Bharti AXA Third Party Bike Insurance

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Two-wheeler insurance is a compulsory purchase in India. You need to have third-party insurance to cover third-party damages, which may incur a substantial financial burden on your pocket. Third-party injuries in an accident can rake up financial liabilities and increase legal problems for you.

The Bharti AXA third-party two-wheeler insurance covers third-party financial and legal obligations when you meet with an accident. The damages can bear high costs as there could be vehicular and even bodily damages to the third-party. Instead of emptying your pockets by paying for such high dues, you can claim damages from your third-party bike insurance. In detail, let us know more about the working and other aspects of the Bharti AXA third-party bike insurance.

How does Bharti AXA Third Party Two Wheeler Insurance Policy Work?

The Bharti AXA third-party bike insurance safeguards you from third-party damage/ liabilities. If you have met with an accident involving another vehicle, the damages incurred by the other party can bear massive costs for you. This may be hard to pay for out of your pocket. Third-party insurance would reimburse all the third-party damage liabilities, and you would be free of any financial obligations.

Similarly, legal formalities arising out of accidental damages are also taken care of by the Bharti AXA bike third-party insurance. Therefore, you do not have to worry about any expenses to be paid to the third-party in the event of a collision. Moreover, as per the Motor Vehicles Act, a third-party insurance policy is legally required to be bought by every vehicle owner in India. 

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

The differences between the two policies are discussed in the table below:

Basis of DifferenceThird Party Two Wheeler InsuranceComprehensive Two Wheeler Insurance
NatureThird-party insurance only covers the damages suffered by the third-party vehicle in an accident. Comprehensive insurance provides complete coverage, including third-party as well as own damages.
LegalityIt is legally compulsory to buy third-party bike insurance for every two-wheeler owner.It is not legally compulsory to buy comprehensive bike insurance for every two-wheeler owner.
Add-onsThere is no facility for add-ons with a third-party bike insurance policy.There is a facility for add-ons with a comprehensive insurance policy.
Cost It is highly cost-effective as it has limited coverage.It is slightly costly as it has extensive coverage.

How to Buy Bharti AXA Third Party Two Wheeler Insurance Policy?

There are two ways to buy your third-party Bharti AXA bike insurance. To buy Bharti AXA bike third-party insurance online, follow the given steps:

  1. Visit the official website of Bharti AXA.
  2. Fill in the details regarding your two-wheeler and your personal information.
  3. Select the type of insurance policy you have to buy.
  4. Select a quote from the given choices as per your suitability.
  5. Upload the documents online.
  6. Make digital payments and accept the policy.
  7. Collect policy details on your email ID.

You can also purchase a Bharti AXA bike with third-party insurance offline. To do so, follow the steps given below:

  1. Visit your nearest Bharti AXA office and inquire about two-wheeler insurance.
  2. Collect the form and fill in the necessary details.
  3. Choose a policy and a quote as per your suitability.
  4. Make payments via cheque or DD.
  5. Collect the policy details in hard copy.

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

The Bharti AXA third-party two-wheeler insurance covers the following damages:

  • Third-party vehicle damage
  • Third-party bodily injuries and death
  • Third-party property damages would also be covered under the Bharti AXA two-wheeler third-party insurance.

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

The Bharti AXA bike third-party insurance does not cover the following damages:

  • A third-party insurance policy would not cover the policyholder's damages.
  • Own damages incurred as a result of manmade or natural disasters
  • Damages due to drunk driving
  • Damages due to illegal driving
  • Damages incurred outside of the desired geographical area
  • Damages incurred as a result of nuclear wars and perils
  • Damages due to driving without a valid licence
  • Damages due to driving with an expired insurance policy

Key Benefits of Purchasing Bharti AXA Third Party Two Wheeler Insurance

The Bharti AXA two-wheeler third-party insurance has the following benefits:

  • Complete coverage for third-party financial liabilities.
  • Takes care of all the legal liabilities incurred by the policyholder during an accident involving a third-party.
  • Is extremely cost-effective as the coverage is limited. 
  • Peace of mind while driving a two-wheeler on Indian roads.

Bharti AXA Third Party Two Wheeler Insurance Review

Buying the Bharti AXA bike with third-party insurance is an excellent choice when looking for a third-party policy. The company performs well with its customers and also provides excellent customer service. You can be sure that your queries will be resolved with immediate effect. The customer service executives work tirelessly 24/7 to provide you with the best experience in terms of vehicle insurance.

Bharti AXA Third-party Bike Insurance FAQs

  • 1. Is it necessary to buy additional cover over third-party insurance?

    It is recommended to buy extra cover on top of third-party insurance as it would safeguard the policyholder in occasions of own damage.

  • 2. What is the standard validity of a third-party bike insurance policy?

    The standard validity of a third-party bike insurance policy is one year. However, if you are a first time buyer, it is valid for 5 years.

  • 3. Would I have to pay a fine if I do not buy third-party insurance for my vehicle?

    If you fail to buy third-party insurance as a vehicle owner, you must pay a hefty fine. In some cases, imprisonment is also enforced on the defaulter.

  • 4. Is third-party property loss during a collision be claimed?

    Third-party insurance covers third-party property losses during a collision.

  • 5. Is it necessary to submit an FIR at the time of claim settlement?

    Yes, an FIR is required at the time of third-party claim settlement.

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