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Bharti AXA Bike/Two Wheeler Insurance
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Bharti AXA General Insurance Company has sought to redefine the set standards of the insurance industry by providing unmatched and customised insurance plans to every citizen of India. It is one of the leading Insurance Companies in India and has come a long way since launching its first branch way back in July 2008.
A joint venture between Bharti Enterprises and the AXA Group, Bharti AXA General Insurance Company, has a stake of 49% from the AXA group and 51% from Bharti Enterprises. The Corporate Office being in Mumbai, Bharti AXA makes their presence felt by way of 135 branches across the country, offering insurance solutions in the fields of motor and two-wheeler, family and individual travel and crop insurance, student, property, health and critical illness. Since their launch in 2008, Bharti AXA has bagged quite a few awards and recognitions in the Insurance industry for their efforts.
Types of Two-wheeler Insurance Plans offered by Bharti AXA Insurance
Bharti AXA offers the following two-wheeler insurance plans in order to cover all your needs in regards to your vehicle:
1. Comprehensive Insurance Plan:
Comprehensive Insurance Plan is popular in two-wheelers because it provides a total cover for your bike. A comprehensive plan not only covers you from third-party damages but also provides a cover for damages to your own bike. A comprehensive insurance plan is like a head-to-toe armour that shields your bike from every unexpected event that might befall you accidentally.
To make your bike insurance stronger, several add-ons can be added to your comprehensive policy.
Bharti AXA offers two types of Comprehensive Insurance Plans for your bikes. They are:
- One Year Comprehensive Two-Wheeler Insurance Plans-
This plan provides a cover for a period of only one year for both third party liability and your own damage.
- Long Term Comprehensive Plan – 5 years –
This is a package plan for the entire tenure of 5 years covering both the third-party liability and your own damage.
2. Third-Party Liability Only Insurance Plan –
The Motor Vehicles Act 1988, makes it mandatory for all two-wheeler owners to sign-up for a third-party two-wheeler insurance policy. A third-party liability only insurance plan protects you against any financial losses that you may suffer owing to accidental death, injuries or damages caused to a third party, vehicle or property while riding your two-wheeler.
The cubic capacity of the two-wheeler’s engine is the deciding factor for the base premium for the third-party liability coverage. The base premium is revised every year by the Insurance Regulatory and Development Authority of India (IRDA). As per the new guidelines set by the Insurance Regulatory and Development Authority of India, the insurance companies are instructed to offer third party liability coverage for five years, in case of new two-wheelers.
Bharti AXA offers two types of Third-Party Liability Only Insurance Plan. They are:
- Liability Only Plan for One year:
This covers the third-party liability for one year only.
- Long Term Liability Only Plan:
This covers the third-party liability for the entire tenure of the policy which can be for 2 to 3 years
|The severity of the situation||Level of Compensation|
|Loss of sight of two eyes or two limbs or sight of one eye and one limb|
|Loss of sight of one eye or one limb|
|Permanent Full disablement from other injuries than named above|
3. Standalone Own Damage Cover Plan
You can save yourself from losses incurred owing to damages caused to your own two-wheeler by an accident, natural calamity, man-made damages or theft by taking a standalone own damage insurance cover for your bike. To get a total cover for your vehicle, you can take a standalone damage cover in addition to your long-term third-party bike insurance.
It is important to remember that a standalone own damage cover does not cover third-party liabilities. You can buy a standalone own damage insurance cover if you already have a long-term third-party liability insurance cover for your bike.
Similar to the Comprehensive Cover plan, in order to customise your two-wheeler insurance as per your requirements, you can opt for several add-ons to your standalone own damage cover plan too.
Your standalone plan does not provide coverage for:
- Mechanical and Electrical breakdown
- Depreciation of the bike
- Damages arising when the driver is underage does not hold a valid driving licence or is under the influence of alcohol or drugs
Note: It is mandatory to buy a minimum of 5 years of third-party liability plan for your new scooter or bike, as per the latest guidelines laid down by the Insurance Regulatory and Development Authority of India.
Benefits of Bharti AXA Two-wheeler Insurance
You can consider the following benefits of Bharti AXA when you make your choice of plan for your two-wheeler insurance:
- Online Instant Policy:
The digital benefit of Bharti AXA policies is the biggest attraction. To buy the policies online or digitally is a cakewalk. The online policy issuance process for your bike is absolutely simple and instant in Bharti AXA. To get your policy issued online, you just have to visit the Bharti AXA website, fill in your credentials, choose your plan and pay the premium.
You will have the policy issued instantly and the e-policy document mailed to your email id. Apart from the issuance of the policy, you can also renew or enhance your plan, check the status and initiate your claim online. You can make your payment using your preferred mode of online payment modes like debit or credit card, net banking, Google Pay, UPI or through online wallets like Paytm and others.
- Hassle-free and High Claim Settlement Ratio:
Bharti AXA provides an easy and hassle-free claim settlement process as it is expected that in case you have to place a claim for your vehicle, you would already be in a stressful state of mind. In case you claim reimbursement of expenses, you simply have to inform the insurance company, click photos of the damage and send them. Your claim will be reimbursed after the assessment of the damages. In case it is a cashless claim in a network garage, you simply need to inform the insurer and they will contact the garage and clear the dues.
The claim settlement ratio, in case of Bharti AXA, stands at 94.06% which is extremely high as per the industry standards.
- Large Network of Cashless Garages:
Bharti AXA offers a wide range of 5200+ cashless garages, across India, where you can repair the damages of the bike without having to shell out a single penny from your own pocket. All you need to do is notify the company and get a cashless settlement done from any of these network garages.
- Wide Range of Add on Covers:
Bharti AXA provides a wide range of two wheelers add on covers through which you can customise your two-wheeler insurance as per your requirements and convenience.
- Emergency Assistance and Helpful Customer Service:
Bharti AXA policies offer you emergency assistance 24/7. You can call in for assistance irrespective of the hour of the day/night. You can call on toll-free numbers for any emergency, claims and queries and you will definitely be answered by the polite and efficient support team.
What is Covered Under Bharti AXA Two-wheeler Insurance Plans?
Let us now take a look at what is covered under the Bharti AXA Two-wheeler Insurance plans:
- Third-Party Losses:
Bharti AXA third party liability insurance covers all damages caused to third party liability, which includes damages caused to vehicle, property or person. However, Comprehensive two-wheeler insurance plans offered by Bharti AXA also covers this type of losses.
- Cover for your own vehicle:
A comprehensive plan of Bharti AXA not only provides cover for third party liability but also for the damages incurred to your own bike. It also covers the injuries incurred by the rider in a bike accident.
- Accidental damage:
Any damages caused to the bike owing to an accident like dents, broken parts, scratches, etc. are covered under the Comprehensive Plans of Bharti AXA. You can place a claim for such damages owing to a bike accident.
- Theft and Burglary:
As per statistics, around 75% of the stolen vehicles in India are two-wheelers. In case your vehicle gets stolen, the insurance company will pay for your losses so that you can replace your old bike with a new bike.
- Natural Disasters:
If any damage is incurred to your scooter or bike owing to any natural disasters like earthquakes, floods, cyclones, etc, they are covered under the Bharti AXA Bike Insurance Policy.
- Man-made Disasters:
Bharti AXA Bike Insurance Policy covers any losses incurred to your two-wheeler owing to accidental fires, strikes, riots, etc.
What is not Covered under Bharti AXA Two-wheeler Insurance Plans?
There are certain exclusions in Bharti AXA Bike Insurance Policies that should be kept in mind while going for a claim so that the claim is not returned. Let’s take a look at those exclusions:
- Damage due to Drunk Driving:
In case the driver is under the intoxication of alcohol or any other banned drug, then Bharti AXA Bike Insurance Policy will process no claim either for third party liabilities or personal injuries and damages.
- Damage due to driver underage or driving without a valid licence:
In case the driver is not above the age of 18 years or does not have a valid driving licence in his possession, no claim for damage of the vehicle (either own or third party) or for any personal injury or damage, will be entertained by Bharti AXA policy.
- Depreciation / Regular Wear and Tear:
Vehicles are bound to face losses due to regular wear and tear and depreciation of the vehicle. However, these losses are not covered under any policy/plan of Bharti AXA. The cost of regular servicing of the bike to ensure its smooth run has to be borne by the owner of the bike.
- Mechanical or Electrical Breakdown:
Mechanical or Electrical breakdowns of the bike are not covered under Bharti AXA Bike Insurance Policies.
- Damages when the policy is inactive:
In case you have an inactive policy, or your policy has lapsed or expired then no claims will be processed for the policy to cover any damage occurring either to the vehicle or the rider.
How to Apply for Bharti AXA Two-wheeler Insurance Policy?
The following simple steps need to be followed in order to apply/purchase a Bharti AXA Two-wheeler Insurance Policy:
Step 1: Visit the Bharti AXA website:
Visit the website of Bharti AXA Insurance, explore through the available plans, choose a plan as per your requirement, take a look at the prices and settle for the best-suited policy for your two-wheeler.
Step 2: Fill in Your Details to Apply:
Once the selection of the perfect plan is done, you need to fill in the important details like your name, address, contact number, etc. Some basic details of your vehicle like the make, model and number of your bike also need to be keyed in.
Step 3: Submit Your Documents:
Your ID Proof and a KYC document are the only requirements to be uploaded for issuance of the policy.
Step 4: Payment of Premium:
Pay your premium for the selected policy via any suitable mode like net banking, debit/credit cards, UPI, Google Pay or through online wallets like PayTM or others.
Once the premium is paid successfully, the Bharti AXA e-policy document is sent to your registered email id, instantly.
No middle man or an insurance agent needs to be involved in the process of purchasing your Bharti AXA Two-wheeler policy. It can be done directly online, following the mentioned steps, very conveniently.
Bharti AXA Two-wheeler Insurance Claim Process
The step-by-step process for claims are as follows:
Step 1: Inform the Insurer:
You need to inform the insurer about the damage and the subsequent need for the repair, within a span of 24 hours of the accident.
Step 2: Click and Upload Photos:
You need to click and upload photos of the damage and the necessary documents to make your claim valid.
Step 3: Sending the vehicle to a Network Garage:
Once your documents are verified and the damage is assessed, you need to send the vehicle to a network garage for evaluating the cost of repair of the damages. If found suitable and within the coverage limits, the insurer will make a direct payment to the garage for the repairs, in case of a cashless claim.
In case of a Reimbursement claim, once your documents and photos are found suitable and the expenses incurred are within the limits of the policy, the amount will be reimbursed to your bank a/c after you bear the expenses from your pocket.
Please remember, the assessment of the damage and the evaluation of the cost of repair essentially has to be done from a network garage in order to get a claim. If the repairs are done from a local garage, not on the list of network garages of Bharti AXA, then the claim will not be valid. In case, you incurred an expense higher than the evaluated amount by the network garage, then the additional amount will have to be borne by you. Also, you will not get the claim if the amount of expense for repair exceeds the actual value of your bike.
Reviving a Lapsed/Expired Policy
If you fail to pay the premium on time despite the repeated reminders from the insurer, then your two-wheeler policy might lapse or expire. If it is within the grace period then you can simply pay the premium and revive your policy.
In case the grace period has lapsed, you need to get in touch with your insurer as your policy has lapsed and cannot be reinstated. They will re-evaluate the condition of your vehicle and offer a new quote for the premium of a new policy.
Bharti AXA Two Wheeler Insurance Customer Care Number
Bharti AXA Two Wheeler Insurance Company can easily be reached out at 1800-103-2292. This toll-free number is 24x7 available at your service.
Bharti AXA Two Wheeler Insurance Contact Information:
|Registered Office Address||Unit No 1902, 19th Floor, Parinee Crescenzo, ‘G’ Block, Bandra Kurla Complex, BKC Road, Near MCA Club, Bandra East, Mumbai 400051|
Bharti AXA Two-wheeler Insurance Review:
Bharti AXA General Insurance Company Limited is one of the premium general insurance companies in the country. The company has established huge credibility in the minds of the people in India. Hence the products offered by Bharti AXA General Insurance Company Limited are very popular and widely accepted. There is a wide range of products offered by the company for the people to choose from. In fact, Bharti AXA General Insurance Company Limited has been awarded the “Best Product Innovation” in multiple forums. They are famous for their Customer Service Excellence for which they have been awarded at ABP News BFSI Awards 2019. They are popular for their customer-centricity and product innovation.
Bharti AXA General Insurance Company Limited has been awarded the “Claims Service of the Year” trophy in the Large Private Sector at the BFSI Awards Ceremony 2018 hosted by ABP News. This has been primarily awarded for their “Smart Claims” initiative. This initiative was followed by great claims experience and high levels of customer satisfaction.
Note - Bharti AXA General Insurance has become a part of ICICI Lombard General Insurance.
Add ons for your Two Wheeler Insurance
Bharti AXA Bike/Two Wheeler Insurance FAQs
1. Does the premium amount increase for my policy after a claim is processed?
The change in premium amount does not depend solely on claims. It also depends on other factors like the model of the vehicle, the nature of the policy, etc.
2. How do I get the claim form and the cashless list of garages?
You need to visit the website(www.bharti-axagi.co.in) of Bharti AXA to avail of the claim form and the detailed list of cashless garages are also found on the website.
3. How can I register my Two-Wheeler Insurance claim?
You should intimate your claim to the toll-free number of the call centre or send an email to the company.
4. Are Add-ons available with the Two-wheeler insurance plans?
Yes, add-ons are available with the two-wheeler insurance plans. You can opt for depreciation cover, personal accident cover, etc. You must remember that each add on comes for an additional cost. Hence for every add on you choose, the premium amount for the policy is going to be hiked for it.
5. What is No Claim Bonus (NCB) in Long-term Two-Wheeler Policy?
No Claim Bonus accumulates in case the policyholder does not make any claim. This accumulated NCB offers you lucrative discounts on the policy premium of two-wheeler insurance.
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