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All About Bharti AXA Two Wheeler Insurance Plans

Published On Oct 28, 2020

Bharti Axa is one of the main two-wheeler insurance companies. Here we have listed how to make a claim, add-on covers, types of coverage offered by Bharti Axa. It is important to understand for you.

Bharti AXA General Insurance Company Ltd. has been catering to the insurance needs of thousands since 1976. Over the years, the company has introduced various customizable insurance plans suitable for the different needs of policyholders. The company has enlisted its name among the top insurance providers in the country with its undisrupted customer care support, a wide network of cashless garages and easy procedures. Here goes a detailed overview of Bharti AXA two-wheeler insurance.

Types Of Coverage Offered By Bharti AXA Two-Wheeler Insurance

Bharti AXA offers three two-wheeler insurance plans to its policyholders. The three types of plans are mentioned below:

1. Third Party Cover

Bharti AXA third party insurance plan provides coverage for all third party liability including property damage incurred due to the insured’s two-wheeler. This mandatory policy covers the cost of third party property damage up to Rs. 1 lakh.

2. Standalone Own Damage Cover

It covers the cost incurred in repairing the own-damage inflicted on the policyholder’s two-wheeler due to any mishap, theft or natural calamities.

3. Comprehensive Insurance Cover

Under Bharti AXA comprehensive insurance policy, the insurer bears the cost of both third party liabilities as well as own damage of the insured’s bike.

Key Features Bharti AXA Two-wheeler Insurance

The insurance policies offered by Bharti AXA has several beneficial features. Here are some of them:

  1. It offers 360° protection with a comprehensive insurance policy at a reasonable premium.
  2. It provides long-term policies of up to three years.
  3. It offers cashless servicing at 3500+ network garages.
  4. It offers No Claim Bonus discounts on the premium on not filing a claim during the policy period.
  5. It has made policy purchase and bike insurance renewal easy with its online services.

Add-on Covers Offered By Bharti AXA Two-wheeler Insurance

Bharti AXA offers the two add-on covers along with its comprehensive two-wheeler policy for maximum coverage. Here are the two add-on covers:

1. Zero Depreciation Cover

Bharti AXA's Zero Depreciation Cover add on prevents the deduction of the depreciation value of the vehicle by the insurance company during claim settlement. Note, this add-on is applicable to vehicles up to 5 years of age.

2. Personal Accident Cover

Personal accident cover is a compulsory add-on included in both third-party and comprehensive policies whereby the policyholder receives Rs. 15 lakhs in case of death or permanent disability.

How To Make A Claim Under Bharti AXA Two-wheeler Insurance?

Bharti AXA offers both cashless claim settlement and reimbursement claim. Here is how you can make a claim.

You can make a cashless claim by following the below-mentioned steps:

Step 1: Register your claim by informing Bharti AXA about the incident and receive a claim registration number.

Step 2: The insurance company will arrange an inspection of the vehicle.

Step 3: Take your two-wheeler to the nearest cashless garage.

Step 4: The insurance company will make the payment directly to the garage.

You Can Make A Reimbursement Claim By Following The Below-mentioned Steps:

Step 1: Inform the insurer about the mishap.

Step 2: The insurer will send a surveyor to evaluate the damage incurred by the two-wheeler.

Step 3: Take the two-wheeler to your preferred garage and pay for the repair.

Step 4: Collect the bills from the garage and submit to the insurance company along with other required documents.

Step 5: The insurance company will verify the claim and reimburse the amount.


With online services, cashless facility and customizable insurance covers, Bharti AXA guarantees to provide thorough protection to the policyholders and their two-wheelers. Renew it on time and enjoy the lucrative discounts on premium with Bharti AXA two-wheeler insurance policy.

You May Also Like To Read:

Own Damage Two Wheeler Insurance

Two Wheeler Insurance Add-ons

Bike Insurance Details by Registration Number

Fine for Driving Two Wheeler Without Insurance

How to Get Duplicate Two Wheeler Insurance Copy Online

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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