Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
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 Comprehensive Car Insurance Policy

383 reviews Rate This
Highlights
    Network Garages5,200+
    Claim Settlement Ratio87.99%
    Emergency AssistanceAvailable 24/7
    Policies Issued2 crore+
    AccreditationDual ISO Certification
    Presence135+ branches

    Bharti AXA Comprehensive Car Insurance

    A third party liability cover only serves a limited purpose. In order to run your car on streets without any fret of uncertain expenses, you must purchase Bharti AXA Comprehensive car insurance plan. A comprehensive policy, apart from covering third-party liabilities, also insures your car against damages occurred in an accident. The policy includes insurance coverage against road-mishap, vandalism, damages incurred due to natural and man-made calamities, riots and social unrest. It also insures policyholder against injury/death happened in an accident.

    Although, purchasing a comprehensive car insurance plan is not mandatory under law but that does not mean it isn’t necessary. It saves you from spending a hefty sum after the occurrence of an accident. Moreover, one can also purchase add-on coverages like NCB protection, No Cost Depreciation and many more to cover things, which are usually excluded from the standard car insurance policy. These add-ons serve well and can be availed by paying an extra premium.

    Bharti AXA Comprehensive Car Insurance vs Third Party Car Insurance

    Basis

    Comprehensive Car Insurance

    Third Party Car Insurance

    Coverage

    Comprehensive car insurance provides coverage for both - third party liabilities as well as own damages incurred by the insured’s car.

    Third party car insurance provides coverage only for third party liabilities which may arise due to a mishap involving the insured’s car.

    Add-ons

    Various add-on covers such as Zero Depreciation Cover, Engine Protection Cover, Road Side Assistance Cover etc. can be opted for with this plan.

    No add-on covers are available to the policyholder with this plan.

    Premium

    It ensures extensive coverage, therefore the premium is relatively higher.

    It provides limited coverage, therefore premium is relatively lower.

    Nature of Requirement

    It is optional but a recommended plan.

    It is a mandatory requirement as per Indian Motor Tariff.

    What All Is Covered Under Bharti AXA Comprehensive Car Insurance Plan?

    The comprehensive Insurance policy offers an extensive range of coverage so that the policyholder stay covered under all the events that result in incurring a lot of damage. It offers financial support against all kinds of damages caused to the insured’s car as well as third party vehicle or property. It provides coverage to the insured during the following situations:

    • All third party liabilities - bodily injury, death and property damage (up to Rs. 1 lakh), arising out of an accident/mishap caused by the insured’s car.
    • Own-damage incurred by the insured’s car in the following scenarios:

    - Road accidents

    - During travel by road, rail, water or air

    - Natural calamities like earthquake, floods, etc.

    - Man-made disasters like riots, strikes, etc.

    - Fire/Explosions

    - Theft.

    What All Is Not Covered Under Bharti AXA Comprehensive Car Insurance Plan?

    There are various instances where the policy becomes invalid. Your Bharti AXA Comprehensive car Insurance Policy will not provide insurance coverage in case of following situations:

    • Regular wear and tear - Depreciation is a natural phenomenon that occurs with every car after a certain point of time. The car incurring loss due to regular wear and tear is not covered under the Bharti AXA comprehensive car insurance policy.
    • Illegal Activity - In case the driver was caught performing illegal practises such as underaged driving or driving without a license and involved in an accident, then all the damages caused will not be covered under the insurance policy.
    • Driving under intoxication - If the driver was driving under the influence of alcohol or drugs at the time of the accident, then these kinds of activities will not be covered under the policy.
    • Driving outside the geographical arena - Your comprehensive insurance policy is applicable under a geographical limitation under which the insured should drive to stay covered. Otherwise, the coverage will not be provided.

    Bharti AXA Comprehensive Car Insurance Benefits

    Insuring your vehicle with a comprehensive insurance policy comes with a wide array of benefits. The key benefits are as follows:

    • Sum Insured depends on IDV of your vehicle, while claim amount depends on the damages incurred.
    • A comprehensive car insurance policy has a wide coverage range. Besides covering third-party liabilities, it also covers your vehicle against damages and also insures the policyholder.
    • One can also purchase a number of add-on coverages which can be used alongside the standard insurance plan. These add-ons offer additional coverage to things, which are generally excluded from a standard car insurance policy.
    • One is also entitled to a discount called No Claim Bonus (NCB) if he/she has not filed any claim during the insurance period. Moreover, NCB accumulates over the passage of claim-free years up to 5 years and the maximum discount that can be availed is 50%.

    Calculate Your Car Insurance

    Select your car's brand
    • Maruti
    • Hyundai
    • Honda
    • Toyota
    • Mahindra
    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    20062019
    Have you made a claim in the previous year?

    Bharti AXA Comprehensive Car Insurance Claim Process

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

      Inform the insurer

      The first step is intimating the company about the accident and furnishing them with necessary details like registration number of other vehicle (if involved) and witnesses (if any).
    • 2

      Claim number

      Insurer will send you a claim number and a representative will explain to you further process.
    • 3

      Lodging FIR

      An FIR is to be registered in local police station in case of injury/death, theft of vehicle and damages incurred to third party
    • 4

      Repair in workshop

      A surveyor will be arranged by insurer and he/she will inspect the vehicle, which needs to be driven or towed to suggested workshop
    • 5

      Claim settlement

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

    Must Read Articles before buying Bharti Axa Car Insurance

    Bharti AXA Car Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Most Helpful
    • Compare
    • Price
    • Cashless Garages
    • Comprehensive
    • Claim
    • Renew
    • Premium
    • Add On
    • Budget-friendly plans

      I wanted to buy a budget-friendly plan for my Toyota Camy which could fit my pocket well. I visited the Insu...

      Read More
      N
      By Nimesh Kumar
      On: June 22, 2022
    • Helpful plan

      The Bharti AXA car insurance plan that I bought for my Renault Duster is quite a helpful plan. The plan insu...

      Read More
      V
      By Vinay Kumar
      On: June 15, 2022
    • The reminder feature

      The InsuranceDekho website has a reminder feature for its users. I bought the Bharti AXA car insurance plan ...

      Read More
      S
      By Suraj Kumar
      On: June 10, 2022
    • Varied plans

      There are a lot of plans available on the InsuranceDekho website. I recently visited their website and bough...

      Read More
      A
      By Aditya Gautam
      On: June 3, 2022
    • Variety of plans

      There are a lot of plans available on the InsuranceDekho website. I recently visited their website and bough...

      Read More
      V
      By Vivek Sharma
      On: May 30, 2022
    • Reminder feature

      The InsuranceDekho website has a reminder feature that works wonders. I recently bought the Bharti AXA car i...

      Read More
      U
      By Umang Kapri
      On: May 25, 2022
    • Budget-friendly plans

      I wanted to buy a budget-friendly plan for my Toyota Camy which could fit my pocket well. I visited the Insu...

      Read More
      N
      By Nimesh Kumar
      On: May 20, 2022
    • Reminder feature

      The InsuranceDekho website has a reminder feature that works wonders. I recently bought the Bharti AXA car i...

      Read More
      U
      By Umang Kapri
      On: May 13, 2022
    • Availability of add-on covers

      Along with a good amount of plans, the InsuranceDekho website also has a list of Add-on covers with them. Wh...

      Read More
      V
      By Vinod Kumar
      On: May 9, 2022
    • Top insurance companies listed

      The InsuranceDekho website has a list of all top car insurance plans. Out of all those, I chose the Bharti A...

      Read More
      V
      By Vishal Gupta
      On: May 2, 2022

    618 Bharti Axa Cashless Garages in India

    Bharti AXA Comprehensive Car Insurance FAQs

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

      Bharti AXA Comprehensive Car Insurance Policy has some exclusive features that make it different from any other insurance policies. The comprehensive plan includes both own-damage and third party coverage in a single plan and offers diverse add-on covers for customization of policy.

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

      The premium for getting an add-on cover for your car will be determined based on several factors such as age of the car, 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.

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

      An ideal time to get your Bharti AXA comprehensive car insurance is when you purchase your new car. However, you can opt for a comprehensive insurance policy for a car anytime you want. If you only have a third-party car insurance policy you can upgrade it to a comprehensive car insurance policy as well.

    • What does a Bharti AXA comprehensive car insurance policy covers?

      A Bharti AXA comprehensive car 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 car in any road accident, natural disasters, man-made disasters, fire, explosion, etc. Along with that, it also covers theft of the insured’s car.

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

      There are basically three ways to get a Bharti AXA comprehensive car Insurance. You can either visit the nearest branch or call at the toll-free number 1800-103-2292 or you can register online on the official website of Bharti AXA General Insurance to get your comprehensive car insurance policy.

    must dotmust graphics

    Why to buy from InsuranceDekho?

    • Instant policy # within 5 mins
    • More than 45 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:

    Car Insurance News

    • Latest
    • Popular

    Partner Car Insurance Companies

    Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

    Calculate your Car IDV

    Cashless Garages in Popular Cities

    CityNo of Garages
    Mumbai177
    Pune142
    Chennai131
    Ahmedabad108
    Hyderabad103
    Lucknow99
    Jaipur62
    View All
    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.