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.
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:
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.
You can renew your car insurance online, offline or via customer care as explained below:
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.
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.
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.
In case of a mishap, you can raise either a cashless claim or reimbursement claim request. The claim settlement process for each varies.
The following steps are involved in a cashless claim process:
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.
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:
This is a fixed part of the claim amount that should be covered by you at the time of claim settlement.
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.
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.
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.
Total loss is when your vehicle has undergone severe damages that are beyond repair.