you can call the customer service anytime.
  • 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 as well.

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 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?

  • Financial Losses
    The plan is designed in a way that can offer the required coverage to deal with the financial losses occurs because of a natural or man-made calamity.
  • Third-party Liability Covers
    The plan is not limited to offer cover to you and your car but it also offers cover to the third party liability as well 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 lacs in case of death, partial or permanent disability.

Key Benefits

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

Why Bharti AXA Car Insurance?

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 CoverUp to 7.5 L
Cashless Network Garages2500+
Incurred Claim Ratio*81.74%
Net Earned Premium*1010.07 Cr.
Covers ProvidedBasic Cover, Roadside Assistance
  • 3800+ Cashless Repairers: The best thing about Bharti AXA Car Insurance is its list of network garages. With it, you can avail cashless claim service in 3800+ garages.
  • Pan India Cover: The company offers the 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.
  • Additional Covers: The company has come out with additional covers with car insurance plans such as Add-ons like Depreciation cover, Invoice Price Cover, Medical Expenses cover, Personal Accident cover for Passengers and Hospital Cash gets you more for your money’s worth.
  • 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.

Add-ons Cover

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.

Medical Expenses

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.

Key Replacement

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.

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 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.

Ambulance Charges

This add-on offers coverage against the transportation cost of the ambulance carrying the insured person to the hospital.


Bharti Axa Car Insurance Renewal

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.

Key features of Bharti Axa Car Insurance Renewal


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.


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
  • Make the payment using different payment modes
  • In case of any query feel free to connect with our team of experts

Bharti AXA Car Insurance Premium Calculation

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 ModelVariant Reg. YearPremium
Maruti EecoPetrol 1196 cc2019Rs.14469
MARUTI CELERIOLXI Petrol (998cc)2019Rs.13335
HYUNDAI CRETA1.4L CRDI 6-SPEED MANUAL BASE Diesel (1396cc)2019Rs. 40,578

Documents Required

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.

  • Duly signed form and photograph
  • Copy of driver's license
  • Vehicle’s registration’s copy
  • 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 through on 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 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

  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 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-

  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 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 Car Insurance Review

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

  • 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 13-11-2019