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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 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.
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.
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.
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:
Personal accident cover for owner-driver
Type of Injury Compensation Level in case of personal accident cover for owner-driver
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.
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.
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 Years||Discount|
|One claim-free year||20%|
|Two consecutive claim-free years||25%|
|Three consecutive claim-free years||35%|
|Four consecutive claim-free years||45%|
|Five consecutive claim-free years||50%|
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.
Any claim would not be admitted under the below exclusions:
Toll free number: 080-49123900
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 firstname.lastname@example.org. 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.
Step 3: Finally the Claim Settlement:
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 email@example.com. 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.
Step 3: Finally the Claim Settlement:
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.
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
b) In case of theft
c) In case of Third Party claims