Bharti AXA Car Insurance

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Highlights
  • 3700+ Avail services at authorized cashless garages in India
    Check in your City
  • 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 offer a bunch of insurance products to retail and commercial clients. Are you curious to learn about the company that hold the reigns? 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. Before delving in further, let’s have a fair understanding of the companies in alliance. AXA Group is a known international body dealing with international insurance and asset management. Bharti Enterprises on the other hand, is one of the top leaders in business. The company has shown much interest in the fields of agro business, telecom, manufacturing, retail and financial services.


Bharti AXA General Insurance Company Ltd offer more than 50 different products. From car insurance, health insurance and home insurance to personal accidental insurance, travel inusurance, two-wheeler insurance and more, the company caters to a wide sector of rural, retail and commercial clients. Headquartered in Mumbai, the company enjoys presence in more than 100 locations in the country. Cherry on the cake – Bharti AXA is the first company among all leading names to win dual certifications of ISO 9001:2008 and ISO 27001:2005.


The company introduces an interface that helps selecting car insurance plans a piece of pie. You can customize it, get renewals done and also keep tabs about the quoted premiums without any hassle at all. In a nutshell, Bharti AXA keeps up with the ongoing revolution in technology.

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.

  • Key Replacement Cover

    In case the key to your vehicle is lost or stolen, having this rider comes in handy. It covers for the lost key. However, claims can be made only twice in the given policy period.

  • Medical Cover

    This add-on ensures that in events of injury during an accident, medical expenses of upto Rs.10000 will be provided for the owner-driver and co-passengers.

  • Ambulance Charges

    This is an add-on that covers for the expenses of transportation via ambulance.

  • Hospital Cash

    On being hospitalized in case of an accident, you can avail Rs.1000 everyday for up-to 30 days of hospitalization.

  • Engine and Gear Box Cover

    Damages in the engine of a vehicle or the gearbox is undeniably a costly affair. This rider ensures that expenses of such repair-works are covered by the insurance company.

  • Consumables Cover

    The rider ensures that expenses of consumables like nuts, oil, bolts and others are paid by the company.


    **Conditions are subjected to change depending upon the insurance company**

Bharti AXA Car Insurance Claim Process

  • 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.

Bharti AXA Car Insurance User Reviews

  • Excellent communication by the operator. I received full support from during the process

    R
    On: September 12, 2019 | Views
  • Helpful way to get policy with very good assistance.

    R
    On: September 5, 2019 | Views
  • Received information about all the best available offers. This helped in purchasing the right policy for my car. Thanks.

    S
    On: September 2, 2019 | Views
  • Excellent service.

    A
    On: September 2, 2019 | Views
  • InsuranceDekho has a great support team. They helped with all my queries.

    J
    On: September 2, 2019 | Views

Bhart AXA Car Insurance FAQ's

  • 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.
  • My Bharti AXA car insurance has expired during renewal – what should I do?

    If your car insurance policy has expired, it naturally become a break-in case. Under such circumstances, the vehicle must be inspected before a new policy is issued.

  • What is ‘Constructive Loss’ in Bharti AXA?

    Constructive Loss is a professional term used to describe accidental loss of an insured vehicle in circumstances of total loss that is 75% of the IDV.

  • Does Bharti AXA car insurance policy offer direct settlement?

    Bharti Axa does offer benefits of direct claim settlement. There are workshops widely spread all across the country where customers can settle their claims.

  • I want to request for a claim on my add-on. How do I proceed with it?

    Requesting for claims against add-ons is pretty much similar to a standard claim settlement process.

  • How can I request for a duplicate policy copy from Bharti AXA in case I lose my policy?

    It’s not much of a trouble to begin with. Simply drop in at the nearest branch along-with a written letter requesting for issuance of a duplicate policy copy. Please Note: You might be charged with a nominal fee.

Bharti AXA Car Insurance Contact Details

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Bharti AXA Wording Download

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  • March 14,2019

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