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

     4.0 / 5.0   by 33 users
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    Plan Benefits

    Policy Coverage

    Customer Service

    Claim Experience

    Bharti AXA General Insurance Company Limited is a leader in providing financial protection. In 2009, the organization received dual certifications of ISO. Bharti AXA is a joint venture of Bharti Enterprises and AXA Group, with 74% and 26% stake, respectively.


    Key Benefits Of Bharti Axa Two Wheeler Insurance

    01
    02
    03
    Cashless Claim Networks

    Cashless Claim Networks

    Cashless claim service is available at authorised network garages across India

    Accidental Cover

    Accidental Cover

    Policyholders can get a cover of up to Rs. 1 lakh as personal accident coverage

    Online Renewal

    Online Renewal

    When the policy is about to expire, policyholders can renew it online


    Add-on Covers For Bharti Axa Two Wheeler Insurance

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    Third Party Cover

    Third Party Cover

    The maximum cover for third-party property damage will be Rs. 1,00,000 in the case of two-wheelers.


    Inclusions And Exclusions In Bharti Axa Two Wheeler Insurance

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    02
    Inclusion

    Inclusion

    Loss or damage to the insured vehicle due to fire / earthquake / flood / cyclone

    Exclusion

    Exclusion

    Damage by a person driving under the influence of liquor / alcohol / drugs


    One of the leading insurance companies present today, Bharti AXA provides comprehensive products with innovative solutions tailored for the changing needs of their customers. Two wheelers are considered to be the best mode of transport in busy cities. Apart from helping you beat the traffic during rush hours, they are also cost-effective as they provide you great mileage. But life is full of unprecedented events and you should be ready to deal with them at all times. It is important that you insure your two wheeler to not only provide coverage for your vehicle and yourself in the future, but also to take care of third party liabilities.

    Features and Benefits of Bharti AXA Two Wheeler Insurance

    Basic Cover
    • The insurance policy protects your vehicle by providing cover in an event of theft, robbery, accident, fire, etc.
    • Bharti AXA two wheeler insurance plan takes care of all third party liabilities in case of injury to third party or damage to third party property.
    • In the event of permanent disability or death of the driver of the 2 wheeler in an accident, insurance cover provided can go up to an amount of 1 lakh INR.
    Basic Cover + Personal Accident cover for passengers

    This particular insurance policy comes with all the features and benefits of a basic cover and also provides personal accident cover for the co-passenger. The insurance amount can go up to 1 lakh INR.

    Inclusions

    Bharti Axa Two Wheeler Insurance Coverage
    • Damages or Loss to the insured vehicle due to accidents, terrorist attacks, strikes, riots, earthquakes, fire, flood, cyclones, etc. Accidental damages caused to the vehicle while in transit are also covered.
    • Compensation is provided to third party in case of bodily injuries. Property damage liability takes care of all damages caused to the third party.
    • The owner or driver of the insured vehicle is protected under the personal accident cover offered by the insurance policy

    Exclusions in Bharti AXA Bike Insurance

    • Mechanical or electrical breakdown
    • General wear and tear caused to the vehicle over time
    • Damage or loss incurred due to depreciation of the insured vehicle
    • Damages caused due to driving under intoxication
    • Any loss caused due to nuclear risks
    • Loss or damage incurred outside the country
    • Damage caused by a rider without a valid driving license
    • Vehicle being used beyond restrictions
    • Claims arising due to contractual liability

    Claim Process

    Intimate your claim – You need to call up the customer service department for the intimation of your claim. Details that you need to provide during the process are Policy number, date and time of loss, location of loss, your contact number along with extent and nature of loss and injury. The claim form is available online and can be downloaded and filled for making a claim.

    Send your vehicle for repair – After you find a suitable workshop for the repair of your vehicle, you need to go there with specific documents. You must duly fill in the claim form and sign it. Self-attested photocopies of R/C Book and driving license are also required. You must carry the originals for proof and verification. FIR must be produced in case of damage, theft or third party injury.

    Claim Settlement – You can send your vehicle to Bharti AXA’s cashless network garages for repair. Spot approval for the claim will be given after the inspection of the vehicle has been done by the surveyor. The claim amount is released by the insurer only after all the estimated repair work has been completed.

    Documents Required for Claim Settlement in Bharti AXA Two Wheeler Insurance:

    For cashless claim, the following documents are required:

    • Claim form which is signed by the policyholder and filled in completely.
    • The original R/C Book for verification and a self-attested photocopy of the same.
    • FIR/ Charge sheet in case of a major damage or third party property damage/ theft of vehicle/ third party injury / damage due to riot, death, strike, or a malicious act.
    • The original driver’s license for verification and a self-attested photocopy of the same.
    • Satisfaction letter if you would like to avail cashless facility at Bharti AXA’s preferred garages. If you are a firm/corporate, then the company's rubber stamp/seal needs to be on the letter.
    • Additional documents may be required on a case to case basis.

    Bharti AXA 2 Wheeler Insurance Renewal Online

    In order to enjoy the benefits of your two wheeler insurance, it is a must that you renew your two wheeler insurance before time runs out. With the advancement in technology, things are much easier now. The online portal of Bharti AXA not only allows you to renew your two wheeler insurance plan, but it is a quick and hassle-free process. When time is a real constraint, a feature like this ought to be beneficial for the customers. All you need to do is go to the Bharti AXA online portal and enter your policy number along with the expiry date of the policy, under the two wheeler insurance tab. Other information that you will need to provide during this process includes your name, registered email id, mobile phone number, and date of registration.

    Long Term Two Wheeler Insurance Policy:

    Bharti AXA has introduced a long term two wheeler insurance policy that provides you insurance with extended policy terms of two or three years. Equipped with this insurance, you need not undergo the hassle of policy renewal in the interim.

    Characteristics of the long-term policy are detailed below:

    • The policy makes you immune to the changes in premium rates that take effect on a yearly basis. Hence, you can benefit from significant savings in the long run.
    • Like an annual insurance policy, this insurance also provides you a No Claim Bonus (NCB) for observing claim-free years.
    • In the event of a claim, this policy does not slash your NCB to nil. Instead, the NCB slab just reduces to the previous value.
    • This policy promises you more savings on premium, as you will be eligible for discounts of 10% and 20% for policies with tenures of 2 and 3 years, respectively.

    Frequently Asked Questions

    Is FIR required while claiming insurance in case of theft of my two wheeler?

    Yes, an FIR report is required while claiming insurance, in case your two wheeler has been stolen.

    If my vehicle is damaged due to nuclear attack, can I claim insurance?

    No, your vehicle is not covered against nuclear attacks under the insurance policy.

    Where can I find the Bharti AXA claim form?

    The claim form is available online and you can fill it up by downloading it while making claims.

    What happens when I sell my two wheeler?

    Your Bharti AXA vehicle insurance can be transferred in the name of the buyer. The buyer must apply for transfer of insurance with Bharti AXA.

    Does the policy take care of third party liabilities?

    Yes, the Bharti AXA two wheeler insurance policy takes care of all third party liabilities arising in an event of an accident.

    How do you determine the Insured Declared Value (IDV) of the vehicle?

    At the commencement of the policy, the initial IDV of the vehicle is based on the selling price as per the manufacturer’s listing. The schedule of depreciation as time progresses is detailed in the table below:

    Vehicle's age % Depreciation that determines the IDV
    Below 6 months 5%
    Between 6 months and 1 year 15%
    Between 1 year and 2 years 20%
    Between 2 years and 3 years 30%
    Between 3 years and 4 years 40%
    Between 4 years and 5 years 50%

    What is meant by break-in-insurance?

    Break-in-insurance refers to the situation where the policy expires as it was not renewed on time. The law mandates that every vehicle on the road is protected by at least a minimal insurance. In case your policy has lapsed, you should get in touch with the insurer to renew it at the earliest possible time. If you renew the policy within 90 days from the date of expiry, you will be able to retain your No Claim Bonus.

    Will my unused premium be refunded?

    If you happen to cancel your policy, you can request for the refund of the unused premium. It is at the discretion of the insurer to provide you the refund, and it will be on a short rate period.

    News About Bharti AXA Two Wheeler Insurance

    • Long-Term Two Wheeler Insurance Made Available by Bharti AXA General Insurance

      Last week, Bharti AXA General Insurance released a long-term two wheeler insurance policy in an effort to enhance convenience for customers. General insurers such as Bajaj Allianz General, HDFC Ergo and ICICI Lombard have already made available insurance policies that require no renewal for three years.

      Bharti AXA General revealed that its decision to release such a policy came after a poll in which over 80% of the respondents said that they prefer a long-term policy which did not have to be renewed on a frequent basis. The key feature of this policy is that the annual rate hike announced by IRDAI every April will have no bearing on it.

      25th November 2016

    Bharti AXA Two Wheeler Insurance Reviews

  • Page 1 of 2 1 2
    • Bharti Axa Two Wheeler Insurance
      "Not that great Insurance"
      0.5 3.5/5 "Pretty good"
      This was my First 2 Wheeler Insurance and I paid Rs.1500 as the premium for the insurance. They gave me coverage for one side only. They would cover up to 50% of the total Bill and the rest half would be paid by us. It's not that great an Insurance that I had.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 28, 2017
    • Bharti Axa Two Wheeler Insurance
      "Good policy to hold"
      0.5 4.5/5 "Excellent!"
      I have a two wheeler insurance with BHARTI AXA GENERAL INSURANCE. I have been using this two wheeler insurance for almost 4 years and renewing it regularly without any fail. Annually I pay Rs. 1000 . Till now I didn't have any claim experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2017
    • Bharti Axa Two Wheeler Insurance
      "BHARTI AXA Two Wheeler Insurance"
      0.5 4.0/5 "Great!"
      I have taken a Two Wheeler Insurance from BHARTI AXA GENERAL INSURANCE. The premium amount is 3000 yearly. if we want to renew the policy then we have to make the payment yearly. The customer service and the experience with the insurance company was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having two wheeler, which got insured with the Bharti Axa general insurance company and I have faced any claims with them, also they have given around 8000 Rupees as reimbursement for my claim benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 08, 2017
    • Bharti Axa Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      My two wheeler insurance is just started with Bharati Axa. Customer service was not yet experienced. The documentation process is simple. I didn't pay anything for this insurance all was taken care by the showroom. It is a good insurance company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 04, 2017
    • Bharti Axa Two Wheeler Insurance
      "Better"
      0.5 3.0/5 "Satisfactory"
      I am having the two wheeler insurance policy with the Bharti Axa general insurance company and I have not faced any claims with them till now. Customer service was also not yet experienced with the Bharti Axa general insurance company.
      Was this review helpful? 0
      , gulbarga
      Reviewed on Oct 24, 2017
    • Bharti Axa Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have my two wheeler insurance with BHARTI AXA GENERAL INSURANCE. I have this insurance for the past 2 years and I renew it regularly. Basically I did not had a requirement earlier to use the services till now. I pay premium Rs. 1600 annually. It's good renowned company.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 09, 2017
    • Bharti Axa Two Wheeler Insurance
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      Last year I paid Rs.2000 for the tenure one year for two wheeler insurance with Bharthi AXA. I am holding this policy from last year, its gives the coverage value of 100%. I purchased Royal enfield worth Rs. 1.05 lakhs. Its a good policy to avail.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 27, 2017
    • Bharti Axa Two Wheeler Insurance
      "Better policy to use"
      0.5 3.0/5 "Satisfactory"
      Bharathi AXA two Wheeler insurance is good. I don't have any claim experience with Bharathi axa till date. I got Pulsar 150 motor bike. I had to pay rs 110 to renew this policy and I had been renewing this policy for the past 2 years, Policy coverage is good with Bharthi axa also the plan benefits are very much average. Also I do get reminders from them to renew this policy. I would definitely say that I am happy holding this policy of Bharthi axa
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jun 01, 2017
    • Bharti Axa Two Wheeler Insurance
      "End to End coverage for my vehicle"
      0.5 5.0/5 "Blown Away!"
      I have insured my two wheeler with the Bharti Axa general insurance company and the coverage value is lesser one, also the premium too because its very old vehicle. Drawbacks are nil with the nil and they are working according to standards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 15, 2017
    • Bharti Axa Two Wheeler Insurance
      "May be a good deal for the customer"
      0.5 4.0/5 "Great!"
      I am having two wheeler insurance policy with Bharti Axa general insurance company and I have gone up with them because of their deal and the better services.Premium is low enough to provide every coverage what existing one has. Its the bumper to bumper insurance company.
      Was this review helpful? 2
      , chennai
      Reviewed on Mar 18, 2017
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Two wheeler insurance is very good with BHARTI AXA I did not face any problem till date. Last 5 years I am holding this insurance,I don't have much idea because I have not faced any issues yet. Yearly premium I pay is 840/-Initially it was 1300/-
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 11, 2017
    • Bharti Axa Two Wheeler Insurance
      "Two wheeler ka bap"
      0.5 4.5/5 "Excellent!"
      I had taken two wheeler insurance from Bharti Axa. All the process, I did through the online and I got the policy. I use to pay Rs.2,000 per annul with policy coverage of 35,000 to 45,000 from the vehicle WDV. Its very useful insurance for the two wheeler.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 22, 2016
    • Bharti Axa Two Wheeler Insurance
      "Good insurance for the two wheeler"
      0.5 4.0/5 "Great!"
      I had taken two wheeler insurance from Bharti Axa. All the process, I did through the online and I got the policy. I used to pay Rs.12,000 its per annum with policy coverage of 45,000 to 55,000 from the vehicle value. It is the useful insurance for the two wheeler.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 20, 2016
    • Bharti Axa Two Wheeler Insurance
      "A Worst Insurance Company - Honest in Robbery"
      0.5 0.5/5 "Unacceptable"
      I had taken two wheeler policy with Bharti Axa. My experience with Bharti Axa is extremely bad even the word (Bad) is not sufficient to explain their poor service. My two wheeler has been stolen and I approached them and every time, they assure me that you will get your claim within 7 working days but still I did not get my claim. It's been 4 months and still they are saying that your claim is in process. What's the difference between between robber and them.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 09, 2016
    • Bharti Axa Two Wheeler Insurance
      "2-wheeler insurance"
      0.5 4.0/5 "Great!"
      I have taken a Two wheeler insurance from Bharti AXA online. I have given around 1200 for 1 year on 3+ year old Activa with IDV value higher than the normal. They have nice customer support and its easy to take the insurance online. I have taken comprehensive plan which covers third party and personal cover.
      Was this review helpful? 5
      , hyderabad
      Reviewed on Aug 16, 2016
    • Bharti Axa Two Wheeler Insurance
      "So far so good"
      0.5 3.0/5 "Satisfactory"
      I have taken a Two wheeler insurance from Bharti AXA while buying a two wheeler and this was taken as per the tie up of the dealer with them. The first year amount was paid by the dealer as I made the payment to them. From second year I will be paying around Rs.1600 every year through online payments.
      Was this review helpful? 4
      , bangalore
      Reviewed on Apr 08, 2016
    • Bharti Axa Two Wheeler Insurance
      "Best one"
      0.5 4.0/5 "Great!"
      I insured my two wheeler with the Bharti axa general insurance company and I have got this policy through online. I am paying around 1000 Rupees as the premium, also they estimated my insured value of vehicle is around 49000 Rupees.
      Was this review helpful? 3
      , new delhi
      Reviewed on Mar 25, 2016
    • Bharti Axa Two Wheeler Insurance
      "Very good...."
      0.5 4.0/5 "Great!"
      I have two vehicle and for that I have taken the two wheeler insurance with the same Bharti Axa general insurance. Owner and third party is covered. For one vehicle the IDV value is 45 thousand and another vehicle it is 38k. Depreciation value is high and that is almost equivalent to the cost of vehicle.
      Was this review helpful? 5
      , thane
      Reviewed on Mar 15, 2016
    • Bharti Axa Two Wheeler Insurance
      "Insurance policy is good..."
      0.5 4.0/5 "Great!"
      I have not compared too much as took the two wheeler Insurance via online. As the service is too good so I opted this Bharti Axa General Insurance. One concern about them is they don't have self management portal as we could not mange our policy by our self. Post sending three to four mails to higher management, I got the insurance copies.
      Was this review helpful? 3
      , bangalore
      Reviewed on Mar 12, 2016
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