"Spending a whole day looking for insurance is fun," said nobody, EVER!

    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.

    Bharti Axa Car Insurance Reviews

    • Bharti Axa Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Previously I had my car insurance with Bharti Axa. The customer support is good is nice, I got my policy documents on time. The policy coverage is also satisfactory and there are no hassles in the getting the policy. It was online. There are good features as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2018
    • Bharti Axa Car Insurance
      "VERY GOOD"
      0.5 4.5/5 "Excellent!"
      I am having my car insurance with teh BHARTI AXA GENERAL INSURANCE where i had a no claim. The coverage is not for bumper to bumper because my car is old one. I have been using it since 2 years. I have been using it since 2 years it is very good and comfortable to access.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Bharti Axa Car Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The customer services of Bharti Axa is good when I got my car insurance through them. The process was easy and simple and I received my policy documents on time. The policy coverage is good and the premium cost is also normal. There are features of road side assistance.
      Was this review helpful? 0
      , ramanagaram
      Reviewed on Jul 10, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am using my car insurance with the BHARTI AXA GENERAL INSURANCE and i am satisfied with the service from the. Once i had a claim experience with the insurance and the process of claiming is very smooth and excellent. The service is good and excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • Bharti Axa Car Insurance
      "Experience is good"
      0.5 4.0/5 "Great!"
      My car insurance policy is also with Bharti Axa. The process is good and easy. There were no hassles in the experience. They have provided a good policy coverage. There is a road side assistance as well. The premium is normal. The customer support is good.
      Was this review helpful? 0
      , dwarka-delhi
      Reviewed on Jun 30, 2018
    • Bharti Axa Car Insurance
      "Good deal"
      0.5 4.0/5 "Great!"
      I also renewed my car insurance with Bharti Axa this year. This process was also easy and convenient. The policy coverage they have given is good too. The premium is also good and there are good benefits too. The customer support is good and helpful.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 3.0/5 "Satisfactory"
      The premium with Bharti Axa was nominal.I have not yet received the hard copy of all the documents. The soft copy have been sent to my registered mail id. All the benefits has been covered with the policy. There is no claim experience with this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2018
    • Bharti Axa Car Insurance
      "Very beneficial"
      0.5 5.0/5 "Blown Away!"
      I have taken a Smartdrive (Road assistance + Depreciation Cover) plan for my car insurance from Bharti Axa. The process was good and I received the soft copy and also the hard copy of the policy. The plan has a bumper to bumper kind of coverage and the IDV is also good. The premium is normal too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 13, 2018
    • Bharti Axa Car Insurance
      "Increased the premium"
      0.5 3.0/5 "Satisfactory"
      I had a car insurance with BHARTI AXA ,Since the premium was high with BHARTI AXA GENERAL INSURANCE after the policy expiry i have taken the policy from the competitor with a low premium. They have increased 100o rupees for the policy.The policy benefits are similar as BHARTI AXA.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2018
    • Bharti Axa Car Insurance
      "BAD"
      0.5 1.0/5 "Really Bad"
      I got my BHARTI AXA GENERAL INSURANCE from the showroom where i got my car. I had a claim experience but it is bad and i am not Satisfied. I am using from 2 years. payment i do through the on line. Coverage is good but i have no clear idea regarding the coverage.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 08, 2018
    • Bharti Axa Car Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      Everything is good with Bharti Axa. I have taken a car insurance from them. The customer services and response was good too. They have provided a good IDV as well. The process was smooth and in all I have no hassles. The premium is also normal too.
      Was this review helpful? 0
      , mysore
      Reviewed on Jun 07, 2018
    • Bharti Axa Car Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      I have been using my car insurance since 4 months from the BHARTI AXA GENERAL INSURANCE. My experience with the car insurance so far with the bharati is good. It is a paperless approval i have got my insurance. It is a good insurance. Premium is economic. IDV is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2018
    • Bharti Axa Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I earlier had my car insurance with Bharti Axa. The customer services are good. I received the policy papers on time. They offered a higher IDV for my vehicle. But the premium was on the higher side. That is why I have taken the policy this year with another provider.
      Was this review helpful? 0
      , sriperumbudur
      Reviewed on Jun 04, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using since 16 days so i had no much experience with this insurance. Policy coverage is good and i have no idea regarding because i have not yet used. Documentation was done through on line. I am yet to contact the customer service. I had no claim experience.
      Was this review helpful? 0
      , wankaner
      Reviewed on Jun 03, 2018
    • Bharti Axa Car Insurance
      "Excellent plan"
      0.5 5.0/5 "Blown Away!"
      I have taken a smart drive plan from Bharti Axa. I considered choosing this provider and this plan as I was looking at the quotation on the no claim bonus ratio. They were better when compared to the other companies. There is also a road side assistance and also cashless garages and the IDV is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 02, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The experience is good with my car insurance. Last year i took my insurance i am not sure. Documentation that i have done through the on line it is paperless. I had interacted with the customer service and they helped regarding this. No claiming experience. Policy coverage i have no idea but it is for 1 year
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken car insurance from bharti axa general insurance . Their customer service is too cooperative regarding claim as i had claim experience . It has good policy coverage with cashless garages , road side assistance and Bumper to bumper coverage. Overall am satisfied with their service and insurance policy .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • Bharti Axa Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From BHARTI AXA GENERAL INSURANCE i am holding my car insurance and it is good one. At the beginning i did my documentation through on line it means that it is paperless approval. I got insurance for my old car and no claim so far. The coverage is for 1 year in my insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Bharti Axa Car Insurance
      "Hassle Free Service"
      0.5 5.0/5 "Blown Away!"
      The premium is very less compared to other companies. Since I'm not availed of any claim, i have not contact the customer care service so far. They are providing 100% claim in this insurance policy. I paid around Rs. 14000 as premium amount. For plastic material 75% claim is available.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • Bharti Axa Car Insurance
      "All the benefits in a single coverage"
      0.5 5.0/5 "Blown Away!"
      Their customer service is really good. They resolved all my queries. They are providing a good garage coverage. They are covering most of the benefits rather than other companies. This is the 3rd time I'm renewing my policy with Bharti Axa.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
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