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

    Bharti Axa Car Insurance

    Car Insurance
    • Get third party cover at low premiums
    • 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
      "better"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Car insurance from a private sector company BHARTI AXA GENERAL INSURANCE. I didn't have any claim experience so i cant able to comment on it. It is a basic policy. The premium amount is so affordable by comparing with other premiums.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 24, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Bharti Axa. My payment got deducted twice I had to make couple of calls then with in 3 to 4 days my money got returned. Other than that the policy is great unless I claim I can't comment but based on the final premium which is around Rs. 7,610 and Idv around Rs. 1,82,000 it is fine. I am satisfied.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 23, 2018
    • Bharti Axa Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      " I have taken a car insurance policy from Bharti Axa. I haven't received the hard copy till now, and there was no response for the emails I sent or customer service. The policy is fine my final premium is around Rs. 13,761 and Idv is around Rs. 4,91,968. I have not taken any claim but satisfied with the policy."
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 23, 2018
    • Bharti Axa Car Insurance
      "service is not up to mark"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from a private sector company BHARTI AXA GENERAL INSURANCE. I feel my premium amount is very high by comparing with present insurance policy ie: Rs. 27,000/- . The best feature is that they covered cashless garages also. I had applied a claim request but still it is not processed.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Feb 23, 2018
    • Bharti Axa Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Bharti Axa, at the time of taking the policy from the third party I have been given wrong information about the premium amount so I ended up paying more than I expected so I was not happy. My final premium is around Rs. 9,894 and Idv is around Rs. 3,62,700.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Bharti Axa Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I had a car insurance policy from Bharti Axa it was a good policy I did any issue with the premium amount or the Idv. Everything went well I did not have to make any claim from the policy. The customer service provided was fine I was satisfied with the policy.
      Was this review helpful? 0
      , dhenkanal
      Reviewed on Feb 16, 2018
    • Bharti Axa Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a Car Insurance policy from Bharti Axa. The policy is good, but the only thing is they delayed on processing the insurance policy, they took more than 15 days to send me the policy, I sent vigorous e-mails to them so that they can revert me back at the earliest.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 14, 2018
    • Bharti Axa Car Insurance
      "Good features"
      0.5 4.0/5 "Great!"
      My car insurance was previously with Bharti Axa general insurance. There were no hassles with them as well. There were good facilities and and the IDV was also good. The paper work was also done on time. The premium is reasonable and in all no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 03, 2018
    • Bharti Axa Car Insurance
      "Rates are costly"
      0.5 2.0/5 "Expected more"
      I earlier had my car insurance with Bharti Axa, there were features on the policy but the rates was very high when compared to the other insurance companies. Else the process was good and the road side assistance is there. The IDV could also be better.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 01, 2018
    • Bharti Axa Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance from Bharti Axa through online channel. I am satisfied with the policy coverage and they offered a good Idv value of Rs. 1,36,616. I paid Rs. 5,527 to purchase this insurance. I don't have any claim experience so far.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 30, 2018
    • Bharti Axa Car Insurance
      "It's good.!"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Bharti axa. The policy coverage is good and their service is also good. My final premium is around Rs. 11,202 and Idv is around Rs. 4,00,000. Fortunately I haven't taken any claim so I cannot comment on that. I would definitely recommend this policy to others.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 24, 2018
    • Bharti Axa Car Insurance
      "Satisfied with the features"
      0.5 4.5/5 "Excellent!"
      Fortunately there was no claim experience with Bharti Axa for the car insurance. It was a convenient process to buy the policy. There were the regular features of the no claim bonus and there is also a road side assistance too. Satisfied overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Bharti Axa Car Insurance
      "Could provide better IDV"
      0.5 5.0/5 "Blown Away!"
      I had my car insurance with Bharti Axa earlier and the services was good. They had the benefits of the road side assistance and it was like a bumper to bumper plan. But the premium is high and the IDV is low. So I did not renew the insurance this time with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2018
    • Bharti Axa Car Insurance
      "Service should be more polite"
      0.5 3.5/5 "Pretty good"
      Upto four years Bharthi Axa car insurance was good. But from 2016 onwards, I felt their service was not upto the mark. They failed to send the hard copy to my address. But when I reached their customer service they told we already sent the copy. They were not prompt but their policy benefits are good. However IDV was less, only they gave me road side assistance cover for the premium amount around Rs. 5300.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 15, 2018
    • Bharti Axa Car Insurance
      "Good protection"
      0.5 4.0/5 "Great!"
      I found Bharti Axa car insurance premium was low and most of the coverage under this policy, hence I made the premium around Rs. 25,000. I was insured my MARUTI SUZUKI VITARA BREZZA, they gave me the best IDV value for my car. I took Smartdrive Road assistance with Depreciation Cover its good to have.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2018
    • Bharti Axa Car Insurance
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I earlier had my car insurance with Bharti Axa and it was not a satisfactory experience. I did not get the hard copy and I had to follow up. After which I had a claim experience and that process was also not up to the mark. The service center told me that a new component has to be put. But the insurance provide replaced the component and did not put the new one. There was a cashless claim, but to get that approval it took about one week.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 10, 2018
    • Bharti Axa Car Insurance
      "Premium should be economical"
      0.5 4.0/5 "Great!"
      Bharti Axa General Insurance premium and IDV value is lower than Liberty Videocon. I don't think they are providing road side assistance. Because I had car insurance earlier with Bharthi Axa, but they gave me bumper to bumper cover and they got tie up with many garages. I would like to suggest their customer service should more responsible in terms of follow up.
      Was this review helpful? 0
      ,
      Reviewed on Jan 10, 2018
    • Bharti Axa Car Insurance
      "Can do better in the services"
      0.5 3.0/5 "Satisfactory"
      I earlier had my car insurance policy from Bharti Axa . I purchased a zero depreciation plan. This year when I had to renew my policy, they refused to give me the same plan. So I went ahead with another provider. I was given a no claim bonus last year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 06, 2018
    • Bharti Axa Car Insurance
      "Need to work on the services and features"
      0.5 2.0/5 "Expected more"
      My previous experience with Bharti Axa is not up to the mark. I had my car insurance with them. The plan is Smartdrive (Road assistance + Depreciation Cover). They did not have a proper branch in the location I live at in Mumbai. The premium is also costly and there were not much of features as well. Overall it was not a very good process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 04, 2018
    • Bharti Axa Car Insurance
      "Can provide better IDV"
      0.5 4.0/5 "Great!"
      Bharti Axa offered me a decent premium on the car insurance. The premium was of 25K per year. The IDV is less. It is around 6.5 Lakhs. The customer services are good, they contacted me on time and informed me the necessary details. The policy papers were also sent at the appropriate time.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 03, 2018
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