BHARTI AXA Car Insurance

This product is geared to meet the comprehensive needs of motorists. As a private car insurance plan it looks after protection requirements of cars used by individuals for private use.

Bharti Axa Car Insurance Cover:

This plan comes with two levels of cover for the car and passenger's i.e. basic cover to meet comprehensive liabilities arising from accidents and an enhanced cover which includes assistance during breakdowns and other unfortunate on-road incidents. The details are outlined below:

1. Basic Cover:
   1. Comprehensive - includes theft, damage by fire/accident/earthquake/flood etc. as specified in the contract.
   2. Third-party liability - includes damage to another person's vehicle/property or for loss of life/injury caused to another.
   3. Personal Accident - Rs.2 lakhs in case of death/total permanent dismemberment.
2. Basic + Roadside Assistance (within 25km radius)
   1. Basic cover as mentioned above
   2. On road repairs (breakdowns)
   3. Towing services
   4. Change of tyre
   5. Lost key/lockout
   6. Emergency fuel

Add-On Covers:

There are situations wherein the loss that arises is beyond the terms of the base plan for which the company provides the following covers (at additional an additional cost):

Exclusions:

There are certain claims for loss/damage that are not compensated for by the company.

1. Depreciation
   1. General wear and tear
   2. Loss or damage
2. Breakdowns - Electrical/Mechanical
3. Events occurring outside specified area limits (i.e. outside India)
4. Driving under intoxication / Driving without valid driver's license / Unauthorized driver
5. Vehicle used beyond authorized usage limits
6. Nuclear damage

In addition to the above mentioned features, Bharti AXA's policy also includes the following benefits:

Discounts:

• On premiums for installation of anti-theft devices and voluntary deductibles
• No-Claims Bonus : Up to 50% on renewal

Garage Network:

• 2,500+ associated garages for cashless servicing

Claims:

• Cashless (at network garages)
• 24 hours assistance

Documents Required

You will be required the following documents to purchase a car insurance policy from Bharti AXA General Insurance Company Limited:

• Proof of identity 

• Proof of age 

• Copy of the vehicle registration certificate 

• Copy of driving license 

• Other KYC documents 

Eligibility Criteria  

In order to buy car insurance, you must fulfil the below given criteria: 

• Age must be 18 years old or above 

• Must have a valid driving license 

Key Benefits of Applying Bharti Axa   Car Insurance Online:

• Quick and Easy Process – Customers can buy car insurance online quickly as it requires minimal steps and less paperwork. It makes the process smooth and hassle-free.  

• Easy Online Purchase and Renewal – Policies can be purchased or renewed online without the immediate need for physical documents. It helps in saving both time and effort.  

• Flexible Coverage Options – The insurer offers plans such as Basic Cover and Basic Cover with Roadside Assistance to match different customer needs.  

• Instant Digital Policy Issuance – Policy documents are issued instantly in digital format and can be downloaded or printed anytime for easy access.  

• 24x7 Customer Support – There is a dedicated customer assistance which is available all the time to help with policy queries, renewals, and support services.  

How to claim Bharti Axa Car Insurance Policy?

There are two methods by which you can raise a car insurance claim under Bharti AXA. One is a cashless claim, and the other is a reimbursement claim. Both methods help you recover repair costs after an accident. Here are the steps for both the methods: 

1. Cashless Claim Process 

• In case of collision of a vehicle in the accident, then note the registration number of the other vehicle. 

• In case of third-party damage or theft, you need to file an FIR at the nearest police station.   

• You can either register the claim via email (claims@bhartiaxa.com) or by calling toll-free number (1800-103-2292).  

• After registering the claim, you will receive a confirmation SMS. 

• A Bharti AXA representative will contact you and guide you on required documents and next steps.  

• Take the vehicle to the authorized network garage recommended by the insurer.  

• Your vehicle will be inspected by the company’s team member within 24 hours.  

• If any deductible or balance amount is applicable, the insurer will inform you in advance. 

• For commercial vehicles, additional documents such as Fitness Certificate, Route Permit, and Goods Receipt may be required.

2. Reimbursement Claim Process 

• You need to follow the above steps, but here you need to inform the insurer before starting vehicle repairs instead of taking the vehicle to the authorized network garage. 

• Take clear photographs of the damaged vehicle before repair work begins.  

• Get the vehicle repaired at any garage of your choice and pay the repair charges upfront.  

• Take all original bills, receipts, and repair documents.  

• A surveyor will inspect the damaged vehicle and verify the claim.  

• Submit all required documents along with repair invoices and photographs.  

• After verification, the approved claim amount will be reimbursed as per policy terms. 

How to Renew Bharti AXA Car Insurance? 

By following the steps given below, you can easily renew your card insurance policy:

Step 1: Go to the official website of Bharti AXA General Insurance.

Step 2: Click on the ‘Renew’ option to start your car insurance renewal.

Step 3: Enter your policy details and click on Renew Policy.

Step 4: Check the premium amount and make the payment online.

Step 5: After successful payment, you will receive a confirmation email on your registered email ID.

Step 6: Download or print the payment receipt and renewed policy for future reference.

Bharti AXA Customer Care Service:

Bharti AXA provides multiple customer support services to help policyholders with policy purchase, renewal, claim assistance, and grievance handling. Here are the details given below: