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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 installments?

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

    6.Will I lose the No Claim Bonus if I don’t renew my two-wheeler insurance policy within the renewal date specified in my policy document?

    If you renew your lapsed two-wheeler insurance policy within 90 days from actual renewal date of the policy, you will be eligible to receive the No Claim Bonus. On the other hand, if you don’t renew your two-wheeler insurance cover within 90 days, you will lose the No Claim Bonus. For this reason, it is advisable to set up an automatic reminder facility to remind you of the renewal date well in advance.

    7.Will opting for add-ons/riders increase the premium payable?

    Yes, opting for add-ons/riders will cause your premium payable to increase since you will be receiving enhanced coverage. Thus, it is advisable to assess your coverage needs and only opt for the riders that you really require.

    8.What is the No Claim Bonus? When do insurance companies offer the No Claim Bonus to policyholders?

    The No Claim Bonus is offered by motor insurance companies to policyholders who don’t file any claims during the policy tenure. If you receive the No Claim Bonus, you can avail a lower premium rate for the next policy year. It is, however, important to remember that the No Claim Bonus is only offered on the own damage component of the insurance policy. Thus, if you have a third-party liability-only insurance policy, you will not receive the No Claim Bonus.

    9.Why should I opt for a comprehensive two-wheeler policy if it is only mandatory to have a third-party liability insurance cover?

    Third-party liability insurance policies only provide coverage against third-party legal liability and accidental death/disability of the rider/policyholder. Thus, these policies do not offer an own damage cover. If you wish to receive higher coverage, it is advisable to purchase a comprehensive two-wheeler insurance policy.

    10.What is the Insured Declared Value (IDV)?

    The Insured Declared Value of the two-wheeler is the maximum sum of money that you will be eligible to receive in case your vehicle gets stolen or in event of a total loss. The IDV is calculated by determining the selling price of your two-wheeler and adjusting this amount for depreciation.

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    Two Wheeler Insurance Reviews

    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      The reason for talking the two wheeler insurance policy is because of the lowest premium when compared with the other policies apart from that they are offering with the good IDV value with this policy. I have no claim experience with this policy.
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      , mysore
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    • Bharti Axa Two Wheeler Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
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      , bangalore
      Reviewed on Jan 11, 2019
    • Bharti Axa Two Wheeler Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for taking the two wheeler policy with the BHARTI AXA GENERAL INSURANCE. I am not aware of the policy coverage for this insurance but the premium is nominal and also the IDV value is good. The process is very good and easy to get the policy.
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      , chennai
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    • Bharti Axa Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the life insurance policy with the BHARTI AXA GENERAL INSURANCE is that they are providing the customer service and also the benefits are better than others comparatively. The premium i have paid is best added don that the IDV value is very good.
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      , chennai
      Reviewed on Jan 06, 2019
    • Bharti Axa Two Wheeler Insurance
      "EXCELLENT"
      0.5 3.0/5 "Satisfactory"
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      , koppal
      Reviewed on Jan 04, 2019
    • Bharti Axa Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the two wheeler policy with the BHARTI AXA GENERAL INSURANCE is because it is the good policy so i have taken it. The premium i have taken is 1200k which is satisfactory also added don that the IDV value is satisfactory with this policy.
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      , vadodara
      Reviewed on Jan 03, 2019
    • Bharti Axa Two Wheeler Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the two wheeler insurance with the BHARTI AXA GENERAL INSURANCE. The premium i have paid is for five thousand rupees for two years tenuity. The policy coverage is for third party insurance. It is the good policy with simple documentation.
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      , chennai
      Reviewed on Jan 03, 2019
    • Bharti Axa Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I did not avail any of the service till now from the insurer and just have purchased the policy because it has lower premium from Bharti Axa. It is a first party insurance. The policy period is one year. There is no claim. I have paid the premium through online. I can give accurate feedback once I done a claim.
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      , bangalore
      Reviewed on Jan 03, 2019
    • Bharti Axa Two Wheeler Insurance
      "Better"
      0.5 5.0/5 "Blown Away!"
      I never contacted the customer service. The premium was lower with Bharti Axa for only this reason have purchased the two wheeler insurance. I have received the insurance paper. It is a first party insurance. I don't remember the premium and benefits.
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      , hyderabad
      Reviewed on Jan 03, 2019
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I took the two wheeler insurance from Bharti Axa through online channel. The customer service and response was good. I have no claim with them. The policy coverage and the plan benefits are average. The premium was normal when compared to others.
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      , neemuch
      Reviewed on Jan 03, 2019
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
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      , chennai
      Reviewed on Dec 29, 2018
    • Bharti Axa Two Wheeler Insurance
      "Needs a lot of improvement"
      0.5 3.5/5 "Pretty good"
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      , hyderabad
      Reviewed on Dec 28, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I just paid and got the insurance from Bharti Axa. There was no claim. It is one of biggest company in the insurance and there are some other reason behind it for purchasing the policy. I have received the document. I have taken the policy for one year and made the premium through online. I will know about the service completely at the time of availing the claim.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 25, 2018
    • Bharti Axa Two Wheeler Insurance
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The response was good from Bharti Axa and I did not claim anything. I have purchased the bike insurance last year via online. The premium was reasonable and its a first party insurance. I got a mail and SMS also as a reminder for the policy renewal.
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      , satna
      Reviewed on Dec 25, 2018
    • Bharti Axa Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have not used the customer service yet and there is no requirement. I have no claim till now. The policy coverage is average. While comparing online, I found low price with Bharti Axa and its a first party insurance. I have taken for one year and the payment was done online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 23, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I just bought this insurance for my vehicle as a mandatory. I think just looked at the price which is getting online and hence taken from Bharti Axa. It is a first party insurance. The IDV value is good and I don't have any claim experience. I got the insurance paper and downloaded it. I have no experience with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 23, 2018
    • Bharti Axa Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The premium is good with Bharti Axa and not sure about the benefits since it was purchased my daughter. We have not done a claim and got the insurance papers on time. The premium was paid through online. It is a new bike and they have offered an insurance for one year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 21, 2018
    • Bharti Axa Two Wheeler Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I had a two wheeler insurance with Bharti Axa. Premium is normal, I have done online comparison and found the service with HDFC Ergo. There is no claim and I got the insurance default by the showroom. I did not get call or msg for the policy renewal. I got good IDV value for new bike.
      Was this review helpful? 0
      , kanpur
      Reviewed on Dec 21, 2018
    • Bharti Axa Two Wheeler Insurance
      "Better"
      0.5 4.0/5 "Great!"
      The customer service and response was good with Bharti Axa. Actually I was searching for the two wheeler insurance through online and it has the nominal premium. The benefits are okay and I don't have any claim. I got the soft copy through mail for the insurance. It is a first party insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 21, 2018
    • Bharti Axa Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am happy with the Bharti Axa insurance. The customer service and response was good. I have not received the hard copy through postal but have got the soft copy. IDV value is average. The premium is low and am satisfied the service. The policy period is two years.
      Was this review helpful? 0
      , tumkur
      Reviewed on Dec 21, 2018
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