Bharti AXA Two Wheeler Insurance

Bike rides are a pleasant experience. Indeed it is! But the experience only gets safer with a power-packed bike insurance plan. With Bharti Axa two wheeler insurance that space can be assured.

Bharti AXA General Insurance Company Limited is one of the pioneering two wheeler insurance companies when it comes to proving financial protection. It is a joint venture of AXA Group and Bharti Enterprises, with 26% and 74% stake, respectively.

Key Features of Bharti AXA Two Wheeler Insurance

  • Long-Term Protection: With Bharti AXA two wheeler insurance, you can keep your vehicle protected for 2 to 3 years without renewing annually.
  • Online facility: The post-sale-services can be accessed online which saves your time and money.
  • Twin-in-One cover: Two wheeler insurance of Bharti AXA comes with a basic cover with personal accident cover for Rs. 1 lakh for the pillion riders.
  • Additional cover: Bharti Axa offers necessary additional covers for your vehicle at an affordable cost. These add-ons are essential to boost your basic insurance cover. To name a few Nil Depreciation cover, Personal accident cover for pillions etc.
  • Comprehensive coverage: Offers a whole comprehensive coverage for your bike.

Bharti Axa Two Wheeler Insurance Plans

The type of coverage you opt for does affect your bike insurance quotes. Moreover, choosing an appropriate coverage aids you to make the most of your monetary protection. The types of coverage offered by Bharti Axa two wheeler insurance include:

  1. Bharti AXA Third Party Cover

This cover Bharti AXA two wheeler insurance third party cover includes you for third-party injury and property damage owing to an accident. This type of insurance cover is mandatory by the Motor Vehicles Act, 1988. The premium of your third party cover is decided based on the cubic capacity of your bike’s engine. With a third party cover, you can remain stress-free of those unplanned expenses that may arise out of a legal liability. However, this cover doesn’t protect your bike in case of own damage.

  1. Bharti AXA Comprehensive Cover

Apart from protecting your bike against third-party liability, this Bharti AXA bike insurance plan provides coverage to own damage as well. It is an optional cover that you can opt for if you want to protect your finances form the loss arises out of an accident, theft or natural calamities. This cover is recommended by the expert for all-around protection. The premium is decided at the time of buying a plan and it may vary insurer to insurer. It is decided based on the bike make and model, manufacturing year, cubic capacity or location of registration.

Bharti AXA Bike Insurance Add-on Covers

Personal Accident Cover for Pillions

Zooming away on your bike can be thrilling. But accidents can be dangerous for both the driver and the pillion rider. Since the risk of accident should not pale your excitement, having personal accident cover is a need of the hour. Apart from offering ultimate protection in case of permanent disability or death to the owner-driver, it covers the partial disability of the pillion rider as well.

Zero Depreciation cover

With a basic policy, when a claim is registered, you will have to bear the depreciation on repair expenses. This is applicable to plastic, fibre, glass parts and rubber. However, with zero depreciation cover you can claim for the complete value of the bike without paying the depreciation cost.

Bharti AXA Two Wheeler Insurance Inclusions

Your Bharti AXA two wheeler insurance cover your bike for the damages due to:

Manmade Disasters

Natural Disasters

Personal Accident Cover for owner-driver

Third-Party liability

Fire

Theft

Terrorism

Riot

Strike

 

Flood

Earthquake

Storm

Landslide

Hurricane

Cyclone etc.

In case the owner-driver is injured or die during an accident Losses/damages to the third-party, bodily injury or third-party property damage are covered.

Bharti AXA Two Wheeler Insurance Exclusions

The below conditions are not covered under this plan:

  • Damages or losses to the bike while driving under the influence of alcohol or other drugs
  • With age, the bike is bound to face normal wear and tear which is due to the depreciation. This is not covered.
  • In case of an accident, if the driver is found riding without a valid licence or if the person is underage.
  • If using your personal bike for commercial purposes.
  • If driving with an expired policy
  • Mechanical and electrical damages
  • If driving outside the geographical boundary

Why you Should Consider Bharati AXA Long-term Bike Insurance

  • Save More

Long-term policy saves you against the hikes of annual third-party premium by IRDA. You can avail a discount of 10% and 20%  for 2 or 3-year policy on premium.

  • Long-Term Financial Protection

With this you are your prized passion is financially protected for a longer period of 2 to 3 years. On the other hand, a single-yer policy only covers you for one year.

  • Earn Better NCB discounts

You can reap better NCB benefits with long-term insurance. With single-year policy, the earned NCB bonus goes zero in case you file a claim. But this is not the case with a long-term policy. It might get reduced by a certain percentage but never goes nil.

  • No more annual renewals

You can’t afford riding your bike with a lapsed policy, even a day. Instead of stressing on every year renewal, opt for three-year policy and keep the annual renewal stress at bay.

Bharti AXA TwoWheeler Insurance Cashless Claim Process

Bharti Axa bike insurance offers a hassle-free and easy-to-comprehend claim settlement process. In the event of an accident, you can choose cashless services at the network garages. The step-wise procedure of cashless claim is given below:

  • Inform the insurer. Or call them at the toll-free number
  • The customer service executive will register your two wheeler claim and will give you a claim registration number for future reference.
  • You can make arrangement for towering the vehicle to one of the network garages near to your place.

Documents Required for Bharti AXA Two Wheeler Insurance Cashless Claim Settlement

  • Duly filled and signed the claim form
  • RC book of the vehicle
  • Driving Licence (DL)
  • Police FIR in case it is third party injury or property damage case
  • Policy document
  • KYC documents in case the liability is above Rs.1 lakh

Bharti AXA Two Wheeler Insurance Claim Settlement Process

  • After receiving all the documents and verified, the insurer will confirm liability and same will be communicated to the network garage. A surveyor will be appointed to coordinate the same.
  • Post-repair, a re-inspection might be done by the surveyor
  • After receiving the repairing bills from the garage, Bharti AXA bike insurance will issue a delivery order of the vehicle
  • A satisfaction voucher will be signed by you and the vehicle will be realised thereafter.

Bharti AXA Two Wheeler Insurance Reimbursement Claim Process

Approach a non-network garage and repair the damages. Pay the bills on your own and make a claim later.

  • Inform the insurer Or call them at the toll-free number
  • The customer service executive will register your claim and will give you a claim registration number for future reference. You will need to submit the required documents as suggested by the customer-support desk.

Documents Required for Bharti AXA Two Wheeler Insurance Reimbursement Claim Settlement

  • Duly filled and signed the claim form
  • RC book of the vehicle
  • Driving Licence (DL)
  • Original repair bill
  • Receipt of the paid amount
  • Police FIR in case it is third party injury or property damage case
  • Policy document
  • KYC documents in case the liability is above Rs.1 lakh

Finally the Claim Settlement

  • After receiving all the documents and verified, the insurer will confirm liability and same will be communicated to the network garage. A surveyor will be appointed to coordinate the same.
  • Post-repair, a re-inspection might be done by the surveyor
  • Produce the original repair bill, receipt of the bills with the discharge voucher duly signed by you
  • The insurer will process the settlement as soon as possible.

Bharti AXA 2 Wheeler Insurance Renewal Online

In order to uninterruptedly enjoy the policy benefits of Bharti AXA two wheeler insurance, you need to renew it on time. With internet booming day by day, things have become easier where you can renew your policy within a few clicks. We’re talking about the online renewal of two wheeler insurance. In line with this, Bharti Axa offers complete accessibility to its customers to experience a hassle-free renewal. They feel the urgency that when the time is a real constraint, online renewal comes in handy. All you need to do is-

  • Visit the official website of Bharti Axa
  • Navigate through the two wheeler insurance renewal tab
  • Enter your policy number and expiry date of the policy
  • Enter your name, registered email Id, contact number, date of registration etc.
  • After calculation, the premium, pay the same online via Credit/Debit card, net banking etc.

Bharti AXA Two Wheeler Insurance Premium Calculator

By using Bharti Axa two wheeler premium calculator, you can evaluate the value of your premium. This helps you calculate the premium by taking into consideration your insurance needs, risk appetite and type of insurance that you want. You may require to enter some details including the model of your vehicle, the age of the vehicle, registration area, cubic capacity, IDV and certain personal details to calculate the accurate premium.

Policy Renewal Reminder

In the midst of hustle and bustle of life, it is hard to remember policy renewal date. Isn’t it? Fret not. With Bharti Axa, you can opt for renewal reminder where the insurer reminds you of the renewal date before the policy expires. All you require to do is fill in your details online on the given tab. Your renewal reminder will be sent on time.

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