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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 91.49%
Net Earned Premium Rs.100736
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.