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Bharti Axa Bike Insurance Claim

Bharti AXA Bike Insurance

129 reviews Rate This
    Network Garages3,700+
    Claim Settlement Ratio88.54%
    AwardsDual ISO Certification
    Emergency Assistance24/7

    Bharti AXA Bike Insurance Claim

    Bharti AXA bike insurance policy has an impressive claim settlement ratio of 88.54% (in the financial year 2017-2018). It has successfully settled the claims of thousands of its policyholders through its seamless claim settlement procedure.

    List of Documents Required During Claim Settlement

    Following documents are required at the time of a claim settlement.

    • Duly filled and signed claim form
    • Self-attested Registration Certificate (RC)
    • Driving license of the person driving at the time of the accident
    • Policy copy
    • Original repair estimate, repair invoice and payment receipt for non-cashless claims
    • Original repair invoice for cashless claims

    How To Make a Cashless Claim?

    The claim settlement procedure of Bharti AXA bike insurance policy has been a seamless one as the policyholder needs to follow the following steps.

    Step 1: Contact your insurer and register the claim

    The first step to start the claim settlement process is to contact the insurer and register the claim by providing them all the necessary details such as place, location and time of the accident, details of witnesses (if collected) etc. You can contact the insurer by dialling their toll-free number 1800-103-2292. You can also mail them at claims@bharti-axagi.co.in

    Step 2: Inspection of damages

    After registering the claim, the insurer will send a surveyor to the location of mishap to inspect the extent of the damages incurred by the bike due to the mishap. After the inspection, you can take your bike for repairs.

    Step 3: Get repairs done

    After the survey of your bike, tow it to the nearest garage authorised by Bharti AXA General Insurance. You can also request the insurer to arrange for the towing service.

    Step 3: Claim Settlement

    The insurance company will pay the repair expenses at the garage. Pay compulsory deductibles and voluntary deductibles (if any) to the insurer and take your bike home!

    How To Make a Reimbursement Claim?

    If you take your bike for repairs to a garage other than the ones authorised by the insurer, then they will have to pay the repair expenses. After that, you can raise a reimbursement claim with the insurer. The process of reimbursement can be carried out by the following steps.

    Step 1: Contact the insurer and register the claim

    The first step to start the claim settlement process is to contact the insurer and register the claim by providing them all the necessary details such as place, location and time of the accident, details of witnesses (if collected) etc. You can contact the insurer by dialling their toll-free number 1800-103-2292. You can also mail them at claims@bharti-axagi.co.in

    Step 2: Assessment of damages

    A surveyor is sent to inspect the condition of the bike before it is sent for repair. Submit all the required documents to the surveyor at this stage.

    Step 4: Repair and Reimbursement

    Take your bike to a garage of your choice and pay for the repairs. Initiate a reimbursement process with the insurer. The bills and receipts of the repair have to be submitted along with the documents to the insurance company. The insurer checks all the details and calculates the reimbursement amount taking into account all the deductibles and depreciation. The company finally disburse the amount.

    Claim Rejection Reasons

    When you are seeking claim settlement from Bharti AXA Insurance Company, there are specific grounds that you need to consider so that your claim is not rejected. The insurer rejects a claim for the following reasons.

    • Registration of a fraud Claim
    • Misinterpretation of facts
    • Driving without licence or under influence of alcohol/drugs
    • Delay in intimation about the mishap to the insurer
    • Act of negligence.

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    111 Bharti Axa Cashless Garages in India

    Bharti Axa Bike Insurance Claim FAQs

    • What is meant by cashless claim?

      A cashless claim is a feature that is offered by every insurance company to shield its policyholder from the expenses of repair of the insured’s bike. In case of an accident of the insured’s bike or any other mishap, the policyholder can avail cashless claim by taking the bike to a garage partnered with the insurer. In such a situation, the insurer settles the expenses of repair with the garage directly on behalf of its policyholder. However, the claim amount does not include deductibles and depreciation.

    • What should I do if there is no cashless garage nearby?

      If there is no cashless garage available at your location, you can take your bike to any garage of your choice. You can later raise a reimbursement claim by providing required documents such as proof of repair, i.e. the bills and receipts given by the garage. The insurance company verifies the documents and bills, calculates the claim amount after factoring deductibles and finally disburse the amount.

    • How much time does Bharti AXA insurance company take to settle the claim?

      Bharti AXA General Insurance usually takes 7 days to settle a bike insurance claim. Though it might vary according to the conditions of the policyholders.

    • Do I need to file an F.I.R for claiming the insurance if my bike is stolen?

      Yes, providing an F.I.R lodged at the nearest police station serves as a mandatory document during the claim settlement process, in case of theft of the bike.

    • What happens if I repair my insured bike from a garage other than the company registered one?

      If you get your bike repaired at a garage other than a garage authorised by the insurer, you need to bear the expense from your pocket. However, you can register a reimbursement claim so that the insurer will compensate you against it.

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    Bharti AXA Bike Insurance Contact Details

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