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Bharti Axa Car Insurance Claim

Bharti AXA Car Insurance

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  • 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

Bharti AXA Car Insurance Claim Process


An insurance claim is raised by a policyholder to the insurance company to compensate for the damages caused after an accident. A policyholder needs to pay a certain sum as premium every year to be eligible for claim. Claim settlement is a thorough procedure through which policyholder gets his claim processed. A smooth and easy claim settlement process goes a long way in ensuring customer satisfaction and retention.

Documents required for cashless and reimbursement claims

The following documents are mandatory for claim settlement:

  • Self-attested registration certificate
  • Valid Insurance policy
  • KYC Document (For loss above INR 1Lakh)
  • Driving license
  • Original claim form to repairer or surveyor for verification against the originals

Claim Rejection Reasons

1. Accidents due to negligence of the policyholder

If the accident has happened due to policyholder’s negligence and carelessness, the insurer may not approve the claim.

2. No medical aid availed at the first hour of the injury

It is necessary to get medical aid as soon as possible after the accident, otherwise, the company may question the reason and can also refrain from rendering claim.

3. Expired policy

The company is not entitled to cater to the claim amount if the policy is not active. One needs to renew his/her car insurance policy within the stipulated time period.

4. Giving false information in the policy

Hiding any detail or giving false information in the policy document often results in wiping out the benefit of the insurance.

5. No proof of the accident

If you fail in establishing the fact that the damage is caused by an accident or if there is no sufficient evidence, then the company will not initiate the claim.

Bharti AXA Car Insurance Claim Process

It's 5 step simple process,Hassle FREE
  • 1

    Intimate the insurer

    Initiate cashless claim process by intimating company about the accident and provide them with necessary details like registration number of the other vehicle involved in the accident.
  • 2

    Receiving claim number

    You will receive a claim number from company and a representative will explain to you the claim settlement process.
  • 3

    Repairing of the car

    Take the vehicle for repairs to the garage suggested by the company.
  • 4


    The company will arrange a surveyor for the inspection of vehicle and you also need to submit relevant documents to company’s nearest branch or send them to the Head office.
  • 5

    Claim settlement

    After completion of documentation and necessary formalities, payment will be made by company directly to the garage.

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476 Bharti Axa Cashless Garages in India

Bharti AXA Car Insurance Claim FAQs

  • How can I initiate a claim?

    To initiate a claim, you need to inform the company about the accident. You can do so via calling its toll-free number/mailing/paying visit to the nearest branch.

  • Where do I need to submit the documents?

    The necessary documents should be submitted to the company’s nearest branch. Alternatively, you can also courier the document of the Head Office.

  • How much time does it take to settle the claim?

    Bharti AXA tries to settle the claims in a maximum of 5 working days from the date of receipt of the last pending document. However, it may take a few more days in case of a prolonged investigation.

  • Will I get the entire claim amount?

    Yes, if you have the zero dep add-on cover over your standard policy. Whereas, the company factors the depreciation from the claim amount in the absence of Zero Dep cover.

  • To whom will the claim amount will be paid?

    In case of cashless claim settlement, the claim amount is paid directly to the garage after the repair of the vehicle. Whereas in reimbursement claims the amount is first paid by the policyholder, who is later reimbursed by the company.

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Bharti AXA Car Insurance Contact Details

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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.