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*TP price for less than 75cc two wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Bharti Axa Bike Insurance FAQs

Bharti AXA Bike Insurance

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Highlights
    Network Garages3,700+
    Claim Settlement Ratio88.54%
    AwardsDual ISO Certification
    Emergency Assistance24/7

    Overview

    • What are the benefits of getting bike insurance from Bharti AXA General Insurance?

      Taking a bike insurance is a must for every bike owner. Bharti AXA is a brand trusted by a majority of customers in the market. It features a network of more than 3,700 garages which enables it to offer cashless repair facilities to its policyholders seamlessly. Moreover, the insurer also provides a robust and supportive customer care team for all its policyholders.

    • What add-ons are provided by the company?

      The customers can extend their coverage by purchasing a wide variety of coverages such as No Claim Bonus Protector, Rider for Hydrostatic Lock, Zero Depreciation Cover, Key Replacement Cover, Engine and GearBox Cover, etc.

    • Do I have an option to customize my policy?

      Yes, there is customization available for Bharti AXA customers. You can customize your insurance policy with the help of various add-on covers. You can enhance your cover as per the needs and requirements.

    • What all are not covered in Bharti AXA life insurance policies?

      Bharti AXA will not admit your claim in a number of situations such as electrical or Mechanical breakdown, Normal wear and tear, incident taking place out of the geographical limitations, nuclear wars, any kind of illegal practise or intoxication.

    • I have a few queries regarding my policy, what should II do?

      Bharti AXA provides 24 hours customer assistance services. You can either register your complain on their official website, email your query on service@bharti-axalife.com, or contact through toll-free number 1800-102-4444. You can contact any time of the day and get resolution for your problems.provides 24*7 customer care assistance for its customers. You can contact by dialing the toll-free number 1800-102-4444 or email your query at service@bharti-axalife.com.

    User Reviews

      Third Party

      • Why do I need a third party insurance?

        Third party insurance is mandatory as per Indian Motor Tariff for every bike owner. A third party insurance insures you against the financial and legal liabilities which may arise towards a third party after a mishap involving your bike.

      • What is the coverage amount for the damage of property under Bharti AXA Third party insurance?

        In the case of third party property damage, the insurer provides compensation up to Rs.1 lakh to the third party on the behalf of the policyholder.

      • What happens in case of the death or disability of the third party?

        In the case of third party injury/death/disability, the Bharti AXA third party bike insurance provides partial or complete compensation. The compensation amount is decided in the court of law.

        Insurer’s Share In Compensation Under Third Party Bike Insurance

        Events Compensation Liability of Insurer Normal bodily injury, loss of one limb or one eye sight 50% Loss of both the limbs or both eye sights 100% Permanent disability/Death 100%

      • How can I purchase Bharti AXA Third Party bike insurance?

        You can purchase Bharti AXA Third Party bike insurance in the following ways: Traditional Method: You can visit the nearest branch to purchase the policy offline. Digital Platform: You can purchase the policy through its official website online or at InsuranceDekho. Call: The purchase of policy can be made by calling Bharti AXA General Insurance at 1800 102 4444.

      • How can I get more information about Bharti AXA Third party bike insurance?

        You can get more information about Bharti AXA Third party bike insurance through their official website or you can call on their official number which is 1800 102 4444.

      Comprehensive

      • How is a comprehensive bike insurance policy different from any other insurance policy?

        Bharti AXA Comprehensive bike Insurance Policy has some exclusive features that make it different from any other insurance policies, such as:

        • Both Own damage and Third party coverage in a single plan.
        • Availability of diverse add-on covers for customization of policy.

      • What is the ideal time to purchase Bharti AXA Comprehensive bike Insurance policy?

        An ideal time to get your Bharti AXA Comprehensive bike Insurance is when you purchase your new bike. However, you can opt for a Comprehensive Insurance policy for bike anytime you want. If you only have a Third-party bike insurance policy you can upgrade it to a Comprehensive Two wheeler insurance policy as well.

      • What does a Bharti AXA Comprehensive bike Insurance policy covers?

        A Bharti AXA Comprehensive bike Insurance policy provides coverage against all the legal liabilities arising due to an unfortunate event. It covers the policyholder against loss/own-damage incurred by the bike in any road accident, natural disasters, man-made disasters, fire, explosion, etc. Along with that, it also covers theft of the insured’s bike.

      • How is the premium on add-on covers determined?

        The premium for getting an add-on cover for your bike will be determined based on several factors such as age of the bike, model, your location, brand etc. You can visit the ‘Quick Quote’ section in the official website of Bharti AXA to get an estimated cost of the premium to get a particular add-on cover.

      • How can I get a comprehensive insurance policy for my bike from Bharti AXA?

        There are basically three ways to get a Bharti AXA Comprehensive bike Insurance. You can either visit the nearest branch/ dial toll-free number 1800-102-4444 or you can register online on the official website of Bharti AXA General Insurance to get your Comprehensive bike insurance policy.

      Zero Depreciation

      • How many times can I claim under Bharti AXA Zero depreciation cover?

        You can make up to 2 claims under Bharti AXA Zero depreciation cover.

      • Why do I need to get a zero depreciation cover?

        A zero depreciation cover shields the policyholder against the depreciation expenses incurred by his/her bike. This helps the policyholder get a higher claim amount a save a lot of money which he/she would have otherwise spent on replacing depreciated parts of the bike.

      • Is zero depreciation cover of Bharti AXA bike insurance available only for new bikes?

        Yes, the zero depreciation cover of Bharti AXA bike insurance can be availed by a new bike or a bike not more than 2 years old.

      • How can I purchase the zero depreciation cover?

        The zero depreciation add on can be purchased along with the Bharti AXA comprehensive as well as standalone own-damage bike insurance policy. The customers can get this add-on cover either by visiting the official website/calling the customer service number i.e. 7551196989. They can also go to their official website and purchase the cover.

      Claim

      • 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.

      Renewal

      • When do I need to renew my Bharti AXA bike insurance policy?

        Whenever you purchase a bike policy, its expiry date is mentioned in the document. The ideal time of renewal is when the policy is about to expire. Though you can renew your bike insurance policy within 90 days of the expiry date without an inspection, you will be penalised if caught driving a bike without a valid insurance policy.

      • Can I transfer No Claim Bonus from another company while shifting to Bharti AXA bike insurance?

        Yes, you can transfer No Claim Bonus from another company while shifting to Bharti AXA bike insurance.

      • What happens if I renew my bike insurance policy after 90 days of its expiry?

        On renewal of the bike insurance policy after 90 days of its expiry, you have to face the following consequences.

        • You can not use your No Claim Bonus of the previous policy
        • You need to go through an inspection by the insurance company
        • You will be penalised for riding a bike without a valid insurance policy.

      • Can I extend the things covered under the policy while renewing my previous Bharti AXA bike insurance?

        Yes, you can extend the coverage of your policy during renewal by including the add-on covers offered by your insurer along with the bike insurance policy. However, availing these add-ons will increase the premium amount.

      • What documents do I need for the renewal of my bike insurance policy?

        Since the online process of renewal of the bike policy is paperless, you do not need any documents. You need to provide the policy number and its expiry date in the online process. In case of the offline process of visiting the branch, it is advisable to carry the original documents of the previous bike insurance policy and a copy of Registration Certificate.

      Renewal

      • When do I need to renew my Bharti AXA bike insurance policy?

        Whenever you purchase a bike policy, its expiry date is mentioned in the document. The ideal time of renewal is when the policy is about to expire. Though you can renew your bike insurance policy within 90 days of the expiry date without an inspection, you will be penalised if caught driving a bike without a valid insurance policy.

      • Can I transfer No Claim Bonus from another company while shifting to Bharti AXA bike insurance?

        Yes, you can transfer No Claim Bonus from another company while shifting to Bharti AXA bike insurance.

      • What happens if I renew my bike insurance policy after 90 days of its expiry?

        On renewal of the bike insurance policy after 90 days of its expiry, you have to face the following consequences.

        • You can not use your No Claim Bonus of the previous policy
        • You need to go through an inspection by the insurance company
        • You will be penalised for riding a bike without a valid insurance policy.

      • Can I extend the things covered under the policy while renewing my previous Bharti AXA bike insurance?

        Yes, you can extend the coverage of your policy during renewal by including the add-on covers offered by your insurer along with the bike insurance policy. However, availing these add-ons will increase the premium amount.

      • What documents do I need for the renewal of my bike insurance policy?

        Since the online process of renewal of the bike policy is paperless, you do not need any documents. You need to provide the policy number and its expiry date in the online process. In case of the offline process of visiting the branch, it is advisable to carry the original documents of the previous bike insurance policy and a copy of Registration Certificate.

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                #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.