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.
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:-
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 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?
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.
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.
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.
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.|
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.
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.
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.
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 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.
The expense of the Ambulance to take the insured person to any hospital will be covered by the policy.
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 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.
Quick: The company provides a quick and hassle-free process to renew your car insurance 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 your existing cover.
Cashless facility: The company also offers a cashless facility which makes it quite worthy to renew your car insurance with it.
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|
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'.
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.
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:-
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-
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 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.
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 30-12-2019