Bharti AXA Car Insurance Renewal

• Get quotes from multiple insurers
• Choose from a variety of zero depreciation and roadside assistance covers
• 3100+ cashless garages

Bharti AXA General Insurance Co. Ltd. is a joint venture between AXA and Bharti Enterprises. It commenced its operations in August 2008 and is one of the leading general insurance service providers in the country. The firm offers their best services via 87 branch offices situated across India.

Bharti AXA Car Insurance Renewal Premium Calculator

Premium Calculator is an inbuilt tool found in third-party and primary insurance websites which is used to calculate and quote the insurance premium to be paid based on a number of parameters. This is a useful instrument for those who buy/renew insurance online. Knowing your insurance premium before-hand helps you decide which insurer to renew your insurance from.

Bharti AXA‘s premium calculator can be used to calculate and quote the insurance premium to renew Bharti-AXA insurance policy or renew other insurance company policy. The parameters used to calculate the insurance premium for each scenario are different. The parameters for each case are as follows:

• To renew Bharti-AXA policy
  • Previous policy number
  • Policy expiry date
• To renew other insurance company policy
  • Vehicle registration number
  • Claim in previous policy - Yes/No
  • Policy expiry date
  • Email id
  • Mobile number
  • Previous number of No Claim Bonuses (%)

Once your have provided genuine information for the parameters in either case, you have to click on ‘Proceed’ and the premium calculator will calculate and quote your insurance premium.

Bharti AXA Car Insurance Renewal Procedure

You can renew your car insurance online, offline or via customer care as explained below:

• Online Renewal:

You can renew your existing Bharti AXA insurance policy or an insurance policy from another insurer by visiting the primary or third-party insurance websites. When it comes to online insurance policy renewal, premium calculator plays a major role. Premium calculator will quote your estimated insurance premium, based on which you can decide whether or not to renew your insurance policy from the respective insurer. Renewing your car insurance online saves you time and is hassle-free.

• Offline Renewal:

If renewing online isn’t an option for you, you can adopt a more contemporary approach and renew your insurance policy offline by visiting the nearest Bharti AXA branch office or meeting with an insurance agent. Unlike the online renewal process, here, you will have to submit hard-copies of all the necessary documents in order to renew your car insurance policy.

Renewal via Customer Care:

There is also the option of renewing your car insurance by getting in touch with the customer care team of Bharti AXA. The customer care number for the renewal mentioned in the official website is: 1800-103-2292.

Bharti AXA Car Insurance Renewal Key Features and Benefits:

• Covers third-party as well as own damage liabilities
• A number of discounts on insurance premiums offered
• Optional add-on covers
• Offers financial assistance in case your car is stolen or damaged
• 24X7 customer support
• Paperless documentation
• Quick and hassle-free claim settlement process
• Facility of No-Claim Bonus
• More than 2500 network garages for cashless claim settlement
• Instant policy issuance

Bharti AXA Car Insurance Claim Process

In case of a mishap, you can raise either a cashless claim or reimbursement claim request. The claim settlement process for each varies.

• Cashless Claim Process:

The following steps are involved in a cashless claim process:

1. Get in touch with bharti AXA as soon as the mishap takes place via their customer care toll-free number: 080-49123900 or email them at claims@bharti-axagi.co.in to register your claim request. By either means, your claim will be registered with Bharti AXA and will be provided with a claim registration number for your future reference.
2. Lodge an FIR at the nearest police station and collect a copy of the same.
3. Either take your car or get your car towed to the nearest cashless garage for repairs. You need to carry the original duly signed claim form, your car’s RC book, copy of the FIR filed by you and your KYC documents to the garage.
4. An authorised surveyor will be sent to the garage to inspect your car. Submit the above mentioned documents to the surveyor.
5. Once your documents have been reviewed and approved, the garage will be requested to work on your car.
6. After your vehicle gets repaired, the surveyor will revisit the garage to inspect the vehicle.
7. After the inspection, your car will be delivered and the bills for your car repairs will be settled by the insurer directly with the garage.

• Reimbursement Claim Process The following steps are involved in a reimbursement claim process:

1. Get in touch with bharti AXA as soon as the mishap takes place via their customer care toll-free number: 080-49123900 or email them at claims@bharti-axagi.co.in to register your claim request. By either means, your claim will be registered with Bharti AXA and will be provided with a claim registration number for your future reference.
2. Lodge an FIR at the nearest police station and collect a copy of the same.
3. Either take your car or get your car towed to the nearest garage for repairs. You need to carry the original duly signed claim form, your car’s RC book, copy of the FIR filed by you, a cancelled cheque and your KYC documents to the garage.
4. An authorised surveyor will be sent to the garage to inspect your car. Submit the above mentioned documents to the surveyor.
5. Once your documents have been reviewed and approved, the garage will be requested to work on your car.
6. After your vehicle gets repaired, the surveyor will revisit the garage to inspect your repaired car.
7. You need to settle the car repair bills from your own pocket and collect the payment invoice as well as the original bills.
8. Submit the invoice and original bills to the insurer to claim the reimbursement for the amount you spent on your car’s repair.

Bharti AXA Car Insurance FAQs:

1. How does your geographical location affect your car insurance premium?

   Geographical location, based on its cost of living and risk factor, can have an impact on your car insurance premium. The higher a place’s cost of living, higher will be your insurance premium and vice-versa. Also, some places will exhibit a high risk factor due to the high number of accidents, riots, natural calamities, etc. happening. In such cases, higher the risk factor, higher will be your insurance premium and vice-versa.

2. What is a deductible? What are the different kinds of voluntary deductibles available?

   A deductible is a part of the insured amount that is paid by you instead of the insurer. There are 2 kinds of deductibles in car insurance:

• Compulsory Deductible:

This is a fixed part of the claim amount that should be covered by you at the time of claim settlement.

• Voluntary Deductible:

This deductible is not mandatory and if you opt for this deductible, you are agreeing to pay a part of the claim amount at the time of claim settlement. You can decide the amount for voluntary deductible.

3. Can the No Claim Bonuses (NCBs) accumulated under my previous vehicle be transferred to my new vehicle?

   Yes, you can transfer the accumulated NCBs provided you obtain a No Claim Bonus certificate from the insurer of your previous car and get the NCBs transferred to your new car within three years of your previous vehicle’s sale.

4. What happens to my vehicle insurance if I sell my car?

   After you sell your car, you have the option of either transferring your insurance from your name to the name of the buyer or surrendering your insurance policy for good.

5. What is total loss?

   Total loss is when your vehicle has undergone severe damages that are beyond repair.