Bharti AXA Bike Insurance
Bharti AXA Bike Insurance
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Bharti AXA Two-Wheeler Insurance

Bharti AXA General Insurance Company Limited was launched in the year 2008. The company is a joint venture between the Bharti Enterprises and AXA business group. It has a PAN India presence, serving more than 105 million customers and businesses all over the country. The company features a broad spectrum of insurance solutions for individuals who are looking for a motor, health, life, travel, family, property as well as crop insurance. 

Bharti AXA Two-Wheeler Insurance acts like a shield that protects your two-wheeler from perils like personal accidents, third party liabilities, natural or man-made calamities, etc. It also offers long-term two-wheeler insurance policies so as to avoid renewing the policy every year. Bharti AXA promises to deliver quick claim services along with other assistance to keep your two-wheeler protected.



Mumbai, India

Number of Claims Settled

27 Lakhs+

Number of Branches in India


Recent Awards (2020)

  • Claims Service of the Year - Large (Private Sector) at ET NOW World BFSI Congress and Awards
  • Best Use of Technology by ASSOCHAM
  • Technology Initiative of the Year at India Insurance Summit and Awards

**Last Updated on 05-11-2020

How To Renew Bharti Axa Two-Wheeler Insurance Policy?

Renew With Bharti Axa General Insurance

Bharti AXA makes it easy for you to renew two-wheeler insurance with no paperwork. Kindly go through the below steps to proceed with the renewal process:

Open the official website of Bharti AXA General Insurance.

  • Click on the 'RENEW' tab given at the top of the page and choose 'Bharti AXA Two-wheeler Insurance'.
  • Tap on the 'Renew' button and enter the details like your policy number, bike registration number and policy expiry date.
  • Click on 'Renew Now' and check your policy details.
  • Proceed and make the premium payment.
  • Once it is done, your policy will be renewed and a soft copy will be sent to your registered email address. You can also receive the same in your WhatsApp Number by choosing the option 'I wish to get policy details on my WhatsApp number' provided during the process.

Renew With allows you to renew your two-wheeler insurance by following simple steps:

  • Scroll to 'Get Quotes' available on the top-right corner of this page. 
  • Enter your personal information along with your two-wheeler details.
  • Choose the 'Renewal' option and press 'continue' to submit the information.
  • It will showcase the quotes page for different insurance companies. Select the Bharti AXA Two-Wheeler Insurance plan. Decide the coverage type, two-wheeler insurance term and add-ons (if required).
  • Pay the premium through any online mode of payment and you will get the confirmation receipt in your registered email ID.

Key Features & Benefits of Bharti AXA Two-Wheeler Insurance

Incurred Claims Ratio

Bharti AXA holds an Incurred Claims Ratio of 75% which shows the reliability of the company towards its customers.

5200+ Cashless Garages

Bharti AXA has a strong tie-up with 5200+ authorised network garages across India, where customers can get their vehicles repaired without any cash payment.

No Claim Bonus (NCB).

You can avail NCB discount for not claiming in a policy year. The benefit will help in lowering your premiums and the discount increases every year that may go up to 50%.

24/7 Assistance

Bharti AXA customer care team is available 24 hours due to which communication is not a barrier while making a claim or any other support regarding the policy.

Bharti AXA Two-Wheeler Insurance Premium Calculation

The premium of a two-wheeler insurance policy is calculated with the help of several factors like zone of registration, engine cubic capacity of the two-wheeler, model and age of the two-wheeler, IDV, among others. 

Let us take a look at some premium illustrations for different bike models:

Bike Variant

Price of the Bike


Zero Depreciation

(Add On)*

Estimated Premium*

Honda SP 125 Drum (124 cc)

Rs. 73,452

Rs. 47,412


Rs. 3,587

Suzuki Gixxer 250 STD (249 cc)

Rs. 1,06,000

Rs. 71,005


Rs. 6,632

Bajaj CT 110 Kick Start VS VI (115 cc)

Rs. 46,413

Rs. 21,854


Rs. 2,803

Hero Splendor iSMART 110 Self Start Drum Brake (109.2 cc)

Rs. 55,837

Rs. 30,149


Rs. 4,115

Table Data updated on 05-11-2020

**The values are calculated on the basis of Delhi city and registration year 2020.

What Are The Add-On Covers Under Bharti AXA Two-Wheeler Insurance?

Zero Depreciation Cover: With the help of this cover, you do not need to pay the expenses for repair/replacement of depreciated parts of your bike like fibre, rubber, plastic, etc.

Personal Accident Cover: In case of death or disability due to an accident, this add-on cover will offer financial compensation to the policyholder's family.

What Is the Claim Settlement Process of Bharti AXA Two-Wheeler Insurance?

Cashless Claim Process

  • Register Your Claim
    Inform and give details about the incident to Bharti AXA by calling on the toll-free number. You can also draft an email or go online where you will be required to enter your 'two wheeler Policy Number' and 'Expiry Date' to file a claim. An SMS will be sent within 1 hour as a confirmation for the registration.
  • Repair of Vehicle
    Take your two-wheeler to a network garage of Bharti AXA where the company will send an investigator to carry the procedure of vehicle inspection and evaluate the loss/damage.
  • Document Submission
    The administrator will prepare a brief report about the incident and collect the required documents to proceed with other significant steps. The report will be submitted to the insurance company by the administrator.
  • Approval of Claim
    On receipt of the report and the necessary documents, the company will verify the same and directly settle the claim with the garage. You will be notified about the claim settlement via call or SMS.

Reimbursement Claim Process

  • Register for a reimbursement claim by following the same process as mentioned above (after getting your two-wheeler repaired from a non-network garage).
  • The insurer will investigate the claim and verify all the necessary documents.
  • Upon successful completion of the verification process, the claim will be settled by making the payment of the accepted amount directly into the account of the bike owner.

**Note down the third-party details in case of third-party liabilities and never miss on filing an FIR to the local police in case of theft and accidents.

Documents Required For Claim Process

  • Self-attested registration certificate of the bike.
  • Policy papers.
  • Driving license.
  • Original bills and receipts of repairs from the garage.
  • Claim Registration Form.
  • Copy of FIR (if any).
  • Photos of the Accident (if any).
  • Repair Bills/Invoice of the vehicle

Contact Details

Bharti AXA General Insurance Company

Registered Office Address:

Bharti AXA General Insurance Company Limited, Spectrum Towers, 3rd floor, Malad Link Road, Malad (west), Mumbai- 400064.

Telephone (Toll-free): 1800-103-2292 (To buy, renew and claim purposes)

Text Message: SMS <CLAIM> to 5667700 (Only for claims)

Email: (For any queries/grievances regarding your two-wheeler insurance policy)

WhatsApp: Give a missed call on '85058 8311' for hassle-free services.

Chat Online: With your Virtual Assistant 'BAGI-RA' by visiting the official website of Bharti AXA.

Registered Office Address:

PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

Email: (For assistance & complaints) (For any Sales query)

Toll-Free Number: 1800-4200-269

Bharti Axa Two-Wheeler Insurance: FAQs

1. What is 'Constructive Loss' in Bharti AXA Two-Wheeler Insurance policy?

Constructive Loss is a term used to describe loss/damage of the bike caused due to an accident where the claim should not exceed 75% of the IDV (Insured's Declared Value) for repair/replacement expenses.

2. I have lost my Bharti AXA Two-Wheeler Insurance policy documents. Can I request for a duplicate policy?

Yes, you can request for duplicate policy by calling the insurer on the toll-free number or by submitting a written letter to the nearest branch office.

3. Can I opt for a zero depreciation add-on cover in between the policy term in Bharti AXA Two-Wheeler Insurance?

No, it is not possible. You can only opt for a zero depreciation add-on cover at the time of purchase or renewal of the policy.

4. My bike is 4 years old. How much depreciation will be covered under my Bharti AXA Two-Wheeler Insurance policy?

You will get 35% of the depreciation for a 4 years old bike under the policy.

5. How much 'Personal Accident Cover' is provided by the Bharti AXA Two-wheeler Insurance policy in case of disability of a two-wheeler owner?

The company offers compensation of up to Rs. 1 lakh (once during the policy tenure) in case of disability under the 'Personal Accident Cover' of the policy.

6. Can I cancel my Bharti AXA Two-Wheeler Insurance policy? If yes, then how much time is provided by the company for zero cancellation fee?

Yes, you can cancel your Bharti AXA policy within 14 days to avoid any cancellation charges by the company.

7. How much premium will be charged for a bike of 149 cc under 'Third-party Liability Insurance' in Bharti AXA Two-Wheeler Insurance policy?

As per the policy wordings of Bharti AXA, the premium for 1 year policy of the mentioned engine capacity will cost you around Rs. 752 and for a 5 years policy, it will be Rs. 3,285.

8. If the bike owner dies due to an accident, how much compensation will Bharti AXA pay to the family of the owner?

With a premium of the specific amount, the owner's family is liable to receive a compensation of Rs. 15 lakhs in case of death due to an accident.

Last updated on 05-11-2020