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Bharti Axa Car Insurance FAQs

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

    Overview

    • 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 Bharti AXA 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 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?

      claim settlement. There are workshops widely spread all across the country where customers can settle their claims.

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      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.

    Claim

    • 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.

    Garage

    • How does Bharti AXA cashless garage facility function?

      In case of any loss or damage to your car, you should immediately inform your insurance company regarding the same. A surveyor will be sent by the insurance company to gauge the extent of damage caused to the vehicle. Thereafter, the insurance company would approve the claim and repair process will begin thereon at a listed garage. The company will directly settle the bill with the garage owner and you are not required to pay anything from your pocket except for deductibles.

    • What are the services and benefits offered by Bharti AXA cashless garages in India?

      Highlighted below are the services and benefits of Bharti AXA cashless garages:

      • 24X7 Availability of claim support
      • Availability of spot assistance as and when required
      • Simple, swift and hassle-free claim settlement process

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

      Once the Bharti AXA receives details regarding all the necessary claim documents alongside the original repair invoice, the claim request by the policyholder will get processed within the next 7 working days.

    • How many network garages does Bharti AXA General Insurance Company has in India?

      Bharti AXA insurance has more than 4800 network garages registered with them across the whole country.

    • What all documents do I need to submit to file for Bharti AXA cashless claim under the car insurance plan?

      You need to submit the following documents to file for Bharti AXA cashless claim:

      • Photocopy of the Car insurance policy
      • Claim form
      • Repair Bill
      • Valid RC
      • Driver License
      • Other documents (if asked)

    Third Party

    • Is it compulsory to purchase a third party liability insurance policy?

      Yes, it is compulsory to insure your vehicle against third party liabilities, as per the Motor Vehicles Act.

    • What if my insurance policy expires?

      Ideally, we would suggest you to renew your car Insurance policy before expiry so that there is continuity in your coverage. However, in case your policy has expired, don’t worry. Just visit www.insurancedekho.com and you can purchase a new policy within 5 minutes.

    • What if I lost my car policy documents?

      In case you lost your Bharti AXA car insurance policy documents you can request a duplicate copy of the same. You can either visit their office and get a duplicate insurance policy or you can ask them to email you the same and take a printout of your policy.

    • How can I renew my car policy?

      You can easily renew your car policy from company’s website or can contact the customer support team. Alternatively, you can also pay a visit to the nearest branch of the company, where you will be guided throughout.

    • What should I do after an accident?

      You should immediately inform the company and file an FIR at the nearest police station. Informing company will initiate claim settlement process. Final claim amount will be paid to third party.

    Comprehensive

    • 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.

    Renewal

    • What documents do I need while renewing my policy with Bharti AXA?

      You just need to provide your policy number and its expiry date to proceed with the renewal. You do not need any additional documents to renew your car insurance policy.

    • Money has been deducted from my account but I have not yet received the renewal confirmation email for my policy. What should I do?

      Be assured, in such a case, your money will be refunded back to the source. For any assistance you can contact the Bharti AXA at their 24x7 helpline (toll-free) number 1800-103-2292.

    • I have not filed any claim in the last tenure of my policy, will I get the NCB discount?

      Yes, in case of no previous claim, you are eligible for No Claim Bonus (NCB) discount. The amount of NCB discount increases with every claim-free year up to 5 years.

    • Can I extend my policy coverage while renewing my Bharti AXA car insurance?

      Yes, you can extend the coverage of your policy during renewal by including the add-on covers offered by your insurer along with the car insurance policy. However, availing these add-ons will increase the premium amount.

    • When do I need to renew my Bharti AXA car insurance policy?

      The ideal time to renew your car insurance plan is before its expiry date. Though you can renew your car insurance policy within 90 days of the expiry date without an inspection, you could be penalised if caught driving a car without an active insurance policy.

    Zero Depreciation

    • I have a 7-year-old car insured with a comprehensive policy, can I opt for a zero depreciation cover at the time of renewal?

      Unfortunately, you cannot avail the zero depreciation cover if your car is older than 5 years as Bharti AXA offers this add-on cover for cars up to 5 years of age.

    • Can I avail a zero depreciation add-on cover in between the tenure period of my policy?

      No, Bharti AXA Zero Depreciation Add-on cover can be availed only at the time of purchase of the insurance policy or at the time of renewal.

    • What are the items not covered under the zero depreciation add on?

      Items like bi-fuel kit, engine, consumables and uninformed modified accessories are not covered under zero depreciation add-on. The benefits of zero depreciation are not applicable in case of Constructive Total Loss, Total Loss and theft.

    • How much do I need to pay in order to avail Zero Depreciation?

      In order to purchase a Bharti AXA Zero Depreciation cover, you will need to pay an extra premium along with the standard comprehensive car insurance policy premium. The premium of this add-on cover is evaluated on the basis of factors such as car’s age, variant and model, IDV etc. You can call on the toll-free number 1800-103-2292 or visit the official Bharti AXA website for further details.

    • How can I buy the zero depreciation add-on cover?

      You can purchase zero depreciation cover either by calling the customer service number i.e. 1800-103-2292. They can also visit their official website and buy the insurance cover.

    Premium Calculator

    • What factors determine the premium of a car insurance plan?

      There are many factors which affect the premium of a car insurance policy such as Anti-Theft Devices, Insured Declared Value (IDV), Engine’s Cubic Capacity, City of Registration, No Claim Bonus (NCB), Age of the Owner, and so on.

    • What is the benefit of using a car insurance premium calculator?

      The car insurance premium calculator will help you find the accurate premium for your car insurance policy, get the correct IDV of your car, and pick an affordable car insurance plan with right decisions about car insurance.

    • Where can I find the car insurance premium calculator?

      You can find the best car insurance premium calculator to compute the premium and IDV at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

    • What details should I enter in the car insurance premium calculator?

      You will be required to enter details like make of the car, the model of the car, RTO location of the car, registration year of the car, etc., to find the right premium offered by the insurers for a car insurance plan.

    • Can I use the premium calculator to compute the premium for my old car?

      Yes, the premium calculator will help you get the premium offered by different insurance providers for new as well as old or used cars.

    Add On

    • Which add-on covers are offered by Bharti AXA company for its car insurance plans?

      The Bharti AXA provides a car insurance add-on cover is known as Depreciation Cover to be included in its car insurance policies.

    • When can I buy the Bharti AXA car insurance add-on covers?

      You can purchase the add-on covers either at the time of Bharti AXA car insurance policy purchase or during the car insurance policy renewal procedure.

    • Is it mandatory to opt for an add-on insurance cover?

      No, it is not mandatory to include an add-on cover in your car insurance plan and it is purely up to the policyholder to opt for an add-on cover or not.

    • Do I need to pay additional premium to avail add-on covers?

      Yes, you will have to pay for a little extra amount of premium to include an add-on cover in your car insurance plan and avail it. The cost of add-on cover is specified in the policy document or online purchase portal of the insurer.

    • How many add-on covers can I opt for at a time?

      There is no limit on the number of add-on covers which you can include in your car insurance policy at a time. Hence, you can opt for as many add-on covers as you want in your insurance cover at a time.

    Policy Download

    • How can I download Bharti AXA car insurance policy online using the policy number?

      You simply need to visit the official website of Bharti AXA general insurance company, and from there select the ‘Customer service’ option. On the displayed web page, fill in information regarding the policy number, birth date of the policyholder and click on ‘Submit’. Now, from here you can easily download your policy number.

    • How do I get a duplicate copy of my Bharti AXA car insurance policy?

      If you have somehow lost or misplaced your car insurance policy, then you can either go to the official website of Bharti AXA and download the insurance plan document from there in the PDF format. Or else, you can also contact Bharti AXA customer care executive at 1800 103 2292 (toll free number) to get a duplicate copy of your policy.

    • How can I make corrections or necessary changes to my Bharti AXA car insurance policy document?

      To make the changes, simply call Bharti AXA customer care helpline number at 1800 103 2292 (toll free number), and request them to make the necessary changes. After the changes are made, the company will issue an update policy document to you.

    • What is the Bharti AXA car insurance policy document?

      Bharti AXA car insurance policy document basically means an insurance proposal form, containing important clauses of the car insurance plan in detail including policy schedule, inclusions of the plan, exclusions of the plan, policy duration and other necessary information. It basically serves as a legal contract between the policyholder and the insurance company.

    • How can I buy and download my Bharti AXA Car insurance plan online?

      You simply need to visit Bharti AXA General insurance company, and then select the option to buy car insurance. Fill in all the necessary details such as mobile number, registration number, and email-ID. Then, choose the desired plan based on your requirements and budget, afterwards upload the scanned documents. Confirm your purchase and make payment for premium. The policy will get issued to you within a few minutes and will be sent at your registered email-id, from there you can easily download your insurance policy.

    Own Damage

    • How is the premium calculated for Bharti AXA own damage insurance?

      The premium for Bharti AXA own damage insurance is calculated based upon factors such as:

      • Model and Make of the car
      • Age and IDV of car
      • Profession and car owner’s age
      • Add-on cover
      • Installed safety equipment
      • Registration location of car

    • What does Bharti AXA Own damage not cover?

      The Bharti AXA own damage insurance does not offer coverage for the following:

      • Damage to car by driver, who does not have a valid driving license
      • Damages caused because of nuclear attack or war
      • Depreciation of vehicle’s value
      • Electrical and mechanical breakdown of the car
      • Damage or loss to third party property or person in an accident
      • Damage to car while driving under the influence of alcohol or drugs

    • What are the documents required to make an Own Damage Claim?

      You need the following list of documents:

      • FIR Report
      • Insurance policy copy
      • Driver’s license copy
      • Car RC
      • Repair estimate
      • Certificate of No Claim
      • Photos and other proofs of the incident
      • No claim certificate

    • Is it compulsory to purchase Own damage insurance for my car?

      No, purchasing an own damage insurance is not mandated by law. However, as per Indian Motor Tariff act, it is necessary to buy a third party liability insurance for your car.

    • What all is covered in Bharti AXA own damage insurance?

      Bharti AXA own damage insurance provides coverage against damage to car due to accident,or any mishap, theft of own car, etc.

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