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Two Wheeler Insurance from Bharti AXA

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. Two Wheeler Insurance is the first step in this direction and Bharti AXA has the answer through its two wheeler insurance plans. Bharati AXA offers tow wheeler insurance cover for all bike models of various top manufacturers.

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

Two wheeler insurance from Bharti AXA offers that covers damages to the owner/rider and their bike at the same time protecting 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. Bharati AXA customers can have Hassle-free claim settlement for their two wheeler from any of the Cashless garages and in case of any query they can always touch base with the Customer Support which is available on a 24/7 basis.

Key Features of Two Wheeler Insurance from Bharti AXA

  • Long-Term Protection: This Company offers long-term two wheeler insurance for a period of 2 or 3 years
  • Online facility: This Company offers online purchase and renewal for your two wheeler insurance
  • Basic cover + Personal accident cover for passengers: 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: This Company offers essential add-ons for your bike at an affordable costs. These add-ons enhance your basic two wheeler insurance. Zero Depreciation cover, Personal accident cover for occupants, etc. to name a few
  • Comprehensive coverage: Offers a complete comprehensive coverage for your two wheeler

Key Benefits of Two Wheeler Insurance from Bharti AXA

  • Customer Service: Bharti AXA has an excellent team of customer service executives who offer good and hassle-free pre-sales as well as post-sales services
  • Claim Settlement: This Company has a very good record of claim settlement.
  • Cashless claim: This Company has more than 2500 cashless network garages.
  • 24/7 Claim Assistance: This Company has a set of dedicated claim handlers ensuring efficient claim settlement.
  • 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 3 year policy.

Two Wheeler Insurance Coverage from Bharti AXA

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 cover your bike sufficiently to protect it from theft, damage or accident.

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 will pay 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%

Add-on Features of Two Wheeler Insurance from Bharti AXA

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 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 another thing, where both the rider and the person sitting pillion is 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 Two Wheeler Insurance by Bharti AXA

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. 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 your are a member to any of the recognized Automobile Associations of India then it can fetch you an extra discount.

Installation of security device: If your two wheeler is fitted with an ARAI approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.

Exclusions in Two Wheeler Insurance from Bharti AXA

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 Two Wheeler Insurance from Bharti AXA

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

Our two wheeler insurance claim process is simple and hassle-free. In the event of an accident claim, you can avail cashless facility by choosing our cashless garage network. 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 would be released only post receiving the Satisfaction Voucher from the insured.

Step-by-step Reimbursement claim process

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
  8. Submit a cancelled cheque which is CTS complied or Filled NEFT Mandate to initiate 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 Two Wheeler Insurance from Bharti AXA

The complete package that Bharti AXA Two wheeler Insurance offers for your beloved bike with an enhanced protection through add-on covers gives you financial security when it comes to safeguarding your two wheeler. The surety of claims settlement and the ensuing peace of mind is unmatched. What's more, the company boasts of a strong network of cashless garages and competent after sales service. If you are one of those who believe and highly depend on excellent claim settlement and customer service, Bharti AXA Two wheeler Insurance should be your sure-shot choice.

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