Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Bharti AXA Car Insurance Add On Covers

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

A pioneer in motor insurance industry, Bharti AXA offers comprehensive coverage when it comes to car insurance. Customers can tailor the insurance policy as per their requirements and recommendations. Policyholders can enjoy a line of advantages like cashless network of garages pan India and 24/7 claims assistance. Bharti AXA car insurance also brings with it, many other benefits including easy claims settlement and hassle-free renewal process.

Bharti AXA offers a wide range of add-on covers for car insurance to provide technical aid and to ease the stress of policyholders. Add-on covers for motor insurance can be opted by paying a little extra premium and policyholders can select add-on covers as per their requirement.

Bharti AXA Car insurance add-on covers are tailor made to meet specific requirements of policyholders.

Bharti AXA Car Insurance Add On Covers

The following add-on covers are offered by Bharti AXA and will be of immense benefit to policyholders who are looking to cover a specific risk.

Depreciation Cover for Private Cars

Under a standard car insurance policy, the insured gets an amount that is subject to the factor of depreciation also. So, the amount received will be lower than the actual cost of repairs. With depreciation cover, you can receive the insurance amount without deduction of depreciation amount.

  • To avail the benefit of this cover, the insured’s vehicle must be repaired at any of the authorized garages of Bharti AXa.
  • The vehicle should not be more than 5 years old from date of registration or date of purchase, whichever comes first, to avail this cover.
  • Depreciation cover is valid for up to 2 admissible claims.
  • Bharti AXA will pay the amount of depreciation on parts replaced.

Consumables Cover for Private Car

Bharti AXA will cover all losses incurred due to substances and items which are of specific use and are totally consumed or rendered unfit for further use due to a damaged vehicle.

  • Items like screw, nut and bolt, washers, grease, ac gas, lubricants clip, engine oil, distilled water, break oil, oil filter and other such parts.
  • Vehicles should not be more than 5 years old to avail this claim.
  • All costs must be supported with relevant invoices and bills from garages authorized by Bharti AXA.
  • Repairs must be undertaken within 3 days of loss.

Invoice Price Cover for Private Car

Under this add-on cover, Bharti AXA will pay the invoice value of car including road tax and registration charges ie, the current replacement value of car if the model is available in market. One can make use of this cover in case of the unfortunate event of Total theft or constructive total loss (CTL) of the car.

  • To avail this cover, the vehicle should not be more than 2 years old at the date of commencement of policy.
  • The insured vehicle should be indigenous and the insured should be the first registered owner of the vehicle.
  • In case of theft of the insured vehicle, First Information Report (FIR) should be submitted.

Hydrostatic Lock Cover for Private Car

For policyholders who have availed this cover, Bharti AXA will compensate for the losses incurred due to replacement or repair of engine parts of the vehicle insured in case of ingression of water in car engine.

  • The insured vehicle should not be more than 5 years old from the date of start of cover.
  • The replacement or repair should have been carried out in Bharti AXA authorized garages in India.
  • If the engine is replaced, the invoice must be submitted 15 days from the date of loss of endorsement in the policy.
  • This cover will cease in case of transfer of ownership.
  • The insured vehicle must have been used for private purposes only.

No Claim Bonus (NCB) Protection Cover

For every claim free year, policyholders are given a No Claim Bonus. This slab increases with every claim free year and raises up to 50%. But, if you make a single claim, your No Claim Bonus comes down to zero. NCB protector cover will guard your NCB for up to two claims during the policy period.

  • If more than two claims are made in a period of two consecutive years, the NCB will be reduced to zero.
  • This cover is applicable to comprehensive coverage for private cars only.
  • In case of declarations by insured, the No Claim Bonus is subject to confirmation from previous insurer.
  • This cover will cease to exist after one claim that is not admissible and will cease to exist in case of transfer of ownership of the cover.

Scope of No Claim Bonus Protection Cover

NCB as mentioned in policy Claim Reported (up to 2 claims) NCB on renewal
0 percent No 20 percent
0 percent Yes 0 percent
20 percent No 25 percent
20 percent Yes 0 percent
25 percent No 35 percent
25 percent Yes 20 percent
35 percent No 45 percent
35 percent Yes 25 percent
45 percent No 50 percent
45 percent Yes 35 percent
50 percent No 50 percent
50 percent Yes 45 percent
65 percent No 65percent
65 percent Yes 50 percent

Outstanding Loan Cover for Private Cars

Bharti AXA will pay the total outstanding loan amount on the insured vehicle or the actual amount outstanding at the time of claim, whichever is lower, if the insured dies due to bodily injury due to external, violent, visible and accidental means.

  • This cover will come to play if the insured dies to bodily injury while travelling in, disembarking or embarking from the insured vehicle during the policy period.
  • Any arrears on loan and interests payable in such arrears as on date of accidents are specific exclusions of this add-on cover.

Roadside Assistance for Private Car and Commercial Vehicles

The insurance company will offer roadside assistance through an authorised vendor if the insured’s vehicle breaks down. The following services are offered under this cover.

  • In case of major breakdown, vehicle relocation to the nearest garage.
  • For minor breakdowns, repair services.
  • Changing of flat tyres.
  • If vehicle runs out of fuel, emergency fuel will be arranged.
  • Assistance for lockout and lost keys
  • Alternative transport assistance to nearest safe place for passengers.

Ambulance, Hospital and Medical Covers

  • Hospital Cash Cover offers daily cash allowance for any injury to the insured caused when travelling in, disembarking or embarking from insured car.
  • Ambulance Charges cover will reimburse the costs of transportation of insured in Ambulance to hospital in case of bodily injury due to accident when travelling, disembarking or embarking from insured vehicle.
  • Medical expenses reimbursement will cover the costs of medical treatments in case of injury to the insured when travelling, disembarking or embarking from insured vehicle.

As add-on covers cater to the specific need of insured, you can choose a cover if you have a requirement. Suppose you live in a flood-prone area, hydrostatic lock cover should be of great use to you. For lady drivers, roadside assistance can be a boon. It is always better to be safe than to be sorry, pay that little extra premium and avail a greater insurance shield!

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Bharti AXA Car Insurance Add On Covers Reviews

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  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • review Car Insurance
    "Value of money"
    0.5 4.0/5 "Great!"
    4 years back, i have bought my car insurance policy with Bharti Axa. Somebody suggested me about this car insurance policy. The premium amount is less comparatively less when i compared with other companies. I'm happy about the coverage value they have provided to me. I have not claimed anything in this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • review Car Insurance
    "Just okay for using a car"
    0.5 3.0/5 "Satisfactory"
    I had a car insurance with Bharati Axa in the year of 2010 - 2012. I don't have . I was paying 8K as a premium through cash. I pay the premium to the agent. They are given the insurance papers on time. The customer service, it could be better.
    Was this review helpful? 1
    , secunderabad
    Reviewed on Nov 30, 2018
  • review Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Bharti Axa general insurance from last 2-3 years, a premium of Rs 14000 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation. I had claim experience last year and it was good, they provided cashless garage facility.
    Was this review helpful? 0
    , lucknow
    Reviewed on Nov 26, 2018
  • review Car Insurance
    "Lowest premium in the market"
    0.5 5.0/5 "Blown Away!"
    The insurance company gave me comprehensive plan, I made the premium around Rs. 8000 for one year wagon R, at the time I found it was lowest and they many center in delhi. Road side assistance for break down etc. I am fine with the insurance company.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 22, 2018
  • review Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance policy with Bharti AXA for 1 year, a premium of Rs 15000 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. No claim experience so far and they cover bumper to bumper damage.
    Was this review helpful? 2
    , bangalore
    Reviewed on Sep 08, 2018
  • review Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a car insurance policy with Bharti Axa general insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay a premium of Rs 12500 for this insurance policy. Customer service was good and they explained about the insurance in detail.
    Was this review helpful? 1
    , pune
    Reviewed on Sep 08, 2018
  • review Car Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    My Car is insured with the Bharti Axa general Insurance. I am paying premium of 8000 per year, it offers bumper to bumper coverage and also gave me a proper IDV value. I do not have any claim experience with the policy so far.
    Was this review helpful? 2
    , bangalore
    Reviewed on Aug 29, 2018
  • review Car Insurance
    "Renewal Issues after 4-5 years"
    0.5 1.0/5 "Really Bad"
    Very low standard and poor service. After continues 4-5 years of no claim they don't renew your policy if you are late for one month. I think it is due to they don't want to provide no claim bonus. Very disappointed with service and customer care.
    Was this review helpful? 3
    , surat
    Reviewed on Aug 18, 2018
  • review Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my car insured with Bharti Axa general insurance from last 2 years, i have not claimed anything so far from this insurance policy. I pay a premium of Rs 11500 for this car insurance. The coverage value is good with this insurance and they cover both bumper to bumper and third party.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jul 01, 2018
  • review Car Insurance
    "Trust worthy policy"
    0.5 4.0/5 "Great!"
    It is a tax benefitable. It has easy claim policy. The showroom people of Hyundai recommended the Bharati Axa insurance. I used to pay the premium of Rs. 6400 every years. They are not providing any road assistance. I never had any claim experience so far.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jun 06, 2018
  • review Car Insurance
    "Very good policy to use"
    0.5 5.0/5 "Blown Away!"
    Got the car insurance policy from the Bharathi axis general insurance company around 5 months ago. I have paid around Rs,40,000 to get this policy this year, because this policy covers bumper to bumper benefits and the policy coverage is good with this policy.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Apr 17, 2018
  • review Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with Bharti Axa general insurance from last 3 years and it is one of the good policy. This policy has to be renewed every year but i am not aware of the premium amount. I do not have claim experience and they cover bumper to bumper as well as third party damages.
    Was this review helpful? 0
    , mumbai
    Reviewed on Apr 03, 2018
  • review Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have got the claim experience from the BHARTI AXA GENERAL INSURANCE car insurance policy, I never got full claim amount so that was the reason i have changed other insurance company, I have got the bumper bumper insurance policy from the BHARTI AXA GENERAL INSURANCE but the claim experience is bad with the BHARTI AXA GENERAL INSURANCE.
    Was this review helpful? 0
    , kolkata
    Reviewed on Feb 27, 2018
  • review Car Insurance
    "Best insurance policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a Car Insurance with Bharti Axa.The premkum amount is 32,000 per annum paid through an auto debit payment.I have taken this policy last year.The policy is coverage is 100% covered,its zero depreciation.I am happy taking this policy.
    Was this review helpful? 1
    , new delhi
    Reviewed on Feb 13, 2018
  • review Car Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I am using car insurance with Bharati Axa for past 5 years. I never claimed so far and don't have much experience. First time when I purchased a car, the dealer suggested this insurance and am continuing. I have received the reminder call from the customer support for the policy renewal.
    Was this review helpful? 0
    , raigarh
    Reviewed on Feb 06, 2018
  • review Car Insurance
    "Insurance with BHARTI AXA GENERAL INSURANCE"
    0.5 5.0/5 "Blown Away!"
    I have taken the car insurance from BHARTI AXA GENERAL INSURANCE. The yearly premium amount is 50000. The policy benefits include bumber to bumber, zero depreciation, cashless garage and road assistance. Its a good policy with BHARTI AXA .
    Was this review helpful? 1
    , hyderabad
    Reviewed on Feb 01, 2018
  • review Car Insurance
    "Very Good"
    0.5 4.0/5 "Great!"
    Right now I have done my insurance with BHARTI AXA. In which I own a bumper to bumper insurance. Plan benefits and customer service brief from the insurance is good. I have paid a premium amount of rs 15,400. Also the cost is low compared to the previous insurance I had for my car.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 25, 2018
  • review Car Insurance
    "Good insurance policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with Bharti Axa General Insurance from last 1 year and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 9000 for this insurance. I do not have claim experience so far with this insurance. They cover third party damages and i am satisfied with the benefits of this policy.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 22, 2018
  • review Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have insured my car with the Bharti Axa general insurance company and the coverage value is 100% coverage like its zero depth coverage too. I have not faced any claims with them like its bumper to bumper one.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 17, 2017
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