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

• 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

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?

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

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.