Car insurance starting from Rs. 2072/year*
  • Save upto 75%*
    Lowest Car Premiums
  • 11.5 Lakh+
    Happy Customers
  • Claim Support
    7 days a week

*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

Bharti AXA Car Insurance

162 reviews Rate This
  • 3700+ Avail services at authorized cashless garages in India
  • 98.5% Impressive claim settlement ratio
  • A reckoned brand achieving dual certifications of ISO 9001:2008 and ISO 27002:2005
  • 24*7 Emergency assistance

About Bharti AXA

Bharti AXA General Insurance Company Ltd is a leading name in the insurance industry. The company is a joint venture between Bharti Enterprises and Axa Business Group. The alliance offers a bunch of insurance products to retail and commercial clients. Are you curious to learn about the company that holds the reins? Afterall, both Bharti Enterprises and Axa Business Group are business giants. In the alliance, Bharti Enterprises own 51% of the stakes while AXA enjoys the remaining 49%. Operations of the company commenced in India in August 2008. However, the alliance was first incorporated on 13th July 2007.

Bharti AXA General Insurance Company Ltd offers more than 50 different products. From car insurance, health insurance and home insurance to personal accidental insurance, travel insurance, two-wheeler insurance and more, the company caters to a wide sector of rural, retail and commercial clients.

The insurer offers 3 types of car insurance policies. These include third-party car insurance policies, standalone own-damage car insurance policies, and comprehensive car insurance policies. Apart from third-party car insurance policies, the other two can be purchased with add-on cover(s) for extended coverage. The company introduces an interface that helps selecting car insurance plans with ease. You can not only customize these car insurance plans, but also get them renewed and also keep tabs about the quoted car insurance premiums without any hassle at all. In a nutshell, Bharti AXA keeps up with the ongoing revolution in technology.

What is your car's brand?

When did you buy your car?
Have you made a claim in the previous year?

Benefits of Bharti AXA Car Insurance

  • Saves you from unforeseen financial crisis.
  • Third Party Liabilities are well covered.
  • Meet the expenses of legal fees and lawsuits in case of collisions.
  • Cruise through roads without any worry. As long as you have a car insurance, you will never be pulled up by cops.
  • Top Up Your Regular Insurance with Zero Depreciation Cover, also known as Bumper-to-Bumper.
  • Quick and prompt roadside assistance.
  • More than 3700 cashless network garages
  • A wide range of add-ons to pick from.
  • Bharti AXA is a brand you can trust. Vouch on the company’s credibility and get hands on the best insurance plan.

Bharti AXA Car Insurance Add-Ons

  • No Claim Bonus Protector

    If you proceed with a claim, your NCB accumulated over the years scales back to zero. Having this add-on is a great bonus. Even after you’ve made two claim in a given policy period, NCB value remains the same.

  • Road-Side Assistance

    Need help with our car in the middle of nowhere at the most odd hour? Don’t worry. If you’ve stepped your policy cover with a roadside assistance rider, facilities like towing, flat tyre repair, refueling and other emergency services will be provided.

  • Rider for Hydrostatic Lock

    if you reside in areas where there’s a lot of water-logging and floods, having this cover is only beneficial. The rider will cover for damages in the engine or engine parts. However, the rider can be availed only if the vehicle is less than 5 years in age.

  • Co-Passenger Cover

    Unlike ordinary policies, a co-passenger cover provide coverage for fellow passengers in the vehicle in case of injury, disability and death.

  • Zero Depreciation Cover

    The rider is valuable in all forms. No depreciation will be calculated on expenses related to replacement of plastic parts, rubber, fiber and glass parts.

Bharti AXA Car Insurance Claim Process

It's 8 step simple process,Hassle FREE
  • 1

    Intimate Your Insurer

    Call up Bharti AXA’s helpline number 1800-103-2292 and get your claim registered. Go visit the workshop and intimate the insurance company.
  • 2

    Show Up At The Workshop

    Drive your vehicle to the nearest workshop or get the car towed at the earliest.
  • 3

    Watch Out For The Survey Process To Start

    After intimation of the claim, a surveyor is appointed in 24-48 working hours.
  • 4

    Documentation and Processing

    Hand out the required documents to the insurer. DL, RC, Claim Intimation Form, Aadhar Card, Policy Copy, PAN Card and a Repair Estimate for instance.
  • 5

    The Survey is Done

    The surveyor wraps up the survey in 24-48 working hours.
  • 6

    Decision by The Surveyor

    After thorough survey, the surveyor either rejects or accepts the claim. Repair works continue only after approval.
  • 7

    Issuance of Delivery Order

    After all repair jobs are wrapped up, a final survey is done and a delivery order is issued.
  • 8

    Non Cashless – The Process!

    In case of non-cashless claims, you will need to bear the expenses of repair. The agreed claim amount will be reimbursed quick.

476 Bharti Axa Cashless Garages in India

Bharti AXA Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Most Helpful

Bharti AXA Car Insurance FAQs

  • How will I be benefited on choosing Bharti AXA as my car insurance partner?

    Bharti AXA is a leading name in the industry. You will enjoy getting hands on custom-made products, exclusively designed according to your needs.

  • Can I pay out premiums for my Bharti AXA policy in installments?

    Unfortunately No! According to section 64VB of the insurance act, 1938, policy-bearers must pay the entire insurance premium amount in advance.

  • If I want to add additional rider to my BAXA policy, how much extra should I pay out?

    There are quite a lot of factors on which pricing of add-ons depend. For instance, age of the vehicle, make, model and location. To sum up, Bharti Axa ensures affordable prices for all add-ons.

  • Can I expect a refund of premium, paid against my Bharti Axa policy?

    Please Note: Refund of premiums against car policies is solely at the discretion of the company. However, there’s a fair chance of getting premiums refunded only after the insurance policy is returned.

    **Carefully read the terms and conditions for a better understanding.**

  • What does a Bharti Axa Insurance policy does not cover?

    car insurance policy by Bharti Axa does not cover:

    • Mechanical and electrical breakdowns.
    • Obvious wear and tear due to aging of a vehicle.
    • Accidents done on purpose.
    • Collision as a result of driving under the influence of alcohol.
    • Damage to third party without a valid license.


    car insurance policy by Bharti Axa does not cover:

    • Mechanical and electrical breakdowns.
    • Obvious wear and tear due to aging of a vehicle.
    • Accidents done on purpose.
    • Collision as a result of driving under the influence of alcohol.
    • Damage to third party without a valid license.

Why to Buy Car Insurance Policy from InsuranceDekho?

  • Instant policy# within 5 mins
  • More than 11.5 Lac happy customers
  • Claim Support available all 7 days of the week

Bharti AXA Car Insurance Contact Details

For any assistance or query, call us on

Bharti AXA Wording Download

  • 170.4 kb
  • PDF Document
  • March 14,2019

Latest Car Insurance News


Every detail provided in this website is for information purpose only. Insurancedekho under no circumstances, endorse the information provided. However, we are constantly doing our best to keep our privileged customers up-to-date with neutral and factual information.

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