• Buy Bharti Axa Car Insurance Online - Check Plan Details & Reviews

    Car Insurance
    • Protect yourself with third party or comprehensive cover
    • Use bumper to bumper policies to reduce your liability
    • Enjoy facilities like zero depreciation and roadside assistance covers

    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 2017-18 81.74%
    Net Earned Premium Rs.1010.07 crore
    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.

    Types of car insurance policies offered by Bharti AXA car insurance 

    For car owners in the country, Bharti AXA General Insurance offers two types of car insurance policies – third-party liability car insurance and comprehensive car insurance. 

    • Third-party car insurance policy 

      Mandatory as per the Motor Vehicles Act, 1988, the third-party insurance policy offers coverage up to Rs.7.5 lakh and offers damage coverage to the third-party involved in the accident, and coverage for medical expenses if the accident leads to the bodily injury or disability of the third-party. In addition, if the third-party dies following the accident, the policy offers compensation to the dependents or family of the third-party. That said, the third-party car insurance policy is a basic car insurance policy and offers no coverage for the policyholder. Following an accident, the policyholder will have to meet the costs from his/her own pocket to repair the damages caused to the car and medical expenses if the accident leads to bodily injury or disability of the policyholder.  

    • Comprehensive car insurance policy 

      As the name suggests, the comprehensive car insurance policy offered by Bharti AXA Car Insurance offers coverage to the policyholder and the third-party for damages caused to the vehicles and coverage to meet the cost of medical expenses if the accident results in disability or bodily injury of any of the involved parties. In addition, if the car of the policyholder is damaged following a natural calamity such as a flood, earthquake, cyclone, landslide, etc., then coverage to meet the expenses for the repairs will be extended by the insurer. The comprehensive car insurance policy also offers coverage if the car catches fire and compensation if the car is stolen.  

    For a premium of Rs.750 over the base policy, policyholders can purchase the personal accident cover up to Rs.15 lakh for the policyholder, third-party and the occupants in the car. The personal accident cover offers 100% payout in the event of death or severe disability or injury.  

    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.

    FAQs 

    1. How can I calculate the premium of the comprehensive car insurance policy offered by Bharti AXA? Is the comprehensive car insurance policy standard?  

      You can make use of the premium calculator on the Bharti AXA website to know the approximate of the comprehensive car insurance premium. The premium of the comprehensive car insurance policy depends on several factors such as the age of the car, make and model, where the car will be driven, driving history of the policyholder, etc.  

    2. Where can I buy a car insurance policy offered by Bharti AXA General Insurance? 

      You can buy a car insurance policy either at the branch of the insurer or online on the Bharti AXA website.  

    3. Does Bharti AXA carry out cashless claim settlements? 

      Yes, Bharti AXA carries out cashless claim settlements provided that the car is repaired at a network garage of theirs.  

    4. Is it necessary to opt for the long-term third-party insurance offered by Bharti AXA Car Insurance? 

      As per the directive of the Supreme Court, long-term third-party car insurance policies have been made mandatory. For cars, the policy will be valid for a period of 3 years and soon the annual third-party car insurance policies will be phased out.  

    5. Are add-on covers inclusive in the comprehensive car insurance policies offered by Bharti AXA Car Insurance? 

      No, add-on covers such as the zero-depreciation cover, No Claim Bonus, personal accident cover and so on, have to be purchased over and above the premium of the base car insurance policy.  

    News About Bharti AXA Car Insurance

    • Bharti AXA launched Smart eSurvey for faster claim settlements

      In order to ensure that they settle their motor insurance claims faster, Bharti AXA General Insurance has rolled out their very own claim settlement platform called Smart e-Survey. The app will help the company solve claims quicker which will be a benefit for their policyholders. According to the CEO, Smart eSurvey App empowers customers and our partner garages to connect with us and raise motor insurance claims survey request instantly and seamlessly. It helps vehicle owners receive speedy claims settlement. Post the launch of the app, the insurer expects to solve at least 20-25% of the vehicle claims in the first year of its functioning.

      26 March 2019

    • 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

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    Bharti Axa Car Insurance Reviews

    • Bharti Axa Car Insurance
      "EXPENSIVE POLICY"
      0.5 3.0/5 "Satisfactory"
      The premium is higher with this car insurance policy when compared to the other insurance policies where i am holding it with the Bharti Axa General Insurance. I have not yet claimed with this policy but the premium and the IDV value is satisfactory with this policy.
      Was this review helpful? 0
      , peddapalli
      Reviewed on Jan 14, 2019
    • Bharti Axa Car Insurance
      "Average"
      0.5 3.5/5 "Pretty good"
      Actually after getting the insurance from Bharti Axa have not contacted them. The insurance price is same as the previous year and they are not considering the existing customer even the car value depreciation varies. I have no claim with them. It is a first party insurance.
      Was this review helpful? 1
      , erode
      Reviewed on Dec 30, 2018
    • Bharti Axa Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I felt the premium is bit higher in Bharti Axa when compared to others so have changed the insurer. The claim experience was good and have utilized cashless, they do have more number of garages. It was a first party insurance. It included bumper to bumper as well as Road Side Assistance but I never had a chance to use it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 30, 2018
    • Bharti Axa Car Insurance
      "Average and need to reduce the premium for old customer"
      0.5 3.0/5 "Satisfactory"
      The premium is high with Bharti Axa when compared to others so have changed my insurer for this year. I have been with them for 4 years but still they did not negotiate the premium and have just done one claim with less amount for that they have cancelled No Claim Bonus which am not happy. The customer service and claim process is okay. It was a comprehensive insurance.
      Was this review helpful? 0
      ,
      Reviewed on Dec 29, 2018
    • Bharti Axa Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance with Bharti Axa through online channel. So far, I have not used for claim. It has lower premium when compared to other insurer and I have paid approx 4000 rupees for one year. I have received the documents on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • Bharti Axa Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have purchased car insurance with Bharti Axa, there was an offer going on with Lower premium and moreover the benefits are similar. The customer service is quite good. The policy period is one year and I have paid around 13K to 14K to purchase the insurance. The payment mode is online.
      Was this review helpful? 0
      , dombivli
      Reviewed on Dec 08, 2018
    • Bharti Axa Car Insurance
      "Good. Can do better"
      0.5 3.0/5 "Satisfactory"
      Bharti Axa is what I have used for the car insurance last year. The process was fine, but they were costlier in the premium and the policy coverage was low. So I did not renew the policy with them this year. They need to provide a better deal when compared.
      Was this review helpful? 0
      , alwar
      Reviewed on Nov 16, 2018
    • Bharti Axa Car Insurance
      "Premium cost is high"
      0.5 3.0/5 "Satisfactory"
      I earlier had my car insurance policy with Bharti Axa General Insurance. The customer services and response is good. The policy process was fine, but they were high on the premium cost. I had to pay around 10K for the policy and I got a better deal this year.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 16, 2018
    • Bharti Axa Car Insurance
      "Good features"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with Bharti Axa. The customer support is fine and there are no issues. I received the policy documents on time. The policy coverage is also good and there are good benefits of cashless garages and road side assistance. The main purpose of me choosing them is because the premium cost is normal.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 16, 2018
    • Bharti Axa Car Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Bharti Axa is good overall in the car insurance. It was a on time process. The customer support and response is good. The policy coverage value is fine too. The premium is not costly too. I also received the policy documents on time. In all no hassles.
      Was this review helpful? 0
      , dharwad
      Reviewed on Nov 11, 2018
    • Bharti Axa Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Everything was fine at Bharti Axa for the two wheeler insurance policy. The customer support and response is fine as I received the policy paper work on time. The policy coverage value is also good and the premium cost is normal. In all no hassles.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 11, 2018
    • Bharti Axa Car Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I previously had my car insurance policy with Bharti Axa. I also had a claim experience twice and the process was smooth. I only had to pay the processing charges and the rest was taken care by the insurer. They had a cashless garage facility too. The only reason I did not renew the policy with them this year is because they have a limitation for a claim. I can claim only twice and when I went for the third time, I could not proceed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 11, 2018
    • Bharti Axa Car Insurance
      "Policy coverage can be better"
      0.5 4.5/5 "Excellent!"
      I have renewed my car insurance with Bharti Axa this year and the premium is less. The process was on time and I also received the policy papers on time too. The customer services and response is good. It would have been better if they have offered a better policy coverage.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 08, 2018
    • Bharti Axa Car Insurance
      "Yet to experience the policy"
      0.5 4.0/5 "Great!"
      I just compared the premium with other companies and i have selected the policy. The customer care service has done a great follow up. I'm not sure about the garage facility details. I'm satisfied with the coverage amount and i have made a nominal premium amount. I have taken the third party insurance which covers for the car, driver and passengers.
      Was this review helpful? 1
      , mumbai
      Reviewed on Oct 31, 2018
    • Bharti Axa Car Insurance
      "Good policy with higher premium"
      0.5 4.0/5 "Great!"
      I have purchased a car insurance policy with Bharti AXA for the first year. Because of the higher premium i have moved to other company. I had gone for a claim and the experience was fine. Within 20 days, i have got my claim settlement. I have no idea about the garages. I have paid the money and done the re-imbursement. They have given only 90% of the claim.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2018
    • Bharti Axa Car Insurance
      "Best among all"
      0.5 5.0/5 "Blown Away!"
      The premium and the coverage is best in Bharth axa, when compared to other policies, the documentation was easy through online, within expected time the policy activation was held. Policy coverage is good and also I believe their brand value is good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 30, 2018
    • Bharti Axa Car Insurance
      "Good One"
      0.5 5.0/5 "Blown Away!"
      Bharti Axa is giving a good higher coverage this is the reason behind of choosing this company. I have purchased the policy in the month of March. They have offered me a satisfied coverage amount and I'm not sure about the premium amount. The documentation process was simple and i just informed the policy number of previous company.
      Was this review helpful? 0
      , calicut
      Reviewed on Oct 30, 2018
    • Bharti Axa Car Insurance
      "Overall Good Policy"
      0.5 3.0/5 "Satisfactory"
      There is nothing special about Bharti AXA policy. I have not continued the policy with the same company because of the higher premium with the lower features. I have not applied for any claim service so far. Earlier the premium was equal to other companies from last year they have increased the premium amount. They are providing bumper to bumper cover. In accidental benefits, they covers the passenger, driver and car.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 30, 2018
    • Bharti Axa Car Insurance
      "Good Claim Process"
      0.5 5.0/5 "Blown Away!"
      Their claim process is good, there was bending happened and the left board of my car got damaged. Then Bharti Axa taken 3 to 4 days to rectifier the issue, my claim request approved within two hours. I am happy about the claim process, but I suggest them to improve their online portal to check my policy through their website.
      Was this review helpful? 0
      , guntur
      Reviewed on Oct 29, 2018
    • Bharti Axa Car Insurance
      "Yet to experience the policy"
      0.5 4.0/5 "Great!"
      I don't find extra eating amount and its good compared to other when i come for the premium. I renewed the policy in emergency basis and there is no reason behind chosen the Bharti AXA. I made a premium amount of Rs. 22000 and i went for bumper to bumper cover.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 28, 2018
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