• Bharti AXA Two Wheeler Insurance

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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

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    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

    01
    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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    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.

    Bharti AXA Two Wheeler Insurance Premium Calculator

    The premium value of your two-wheeler insurance can be evaluated by using the Bike Insurance Premium Calculator. The premium calculator estimates the premium by taking into consideration your requirements, your risk profile, and type of insurance that you need. You may be needed to enter vehicle details such as the brand and model of your bike, age of the vehicle, the registration zone, cubic capacity of the vehicle, the IDV of the vehicle, and some personal details to calculate the premium.

    Bharti AXA Life Customer Care Contact Number (Toll Free)

    Insurance seekers may avail on-call assistance related to any issues or concerns related with purchase, renewal, claim settlement, and more by calling on the phone number mentioned-below from Monday to Saturday between 9 a.m. and 7 p.m.: 1800 - 102 – 4444

    You may also request a call back by filling in your basic contact details on the ‘Contact Us’ page. The nearest branch office can be located by entering your city and state under the ‘Locate Us’ form.

    Bharti AXA SMS Service

    For specific information related to your policy or to request a call back from Bharti AXA customer care team, you may send SMS codes to 56677. To know important codes, type ‘HLP’ and send it to 56677.

    Bharti AXA Life Customer Care Email Address

    To get detailed information on the insurance products offered by Bharti AXA or to get assistance with any queries or concerns related to purchase, renewal, and more, you may send an email at: service@bharti-axalife.com

    Visit The Nearest Bharti Axa Life Branch

    You may locate your nearest Bharti AXA branch office through the branch locater on the website and personally visit the office to get your issues resolved.

    Registered office:

    Bharti AXA Life Insurance Company Limited

    Unit No. 601 & 602, 6th floor, Raheja Titanium,

    Off Western Express Highway, Goregaon (E)

    Grievance Redressal Cell:

    Bharti AXA Life Insurance Company Limited

    Near Sai Service, Western Express Highway

    Andheri (East) Mumbai 400069

    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.

      25 November 2016

    Bharti AXA Two Wheeler Insurance Reviews

  • Page 1 of 3 1 2 3
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with Bharti Axa from last 1 year, i am happy with the coverage value of this insurance policy. A premium of Rs 1300 has to be paid every year for this insurance policy. I have not claimed anything so far from this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 29, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with Bharti Axa general insurance from last 6 months, i am happy with the coverage value of this insurance policy. I do not have claim experience so far with this insurance policy and i pay a premium of Rs 1300 every year.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 08, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have recently taken a two wheeler insurance with Bharti Axa general insurance 6 months back. The coverage value of this insurance policy is 50% which is satisfactory. I have not claimed anything so far from this insurance and i pay a premium of Rs 1100 for this insurance policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "better experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a two wheeler insurance policy for my vehicle from the top most insurance company BHARTI AXA GENERAL INSURANCE. I didn't received my policy document. The customer support is not up to mark. My annual premium is very reasonable by comparing with other premiums.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Average service"
      0.5 2.0/5 "Expected more"
      I insured my two wheeler from the BHARTI AXA GENERAL INSURANCE company around 6 years ago. The customer support service is not up to the mark with the Bharti axa because they don't give proper response, I had bad experience with the two wheeler insurance claim from the BHARTI AXA GENERAL INSURANCE company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 10, 2018
    • Bharti Axa Two Wheeler Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my two wheeler insured with Bharti Axa general insurance from last 1 year, i do not have any claim experience so far with this insurance and the coverage value of this insurance is very good. The premium of this insurance policy is Rs 1200 and it is a good policy to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 09, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a Two Wheeler Insurance from BHARTI AXA GENERAL INSURANCE. The premium was 2000 yearly. In case of any accident we can claim up to 75000 of the IDV value. And the first party and the third party will be covered for the accident with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 22, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have taken a two wheeler insurance with Bharti Axa general insurance from last 1 year. I pay a premium of Rs 1200 which has to be paid every year for this insurance policy. I do not have claim experience so far with this insurance and i am happy with the coverage of this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a CBZ Extreme bike and it was insured with Bharati Axa. I am using the service for last 3 years. It was taken through online. I have paid 1400 rupees for a year. They used to send the reminder emails at the time of renewal. I make the payment through net banking.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • Bharti Axa Two Wheeler Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      At the time of activating my two wheeler policy, I got my hard and soft copy on time and the premium was also economical. I have insured TVS Scooty, they do have third party, road side assistance, accidental cover with cashless service for the bike.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 01, 2018
    • Bharti Axa Two Wheeler Insurance
      "an affordable two wheeler insurance"
      0.5 5.0/5 "Blown Away!"
      I had a two wheeler insurance policy from the insurer BHARTI AXA GENERAL INSURANCE. I appreciate their customer care services because they intimates me to renew my two wheeler insurance before due date. The service is good and i can recommend their services to my friends.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 03, 2018
    • Bharti Axa Two Wheeler Insurance
      "Happy service"
      0.5 4.0/5 "Great!"
      My two wheeler insurance was taken with Bharati Axa. They are good in claim process and offered a low premium. The policy coverage was better than others. I am using this insurance since 2 years. I am paying 1200 rupees yearly through net banking. They send the statements on time.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 02, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      I hold a two wheeler insurance with Bharti Axa General Insurance from last 7-8 months and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 1300 for this insurance. I get a coverage of 40% in case of accidental damage which is very less when compared to other insurance policies.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 01, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance with Bharti Axa General Insurance from last 1 year and it is a good insurance policy to use. This policy has to be renewed every year and the premium amount is nominal. I do not have claim experience so far with this insurance but i am satisfied with the coverage and benefits of this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • Bharti Axa Two Wheeler Insurance
      "Need to explore"
      0.5 2.5/5 "Just OK"
      I have two wheeler insurance policy with the Bharti axa general insurance company. Coverage value is accepted by my end and I have not faced any claims with them till now. Coverage value inclusive of the third party coverage and other aspects too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 10, 2018
    • Bharti Axa Two Wheeler Insurance
      "Worst Insurance Company"
      0.5 0.5/5 "Unacceptable"
      This is worst company which I even Seen. I have renewed my policy 10days prior to expiry date but they could not able to provide at leas soft copy before going to expire my policy. So, my sincere suggestion is never buy a policy from this insurer. This is not first time this happened consecutively three times. Waste and worst company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 16, 2017
    • 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
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