Bharti AXA Standalone Own Damage Bike Insurance

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Standalone two-wheeler insurance is a policy that covers only own damages of a policyholder in the event of an accident. It does not protect against third-party damages. It would reimburse every financial expense incurred by the policyholder's vehicle. Life and property can be damaged a lot of times when you fall into a collision. To curtail extensive costs, it is better to buy a standalone policy.

The Bharti AXA bike standalone insurance is an excellent option if you want to increase additional cover on top of your third-party policy. A standalone policy is a hassle-free way of protecting yourself in challenging situations. Let us know more about the details of a Bharti AXA standalone bike insurance policy.

Bharti AXA Standalone Two Wheeler Insurance Policy

A Bharti AXA standalone bike insurance policy is a legal document that protects the policyholder against its own damages in the event of an accident. It reimburses all the expenses arising due to the policyholder’s own vehicle’s damage or injuries.

As soon as you fall into an accident, you need to inform the insurance provider about the damage suffered to smoothly go through the claim process. With a standalone policy, you can buy add-ons to strengthen your coverage. Buying a Bharti AXA bike standalone insurance policy is also extremely easy. You can buy it online or offline at your convenience.

How does Bharti AXA Standalone Two Wheeler Insurance Policy Work?

After purchasing a standalone of Bharti AXA bike insurance policy, you need to know how much premium you have to pay for your policy to stay valid. Every detail of your policy will be mentioned in the policy document provided to you by the insurance company. Therefore, when claiming reimbursements, make sure you mention all the information correctly and within the stipulated period. 

If you want to improve the coverage of your third-party insurance further, a standalone policy is a must consider. Unlike a third-party insurance policy, this type of insurance allows you to buy add-ons with your policy. Policy renewals also need to be done regularly. Make sure to check with your insurer about the renewal process and time.

Bharti AXA Standalone Two Wheeler Insurance vs. Third Party Insurance vs. Comprehensive Insurance

BasisStandalone Bike InsuranceThird Party Bike InsuranceComprehensive Bike Insurance
CostA standalone bike insurance policy is cost-effective as it does not provide extensive coverage.A third-party bike insurance policy is also not costly as the coverage is limited.A comprehensive bike insurance policy is slightly expensive compared to other policies as it provides complete coverage.
CoverageCovers only own damages suffered by the policyholder.Covers only third-party damages.Overs own damages as well as third-party damages.
Add-OnsYou can buy add-ons with this policy.You cannot buy add-ons with this policy.You can purchase add-ons with this policy.
Requirement Not mandatory by the law.Mandatory by the government.Not required by the government.

What All is Covered Under Bharti AXA Standalone Two Wheeler Insurance Policy?

A Bharti AXA two-wheeler standalone insurance policy would cover the following damages:

  • The standalone bike insurance policy would cover damages caused by natural calamities.
  • The insurer would cover damages caused due to manmade disasters.
  • Accidental damages occurred to the bike insurance policyholder’s vehicle.
  • Injuries occured to the policyholder.
  • Damages due to fire, explosions, and theft.
  • Total loss due to the vehicle being stolen.

What All is not Covered Under Bharti AXA Standalone Two Wheeler Insurance Policy?

The Bharti AXA standalone two-wheeler insurance policy would not cover the following damages:

  • Third-party damages.
  • Damages arising out of drunk driving.
  • Damages arising out of driving the bike for illegal purposes.
  • Damages due to riding the bike without valid insurance.
  • Damages due to riding the bike without a valid driving licence.
  • Electrical and mechanical breakdowns incurred by the vehicle.
  • Damages arising out of using the vehicle for commercial purposes.
  • Damages arising out of the registered geographical region.

Bharti AXA Standalone Two Wheeler Insurance Benefits

The Bharti AXA standalone two-wheeler insurance policy has the following benefits:

  • The policy would protect the policyholder against own damages in an accident.
  • You can buy add-ons with this type of insurance.
  • The buying process is straightforward.
  • Renewals can be done online without any hassles.
  • Claim settlement is also available in the cashless form.

Bharti AXA Standalone Two Wheeler Insurance Review

The Bharti AXA standalone bike insurance is an ideal type of insurance if you are looking for additional cover. It provides added security on top of the mandatory third-party policy. Unlike a comprehensive insurance, a standalone policy is not that expensive and protects the policyholder against its own damages. The company also provides 24/7 customer service for immediate resolution of queries.

Bharti AXA Standalone Bike Insurance FAQs

  • 1. Are standalone insurance and comprehensive insurance the same?

    A standalone insurance policy would cover only the own damages incurred by the policyholder, whereas a comprehensive insurance policy would cover third-party and own damage expenses.

  • 2. Can I buy add-ons with my standalone insurance if I have a third-party policy?

    You can buy add-ons on top of your standalone policy whether you have third-party insurance or not.

  • 3. Would it affect my insurance premium if my bike is on the expensive side?

    An expensive bike that has costly parts would incur higher premiums.

  • 4. Would I be eligible for an NCB if I buy the standalone insurance policy for my bike?

    Yes, you would ab able to claim an NCB with a standalone bike insurance policy.

  • 5. What is the official website of Bharti AXA to purchase bike insurance online?

    You can visit https://www.bharti-axagi.co.in/ and purchase insurance online.

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