Bharti AXA Two-Wheeler  Insurance 

In 2008, Bharti Enterprises and Axa Group created a joint venture to form Bharti Axa General Insurance Company Limited. The stake percentages were 49 and 51 percent, correspondingly. It is the only firm to gain dual ISO certification within the first year of existence, 2009. These certificates were later updated for another three years in 2012. 

With 87 locations around the country, this pioneering insurance firm is recognised for providing premium Car Insurance, Two wheeler Insurance, travel insurance, and health Insurance solutions to fulfill the diverse needs of its consumers. It provides vehicle and two-wheeler insurance at a low cost under motor insurance. Bharti AXA’s insurance products are not only comprehensive, but also customized to give the finest financial protection to each customer. The claim settlement ratio is also 98.27 per cent. 

Despite being a cautious rider, a bike owner may never predict what disasters he or she would encounter both on and off the road. As a result, it is critical for every two-wheeler operator to insure his or her vehicle with a comprehensive insurance policy that covers the vehicle as well as third-party liabilities. Taking all of this into account, Bharti AXA offers a variety of unique two-wheeler insurance packages for a variety of purposes that are tailored to the shifting requirements and desires of two-wheeler owners. 

List of Best Bharti AXA Two-Wheeler Insurance

Everyone has various demands and wishes regarding their motorcycle insurance. Bharti Axa Bike Insurance allows you to personalize your coverage to meet your specific needs. Before purchasing a two-wheeler insurance policy, it is critical to understand the coverage. To protect your two-wheeler from theft, damage, and accidents, you must choose an appropriate cover. 

Liability Insurance for Third Parties: 

  • Third-party bodily injury and/or death is covered. 

  • Damage to a third party’s property up to Rs.1 lakh 

  • Owner driver’s personal accident insurance 

Insurance that covers everything: 

  • Liability insurance for third parties 

  • Accidental loss and damage to a two-wheeler, theft, natural disasters, landslides, rockslides, terrorist and malicious operations,

    strikes as well as riots, breaking and entering, robbery, fire, consciousness, exploding, and so on. 

Owner-driver personal accident insurance: 

Bharti AXA two-wheeler insurance pays the insurance cover of Rs. 1 lakh to the covered vehicle’s owner-driver in the event of resulting in permanent paralysis or to the recipient in the event of an unexpected death. 

Key features of Bharti Axa two-wheeler insurance: 

Bharti AXA’s two-wheeler insurance packages have a number of unique characteristics that set them apart from the competition. The following are the essential elements of their two-wheeler insurance policies: 

  • Covers financial losses incurred as a result of two-wheeler damage or theft. 

  • Cashless servicing is accessible at 3500+ authorized network garages across India. 

  • Personal accident coverage provides up to Rs.1 lakh in coverage. 

  • Claim assistance is available 24 hours a day, seven days a week, and customer service is available 24 hours a day, seven days a week. 

  • Two-year and three-year two-wheeler insurance coverage are available. 

  • Premium discounts are offered, as well as a No-Claim Bonus. 

  • Policyholders can renew their policies easily and quickly online. 

Bharti AXA Two Wheeler Insurance Benefits 

Long-Term Protection: For a period of two or three years, Bharti AXA offers long-term two-wheeler insurance.Bharti AXA provides an online option for purchasing and renewing your two-wheeler insurance. 

Personal Accident Coverage for Passengers: Basic Cover + Personal Accident Coverage for Passengers: It provides a basic two-wheeler insurance policy, as well as Personal Accident coverage for the co-passenger up to Rs. 1 lakh. 

Add-ons: For a reasonable price, the insurance firm provides crucial add-ons for your two-wheeler. Bharti AXA’s standard two-wheeler insurance is enhanced by these add-ons. The most useful add-ons in Bharti AXA’s two-wheeler insurance are Zero Depreciation and Personal Accident Cover for Occupants. 

Comprehensive coverage: Your two-wheeler is covered under the insurance company’s comprehensive coverage. 

Customer Care: Bharti AXA has a fantastic staff of customer service representatives that provide quick and easy which was before and thread assistance. 

Settlement of Claims: Bharti AXA is known for its high claim settlement percentage. 

Bharti AXA claims to have more than 3,500 cashless network garages. 

Claim Assistance 24 Hours a Day, 7 Days a Week: The insurance business has a specialised team of claim managers to ensure a seamless clearing and settlement procedure. 

Discounts: Every year, IRDAI raises the premium for third parties. However, if you choose a long-term two-wheeler insurance coverage, you will receive a 10% discount for a two-year policy and a 20% discount for a three-year policy. 

Discounts on Bharti AXA Two Wheeler Insurance are available. 

Bonus with no claim 

Every claim-free year qualifies you for an NCB discount under your own premium. It starts at 20% for the next year and can still go to 50% after five consecutive claim-free years. The best feature is that you can keep your discount even if you sell your existing bike and buy a new one. 

Discount for the number of years 

  • One year without filing a claim entitles you to a 20% discount. 

if you go two years without filing a claim, you get a 25% discount. 

  • Three years without filing a claim in a row: 35% 

45% of claim-free years are four years in a row. 

  • If you go five years without filing a claim, you get a 50% discount. 

Voluntary Discounts: 

A deductible is the amount you must pay in the event of an accident or tragedy. 

This deductible has a significant impact on the cost of your two-wheeler insurance. 

Your two-wheeler insurance premium will be lower if your deductible is higher. 

Your two-wheeler insurance rate will be lower if you have a bigger deductible. 

Choose a greater optional deductible if you know you are a safe and responsible driver. 

This will assist in obtaining a more affordable two-wheeler insurance policy. 

AAI membership is open to anybody. 

You will normally be entitled for an additional discount if you are a member of one of India’s approved Automobile Associations. 

Bharti AXA Two Wheeler Insurance Exclusions 

The following exclusions would prevent the claims from being accepted: 

  • Breakdowns due to normal wear and tear, as well as electrical or mechanical failures 

  • Tyre Deterioration (unless vehicle also damaged) 

  • Driver who does not have a valid driver’s license. 

  • Driving while impaired of intoxicants such as booze or drugs (DUI) is a serious offense. 

  • When a two-wheeler is exploited for nefarious purposes. 

  • Use outside of the United States 

  • Two-wheelers are employed for Hire or Reward, Goods Carriage, Organized Racing, Pace Setting, Speed Testing, and Reliability Trials, among other things. 

  • Nuclear War and Its Dangers 

Claim Procedures for Bharti AXA Two-Wheeler Insurance 

Follow these easy steps to quickly and easily claim your Bharti AXA two-wheeler insurance: 

  • To register your claim, go to https://www.bharti-axagi.co.in/register-claim on the company’s official website. You can also email claims@bharti-axagi.co.in or call 1800-103-2292. Save your claim registration number for future reference once you have received it. 

  • Repairs are being sent. – In the event of damage, you can take your vehicle to any of the authorized Bharti AXA garages. A surveyor on the scene will first inspect the vehicle to determine the degree of the damage. At that time, you must present the following documents. 

  • The insured’s original claim form, coupled with the company’s seal Registration certificate, as well as a copy of the insured’s PAN card and the driver’s license of the person who had been driving at the time of the accident, attested by the insured 
  • In the event of any injury to inhabitants or third parties, theft, damage, or other malicious activity, the hard document of the police report/FIR is required. 

  • Settlement of the claim – Once all of the claim paperwork has been confirmed, a work goods will be delivered to the garage. The surveyor may request a re-survey after the repairs are completed. Following that, upon receipt of the repair costs, a Delivery Order (DO) will be issued. The car will be provided by the garage once the insured has signed the Satisfaction Voucher. The company’s seal should be applied to the voucher if the insurance is a firm or a company. 

The Reimbursement Claim Process in Steps 

  • The first step is to register the claim: 

Call 1800-103-2292 to report your Bharti AXA two-wheeler insurance claim (Toll Free). You can also register a claim by sending an email to claims@bharti-axagi.co.in to the company’s customer support department. The claim registration number will be given to you for future reference on the claim. 

  • Step 2: Have your vehicle serviced: 

Original claim form, duly completed and signed 

Driver’s License RC Book 

Photocopy of the person riding at the time of the incident’s PAN card Policy document FIR if the incident involves third-party harm, property damage, partial theft, or malicious action. 

If the obligation exceeds Rs.1 lakh, KYC documents are required. 

  • Step 3: Finally, the Settlement of the Claim: 

The order will be forwarded to the garage where the car is being repaired by Bharti AXA General Insurance Company. However, if all of the documents are in order, the process will be completed. 

There is a risk that the surveyors will re-survey the vehicle after it has been repaired. 

Send the original repair bill and money receipt to Bharti AXA General Insurance Company, together with a discharge voucher signed by the insured. 

Contact Information for Bharti AXA Customer Service 

If you have any questions or concerns about your Bharti AXA Insurance Company two-wheeler insurance policy, such as the purchase, claim settlement, or renewal, you can contact the insurer using the information below: 

1800-103-2292 is a toll-free number (Monday-Saturday: 9:00 a.m. to 7.00 p.m) 

You may also request a callback by going to the ‘Contact Us’ page and filling out the form with your basic contact information. 

SMS service: You may send an SMS to 56677 by typing the SMS codes. Send the text ‘HLP’ to 56677 to learn more about the critical codes. 

Branch Offices of Bharti AXA in Major Cities 

Enter your city and state in the ‘Locate Us’ form in the ‘Branch Locator’ area of https://www.bharti-axagi.co.in/branch-locator/ to find the nearest Bharti AXA branch office. 

The registered office and the grievance redressal cell are listed below: 

Mumbai is the registered office. 

Bharti AXA Life Insurance Company Limited is a life insurance company owned by Bharti AXA. 

Raheja Titanium, Unit 601 & 602, 6th floor, Raheja Titanium, Raheja Titanium, Raheja Titanium, Raheja Titanium, Raheja Titan  Goregaon is located off the Western Express Highway (E) 

Mumbai is the corporate headquarters. 

‘G’ block, 19th floor, Parinee Crescenzo, Bandra Kurla Complex is located across from the MCA Club in Bandra (E), 400051 Mumbai 

Bangalore is the registered office. 

HOSTO CENTRE, No.43 Millers Road, 1st Floor, Bangalore – 560046 Vasanth Nagar, Opp Imperial Restaurant 

Bharti AXA Two Wheeler Insurance Review 

Bharti AXA two-wheeler insurance offers a comprehensive plan that may be supplemented with add-on coverage. The peace of mind that comes with a guaranteed claim settlement is unrivaled. Furthermore, the organization has a large network of cashless garages as well as competent after-sales care. Bharti AXA two-wheeler insurance should be your first choice because of its high claim settlement rate and efficient customer care. 

Bharti AXA Two Wheeler Insurance Review 

Bharti AXA two-wheeler insurance offers a comprehensive plan that may be supplemented with add-on coverage. The peace of mind that comes with a guaranteed claim settlement is unrivaled. Furthermore, the organization has a large network of cashless garages as well as competent after-sales care. Bharti AXA two-wheeler insurance should be your first choice because of its high claim settlement rate and efficient customer care. 

FAQs on Bharti AXA Two-Wheeler Insurance 

Q1. Is it necessary to file a FIR when claiming insurance in the event of a vehicle theft? 

Ans – Yes, in the event of a car theft, the FIR report must be presented in order to claim your insurance without delay. 

Q2. What is the location of the claim form? 

Ans – You can fill out the claim form online by going to the Bharti AXA official website. 

Q2. Is it possible to file an insurance claim in the event of a nuclear attack? 

Ans – No, your two-insurance wheeler’s coverage does not cover claims resulting from a nuclear attack. 

Q3. Is it permissible to drive away from the accident scene? 

Ans – Yes, unless your personal vehicle is immobile, you can drive it to the nearest garage. Instead of starting the engine if the oil or coolant is leaking, you should seek assistance from a breakdown service van. In the case of commercial vehicles, however, it is preferable to do spot surveys if at all possible. 

Q4. When is the claim going to be settled? 

Ans – After receiving all necessary claim-related papers, including the original invoice of repairs, satisfaction voucher or discharge voucher, and NEFT data, the claim will be settled. The claim should be completed within seven working days. 

Q5. Is it possible to claim insurance if my car is damaged as a result of a nuclear attack? 

Ans – No, your vehicle is not insured by your insurance coverage against nuclear attacks. 

Q6. What is the address for the Bharti AXA claim form? 

Ans – The claim eligible candidates can apply online, and you can fill it out by downloading it and completing it while filing your claim. 

Q7. If I sell my two-wheeler, what happens next? 

Ans – Your Bharti AXA vehicle insurance policy can be transferred to the buyer’s name. The buyer must apply with Bharti AXA for a transfer of insurance. 

Q8. Is there coverage for third-party obligations under the policy? 

Ans – Yes, in the event of an accident, the Bharti AXA two-wheeler insurance coverage will cover all third-party obligations. 

Q9. What does “break-in-insurance” imply? 

Ans – The term “break-in-insurance” refers to when a policy expires due to a failure to renew it on time. Every car on the road is required by law to have at least the bare minimum of insurance coverage. If your policy has expired, you should contact the insurer as soon as possible to have it renewed. You can keep your No Claim Bonus if you renew your insurance within 90 days of its expiration date. 

Q10. Will my premium be refunded if I don’t use it? 

Ans – You can request a refund of the leftover premium if you decide to terminate your policy. The insurer has sole discretion over whether or not to offer you with a refund.