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Bharti AXA Two Wheeler Insurance

Everybody loves their bikes and like to ride it all the time. Proper care of the bike is the first thing that can one must always focus on. Opting for two wheeler insurance is the first step in this direction and Bharti AXA has the answers to all your insurance needs.Two wheeler insurance from Bharati AXA offers coverage on bikes across a wide range of models from top manufacturers..

Bharti AXA Two Wheeler Insurance has around 2500+ network garages all over India

Two wheeler insurance from Bharti AXA covers damages to the owner/rider and their bike, and at the same time protects the biker owner against any third-party liabilities. Two wheeler insurance plans from Bharati AXA also provide financial protection from losses caused due to accidents, theft and natural disasters. Bharti AXA is known for its hassle free claim settlement at any of their authorized garages and, in case of queries, policyholders can always touch base with the Customer Support that is available on a 24/7 basis.

Key Features of Bharti AXA Two Wheeler Insurance

  • Long-Term Protection: Bharti AXA offers long term two wheeler insurance for a period of 2 or 3 years.

  • Online facility: Bharti AXA offers online purchase and renewal for your two wheeler insurance.

  • Basic cover + Personal Accident cover for passengers: It offers a basic two wheeler insurance cover, along with Personal Accident cover, for an amount of Rs. 1 lakh for the co-passenger.

  • Add-ons: The insurance company offers essential add-ons for your two wheeler at an affordable rate. These add-ons enhance your basic two wheeler insurance from Bharti AXA. Zero Depreciation cover, Personal accident cover for occupants are the most effective add-ons in two wheeler insurance from Bharti AXA.

  • Comprehensive coverage: The insurance company offers a complete comprehensive coverage for your two wheeler.

Key Benefits of Bharti AXA Two Wheeler Insurance

  • Customer Service: Bharti AXA has an excellent team of customer service executives who offer quick and hassle-free pre-sales as well as post-sales services.
  • Claim Settlement: Bharti AXA is renowned for its healthy claim settlement ratio.

  • Cashless claim: Bharti AXA has more than 3,500+ cashless network garages.

  • 24/7 Claim Assistance: The insurance company has a competent team of dedicated claim handlers to ensure a smooth claim settlement process.

  • Discounts: Usually IRDAI increases the premium for third party each year. However, if you opt for a long term two-wheeler insurance cover, you get a discount of 10% for a 2-year policy and 20% for a 3-year policy.

Bharti AXA Two Wheeler Insurance Coverage

You can customize the Two wheeler Insurance Policy from Bharti AXA as per your bike’s requirement. It is important to understand the coverage before actually opting for a two wheeler insurance policy. It is essential to opt for an effective cover for your two wheeler to protect it from theft, damages and accidents.

Third-party Liability Insurance:

  • Covers bodily injury and /or death of a third party
  • Property damage to third party up to Rs.1 lakh
  • Personal Accident cover for owner driver

Comprehensive Insurance:

  • Third-party liability coverage
  • Loss and damage to the two wheeler due to an accident, theft, natural calamities, landslides, rockslides, terrorist and malicious activities, strikes and riots, house breaking, burglary, fire, self-ignition, explosion, etc.

Personal accident cover for owner-driver

  • Two wheeler insurance from Bharti AXA pays the sum insured of Rs. 1 lakh to the owner-driver of the insured vehicle, in case of permanent total disability or to the beneficiary in case of accidental death.
  • An accident can leave you impaired with no income and hamper your family’s earnings as well. Additionally, rising costs of medicines can rip off your entire hard-earned savings. In such traumatic and unforeseen situations, having a personal accident insurance would act like an income replacement.

Type of Injury Compensation Level in case of personal accident cover for owner-driver

  • Death - 100%
  • Loss of two limbs or sight of two eyes or one limb and sight of one eye - 100%
  • Loss of one limb or sight of one eye - 50%
  • Permanent total disablement from injuries other than named above - 100%

Eligibility for Bharti AXA Two Wheeler Insurance

Two wheeler owners who have registered his/her vehicle under their respective names with the Regional Transport Authority in India can buy two wheeler insurance from Bharti AXA.

Add-on Features of Bharti AXA Two Wheeler Insurance

Two wheeler insurance from Bharti AXA offers 2 unique add-on covers that offer an extra touch of protection at a minimal rate. These add-ons enhance your basic comprehensive insurance policy by paying an nominal additional premium.

Zero Depreciation Cover: This add-on cover offers depreciation waiver on metal and plastic parts in case of partial loss/claim. This cover ensures you get the entire claim amount without deducting the depreciation on the parts that are replaced.

Inclusion:

  • All plastic parts without depreciation.
  • All metal parts without depreciation.
  • The entire amount of all the parts of your bike that requires replacement are compensated in full.

Exclusion:

  • The amount of total deductible mentioned in the policy schedule.
  • Any damage caused due to mechanical breakdown and any uninsured peril.
  • Any damage caused to items that are uninsured, as per the policy wordings, like accessories
  • Any claim raised for theft of parts and/or accessories.

Personal Accident Cover for Riders:Roaming around the city on your prized possession is one thing and meeting with accident is quite another, especially when both the rider and the person sitting pillion are in danger. So, having a personal accident cover for riders is very important.

  • Offers compensation in case of temporary and permanent disability to the riders.

Discounts offered on Bharti AXA Two Wheeler Insurance

No Claim Bonus:You are eligible for a NCB discount on your own-damage premium for every claim-free year. It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current bike and purchase a new one.

The following table shows the NCB grid:

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 : A deductible is nothing but an amount that you need to pay during an accident or mishap. This deductible plays a major role in determining your two wheeler insurance premium. Higher the deductible, lower would be your two wheeler insurance premium.The higher the deductible, the lower would be your two wheeler insurance premium. If you know you are a safe and responsible driver, opt for a higher voluntary deductible. This will help in getting a cheaper two wheeler insurance.

Membership of AAI : If you are a member to any of the recognized Automobile Associations of India, you will usually be eligible for an extra discount.

Installation of security device: If your two wheeler is fitted with an ARAI approved anti-theft device, you will be able to avail an additional discount up to 2.5% on your own-damage premium.

Exclusions in Bharti AXA Two Wheeler Insurance

Any claim would not be admitted under the below exclusions:

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle is also damaged)
  • Driving without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the insured two wheeler is used for any illegal purpose
  • Usage outside geographical limits
  • Two wheeler is used for Hire or Reward, Carriage of Goods, Organized Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Claim Process for Bharti AXA Two Wheeler Insurance

Contact Details:

Website: www.bharti-axagi.co.in

Toll free number: 080-49123900

Email: claims@bharti-axagi.co.in

Step-by-step Cashless claim process

Bharti AXA two wheeler insurance claim process is simple and hassle free. In the event of an accident claim, you can avail cashless facility by choosing any of their authorized garages. The step-by-step process of cashless claim is mentioned below:

Step 1: Registering the claim: Intimate your two wheeler insurance claim by calling us at 1800-103-2292 (Toll free). You may also email at claims@bharti-axagi.co.in. Bharti AXA General Insurance Company’s customer service center will register the claim. You would be provided the claim registration number for your future reference regarding the claim.

Step 2: Send your vehicle for repair: Bharti AXA General Insurance Company has a network of more than 2500 garages. You may send your two wheeler to any of the empanelled garages with the Company for the repairs. The below mentioned documents should be sent along with the vehicle. The surveyors would conduct a detailed investigation at the garage.

  1. Duly filled and signed Original Claim form
  2. RC book
  3. Driving license
  4. PAN card copy of the person riding at the incident
  5. Policy document
  6. FIR if it’s a case of Third-party Injury or Property Damage or Partial Theft & Malicious activity.
  7. KYC documents in case the liability exceeds Rs.1 lakh

Step 3: Finally the Claim Settlement:

  1. Bharti AXA General Insurance Company will send the order to the garage where the vehicle is sent for repairs. However, this process would be done in case all the documents are as per the requirement.
  2. Post completion of the repairs of the vehicle, there are chances of re-survey by the surveyors.
  3. Bharti AXA General Insurance Company will issue a delivery order post receiving the repairing bill.
  4. The two wheeler will be released only post receiving the Satisfaction Voucher from the insured .

Step-by-step Reimbursement claim process

Step 1: Registering the claim: Intimate your Bharti AXA two wheeler insurance claim by calling us at 1800-103-2292 (Toll Free). You may also email at claims@bharti-axagi.co.in. for the company’s customer service center to register the claim. You would be provided the claim registration number for your future reference regarding the claim.

Step 2: Send your vehicle for repair: Bharti AXA General Insurance Company has a network of more than 2,500 garages. You may send your two wheeler to any of the empanelled garages with the Company for the repairs. The below mentioned documents should be sent along with the vehicle. The surveyors would conduct a detailed investigation at the garage.

  1. Duly filled and signed original claim form
  2. RC book
  3. Driving License
  4. Photocopy of PAN card of the person riding at the time of the incident
  5. Policy document
  6. FIR if it’s a case of third-party injury or Property Damage or Partial Theft & Malicious activity.
  7. KYC documents in case the liability exceeds Rs.1 lakh
  8. A cancelled cheque that is CTS complied for offline reimbursement or filled up NEFT mandate to initiate an online transfer

Step 3: Finally the Claim Settlement:

  1. Bharti AXA General Insurance Company will send the order to the garage where the vehicle is sent for repairs. However, this process would be done in case all the documents are as per the requirement.
  2. Post completion of the repairs of the vehicle, there are chances of re-survey by the surveyors.
  3. Submit the Original Repairing Bill & Money Receipt to Bharti AXA General Insurance Company with discharge voucher duly signed by the insured.

Review of Bharti AXA Two Wheeler Insurance

The complete package that Bharti AXA two wheeler insurance offers can be further enhanced through add-on covers. The surety of claims settlement and the ensuing peace of mind are unmatched. What's more, the company boasts of a strong network of cashless garages and competent after-sales service. A good claim settlement ratio, combined with competent customer service, Bharti AXA two wheeler insurance should be your sure-shot choice.

FAQs on Bharti AXA Two Wheeler Insurance

How expensive are add-on covers for two wheeler insurance from Bharti AXA?

Add-on covers that are available over and above the basic two wheeler insurance from Bharti AXA have been priced affordably. The costs depend on different factors like age of the two wheeler, make, model, location, among others. You can visit the ‘Quick Quote’ section in the official website of the insurance company and get an estimate of your premium for the basic plan as well as for the add-ons of your choice.

Can I get my No Claim Bonus (NCB) transferred if I want to change over to Bharti AXA two wheeler insurance?

Yes, if you are planning to change to Bharti AXA two wheeler insurance, the accrued discount on your No Claim Bonus must be transferred within 90 days of your renewal due date.

What are the documents that I have to submit during claim settlement with two wheeler insurance from Bharti AXA?

a) In case of accident

  • Immediately contact Bharti AXA on their Toll-Free number 1800-103-2292
  • Lodge a claim with completed and duly signed Claim Form
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Copy of driving license, policy document and RC book
  • Original bill containing the estimated expenses for repair or only invoice receipt for cashless service
  • Estimate bill, original invoice and payment receipt, in case of reimbursements

b) In case of theft

  • Immediately contact Bharti AXA on their Toll-Free number 1800-103-2292
  • Lodge the claim with Claim Form duly signed by the insured
  • Original keys with photocopies of driving license, policy document and RC book
  • Copy of FIR issued by the police
  • Form 28, 29, 30 and 35, duly signed by the insured
  • ‘No Trace Report’ of the insured two wheeler from the police

c) In case of Third Party claims

  • Immediately contact Bharti AXA on their Toll-Free number 1800-103-2292
  • Claim Form, filled in and duly signed by the insured, to request the claim
  • Copy of FIR issued by the police
  • Copy of driving license, policy documents and RC book of the insured two wheeler