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Bharti AXA Car Insurance

Bharti AXA General Insurance Company Ltd (IRDA Reg. No. 139) is a joint venture between Bharti Enterprises, and AXA, a world leader in financial protection.

Bharti AXA General Insurance commenced national operations in August 2008 and currently has 87 branch offices across the country. Bharti AXA is the first organization in the general insurance industry to receive dual certifications of ISO 9001:2008 and ISO 27001:2005 within the first year of operations in 2009 and subsequently the certification has been renewed in 2012 for a further 3 years.

In 2014, Bharti AXA General Insurance has been awarded the Asia Insurance Industry award for the technology initiative and the Excellence award by the Institute of Economic Studies.

Features of Bharti AXA Car Insurance

  • Instant policy Hassle-free instant paperless renewal
  • 24/7 claim assistance
  • 3.5 Million policy issued

Key Benefits of Bharti AXA Car Insurance

  • Cashless Garage Network - 2500+ cashless garage across India
  • Special Add-on covers – Depreciation cover, No-Claim Bonus Protector, etc.
  • Claim settlement - Quick and hassle free claim settlement

Bharti AXA Private Car Insurance Coverage

Bharti AXA Private Car Insurance Policy can be tailor-made for any private vehicle to get insurance. The comprehensive policy by Bharti AXA Motor Insurance covers any Own Damage of the insured car or the policyholder and any liability loss or damage to the third-party property in case of an unfortunate accident or mishap.

Types of Coverage

Own Damage: This policy covers any damage or loss to the owner’s car due to any of the following things:

  • Accident Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft, Riots & Strikes and / or Malicious Acts and Terrorism
  • Earthquake, Flood Cyclone
  • Inundation Transit by Rail, Road, Air & Elevator

Third Party or Liability: The third-party policy is mandated by the Insurance Regulatory and Development Authority under the Motor Vehicle Act 1988.This policy is provided by Bharti AXA Private Car Insurance Policy which covers any injuries or property damages to the third party.

Personal Accident Cover: Sum Insured of Rs. 2 lakhs for the owner-driver in case of accidental death or permanent total disability on a premium of Rs.100

Optional Covers:

  • a) Passenger Personal Accident cover: With 100 Rs/person the passenger personal accident covers with a Sum Insured of Rs.2,00,000 for each of the occupants.
  • b) Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver

Add-on Features of Bharti AXA Car Insurance

Add-on cover includes Depreciation Cover, Hydrostatic Lock Cover, No Claim Bonus Protector, Road Side Assistance Cover, Invoice Price Cover, Consumables Cover, Engine and Gear Box Cover, Key Replacement Cover, Ambulance Charges Cover, Hospital Cash and Medical Expenses.

Depreciation Cover:

At the time of a settlement, the claim amount is reduced due to depreciation. The owner has to pay the costs of depreciable car parts despite the insurance. But Depreciation Cover helps avoid this. With this add-on cover, the owner gets the full amount without factoring the depreciation amount.

Key Features:

  • Beneficial for a vehicle less than 5 years old.
  • 100% repayment on depreciated parts during settlement.
  • Repair costs of durables like tyre(s), batteries, airbags, nylon, etc. covered.
  • Valid for 2 claims during the policy period.
  • Repaired at any Company’s Authorized garage

Specific Exclusion: a) Valid only for 2 admissible claims

Hydrostatic Lock Cover

If you are living in heavy rainfall or flood affected area and due to the water ingression your car’s engine may get damage, this is where this add-on cover come to rescue.

And under such cases, the engine fails to start due to water entering into it. Also, the water can cause major damage to the engine. The cost of repair or replacement of engine parts due to hydrostatic lock and ingression of water in engine is very costly. This major financial loss is not covered by the standard comprehensive policy but with this add-on cover the cost is covered for you.

Key Features:

  • Covers repair or replacement of engine parts damaged due to water.
  • Repair or replacement in our authorized garages across India.
  • Applicable for a vehicle less than 5 years old.
  • Covers the value of the parts replaced within 15 days from the date of loss.

Note: The insured should be the First Registered Owner and vehicle not more than 5 years from the date of start of cover.

Specific Exclusion:

    1. The depreciation costs in case of replacements and to be borne by the insured himself.
    1. If manufacturing defects or irregularities previously known by the insured.
    1. Consequential losses but not a result of “Water Damage” and normal wear, tear or negligence.

No Claim Bonus Protector (Same Slab Cover – Private Car)

With every year the No-Claim Bonus keeps increasing from 20% for the first no-claim year up to 50% for the 5th no-claim year. But if in case you make a claim in a single year, this may reduce to zero. To avoid this Bharti AXA offers No Claim Bonus Protector as an add-on cover.

With this add-on cover on your side, the company will retain the same percentage of no-claim bonus even if there are up to two claims during the policy period.

Key Features:

  • This add-on cover helps you to retain the same ‘No Claim Bonus’ for up to 2 claims during the policy period.

Note: In case of more than two claims in a period of two consecutive years, the No Claim Bonus will get down to zero.

Specific Exclusion:

  • The cover will cease to operate after one claim wherein the claim is not admissible.
  • In case of transfer of ownership the cover will cease with effective date of endorsement.

Road Side Assistance Cover

Many times while commuting or travelling one may experience an unpleasant event of flat tyre/s or empty fuel tank. This cover helps you with the right assistance in case you have an accident or a breakdown. This way you can plan any road trip or commute without worrying about the unpleasant events.

Key Features:

  • On road repair for minor breakdowns.
  • Change of flat tyre.
  • Replacement of a Lockout/lost key.
  • Provide emergency fuel.
  • Towing facility till the nearest garage

Note: All additional expenses regarding replacement of a part, additional Fuel and any other service which does not form a part of the standard services provided would be on chargeable basis. The Roadside Assistance Services provided will be 50 Kms radius of any office of Bharti AXA or city under coverage network of AXA Assistance.

Invoice Price Cover

You can add this valuable cover to make sure there’s no financial pothole in your pocket, in case car gets stolen or completely damaged beyond repair. You get the depreciated value – Insured Declared Value (IDV) of your car under the standard policy.

Key Features:

  • If you choose this add-on cover, you get the invoice value of the car along with the registration fees, road tax, and insurance.
  • Given the vehicle is covered up to 2 years from the date of registration .

Specific Exclusion:

  • a) Any electrical/non electrical and electronic/non electronic accessory(s) including any bi fuel kit forming part of the invoice but not insured under the policy.
  • b) If the vehicle is recovered within 90 days of the theft.

Consumables Cover

At the time of claims, the costs of consumables are not covered under the insurance policy. You can now save the money on such consumables at the time of claim. This add-on covers expenses towards consumables which are unfit for further use, arising out of damage due to an accident or any such event.

Key features:

  • The items covered include nut and bolt, screw, washers, grease, lubricants clip, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil
  • Valid for vehicles insured within 5 years from the date of registration.
  • The amount of the parts replaced will be reimbursed within 3 days from the date of loss.
  • All such costs to be supported with proper bills/invoices only from Garages authorized by the company. And such repairs to be undertaken within three (3) days of date of loss.

Specific Exclusion: a) Repairs/ Labour bills from Local Garages against these items.

Engine and Gear Box Cover

A mechanical breakdown that has caused damage to the engine and gearbox can leave you with a hefty repair bill. This cover offers you financial protection in case of consequential damage to the internal parts of the Engine & Gear Box due to the water ingression and/or leakage of lubricating oil which may cause damage to Engine or Gear box due to Accidental means. Repair or replacement shall be carried out in any of our Authorized Garages, spread across India

The claim shall be reported to the company, and the vehicle needs to be taken to garage immediately following the water receding.

Key Features:

  • Internal parts of the Engine are covered
  • Internal parts of the Gear Box are covered
  • Associated Labour charges are covered

Note: Repair or replacement shall be carried out in Bharti AXA Authorized Garages across India. And under this policy only one claim will be paid during the policy period.

Specific Exclusion: No claim will be paid if the repair is carried out before getting the approval from the company. Key Replacement Cover This add-on covers the cost incurred to replace the vehicle key if it’s lost or stolen. Reimbursement would be given for the lock as well if it is replaced, following the loss of the key.

Key Features:

  • The add-on covers the cost of making a new key.
  • The cost of the lock replaced if needed following the loss of the key is also covered. It is valid for up to 2 claims during a policy period.
  • The add-on covers a cost of up to of Rs 25,000 per claim.

Specific Exclusion: Maximum of two claims during one policy period

Ambulance Charges Cover

This add-on covers the charges towards transportation of the insured person in an ambulance to the hospital.

Hospital Cash

This add-on gives you a lump sum amount for each day spent at the hospital in case of an accident in the car. It provides a daily cash of Rs 1,000 per day when hospitalized for up to 30 days.

It is valid only for treatment by a registered practitioner.

Medical Expenses

This add-on provides a sum of up to Rs 10,000 for you and the passengers traveling in the car. This covers the medical expenses for the treatment of the injured person, in the case of an accident.

Discounts offered by Bharti AXA Car Insurance

Bharti AXA General Insurance offers many attractive discounts that the policyholder can avail.

  • No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.
No. Of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim settlement.

  • Bharti AXA General Insurance also offers a discount i) If you install an ARAI anti-theft device in your car ii) If you are member of Automobile Association of India.

Exclusions of Bharti AXA Car Insurance

  • Normal wear and tear
  • Depreciation of the car is not covered
  • Electrical & mechanical failure
  • If you drive the car outside India
  • If you are driving under the influence of alcohol or drugs
  • If the person driving doesn’t have valid driving license
  • Nuclear risks
  • If you use Vehicle for other purposes. Ex: If the private vehicle is used as Taxi.

How to Claim for Bharti AXA Car Insurance

Contact Details: Website: www.bharti-axagi.co.in

Email: claims@bharti-axagi.co.in

Toll-Free Number: 1800-103-2292

Required steps and supporting documents:

a) In case of Accident

  • Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Theft

  • Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Immediately contact Bharti AXA on their toll-free number 1800-103-2292-
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  1. The first things to make a claim is to call on Bharti AXA General Insurance’s Toll-Free Helpline number - 1800-103-2292

  2. Take appointment with the surveyor and take your vehicle to any of Bharti AXA General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor

  3. Company confirms liability

  4. If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable

  5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

  6. Vehicle Delivery

Review of Bharti AXA Car Insurance

With a wide network of more than 2,500 cashless garages across India, Bharti Axa offers 24/7 claims assistance with the most convenient and hassle free processing. Tailor-made plans on offer aimed to suit individual requirements and provide the most comprehensive coverage at crucial times. With so many uncertainties life has to offer, Bharti Axa can be your sure-shot way to deal with any accidents/damages related to your car.