"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
      "excellent"
      0.5 5.0/5 "Blown Away!"
      I own a car insurance policy from the well known insurance policy company BHARTI AXA GENERAL INSURANCE. I got that policy along with my vehicle by showroom. The customer support is good and well responsive. I didn't have any claim experience so i am unable to comment on it. Most of all benefits are covered under one policy. It was a good experience with the customer support team.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 18, 2018
    • Bharti Axa Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I had a car insurance policy previously from Bharti Axa, I was completely satisfied with the policy, I did not face any issues in terms of services, follow ups and processing of my policy was done on time. I was getting good Idv as well as premium was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • Bharti Axa Car Insurance
      "Service part needs to be improved"
      0.5 3.0/5 "Satisfactory"
      Basically service is not satisfactory with Bharthi Axa, I called them couple of time for some insurance queries, but I didn't get reply from them. Second time I rang them to renew the policy, they gave me good response at the time. But third time they didn't responded well to add some feature on renewal.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 13, 2018
    • Bharti Axa Car Insurance
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      Because of the low premium I took Bharti Axa car insurance, my premium was around Rs. 10,000. The insurance company gave me the IDV value around Rs. 5 lakhs. I took Smartdrive (Roadside Assistance) its 24/ 7 service. Bharthi Axa is providing cash less service with wider garages in the location.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 13, 2018
    • Bharti Axa Car Insurance
      "Its average"
      0.5 3.5/5 "Pretty good"
      I took comprehensive policy depend upon the vehicle age, Bharthi Axa gave me the feature on car insurance. However the premium was economical, totally I have three years of experience with them. But on third year they didn't send the policy copy on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • Bharti Axa Car Insurance
      "Cash less service should be enable"
      0.5 4.0/5 "Great!"
      I had a claim but it was not a cash less, I met with an accidental at the time my car front bumper got damaged. I have got replaced, the claim process was good. But I paid amount around Rs. 62,000 then they took three month to reimburse the amount of Rs. 58,000. It would be great if they give cash less service. I took smart driver (Road assistance + Depreciation Cover) for the premium around Rs. 35,000.
      Was this review helpful? 0
      , pusad
      Reviewed on Mar 12, 2018
    • Bharti Axa Car Insurance
      "Good IDV"
      0.5 5.0/5 "Blown Away!"
      This year I renewed my car insurance with Bharti Axa again, but this time I directly purchased the policy and did not use any online channel. When I visited the Bharti Axa portal, I am not able to select the features like road side assistance. Only when I received the papers that I realized that the road side feature was not there this year for me. They need to have clearer options online to choose the facilities. The Idv is good. It was around 363000, better when compared to the other companies.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 07, 2018
    • Bharti Axa Car Insurance
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have taken a Smartdrive (Roadside Assistance) plan with Bharti Axa. It is a car insurance policy. There was a road side assistance in this policy which I needed as well. The IDV was also good, it was around 3,76,430. The premium was also to my expectation. Good overall.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 07, 2018
    • Bharti Axa Car Insurance
      "good policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance from the private sector insurance company BHARTI AXA GENERAL INSURANCE. My annual premium amount is Rs. 24,289 which is very affordable by comparing with previous policy. I dint have any claim experience so i cant able to comment on it. The application process is easy and convenient because of paperless approval.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 07, 2018
    • Bharti Axa Car Insurance
      "Should be Transparent "
      0.5 3.0/5 "Satisfactory"
      I have not come across through any issues with Bharti Axa, when I had car insurance with them. But I would say the premium was higher and its not bumper to bumper. When I demand that insurance company they said its fully covered but later on I came to know its comprehensive policy, they should be transparent about the features.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Bharti Axa Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance policy from Bharti Axa. My final premium is around Rs. 3,882 and Idv is around Rs. 1,46,880. Since I never made any claim from the policy I have no comments about the services but, the final premium is fine and the Idv is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • Bharti Axa Car Insurance
      "better"
      0.5 3.0/5 "Satisfactory"
      I had applied and got a Car insurance from a BHARTI AXA GENERAL INSURANCE. My annual premium amount is Rs.9800/- which is very affordable by comparing with my previous Car insurance polices. I can prefer on line payments to renew my polices with in due time.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 25, 2018
    • 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
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