Bharti AXA Car Insurance Claim

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A comprehensive car insurance coverage, often known as motor package insurance, saves you money if your car is destroyed in an accident or natural catastrophe. In an accident, you may inadvertently injure or damage others or property. You can select the policy type that best suits your needs. The Bharati AXA car insurance claim process is hassle-free and helps policyholders claim coverage for the damages caused (as per the policy type and clauses). This helps car owners save money in scenarios where they end up causing liabilities to third parties or suffer personal damage.

List of Documents Required During Claim Settlement

The following documents are required at the time of settlement of a car insurance claim:

  • Certificate of registration with self-attestation
  • KYC Documentation for a valid insurance policy (For loss above INR 1 Lakh)
  • Driver's licence
  • FIR copy if needed
  • The vehicle's purchase invoice
  • Identity proof

How to Make Bharti AXA Car Insurance Claim Online?

An online claim from Bharti AXA may be made in three simple steps. The procedure is as follows:

Step 1: Initiate the Claim:

If your insured vehicle is involved in an accident and you want to use the online claim service, call the toll-free number 1800-103-2292 to contact customer support. For the same reason, you can email customer service at claims@bharti-axagi.co.in. You must provide sufficient information in this process, including the policy number, vehicle number or cover note number, chassis number, etc.,

Step 2: Send the insured car to the garage for service:

The policyholder can utilize the garage location tool to discover the nearest available garage to perform the survey. The insured car must be brought to this approved garage together with the necessary documentation to begin the claim procedure. 

Step 3: Settle the Bharti AXA four wheeler's insurance claim

If the repairs are made through the Bharti AXA four-wheeler's garage network, the company's surveyor will assess the extent of the damage to the insured vehicle within one working day. The automobile will be returned to the insured once the repair has been completed successfully.

How to File a Cashless Car Insurance Claim with Bharti AXA?

The claim settlement method for the Bharti AXA vehicle insurance policy has been smooth since the policyholder just has to perform the following steps:

Step 1: Make a Claim with your Insurance Carrier:

To begin the claim settlement procedure, contact the insurer and register the claim by providing all relevant facts such as the place, position, and time of the accident, details of witnesses (if gathered), and so on.

Step 2: Damage Examination

After filing the claim, the insurer will dispatch a surveyor to the scene of the accident to assess the amount of damage done to the automobile as a result of the accident.

Step 3: Make all the Repairs

Take your automobile to the nearest authorized Bharti AXA General Insurance garage after it has been inspected. You might also request towing.

Step 4: Bharti AXA Car Insurance Claim Settlement

The network garage expert will send the bills to Bharti AXA, and the insurance company will cover the repair costs. Pay the insurer's mandatory and optional deductibles (if any), and you can take your four-wheeler home.

How to File a Reimbursement Car Insurance Claim with Bharti AXA?

If you take your automobile to a garage that your insurer doesn't approve for repairs, then you will be responsible for the costs. After that, you can file a claim with the insurer for compensation. The following steps can be used to complete the reimbursement procedure.

Step1: Make Contact with your Insurer and File a Claim:

The first stage in the claim settlement procedure is to call the insurer and register the claim by providing all relevant facts such as the accident's location, time, witnesses (if any were gathered), etc.

Step 2: Damage Assessment

Before the automobile is sent for repair, a surveyor is dispatched to examine its condition. At this point, provide the surveyor with all of the relevant documentation.

Step 3: Reparation and Compensation

Take your automobile to your preferred shop and pay for the repairs. Begin the refund procedure with the car insurance company. The repair invoices and receipts, as well as the paperwork, must be provided to the insurance company. Once Bharti AXA conducts all the verification, the repair costs will be reimbursed to you.

Reasons for Bharti AXA Car Insurance Claim Denial

To avoid having your claim denied, keep the following items in mind while filing your claim. For the following reasons, an insurer may deny a claim:

  • Accident caused by your carelessness
  • Not informing Bharti AXA on time
  • The policy has passed its expiration date
  • Giving the insurance company inaccurate information
  • When there is no evidence of the accident

Bharti AXA No Claim Bonus

Like many reputable insurance companies, Bharti AXA rewards its clients with a No Claim Bonus if they do not file a claim during the policy year. This advantage can help you save money on your next insurance year's premium. The NCB benefit discount improves with each claim-free year, but even a small claim during a policy year might invalidate it. The NCB, on the other hand, is only applicable to standalone own-damage and comprehensive automobile insurance policies.

Bharti AXA Car Insurance Claim FAQs

  • 1. When can I contact Bharti AXA for any claim-related queries?

    You can contact Bharti AXA between 9:15 a.m. to 6:15 p.m for any queries on working days.

  • 2. Is filing an FIR compulsory for a successful claim approval with Bharti AXA?

    Filing an FIR for a successful claim approval is necessary under certain circumstances. For example, in the event of car theft, accident, you have to file an FIR and submit the copy to your insurer to get a claim.

  • 3. Which is better: Bharti AXA cashless claim or Bharti AXA reimbursement claim?

    Choosing between cashless or reimbursement claim depends on your choice of the garage where you want to get your vehicle repaired. If you choose a network garage, then a cashless claim is the perfect option for you as you won't have to spend on your vehicle's repairs. Otherwise, you have to go for a reimbursement claim.

  • 4. What are the chances of Bharti AXA rejecting my claim?

    If Bharti AXA finds any discrepancies in the submitted documents or any fraudulent activities, the insurer may reject your claim.

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