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  • Bharti Axa Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    India is the world’s largest market for two-wheelers, with over 20 million units sold in the country each year. Riding a two wheeler without a valid insurance is not permitted, with this liable to attract penal action. Bharti AXA offers insurance solutions to meet the legal requirements, ensuring that both, the vehicle and the rider are protected against any accident/incident. The general insurance wing of Bharti AXA caters to the insurance requirements for 2 wheelers, helping one truly enjoy a bike ride.

    Features And Benefits Of Bharti AXA Two-Wheeler Insurance

    Policy period
    • One year (regular policies)
    • Long-term policies come with a period of two/three years
    Policy types Renewable two-wheeler insurance policy
    • Third-party Liability Coverage
    • Comprehensive Insurance
    • Long-term two-wheeler insurance
    Policy coverage
    • Natural/manmade disasters
    • Accidents
    • Third-party liability
    Exclusions
    • Generic wear and tear
    • Use of vehicle for commercial purpose
    • Riding vehicle while intoxicated
    • Using vehicle without documents
    Renewal frequency
    • Third-party Liability Coverage - Yearly
    • Comprehensive Insurance - Yearly
    • Long-term two-wheeler insurance – Two/three years
    Available add-ons
    • Zero depreciation cover
    • Personal accident cover (occupants)
    No claim bonus (NCB) NCB upto 50% can be earned each year
    No claim bonus after claim NCB becomes 0% once a claim is made (yearly renewable policy). In case of the long-term plan, the NCB returns to the previous value.
    Zero Depreciation cover Add-on available wherein one needn’t pay any depreciation costs related to replaced/repaired components.
    Refund facility The insurer might refund a certain portion of the premium paid if the policy is cancelled. This is subject to certain terms and conditions.
    If plan expires Policy can be renewed online/offline. In case of lapse, the third-party cover is not provided, with the NCB impacted negatively.
    Network garages Over 2,500 network garages located across the country

    Reasons To Choose Bharti AXA Bike Insurance:

    A two wheeler isn’t just a mode of transportation, it becomes a part of our life. Choosing the right insurance partner can be beneficial in the long run, with Bharti AXA providing a number of reasons to choose them.

    • Protection – An individual can protect his/her vehicle against loss/damage by choosing a plan from Bharti AXA.
    • Discount – The no claim bonus helps reduce the premium amount.
    • Ease of purchase – A policy can be purchased/renewed online, without having to spend time and effort to physically complete the process.
    • Assistance – Bharti AXA provides 24x7 assistance when it comes to claims.
    • Network garages - There are over 2,500 garages associated with Bharti AXA.
    • Covers all bikes – A few insurers are apprehensive about providing cover to high capacity bikes. Bharti AXA provides insurance for bikes of all engine capacities.
    • Third-party cover – Damage/injury to third-parties are covered by the policy.
    • Wide network of branches – Bharti AXA has over 75 branches located across the country, helping one sort any query which could arise.
    • Customisation – The insurer provides add-on options which can be used to customise a policy.
    • Renewal reminders – The company provides reminders to renew the policy before it lapses.

     

    Two Wheeler Plans Offered By Bharti AXA

    Bharti AXA offers plans which cater to different needs, with these segregated based on the policy term and extent of cover provided.

    • Third-party liability cover – This is a base plan which provides financial assistance in the event of any third-party incident. Compensation is paid if there is damage to the property/life of a third-party. The premiums for this plan are cheaper, with this policy meeting the basic motor vehicle insurance requirements.
    • Comprehensive insurance cover – This is a smarter option, for not only does it provide protection against third-party liabilities, but also covers any loss/damage to the vehicle. It also provides cover in case of any accident resulting in injury to the rider. The premium for this plan is on the higher side.
    • Long-term two-wheeler insurance – This is ideal for people looking to insure their vehicle for an extended period. A 2/3 year policy term can be chosen. Opting for a longer term reduces the premium amount, with better NCB features.

    Coverage Provided By Bharti AXA Bike Insurance

    A two-wheeler insurance provides protection under various circumstances, based on the plan option chosen.

    • Road accidents – Cover is provided in case the insured vehicle is involved in a road accident. The extent of cover depends on the policy in force. While the comprehensive plan provides protection against all kinds of damage, the third-party liability cover provides protection only with regard to any third-party damage.
    • Damage to vehicle – Any damage to the vehicle due to natural events like earthquakes, floods, cyclones, etc. is covered. Damage due to manmade incidents like riots, strikes, terrorism, fire, etc. is also covered under the policy.
    • Loss of vehicle – The comprehensive cover provides protection against loss of vehicle.
    • Personal accident cover – Bharti AXA bike insurance provides a financial compensation if the rider/owner of the vehicle meets with an accident which results in injury/death.
    • Third-party protection – The plan covers any damage caused to the property/life of a third-party due to an accident involving the insured vehicle.
    • Protection to occupants – The passenger(s) of an insured vehicle is/(are) covered if the policyholder chooses the Personal Accident Cover for Occupants add-on. This provides protection in the case of full/partial disability to the pillion rider/co-passenger.
    • Zero depreciation cover – If one chooses this add-on, the insurer will bear the depreciation costs.

    The extent of cover varies based on the plan chosen by an individual.

    Exclusions Under Bharti AXA Two Wheeler insurance

    An insurance policy does not cover all incidents, with Bharti AXA having certain exclusions designed to prevent any misuse of the policy.

    • Intoxicated incidents – Any damage caused to the vehicle/individual on account of riding under the influence of alcohol/drugs is not covered by the plan.
    • Commercial use of vehicle – The insured vehicle is designed for personal use, and as such any incidents which occur when it is used for commercial purposes are not covered.
    • Wear and tear – Generic/regular wear and tear of the vehicle is not covered by this plan. This includes depreciation as well.
    • Illegal activity – Any incident which is a result of using the vehicle for an illegal activity is not covered. This includes using the bike for racing, speed-testing, wheeling, etc.
    • Ineligible rider – Bharti AXA will not cover any loss incurred due to an ineligible rider. This includes situations where an individual does not have a valid driving license, the vehicle is being used by an underage individual, etc.
    • Expiry – In case an incident occurs after the policy has expired.
    • Geographical extent – Any incident which occurs outside India is not covered by the plan.
    • Miscellaneous reasons – No cover will be provided if there are any consequential damages/if one fakes/stages an accident, etc.

    Eligibility To Buy The Bharti AXA Two Wheeler Insurance Online

    Bharti AXA has a few criteria in place when it comes to providing motor insurance policies, ensuring that there are no complications in the future. The insurer could ask for these basic documents in order to process an application.

    • Vehicle registration – An individual should ensure that the vehicle is registered. The registration certificate issued by a Regional Transport Office should be produced.
    • Fitness certificate – The bike should be in a road-worthy condition, and as such a fitness certificate would be required in certain cases. This is applicable primarily in cases where the bike is old (more than 10 years).
    • Driver/owner details – Riding a vehicle without a valid license is illegal in India, with insurers looking at the driving license in certain cases.
    • Non-modified – Bikes which are modified might not fall under the purview of insurance.
    • Physical inspection – Bharti AXA may choose to physically examine a bike which has an expired two wheeler insurance.

    An insurer could ask for other documents, based on whether the insurance application is for a new policy or whether it is to renew an existing/lapsed policy.

    Steps To Buy The Bharti AXA Two-Wheeler Insurance Online:

    Gone are the days when one was expected to visit the office of an insurer in order to purchase a policy. It is now possible to buy a motor vehicle insurance policy online, by following a few basic steps.

    1. Log on to the official website of Bharti AXA General Insurance.
    2. Choose between a new policy or renewal of an existing policy, based on the requirements.
    3. Provide details of the vehicle which needs to be insured.
    4. Provide personal details including mobile number, email id, address, etc.
    5. Decide what kind of cover is needed. This includes choosing add-ons to a base policy for enhanced protection.
    6. Once selected, the premium amount is displayed.
    7. Pay the amount mentioned.
    8. Insurance policy is emailed in the form of a PDF.

    How To Make A Bharti AXA Two Wheeler Insurance claim?

    The purpose of an insurance policy is to provide assistance in the event of any incident. Bharti AXA has a simple process when it comes to registering a claim, which can be done by following these steps.

    1. Intimate the insurer, either by sending an SMS or calling their toll-free number. Additionally, one can also email them at claims@bharti-axagi.co.in. The SMS format is “CLAIMS”, which can be sent to 5667700.
    2. If sending an email, one should use the standard format as mentioned by the insurer.
    3. The claim should be registered within a specific time period for it to be eligible. It is imperative that one inform Bharti AXA at the earliest.
    4. A policyholder will have to provide all relevant information, including policy details, vehicle number, date/time/place of incident, details of incident, type of loss incurred, etc.
    5. In case of an accident, a copy of the police FIR will have to be sent.
    6. The claim form should be duly filled with all the aforementioned details.
    7. In addition to the claim form, one will also have to send the DL of the person riding the vehicle and registration certificate of the vehicle to the insurer.
    8. In case of theft of bike, the original bike documents should be sent to Bharti AXA. In addition to this, the original keys are also required.
    9. Payment details should be provided.

    Once the insurer has been intimated, one can get the vehicle repaired at an authorised garage (in case of damage to bike).

    Renew A Bharti AXA Bike Insurance Online In Simple Steps

    Renewing a bike insurance policy was a hassle in the past, with one expected to visit the insurer to complete the formalities. Today, however, one can renew the policy online, in a matter of minutes.

    • Log on to the official website of Bharti AXA general insurance.
    • Click on the tab “Get Quote” under “Two-wheeler Insurance”.
    • Choose the option to renew the insurance policy. The premium amount will vary based on whether the previous policy was provided by Bharti AXA or by a different insurer.
    • Select the appropriate option.
    • Provide the details of the previous policy. This includes the policy number and the expiry date.
    • Make the payment based on the add-ons chosen.

    Additionally, one can also connect with Bharti AXA executives on 1800 103 2292 to renew a policy.

    Why Deductible Is Important In A Bharti AXA Two Wheeler Insurance Plan?

    A deductible is something which can often be found in insurance policies. This is the amount the policyholder is agreeing to pay in case of an accident/damage to the bike. The insurer pays the rest of the amount.

    It can be understood with a simple example. Mr. Ram chooses to buy a 2 wheeler insurance policy from Bharti AXA, opting for a 10% deductible. In case of any accident, he will pay 10% of the amount, with Bharti AXA paying the remaining sum.

    Choosing a high deductible results in lowered premiums. One should opt for a higher deductible only if they are confident about their riding skills. A low deductible results in higher premiums, but the policyholder will not be required to pay a high amount in case of any accident.

    What To Do After The Expiry Of A Bharti AXA Two Wheeler Insurance Plan?

    Riding a vehicle with a lapsed insurance policy can attract fines. The added tension of no protection can also play on our minds, which is why it is imperative to renew a policy immediately. Bharti AXA sends reminders before the policy expires, ensuring that one can renew it on time. In case the policy expires even after reminders, one should immediately renew the policy. This can be done by contacting the insurer. In case of a grace period, one can get the policy renewed without hassles.

    If this period has expired, renewing the policy gets harder, with physical inspection of the vehicle required. The premium amount might also increase in such instances. The no claim bonus accrued might also lapse, resulting in an additional financial burden on the individual.

    Bharti AXA Bike Insurance Customer Care Service

    Bharti AXA has a dedicated customer care service which caters to different situations which might arise.

    Each function is allotted a dedicated number, with all aspects covered.

    One can contact Bharti AXA on the following numbers:

    • Purchase of policy – 080 49010222
    • Policy renewal – 1800 103 2292
    • Claims – 080 49123900

    Additionally, one can also contact officials online, by visiting the “Contact Us” section of the Bharti AXA general insurance website.

    Bharti AXA Two Wheeler Insurance Frequently Asked Questions:

    1. Will Bharti AXA remind me before the policy expires?

      Bharti AXA provides reminders before the expiry of a policy, ensuring that one doesn’t forget. In case of missing the payment even after the reminder, one can choose to renew the policy by paying the premium.

    2. I intend to sell my two-wheeler. What will happen to the insurance policy?

      In case of selling the vehicle, the insurance policy will be transferred to the buyer. The transfer can be done after the vehicle has been registered under the name of the buyer.

    3. Can I choose to insure the accessories on my bike?

      Yes, it is possible to insure accessories, subject to payment of an extra premium for the same.

    4. How long does it take Bharti AXA to settle a claim?

      Bharti AXA aims to settle all claims within 7 working days of receiving the relevant documents. This period can increase in cases where documents are missing/there are discrepancies in details.

    5. Is it possible to pay the premium amount in instalments?

      No, it is not possible to pay the premium amount in instalments. This is on account of the rules mentioned under the Insurance Act of 1938.

    Two Wheeler Insurance Reviews

    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I am okay with the insurance it is good. So far no claiming experience. The documentation is quick and easy and i have received my hard copy within a week. Actually i am comfortable and the customer service i have not yet contacted. They said my IDV is 46,500 rupees, it is very low but actually mu IDV is high. policy coverage is for 1 year.
      Was this review helpful? 0
      , hosur
      Reviewed on May 23, 2018
    • Bharti Axa Two Wheeler Insurance
      "WORST"
      0.5 1.0/5 "Really Bad"
      As per my experience it is not good because i have not yet received the hard copy, i have requested for the hard copy but they have not given the hard copy. Again i called up for the hard copy to the customer service so i am not happy with the service. I request no one to buy the insurance from this company.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 23, 2018
    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      BHARTI AXA GENERAL INSURANCE is the institute where i am holding my two wheeler insurance. As soon as i did the payment i got with in 2 days. Customer service is very good in my insurance. I have no idea that i got my insurance paperless approval or not. Plan benefit i have on my insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • Bharti Axa Two Wheeler Insurance
      "Easy way to reach online in Bharti Axa"
      0.5 5.0/5 "Blown Away!"
      Bharti Axa is providing with low cost premium amount. The claim amount is good and the premium is very low. This is the 1st time I'm using this Bharati Axa. I'm not sure about the benefits of the policy. I can claim around 47K. It recommendable policy to others.
      Was this review helpful? 0
      , tirupati
      Reviewed on May 21, 2018
    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have been using my two wheeler insurance from the BHARTI AXA GENERAL INSURANCE from few days back. My overall experience from this insurance is that it is good. When it comes to the documentation i got within 2 days. I have no idea of paperless or paper approval. Customer service is very good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • Bharti Axa Two Wheeler Insurance
      "Satisfactory Policy"
      0.5 5.0/5 "Blown Away!"
      I need low value premium so many people have suggested me to take the policy from Bharti Axa. Their benefits are loyal. The claim amount is high when i compared to other companies. I have paid Rs. 1100 for my two wheeler insurance. Still i have no claim experience.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on May 19, 2018
    • Bharti Axa Two Wheeler Insurance
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I have been holding my insurance from the BHARTI AXA GENERAL INSURANCE is good. I have received a very good customer service from them but the thing is that i have not yet received the hard copy. Apart from that i have no claiming experience so far.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      It is a very simple and easy policy to use. It has many more garages available nearby my places. I have paid the premium of Rs. 1500 for annually. I have been using Bharati Axa insurance from January month. Overall, I'm really impressed with their plans and benefits.
      Was this review helpful? 0
      , panvel
      Reviewed on May 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Low Premium Policy"
      0.5 4.0/5 "Great!"
      Lowest price with highest coverage. Actually i searched the Google and i found this is the best. I made the payment of Rs. 3000 per year. I took this BHARTI AXA TWO WHEELER policy last 4 months ago. The Claim amount depends on the bike accident.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Best Two wheeler Policy"
      0.5 4.5/5 "Excellent!"
      This is the best insurance company in two Wheeler insurance. Premium is very low and the benefits are high. When i chose the policy, i compared with other polices and i felt this is the best. As I'm having Honda shine bike , i took the policy. I paid Rs. 1700 as a premium. I'm not aware of the benefits that much. I have taken this policy in the month of December.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Better Policy to Use"
      0.5 4.0/5 "Great!"
      As I'm holding this policy for 2 years I can say more about it. I made the payment of Rs. 1200 for an year. I made the payment through online. I don't contact their customer service since i don't have any claim experience. I'm not aware of the benefits and plans of this policy.
      Was this review helpful? 0
      , guntur
      Reviewed on May 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Company"
      0.5 5.0/5 "Blown Away!"
      I have paid Rs. 1900 for my two wheeler insurance, I like the Bharati Axa company so i choose it the best. I have no claim experience so far. I have been using this policy for past 1 year. Their Customer care service is really good. I'm really impressed with the plans and benefits.
      Was this review helpful? 0
      , delhi
      Reviewed on May 17, 2018
    • Bharti Axa Two Wheeler Insurance
      "Low Premium with Higher Coverage"
      0.5 4.0/5 "Great!"
      The premium is very low. The coverage amount is high compared to other companies. I have been using this BHARATI AXA INSURANCE from December. I have paid Rs. 1400 as a premium amount. I'm not claimed anything from the insurance. I'm not sure about of the benefits of the policy
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I choose to go with Bharati AXA general insurance since they had provided a very low premium and the insurance was good compared with the other products in the market. I faced a small trouble now that i have not received any soft copy till date, it would be appreciated if they take care of these things well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2018
    • Bharti Axa Two Wheeler Insurance
      "excellent"
      0.5 5.0/5 "Blown Away!"
      I own a Two wheeler insurance policy from the Private sector insurance company BHARTI AXA GENERAL INSURANCE. My annual premium amount is reasonable. I got this policy from showroom along with vehicle. I had a good interaction with the customer care. Overall its a good policy. The application process is very easy and simple. I uploaded all documents online itself.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 18, 2018
    • Bharti Axa Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      Though my first two wheeler insurance is with Bharti Axa. I was not very happy with the services and benefits. They did not offer me a very good IDV as well when compared to the other companies. The response was also not up to the mark. I may not want to recommend them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 13, 2018
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