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.

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Bharti Axa Motor Insurance Reviews

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  • Universal Sompo Car Insurance
    "Good Insurance"
    0.5 5.0/5 "Blown Away!"
    Taken my car insurance from Universal Sompo because the premium is less when i compared to other insurance provider, they have provided me a IDV value of Rs. 4 lakh. When i have done the cashless claim, they have sanctioned in 2 days. I'm getting renewal message in prior when the policy is getting lapsed. This is a first party insurance policy.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 20, 2020
  • Reliance General
    Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My friend has referred me about the car insurance from Reliance. I pay the premium amount of Rs. 10,200 for this policy. This is a third party insurance. My friend is working as a agent and he will renew the policy. I have not approached them for any kind of claim. They use to send the reminders to renew the policy.
    Was this review helpful? 0
    , tirupur
    Reviewed on Feb 20, 2020
  • Oriental Insurance Car Insurance
    "One of the best policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance was selected from Oriental insurance since the branch office is located to nearby my office. I pay the premium amount of Rs. 6000 for that they are providing me a IDV value of Rs. 2.8 lakhs. This is a first party insurance. Even though i don't have any claim experience, they have not provided me any no claim bonus.
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    , guwahati
    Reviewed on Feb 19, 2020
  • National Insurance Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    For the economical and low premium purpose, i have chosen the two wheeler insurance from National. I pay the premium amount of Rs. 7000 every year and they are giving the IDV value of Rs. 4 lakh. I used to renew the policy in the branch nearby located to my place. I have no claim experience till now.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 30, 2020
  • National Insurance Car Insurance
    "Excellent policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG car insurance is pretty awesome policy. So I have taken my car insurance from this company because they are providing me a bumper to bumper offer, comprehensive policy even if the car is 7 years old and this is the only company who provides this facility. To apply the claim is very easy in a single call. They have provided me 100% claim.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 28, 2020
  • United India Car Insurance
    "Secure and fast claim"
    0.5 5.0/5 "Blown Away!"
    My car insurance was purchased from United India and i have been renewing the policy with the same company for last 5 years. My claim experience is very fast and there is no struggle in getting the claim. The person will come to the spot by the next day once we applied the claim. I got the claim upto 90%. I have been receiving the no claim bonus also.
    Was this review helpful? 1
    , kochi
    Reviewed on Jan 22, 2020
  • Royal Sundaram Car Insurance
    "Money waste policy"
    0.5 1.0/5 "Really Bad"
    I have taken my car insurance from Royal Sundaram at earlier but I'm not satisfied with their services. When i applied for my claim, they have taken most of the part and they didn't provide the cashless claim in their garages. Quality of service is not that much good. I bought the policy through online. They didn't promised their word.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • Oriental Insurance Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    ORIENTAL INSURANE has provided a car insurance and they have provided me a better offer with the better quotation including the bumper to bumper offer so that i took the same and till now i never spoke with the customer care also. I have not approached for them for any claim. They have offered me a coverage value of Rs. 3.5L. I have renewed the policy in online.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 21, 2020
  • United India Car Insurance
    "Service is good"
    0.5 4.0/5 "Great!"
    Took my car insurance from United India based on the agent suggestion. I pay the premium amount of Rs. 3600 its because of the no claim bonus and some extra discounts. I have not applied any claim till now. From 7 years, i have been renewing the policy with the same company. They will give reminder call and I'm getting SMS from United India before the policy expiry.
    Was this review helpful? 1
    , jaipur
    Reviewed on Jan 16, 2020
  • New India Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from New India since its a government sector company and i have a known person over there. There is no cashless claim i had because there is a delay in that and it takes almost 1 week. They are giving claim upto 70% since my vehicle is old one. I pay the premium amount of Rs. 12500 on every year. They said they are providing a road side assistance and no claim bonus facility.
    Was this review helpful? 2
    , coimbatore
    Reviewed on Jan 16, 2020
  • Liberty Car Insurance
    "Wrost service ever "
    0.5 1.0/5 "Really Bad"
    My car in total loss and they have reject my claim. 2 months they have investigate case and after they reject. they says your car is sold by you . i am saying i have not sold and i have proof but they dont want to listen us. never buy from liberty insurance.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Jan 13, 2020
  • Iffco Tokio Car Insurance
    "Good Insurance Policy"
    0.5 4.0/5 "Great!"
    I have a zero claim experience for my car insurance from Iffco Tokio. Actually my friend has suggested me to take the car insurance from Iffco Tokio because he is working as a agent over there. I have paid the premium amount of Rs. 8000 for that they are providing the coverage value of Rs. 2.75 lakhs. I have no idea about the road side assistance and no claim bonus.
    Was this review helpful? 1
    , vapi
    Reviewed on Jan 06, 2020
  • New India Car Insurance
    "Good Insurance company"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India Assurance. When i purchased the car from the showroom that time they have provided this insurance which i'm continuing. Till now i didn't claimed anything and i have no idea about the coverage value. They are giving good customer support and wish to continue the same.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 06, 2020
  • Reliance General Car Insurance
    "good service"
    0.5 5.0/5 "Blown Away!"
    I have chosen Reliance insurance as my friend is a franchise. I have taken a third party car insurance from them. I pay the premium of Rs.3000 on yearly basis. Even though it is a third party insurance, I can get upto 15lakhs. I will not get notification for renewal. I pay the premiumthrough online or directly to them.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 27, 2019
  • Reliance General Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from RELIANCE GENERAL INSURANCE. It has some good benefits and the premium is low. I pay Rs.7,000 on yearly basis and also as no claim bonus options. It also includes garage benefits. I have no claim experience yet. I will get notification regarding the insurance from car showroom not from the insurance provided. I pay through online or cheque.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 22, 2019
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from Reliance. Because their office near by my work place, so that its easy to renew the policy. They have provided me IDV value of Rs. 4.50 lakhs and the provided premium amount was Rs. 9,500. This is a third party insurance. I have not applied for any claim till now. I have got the no claim bonus of 30%.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2019
  • Shriram Car Insurance
    "Good Plan"
    0.5 5.0/5 "Blown Away!"
    1 month ago, i have purchased the car insurance policy from Shriram General Insurance. Since the premium amount was less, i have chosen the same. They have given me a documents on the same day. I have not got any no claim bonus. I have paid the premium amount of Rs. 19000. Its a third party cover policy.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 20, 2019
  • Iffco Tokio Car Insurance
    "Good Claim experience"
    0.5 4.0/5 "Great!"
    Earlier i had a car insurance with Iffco Tokio and had a claim experience. Since the premium amount is high and the IDV value is less hence i have changed the policy by next year. They have processed the claim in one week. They have cover upto 100% and i have paid only Rs. 500. I have paid the premium amount of Rs. 50000 for the coverage amount of Rs. 7.40 lakhs.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Bajaj Allianz Car Insurance
    "Easy policy to take"
    0.5 4.0/5 "Great!"
    From Bajaj Allianz, i have chosen the car insurance policy. Its easy to claim hence my friend had recommended me about this policy. I have paid the premium amount of Rs. 30000. They are giving a IDV value of Rs. 6.90 lakhs. Its a zero depreciation policy. I do not have any claim experience as of now.
    Was this review helpful? 1
    , chennai
    Reviewed on Dec 18, 2019
  • Oriental Insurance Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    Chosen my car insurance from Oriental because their office is located next to my office. I had a claim experience once and it was very good. They have provided the claim immediately as per the spot instruction. They provided me a 100% since its a zero depreciation policy. I used to visit their branch to renew the policy.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Dec 17, 2019
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