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

    • Four-wheeler insurance - 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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