Bharti AXA Car Insurance: Bharti AXA Car Insurance is one of the leading brands in India’s automobile and two-wheeler insurance industry due to its impressive claim resolution ratio and extensive contactless garage network. Bharti Enterprises and AXA, an established market leader in financial protection, have formed this joint venture.
The company offers comprehensive car and two-wheeler policies that provide comprehensive protection to policyholders and their passengers, including third-party liability coverage that will compensate in the event of bodily injury, death, or damage to third-party vehicles or property damage; it also covers repair/replacement costs for damaged cars and personal accident coverage, among many other options available to policyholders.
Disclaimer::
This is just an informational blog and has No Relation Bharti Axa.
NOTE:
Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comBharti AXA, auto insurance policies are an excellent option for any vehicle owner, as they defend your vehicle against financial loss in the event of an accident or theft, and the company’s 24×7 customer service makes filing claims simpler, faster and less cumbersome than ever before. Moreover, cashless maintenance options at over 2,500 facilities make servicing even easier; renewal comes with up to 50% No Claim Bonuses – ideal protection!
The Pay As You Drive auto insurance product from Bharti AXA is ideal for customers who drive less frequently, allowing them to pay a reduced premium and save money over time. Visit their website to learn more about Bharti AXA’s car and two-wheeler insurance discounts for installing security devices and meeting other criteria.
Bharti Axa Car Insurance Policy
The primary company, Bharti AXA General Insurance Company Ltd, is a partnership between Bharti Enterprises, a prominent Indian conglomerate, and AXA, a leading international provider of financial protection. This ambitious corporation began operations in India in August 2008 and currently has 59 branches nationwide. Bharti AXA General Insurance Company Ltd is India’s first general insurance company to receive both ISO 9001:2008 and ISO 27001:2005 certifications within the first year of operations (2009). Bharti AXA General Insurance Company Ltd, one of India’s prominent insurers, offers the full spectrum of insurance products.
Types of Bharti AXA Car Insurance Plans
The Bharti AXA General Insurance Company offers three distinct kinds of auto insurance policies. These include:
Bharti AXA Third-Party Private Car Policy
The Bharti AXA Third Party four-wheeler insurance plan protects the beneficiary against third-party legal liabilities resulting from an accident involving the insured vehicle. It covers the vehicle proprietor from third-party property damage, bodily injury, and mortality. Under this plan, the liability for third-party property is limited to Rs. 7.50 lakh, while the liability for third-party death/injury is unlimited. The third-party liability plan also provides personal catastrophe coverage of Rs. 15 lakh for the owner-driver of the insured vehicle. This coverage is required for all car owners in India but does not cover damage to the insured vehicle.
Disclaimer::
This is just an informational blog and has No Relation Bharti Axa.
NOTE:
Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comBharti AXA Stand-Alone Own Damage Private Car Policy
The Stand-Alone Own Damage plan protects the policyholder against damage to the insured vehicle resulting from road accidents, theft, fire, natural and man-made disasters, etc. This plan does not cover third-party liability and is only available if you already have active third-party four-wheeler insurance. This plan also provides personal catastrophe coverage for the vehicle’s owner-driver. The Stand-Alone Own Damage Policy is optional but may be purchased if the policyholder desires to extend coverage to the insured car.
Bharti AXA Private Car Package Policy
The Bharti AXA Private Car Package policy protects the insured vehicle against damages caused by road accidents, larceny, fire, natural disasters, etc. This plan also includes coverage for third-party accidental liabilities, such as third-party property damage and injury/death caused by the insured vehicle. In addition, it provides Rs.15 lakhs in personal accident coverage to the owner-driver of the insured vehicle. The private automobile package policy is not required but is recommended because it allows for broader coverage. Additionally, this plan can be enhanced by purchasing additional coverage for an additional fee. In addition to these plans, Bharti AXA General Insurance Company offers a package policy for new vehicles. This singular insurance plan includes a three-year third-party and one-year own-damage coverage.
Advantages of Bharti Axa car insurance
With Bharti Axa, purchasing a new plan or renewing an existing one is straightforward.
- Rapid claims settlement and service.
- Comprehensive plan addresses both own damage and third party liability.
- The policy offers add-on services such as negative depreciation, invoice price coverage, and medical expenses coverage.
- Cashless claim settlement in a network of over 2,000 preferred facilities.
- An incentive of up to fifty percent based on the number of years without a claim.
- Instantaneous coverage with minimal documentation.
- Provision for non-cash claim settlement.
- Customers have access to support around the clock.
- Auto insurance applications are available online.
- Not required to submit documents for verification.
- Sending clients timely, no-cost reminders for premium payment.
- Numerous complementary services are offered to consumers.
Bharti AXA Online Car Insurance: Add-On Covers
NCB (No Claim Bonus) Protector
Allows you to receive the NCB discount and safeguard your accumulated NCB even if you file two claims during the policy period.
Hydrostatic Locking Cover
Provides reimbursement for repairing or replacing engine components damaged by rain or flooding. Only available when the vehicle is less than five years old.
Roadside Assistance
When isolated on the road due to a car failure, assistance is available with a single phone call at any time. Includes repairs, towing, tire replacement, and emergency refueling.
Co-passenger Cover
Coverage of 1 lakh rupees in the event of death, injury, or permanent/total disability for co-passengers.
Consumables Cover
Reimburses all costs associated with consumables (nuts, bolts, lubricant) that are unusable.
Replacement Key
Reimburses you for the cost of replacing a lost or stolen car lock or key—up to two claims during the policy’s duration.
Engine/Transmission Cover
Covers expenses incurred when your vehicle breaks down due to engine and gearbox internal components.
Depreciation Cover
Prevents depreciation on repair/replacement costs for fiber, glass, elastomer, and plastic components.
Ambulance Charges
Covers the cost of ambulance transportation for the insured.
Hospital Money/Medical Costs
Accident patients receive 1,000 rupees daily for up to 30 days of hospitalization. It also covers up to 10,000 rupees in medical expenses for injured owner-drivers and co-passengers.
Invoice Price Cover
Permits you to obtain the invoice amount, registration fees, road tax, and insurance (during claim settlement).
Disclaimer::
This is just an informational blog and has No Relation Bharti Axa.
NOTE:
Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comExclusions of Bharti Axa car Insurance
- Damages to the vehicle are not covered if you or anyone else is operating under the influence of alcohol or other intoxicating substances during an accident.
- Accidents staged and losses caused by accidents on purpose.
- Driving on the incorrect side of the road.
- Driving without a valid license.
- Driving a vehicle while underage.
- Using your personal vehicle for business purposes.
- Insurance coverage that has expired, contractual liability, consequential damages, electrical/mechanical failure, normal wear and tear, and driving outside of geographical boundaries.
Bharti AXA car Insurance: Discounts
- Bharti AXA voluntary discounts are provided when you opt to pay the bare minimum at the time of a claim.
- No-Claim Discount of 20% on the second year’s premium if no claims are filed during the first year. Up to 50% for consecutive years without claims.
- A discount for the installation of authorized anti-theft devices.
- Other Discounts for membership in India’s recognized automobile associations.
Bharti Car Insurance Premium
The auto insurance premium for new cars is based on the car’s age, personal or commercial use, gasoline type, IDV, cubic capacity, car’s registration area, accumulated no-claims bonus (if applicable), owner-driver’s information, and optional deductibles.
The premium for older vehicles is based on current policy details, claim history, and (if applicable) previous proprietor information.
Knowing the IDV (a lower IDV often results in a lower premium), claiming the no-claim incentive, and increasing the voluntary deductible (the higher the voluntary deductible, the lower the premium) are common ways to save on premiums.
Online insurance comparison portals enable car proprietors and prospective purchasers to select the ideal coverage by examining all available policies and plans. With a few keystrokes, these user-friendly platforms enable you to make informed decisions, compare quotes and premium amounts, and simplify and expedite the process of purchasing suitable auto insurance.
Online Eligibility To Purchase Bharti AXA car Insurance
When it comes to offering auto insurance policies, Bharti AXA has established a number of criteria to prevent future complications. To complete an application, the insurer may request the following documents.
Registration of car
Individuals are responsible for vehicle registration. Produce the registration certificate from the Regional Transport Office.
Fitness accreditation
The bicycle must be roadworthy, and a fitness certificate may be required in certain instances. This primarily applies when the car is older than ten years.
Driver and proprietor details
In India, it is illegal to operate a motor vehicle without a valid license, and in some instances, insurers conduct a license check.
Physical examination
Bharti AXA may physically inspect a motorcycle whose two-wheeler insurance has expired.
The insurer may request additional documentation depending on whether the insurance registration is for a brand-new policy or a renewal of an existing/lapsed policy.
How to Obtain Bharti AXA Auto Insurance
It is no longer necessary to visit the office of an insurance company to purchase a policy. Following a few simple steps, purchasing auto insurance policies online is now possible.
- Access the official website for Bharti AXA General Insurance.
- Choose either a new policy or the renewal of an existing one based on the needs.
- Provide information about the required insurance vehicle.
- Give your contact information, including your cell phone number, email address, and home address.
- Determine the required form of protection. This includes the addition of protection-enhancing enhancements to a basic insurance policy.
- Once selected, the premium amount is shown.
- Pay the stipulated amount.
- The insurance policy is sent as a PDF file via email.
- You can also obtain a two-wheeler insurance policy from Bharti AXA by dialing 022 6118 888.
Renewal of Bharti Axa Car Insurance
Bharti AXA auto insurance policyholders are always advised to renew their policies before the expiration of their current coverage. This ensures no lapse in coverage, and the No-Claim Bonus and applicable discounts are also maintained.
Bharti AXA Automobile Insurance Renewal Method
Bharti AXA makes it extremely convenient for policyholders to instantaneously renew their auto insurance policies using minimal information on their web portal.
- Policyholders must enter these details into the supplied fields and pay the premium for the new policy to be promptly generated. Renewal of a Bharti AXA auto insurance policy is a three-step procedure that requires minimal effort from the policyholder.
- In the first stage of the renewal procedure, customers must enter their policy number, policy expiration date, mobile number, first name, email address, and policy registration date.
- After these details have been validated, customers can continue to the payment page.
- Policyholders may pay premiums with credit cards, debit cards, or internet banking.
- Customers can obtain their new Bharti AXA auto insurance policies immediately following payment.
Bharti AXA Automobile Claim Procedure
In the event of an accident, you can file either a cashless claim or a reimbursement claim. The claim settlement process varies between the two.
Cashless Claim Method
The following stages comprise the prepaid claim procedure:
- To file a claim, contact Bharti AXA as soon as possible via their toll-free customer service number: 080-49123900 or email [email protected]. In either case, Bharti AXA will register your claim and provide you with a claim registration number for future reference.
- File a police report at the nearest police station and obtain a copy of the report.
- Either drive your vehicle to the nearest contactless garage or tow it for repairs. You must bring the original, signed claim form, the registration certificate for your car, a copy of the FIR you filed, and your KYC documents to the garage.
- An authorized inspector will be dispatched to the garage to examine your vehicle. Provide the surveyor with the documents listed above.
- After reviewing and approving your documents, the garage will be requested to work on your vehicle.
- After your vehicle has been repaired, the inspector will return to the garage to inspect it.
- After the inspection, your vehicle will be delivered, and the insurance company will pay the garage directly for the repairs.
Reimbursement Claim Method
The procedures involved in submitting a reimbursement claim are as follows:
- To file a claim, contact Bharti AXA as soon as possible via their toll-free customer service number: 080-49123900 or email [email protected]. In either case, Bharti AXA will register your claim and provide you with a claim registration number for future reference.
- File a police report at the nearest police station and obtain a copy of the report.
- Either drive your vehicle or have it transported to the nearest repair shop. You must bring the original, signed claim form, the registration certificate for your car, a copy of the FIR you filed, a canceled check, and your KYC documents to the garage.
- An authorized inspector will be dispatched to the garage to examine your vehicle. Provide the surveyor with the documents listed above.
- After reviewing and approving your documents, the garage will be requested to work on your vehicle.
- The surveyor will return to the repair shop to assess the repaired vehicle.
- You must pay for the car repairs out of pocket and acquire both the payment invoice and the original bills.
- Submit the invoice and original documents to the insurer to receive reimbursement for the auto repair cost.
Do I Need a Printed Copy of My Bharti AXA Automobile Insurance Policy?
Disclaimer::
This is just an informational blog and has No Relation Bharti Axa.
NOTE:
Bharti AXA is Now ICICI Lombard for More Information Please Visit Offical website of Bharti AXA i.e Bhartiaxa.comAccording to India’s motor laws, car proprietors must have a valid auto insurance policy. However, carrying a tangible copy of your auto insurance policy is always optional. You can easily transfer the Bharti AXA auto insurance policy to your device and present the electronic copy whenever necessary. Therefore, it is optional to transport the original or tangible copy of your auto insurance policy if you have the electronic document. However, always carry the electronic copy of the policy with you while driving. Lacking a valid auto insurance policy can result in significant traffic penalties.
How Can I Make Modifications to My Bharti AXA Auto Insurance Policy?
If you received your Bharti AXA auto insurance policy with incorrect or misleading information, be sure to correct it as soon as feasible. Since your auto insurance policy is legal, false information could result in claim denials and legal complications. To adjust your Bharti AXA four-wheeler insurance policy, you can contact customer service and request that they correct the error.
