Bankbazaar

Bharti Axa Motor Insurance

Commencing operations in 2008, Bharti AXA was formed following a joint venture between business group AXA and Bharti Enterprises. Since then, the company has spread its wings to 79 branches across the country, have more than 2,500 listed cashless garages and have issued millions of policies. Bharti Axa Motor Insurance offers both third-party liability and comprehensive insurance policies for its customers.

Why Should You Buy Motor Insurance From Bharti Axa Insurance

Some of the benefits of holding a car insurance policy with Bharti Axa Insurance are listed below.

  • Bharti Axa Insurance website allows you to buy and renew motor insurance online, in just a few simple steps.
  • 24x7 claim settlement and claim assistance customer service facilities.
  • Customers subscribed to the Bharti Axa car insurance can choose from more than 2,500 cashless garages to get their car serviced.
  • Customers can track their claim status online.
  • Discounts in premium for customers with no-claim bonus.
  • Customers can transfer their no-claim bonus from any insurance provider.

Types Of Motor Insurance From Bharti Axa

Bharti Axa offers the below listed insurance policies for motor vehicles.

  • - Bharti AXA offers both third-party liability insurance as well as comprehensive insurance. While the third-party liability insurance is basic and only covers the damages, injury, death of the third-party, the comprehensive insurance protects the car from theft, natural calamities, man-made disasters, riots, strikes, etc. In addition, the comprehensive insurance policy also offers protection from legal liability to a third party in an accident and personal accident coverage for the owner of the vehicle.
  • Two-wheeler insurance - Bharti Axa offers two types of policies for two-wheelers - third-party liability insurance and comprehensive insurance policy. The comprehensive insurance policy includes own-damage cover and as well as damage caused to the third-party - injury, death, property. If the customer requires additional protection, he/she can opt for various add-ons. Customers also have the choice of choosing the multi-year insurance policy - which is only available for two-wheeler vehicles

Bharti Axa Third-Party Risk Policy - Inclusions

If not for a comprehensive policy, customers can also choose to buy a minimal level of motor insurance for his/her car, as mandated by the Motor Vehicles Act, 1988. This insurance plan is referred to as a liability only plan or third-party risk policy. This insurance scheme protects the policyholder from liability claims raised by a third party after an accident, which includes third-party injuries, disabilities, or death and coverage for third-party property damage. That said, the third-party risk policy offers no coverage for the vehicle or personal damage met to the insurance holder and it is advisable to hold a comprehensive motor policy instead to negate this factor.

Bharti Axa Comprehensive Motor Insurance Policy - Inclusions

Bharti Axa offers a comprehensive policy for private vehicles (four-wheelers and two-wheelers) and commercial vehicles.

Bharti Axa Two-Wheeler Comprehensive Insurance- Inclusions:

  • Coverage for the damage of the vehicle following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Personal accident cover for the insurance holder - including injury and death.
  • Loss of damage to the vehicle caused by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • Customers can also choose an extra cover to cover damages met to electrical and non-electrical parts, and personal accident cover to a passenger other that the driver.

Bharti Axa Four-Wheeler Comprehensive Insurance - Inclusions:

  • Personal accident cover - in case of injury, loss of limbs, loss of eyesight, etc., following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Reimbursements for damages met by the vehicle following an accident.
  • Reimbursement claim for damages caused either by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • Coverage for damages caused by man-made disasters.
  • The Bharti Axa Four-wheeler Comprehensive Insurance also offers extra coverage to cover damages met to electrical and non-electrical parts, and personal accident cover to a passenger other that the driver.

Bharti Axa Comprehensive Motor Insurance Policy - Exclusions

If injury, death, damage to the vehicle are met following an accident under the below listed circumstances, the insurer will not be able to avail any insurance coverage.

  • Driving under the influence of liquor/drugs.
  • Negligence leading to accidental losses.
  • Losses incurred while the vehicle was being driven by someone who is not named in the policy or isn’t the owner of the vehicle.
  • Driving without a valid license.
  • Using the vehicle beyond its limits.
  • Depreciation - wear and tear.
  • Consequential losses to the vehicle.
  • Electrical or mechanical breakdown.
  • Losses from nuclear war, radiation/weapons.
  • Losses from war and other such related events.

Bharti Axa Motor Insurance FAQs:

1. Apart from the inclusions in the policy, is there any other coverage?

Yes, by pay over the premium rate, you can avail a few extra coverages, they are:

  • Coverage for electrical and electronic accessories
  • Personal accident cover for the passengers
  • Nil depreciation cover

2. How can I purchase a policy?

You can visit the website of Bharti Axa, choose your policy and make the payment for it. The payment can be made either by debit cards, credit cards, cheque, or net banking.

3. Can you name some of the add-on covers offered by Bharti Axa Motor Insurance?

To ensure complete protection for the insurance holder, Bharti Axa Insurance has rolled out the below listed add-on covers:

  • Depreciation cover
  • Consumable cover
  • GAP value cover
  • Passenger assist cover
  • Roadside assistance cover

4. Are there any advantages of buying an insurance policy online?

Yes, the advantages are multifold:

  • Discounts on premiums
  • Reduced paperwork
  • Instant payments via netbanking, debit or credit card, etc.
  • High security during transactions
  • Regular reminders for renewals

5. What is the validity for motor insurance policies?

Most insurance policies are valid for just a year. In the case of two-wheeler insurance cover, customers can choose the multi-year policy - which is valid for 2-3 years - and is relatively cheaper. As of now, this options is not available for four-wheeler private and commercial vehicles.

 4.5 / 5.0   by 2580 users
Used this product? Write a review >>

Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Bharti Axa Motor Insurance Reviews

Page 1 of 50 1 2 3 4 5
  • National Insurance Car Insurance
    "GOOD"
    0.5 4.5/5 "Excellent!"
    I had no claim experience with NATIONAL INSURANCE and using from last more than 8-9 years. The premium paying was nominal than others when compared also the IDV value was nominal. The policy coverage is for bumper to bumper and also they are no claim, road side assistance is there.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 17, 2019
  • Iffco Tokio
    Iffco Tokio Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I am using the car insurance policy with IFFCO TOKIO GENERAL INSURANCE and using from last 2013 and i no claim experience also coverage is for bumper to bumper for full coverage. The premium and the IDV value is good compared to the others. There are benefits of road assistance is not there.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 16, 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
  • United India Car Insurance
    "Recommendable policy"
    0.5 3.0/5 "Satisfactory"
    Since my friend is working in United India hence i have chosen the car insurance policy from them. Since the car is 5 years old, they won't provide the zero depreciation policy and its a third party policy. I have paid the premium amount of Rs. 1800 and the premium is very less and the coverage amount is less than lakhs. I have got my no claim bonus and i don't have any claim experience with them. They have sent the hard copy of the documents to the customer's address without any request.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 14, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I had a claim experience with the card insurance policy holding with the ICICI LOMBARD GENERAL INSURANCE where the claim i got was 100%, the customer support is good. The premium paying through online it was higher. IDV value is good. Coverage is for zero dep. There was road side assistance is available.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 13, 2019
  • review Car Insurance
    "Value for money"
    0.5 5.0/5 "Blown Away!"
    I took my car insurance through an online channel from Kotak General. I chose this insurance company because of the premium is cheaper than others. I paid the premium around Rs. 17,000 for one year. I have a comprehensive plan as it covers my entire car parts and also it has a accidental cover. But the support team need improvement, however I got the IDV value around 8 lakhs for honda citi car.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jun 13, 2019
  • National Insurance Car Insurance
    "Value for money"
    0.5 5.0/5 "Blown Away!"
    I availed car insurance with National Insurance company for that I paid the premium around Rs. 8000 for one year. I took comprehensive plan which cover for me and the vehicle. They do have road side assistance, 24 hours service. Whenever I go for the renewal they are providing no claim features its good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 12, 2019
  • ICICI Lombard Car Insurance
    "Reliable policy"
    0.5 5.0/5 "Blown Away!"
    I had a claim experience twice with ICICI lombard which is good and its a 100% cashless claim. They have processed the claim immediately. In my policy, i got a no claim bonus, road side assistance and its zero depreciation policy. I have been paying the premium amount of Rs. 15000 and the policy got expired last month and they have sent me a reminder alert and calls.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 11, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience"
    0.5 4.0/5 "Great!"
    I faced a claim with HDFC ERGO, when my car glass got damaged I got the cashless garages within 18 days they have rectified the issue. I paid the premium of Rs. 11,900 for one year. I availed zero dep its covers all plastic, glass material. Even the insurance company got tied up with garages.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 11, 2019
  • ICICI Lombard Car Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    ICICI is the one of the top banker and the policy has tie up with ICICI hence i have chosen my car insurance policy with them. I pay the premium amount of Rs. 30000 and its not a 100% covered policy. I had a claim experience with them and it was not a cashless and I'm not satisfied with it. Compared to others, there are so many restrictions. They have a charged slip and they will verify everything then only they will return the money and the process also got delayed.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 11, 2019
  • ICICI Lombard Car Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I have paid Rs.6800 for one year car policy with ICICI Lombard. I have Santro car which is 12 years old. It is a comprehensive third party insurance. The renewal process was very simple and never had any challenges. I am doing online renewal and the insurance paper sent on time. Out of 12 years claimed 3 times, the process was very smooth and easy. The garages are more for cashless.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 11, 2019
  • Oriental Insurance Car Insurance
    "Good Policy to use"
    0.5 3.0/5 "Satisfactory"
    I am paying the premium amount of Rs. 18000 for my car insurance policy which i taken from Oriental. I get a coverage amount of Rs. 3.50 lakhs and they are providing a cashless claim and till not applied for any claim. They have provided me a bumper to bumper and road side assistance and its not a zero depreciation policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jun 11, 2019
  • Reliance General Car Insurance
    "Very Good Policy"
    0.5 4.5/5 "Excellent!"
    Actually its a company lease car, hence with their interest, they have provided me a policy with Reliance. This is a first party and third party covered policy. Since the company is paying the premium, I'm not sure about the premium amount and coverage amount. I do not have any claim experience
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 09, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I had no claim experience with the ICICI LOMBARD GENERAL INSURANCE where i have been using the policy since from lat few years. The premium paid was nominal also the policy coverage is for bumper to bumper. There is a no claim bonus also the road side assistance is with this policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 08, 2019
  • HDFC Ergo Car Insurance
    "Good claim experience"
    0.5 4.0/5 "Great!"
    I claimed with HDFC Ergo because there was some scratches on my swift dezire car, due the parking area. On that time I just paid Rs. 1000 registration fee remaining amount around Rs. 28,000 was claimed from my car policy . However I paid the premium of Rs.9000 for zero depreciation plan.
    Was this review helpful? 1
    , delhi
    Reviewed on Jun 08, 2019
  • National Insurance Car Insurance
    "Good for money"
    0.5 5.0/5 "Blown Away!"
    I have Santro car it was manufactured in 2015, I took comprehensive plan its fully covered. I believe last time I paid Rs. 5500 of premium, however is no claim but they have road side assistance, 24 hours service with other benefits like no claim feature.
    Was this review helpful? 1
    , kochi
    Reviewed on Jun 06, 2019
  • Bajaj Allianz Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the car insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE and using it since from last one year. I had no claim experience with this policy and also policy coverage with this policy is for basic with this policy.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jun 03, 2019
  • review Car Insurance
    "Policy is very good"
    0.5 5.0/5 "Blown Away!"
    Bought my car insurance from Kotak Mahindra Insurance. Not any particular reason for choosing the company. I have a claim experience. The given IDV value is Rs. 4.60 lakhs and i am satisfied with it. I have paid the premium amount of Rs. 12000. They are providing a no claim bonus, road side assistance and its a zero depreciation.
    Was this review helpful? 1
    , noida
    Reviewed on Jun 03, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have been using the car insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i have been using it since from last 1-2 years and i had no claim experience with this policy. The premium paid was nominal also the IDV value is good with this policy. There is a no claim bonus coverage also the bumper to bumper coverage is applicable.
    Was this review helpful? 1
    , chennai
    Reviewed on May 31, 2019
  • ICICI Lombard Car Insurance
    "Smart Protection"
    0.5 4.0/5 "Great!"
    I insured my car with ICICI Lombard I paid the cost of Rs. 14,000 it has the term of two years. I have zero depreciation cover, I got my policy paper on time. The insurer quoted the value of 80% from the total value. I have swift dezire car it was 2017 model.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 31, 2019
Common Loader Icon
Page 1 of 50 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.