Bharti Axa Auto Insurance

Bharti AXA auto insurance offers complete protection to vehicles and passengers with an easy 24/7 claim settlement process, No-claim Bonus discounts and servicing at over 2000 network garages. Bharti AXA also provide two-wheeler insurance against theft, accidents and liability with additional protection for riders. The insurer offers two levels of coverage custom made for policyholders purchasing their auto insurance policies online. Bharti AXA vehicle insurance premiums paid online are also entitled to additional discounts if the customer’s insured vehicle includes an ARAI approved anti-theft device and a voluntary deductible component as part of the coverage.

Key features of Bharti AXA Auto Insurance

  • A Bharti AXA auto insurance policy includes comprehensive coverage for theft, physical damages to the vehicle, third party liability for accidents and property damage liability.
  • The company also gives a Personal Accident cover of Rs 2 lakhs to the driver in cases of injury, death or permanent disablement occurring due to accidents.
  • Bharti AXA also provided 24/7 roadside assistance in the form of on-road repairs for breakdowns, towing facility, flat tyre changes, etc. Additionally customers can also get emergency fuel refills and assistance if they have locked out of their vehicle after losing their keys.
  • No-claim discounts can be availed on the premium while renewing the policy, provided the policyholder has not made any claims during the previous year. Bharti AXA allows the accumulation of up to 50% of the No-claim bonus on own damage premiums. Customers also have the option of transferring benefits of their existing No-claim bonus from other insurance companies to Bharti AXA.
  • Bharti AXA customers have the option of making cashless or reimbursement claims by notifying the insurer immediately and registering for a claim settlement during emergencies with the required information.
  • Bharti AXA auto insurance does not include coverage for common wear and tear, loss due to depreciation, electrical or mechanical breakdown, losses incurred outside India and damages due to accidents occurring owing to driving under influence or without a valid driving license.

Bharti Axa Car Insurance Add On Covers

Ensuring enhanced protection for their vehicles, Bharti AXA customers can customise their policies with different as per their requirements.

Depreciation cover - Customers can get 100% of the value of the depreciated part of their vehicles at the time of accidents.

Invoice Price cover - When a vehicle is stolen or lost, policyholders can get coverage for the total insured value of the vehicle along with registration and road tax amounts.

Medical Expenses - Bharti AXA also gives coverage toward physical injury endured by the driver and passengers of the affected vehicle up to an amount of Rs 10,000 per person.

Personal Accident cover for Passengers - Bharti AXA also provided a compensation amount of Rs 1 lakh in the instance of death or permanent total disablement to passengers who travelled in the vehicle at the time of the accident.

Cash for Hospitalisation - Customers are also entitled to an amount of Rs 1000/- per day for a maximum of 30 days for hospitalisation and medical treatments arising due to car accidents.

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

 4.0 / 5.0   by 118 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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Bharti Axa Auto Insurance Reviews

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  • review Car Insurance
    "Car insuarnce"
    0.5 0.5/5 "Unacceptable"
    Such a money making company , third class service , i gave my car to insurance get it claimed but i am waiting from past 1 month , i didn't get the approval . I have never came across such a bad vompany and bad customer service and still i am struggling with these people . Shameless company .
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 24, 2019
  • review
    review Car Insurance
    "It's a fraud company eating customers money"
    0.5 0.5/5 "Unacceptable"
    Bharti axa car Insurance company is not genuine at all as it is a private company so their focus is just to collect the premium from clients but at the time of claims they run from their responsibilities and deny the claims for no reasons.. The company they have hired for forensic and investigation are also working in their favour as those companies are paid by bharti axa for making reports in their favour, I would like to alert the customers to never go with bharti axa car insurance.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 20, 2019
  • review Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the BHARTI AXA GENERAL INSURANCE where i have no claim experience also the premium paid was nominal also the IDV value was good with the policy. The policy coverage is for full also it is a good policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 05, 2019
  • review Car Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I had big accident at last year, they covered upto 2.5 lakhs its covered fully not even I spend single penny from my pocket, they have own terms, the claim process was easy. Everything was simpler, Bharthi Axa is providing bumper to bumper I paid around Rs. 36,000 for one year.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Jun 18, 2019
  • review Car Insurance
    "Nice price"
    0.5 4.0/5 "Great!"
    They have provided me a good IDV value for the less premium amount. The Policybazaar people has taken the initiative they have assisting the policy while i purchasing the policy. I have paid the premium amount of Rs. 4500 for the IDV value of Rs. 3.5 lakhs. Its a comprehensive policy. They are provided me a no claim bonus and i do not have any claim experience till now.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 14, 2019
  • review Car Insurance
    "Need to inform the customer in advance"
    0.5 2.5/5 "Just OK"
    I got a car insurance from Bharti Axa General which was suggested by the dealer. The premium is reasonable but I have taken bumper to bumper, if anything happens to below 10K which has to be paid by the customer. It was mentioned on the insurance policy which I have noticed recently but they have not explained me about this. Its a one year policy.
    Was this review helpful? 0
    , chennai
    Reviewed on May 06, 2019
  • review Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the BHARTI AXA GENERAL INSURANCE, i had no claim experience with this policy, the premium paid for this policy is for 18k, the policy coverage is for basic with this insurance policy. The service is good.
    Was this review helpful? 0
    , faridabad
    Reviewed on Apr 26, 2019
  • review Car Insurance
    "Hoping for Good claim response"
    0.5 4.0/5 "Great!"
    By Gods grace , till now i didn't gone for any claim with the Bharati Axa . So I don't know how they respond to my claims . I don't have any idea about the service . But they given a very affordable premium with bumper to bumper and third party coverage in the policy .
    Was this review helpful? 0
    , secunderabad
    Reviewed on Apr 10, 2019
  • review Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    First time I took policy from Bharti axa for my hyundai eon, the insured value was good. They have comprehensive benefits front bumper to back bumper covered. Time of activation is good with their customer center. They have benefits 24 hours of road side assistance and other service.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 25, 2019
  • review Car Insurance
    "Not satisfactory customer "
    0.5 1.0/5 "Really Bad"
    In Bharati AXA car insurance i insured my car Hyundai santro in the Year 2010 . During that time also they rejected my claim without proper justification . From my side i spent around 6-7 k for repairing my car . I discussed this issue with all professionally people in the Bharati Axa .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 04, 2019
  • review Car Insurance
    "need to improve customer service and claim related problem"
    0.5 1.0/5 "Really Bad"
    I purchased Bharati AXA general insurance for my vehicle FORD ECO SPORT .Bharati AXA are not processing the customer claim very genuinely . I went claim for two times , First time they cleared my claim and second time they rejected my claim, I spend 14 k from my pocket. Service is not up to the mark .
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 04, 2019
  • review Car Insurance
    "Customer education required prior before offering the policy"
    0.5 3.0/5 "Satisfactory"
    I do have a car insurance with Bharti Axa and claim process was not satisfactory. The customer service is average. It was offered by the showroom and later faced many issues. They have not informed me about the features of the insurance. I have paid around 6K to get one year policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 04, 2019
  • review Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am using the car insurance policy with the BHARTI AXA GENERAL INSURANCE and i had no claim experience with this policy so far added on that i am using it from last 3-4 years. They provided the premium and the IDV which is satisfactory. IT gives the basic coverage.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Mar 04, 2019
  • review Car Insurance
    "EXCELLENT"
    0.5 5.0/5 "Blown Away!"
    BHARTI AXA GENERAL INSURANCE i am using it for the car insurance where i have a claim experience with this policy one and it is cashless added on that the customer service is very good they help by taking the claim. The policy coverage is for bumper to bumper.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 04, 2019
  • review Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I never had any claims with Bharti Axa. My car insurance was offered by the showroom. I have received the insurance paper. They have charged me reasonable premium. It is a third party insurance and it covers bumper to bumper, Road side assistance. I can give a better opinion once I can go for claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 02, 2019
  • review Car Insurance
    "Smart protection"
    0.5 4.0/5 "Great!"
    My showroom guy issued car policy from Bharati Axa, I didn't compare the cost of the policy. Its zero depreciation plan, bumper to bumper protection is there. They give 24 hours service, road side assistance its all standard. With best IDV on my Honda I20 car.
    Was this review helpful? 0
    , thane
    Reviewed on Feb 12, 2019
  • review Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I had a car insurance with Bharti axa general insurance for 1 year and it was a good policy which was provided along with the car. I did not had any claim experience with this insurance. I paid a premium of Rs 29000 for this insurance.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 29, 2019
  • 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
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