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  • Bharti Axa Car Insurance

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

    A leading provider of insurance services, Bharti AXA General Insurance Company Ltd is a joint venture between the business group Bharti Enterprises and financial service provider AXA. The company launched national operations in 2008 and now has 87 branches across the country. Bharti AXA car insurance is one of the insurance products provided by the company.

    Car Insurance Online from Bharti AXA

    Third Party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 2,500+
    Incurred Claim Ratio 2016-17 89.09%
    Net Earned Premium Rs.1003.9
    Covers Provided
    • Hydrostatic lock cover
    • Depreciation cover
    • No claim bonus
    • Invoice price cover
    • Ambulance cover
    • Engine & gearbox cover
    • Hospital cash
    • Consumables cover
    • Medical expenses
    • Key replacement cover
    • Roadside cover
    • Hydrostatic lock cover
    Features
    • Instantaneous purchase
    • Paperless
    • Good add on covers
    • User -friendly interface
    Inclusions
    • Personal accident cover
    • Third party bodily injury liability
    • Property damage liability
    • Loss or damage due to accidents, riots, fire, natural calamities
    Exclusions  
    • Loss due to wear & tear
    • Damage due to general ageing of the car
    • Nuclear risks
    • Driving under the influence of alcohol or illegal substances
    •  

     

    Features and Benefits

    • Instantaneous policy approval- It an easy, quick and a hassle free process to obtain a car insurance policy from Bharti Axa. All you need to do is fill in the essential details online and the policy document will be sent to you.
    • Paperless transactions- Whether it is applying for a policy, renewing it or applying for a claim, there is no need to fuss over paperwork. All transactions can be done at the click of a mouse.
    • User-friendly interface- The website is user-friendly making it simple, easy and convenient to work with.
    • Wide range of add-ons- Bharti Axa offers an interesting and wide range of cover options such as providing daily cash at the time of hospitalizations, ambulance cost cover etc.

    Easy Steps To Apply for Bharti Axa Car Insurance Online

    • First, log on to the Bharti Axa website and choose the car insurance option. This will take you to the car insurance main page.
    • Once you get to the main car insurance page you can choose to apply for a new policy.
    • The next step is to provide your personal details and vehicle details to get an insurance quote.
    • If you are happy with the quote, you can choose to make a purchase immediately and the policy will be sent to you soon.

    Why choose Bharti Axa car insurance?

    24/7 customer service
    Additional covers
    Paperless transactions
    Easy & fast claim settlement
    Instantaneous policy
    User friendly, digital transactions
    Reliable
    Good plans

    Add-on covers on Bharti Axa car insurance

    • Depreciation cover- This cover is recommended for cars that are older than 5 years and Bharti Axa guarantees a 100% cover for losses that may be incurred due to depreciation. A policyholder is eligible to make two claims in a year under this option.
    • Hydrostatic lock cover - This will cover repair or replacement costs to engine parts due to rains or floods. The add on will take care of the cost of replacement within 15 days of the date of damage. This is recommended for those who live in flood prone areas or areas that receive abundant and heavy rainfall.
    • No claim bonus-Policyholders will be eligible for a 50% discount on renewal of premium if they have made no claims during their claim year. The bonus amount will still be provided after making 2 claims.
    • Roadside assistance- The key features that this add on cover provides include roadside repair during minor breakdowns, changing of tyres, replacement of lost car key, emergency fuel services and towing facilities.
    • Invoice price cover- An important cover feature, this will make policyholders eligible for the actual invoice price amount along with insurance, registration fees and road tax. This add-on is applicable for a car that is at least 2 years old from the date of obtaining the policy.
    • Personal accident insurance-Usually, standard car insurance policies only offer cover to policyholders and at the most to drivers. This add-on option offers insurance cover for other passengers in the event of an unfortunate event. Fellow passengers will be eligible for a cover of of at least Rs.1 lakh.
    • Key replacement- Covers the cost of making a new key, cost of replacement of locks in case the keys are lost or stolen. Two claims can be made during a policy year and each claim can cost a minimum of Rs.25,000.
    • Medical expenses- A sum of upto Rs.10,000 will be assured at the time of an accident to the policyholder and passengers.
    • Hospital cash- An exclusive add-on feature, this gives policyholders the benefits of availing cash on a daily basis at the time of hospitalization. This facility will be provided to the insured party during the entire tenure of hospitalization.
    • Consumables cover- Generally, if any damage is caused to consumables like bolts, nuts etc, it will not be paid for under a standard insurance policy. However, with this add-on you can get your car parts replaced and the costs will be reimbursed within three days from the date of damage.
    • Ambulance charges cover-The ambulance cost that will be incurred for transportation at the time of an accident will be covered under this exclusive add-on.
    • Engine and gearbox cover-Instead of paying a heavy repair bill, if you opt for this cover it will take care of costs that you will incur if the car breaks down and if any damage is caused to internal parts like the engine or gearbox.

    Inclusion & Exclusion on Bharti Axa car insurance

    Inclusions Exclusions
    Damages due to accidents, theft, riots, fire, natural calamities, transit by road, rail,inland waterways, air or lift Gradual wear and tear over time
    Personal accident cover for driver/owner Loss due to electrical/mechanical failure
    Third party liability Nuclear risks
    Property damage liability Driving without driving license
      Driving under the influence of alcohol
      Driving outside India

    Insured Declared Value - Bharti AXA Car Insurance

    Depending of the selling price of the car manufacturer and the age of the vehicle, the following IDV rates are arrived at:

    • Up to 6 months - 5%
    • 6 months to 1 year - 15%
    • 1. - 2 years- 20%
    • 2 - 3 years - 30%
    • 3 - 4 years - 40%
    • 4 - 5 years - 50%

    Bharti Axa car insurance Cashless Garages

    Bharti Axa has a good and reliable network of cashless garages across the country. At present there are over 2,500 network garages that provide high quality, hassle free and convenient services to policyholders. To know more information about the list of garages available in your locality or city, log on to the Bharti Axa website and refer to the exhaustive list.

    Claim Process for Bharti Axa car insurance

    The process to initiate a claim is simple and easy. In order to make a claim, the policyholder has to first intimate Bharti Axa and in case of an accident the police has to be informed. A claim can either be registered online by just filing one on the website, through SMS or even email. Those making a claim need to provide details such as their contact number, policy number, location of accident along with date and time, nature and extent of loss and also make a mention of any injuries caused, if any.

    Cashless Claim Process for Bharti Axa car insurance

    If your vehicle is damaged, you can choose from the list of Bharti Axa cashless garages and keep all the relevant documentation in hand such as the complete claim form, RC book, driver’s license, FIR copy etc. The following is the process to apply for a cashless claim:

    • Inform Bharti Axa either through a call, SMS or online
    • The surveyor will inspect the vehicle
    • Provide required documents to the surveyor
    • The claim amount will be approved and the same will be communicated to the cashless network garage
    • Payment will be made by the insurance company to the cashless network garage.

    Reimbursement Claim Process for Bharti Axa car insurance

    Let’s take a look at the process.

    • Inform the insurance provider either through a call, SMS or online.
    • Once the first step is done, the surveyor will inspect the vehicle.
    • Provide required documents to the surveyor
    • Make payment to the garage directly and collect all bill records
    • Bills and payment receipts should be submitted to the concerned insurance branch for reimbursement.

    News About Bharti AXA Car Insurance

    • Bharti AXA simplifies claims process for Kerala flood ravaged victims

      With a number of lives lost and a thousands displaced from their houses over the last week weeks following the Kerala floods, insurer Bharti AXA has simplified the claims process for Kerala flood victims in the life insurance and the general insurance sector. According to the insurer, those affected by the floods have to just write an intimation to the insurer stating the insurer, with details of their bank account and a cancelled cheque, death certificate from any hospital, and Aadhaar copy of the nominee to kickstart the claims process. According to Bharti Axa, speaking to business standard, it said, in view of the deluged-ravaged Kerala and some districts of Karnataka and resultant loss of lives, we have set up a dedicated assistance cell at each district in Kerala and the flood-hit districts of Karnataka for simplified life claims with minimal documents. Bharti AXA understands the plight of our customers and endeavour to settle eligible claims expeditiously. If death certificate is not available, we shall accept a certificate from police, armed forces or any authorised hospital certifying the death of the life insured. In addition, the insurer has waived off late penalties for premiums and has even waived the cost for documentation of motor claims.

      5 September 2018

    Bharti Axa Car Insurance Reviews

    • Bharti Axa Car Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I am not satisfied with the car insurance policy that i have taken the policy from Bharti Axa General Insurance because the service is not good but the premium is lower when compared to the others. they provided the policy coverage of bumper to bumper along with road side assistance.
      Was this review helpful? 0
      , nagpur
      Reviewed on Sep 21, 2018
    • Bharti Axa Car Insurance
      "So far so good"
      0.5 3.5/5 "Pretty good"
      I have not raised any claim so far. I have purchased the policy continuously for 8 years. I have made a premium of Rs. 31000 per year. The reason behind chosen this company is regular follow up and very good customer care service. I have received a satisfactory IDV value.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The car insurance Bharti Axa General Insurance i have used fro 1 year and purchased it through showroom along with the car. They have provided the coverage of zero depreciation along with that road side assistance is there but not availed. Premium and the IDV value were satisfactory.
      Was this review helpful? 0
      , guntur
      Reviewed on Sep 18, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have not used the cashless garages so far. This is a third party insurance and its covered with Bumper to bumper however they are providing me a road side assistance and no claim bonus. I have paid the premium of Rs. 8000. I have done the documentation through online. I'm not sure about the IDV value they have offered to me.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 17, 2018
    • Bharti Axa Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There is no reason behind taking the car insurance policy with BHARTI AXA GENERAL INSURANCE also the premium is nominal when compared to the others added on that they provide the full insurance coverage for two wheeler. Documentation was done online.
      Was this review helpful? 0
      , durgapur
      Reviewed on Sep 15, 2018
    • Bharti Axa Car Insurance
      "Excellent policy"
      0.5 4.0/5 "Great!"
      Even though i have claimed in Bharti AXA, i got the claim within a day. I don't need to call the customer care service also and the garage people will take care of the claim. I have paid less than 12000 for the policy. They have provided the cashless garage and they have offered me a IDV value of more than 4.5 lakhs.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Sep 12, 2018
    • Bharti Axa Car Insurance
      "BETTER POLICY"
      0.5 5.0/5 "Blown Away!"
      I have purchased car insurance policy with Bharti Axa General Insurance and used for 2 years where i have not experienced with claim with this policy. Premium is lower and the coverage they offered is for zero depreciation along with the road side assistance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 11, 2018
    • Bharti Axa Car Insurance
      "Good insurance company"
      0.5 4.0/5 "Great!"
      My dealer suggested me to take the Car insurance policy with Bharti AXA. For this car insurance policy, they have provided me a free car services. I have made a premium amount of Rs. 6500. 3 years before i have taken this policy. I have got a IDV value of Rs. 3.50 lakhs. The IDV value is less in Bharti AXA hence i have not continued with the same company.
      Was this review helpful? 0
      , thrissur
      Reviewed on Sep 11, 2018
    • Bharti Axa Car Insurance
      "Good options in Bharti AXA"
      0.5 4.0/5 "Great!"
      I don't face any issues with car insurance by Bharti AXA. My car policy taken 6 months before. I have paid a premium amount of Rs. 7000 around. Cashless garage, Bumper to bumper bonus is the best thing about the policy. Road side assistance is there but i have not utilize the benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 31, 2018
    • Bharti Axa Car Insurance
      "Customer friendly policy"
      0.5 5.0/5 "Blown Away!"
      I don't have any huddles when i apply for the claim. I have taken my car insurance with Bharti Axa. I have taken my car insurance policy with Bharti AXA 1 week ago. They are offering a all the facilities like Bumper to bumper, cashless garages and road side assistance. I have paid the premium amount of Rs. 17000. I don't remember about the IDV value.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 21, 2018
    • Bharti Axa Car Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I am holding my car insurance policy from Bharti Axa General Insurance from last few months and i had no claim experience with this policy. They also not providing me a road side assistance also the premium is higher in this policy when i have compared to the others.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been holding my car insurance policy from BHARTI AXA GENERAL INSURANCE and the documents for this policy through online. They provided me a policy coverage for the basic added on that i am having the road side assistance too in this policy. They gave me a no claim bonus in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased my car insurance policy from Bharti Axa General Insurance and i have used this policy for 3 years and i have taken my car policy along with the car in showroom. They have provided me a zero dep coverage for this policy. The premium and also the IDV value provided by them is satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2018
    • Bharti Axa Car Insurance
      "Overall Good policy "
      0.5 3.0/5 "Satisfactory"
      I have chosen my Bharti Axa policy with car insurance. Its not a very good policy hence i have not continued the policy with Bharti Axa. Basically its a Government based amount. I have not experienced of the claim amount hence i have not called the customer care services.
      Was this review helpful? 0
      , kanpur
      Reviewed on Aug 16, 2018
    • Bharti Axa Car Insurance
      "Average policy"
      0.5 4.5/5 "Excellent!"
      I haven't word with the customer care executive. I had a friend in Bharti Axa he will take care of the policy and other stuff. I have bought this car insurance policy in the month of July 2017. I have made the payment of Rs. 11500. I had no experienced of any claim. They are providing all the benefits like no claim bonus, bumper to bumper. They have to improve the time which they are taking for the car approval.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 16, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance policy taken from Bharta Axa General Insurance, the policy is for the period of 1 year and I have taken through off line basis. Premium and Idv is nominal, policy covers bumper to bumper coverage, and offers road side assistance as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2018
    • Bharti Axa Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance policy from Bharti Axa General Insurance so far i have faced no issues i had a claim but it is a cashless and i am satisfied with the claim. I am not aware of the premium but they provide me a coverage of bumper to bumper also road side assistance is there in this policy.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Aug 16, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Once i had a claim experience with Bharti Axa. Bumper to bumper was not there and they have provided other features like no claim bonus, roadside assistance and cashless garage. I have paid the premium amount of Rs. 15000. I have given a car to the garages and they have done everything and the balance amount has been paid by me.
      Was this review helpful? 0
      , bareilly
      Reviewed on Aug 10, 2018
    • Bharti Axa Car Insurance
      "If i have claim then i could say more"
      0.5 4.0/5 "Great!"
      I have purchased this policy during January Month. I don't remember about the premium amount. I have availed the bumper to bumper and higher IDV value. They are providing the no claim bonus as well as the roadside assistance. I dont have any claim experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 10, 2018
    • Bharti Axa Car Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      There is no special reason for taking my car insurance from the BHARTI AXA GENERAL INSURANCE. Documentation process for my insurance is smooth and it is very good. I had no claim experience. Policy coverage i am not aware of that added on that it is very good.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 10, 2018
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