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Bharti AXA Car Insurance Online

Bharti AXA General Insurance Company is a joint project between Bharti enterprise an Indian conglomerate and AXA, a leading financial protection group in the world. Registered under IRDA and started its operations in August 2008.

We offer insurance solutions for wide range of possibilities in distinct verticals motor, two-wheeler, health, travel, home, student travel.

Bharti AXA has a distinct approach with adverse possibility coverage solutions to wide range of customers.


Over 9.8 Million policies issued

Yea, we have issued 9.8 Million policies to our customers, our simple and paperless documentation process online helps issue insurance policies to our customers easily.

Claims settled

We settled 1.3 Million claims and stood as the best insurance company for immediate claim settlement. Bharti AXA team worked round the clock for hassle-free claim settlement without any delay, stringent rules have been implemented for fast claim settlement.  

Our presence across India

We have 79 branch offices across India, a customer can find our branch offices in metro and 2nd tier cities to solve all queries related to insurance.

2500+ network garages

Our widespread network garages make our customers find the network garages near to their place to get the damage repairs done.

AXA Assistance

We are ahead in providing 24*7 worldwide assistance your abroad travel makes you stress-free by AXA assistance.

Bharti AXA motor insurance policy

Types of car insurance policies

Broadly, auto insurance policy is divided into 2 types for unpredicted damage loss

Third party insurance

Damage caused to the third party in case f accident made by the policyholder and also third-party property damage is claimed.

IRDA (Insurance Regulatory Authority of India) has made a recent update in the premium for third party insurance.

                         Cubic capacity


< 1000cc


1,000cc -1,500cc


> 1,500cc



Note: The maximum limit of compensation is up to 7.5 Lakhs. The amount of compensation is determined by a court of law.

Comprehensive car insurance policy

Get claim assistance in case of damage to your vehicle in case of accident, theft, vandalism, floods, fire, damage caused by animals and other natural disasters except for damage due to a collision. Comprehensive car insurance policy is claimed by the calculating value of the vehicle after deducting depreciation. Passenger/ driver damage claim is calculated as in case of disability is as follows:

 Type of injury

 Claim level



Loss of one limb and one eyesight


Loss of two limb and full eyesight


Permanent disablement


Bharti AXA car insurance Add-on covers

Zero depreciation cover

Get zero depreciation cover to avail the optimum benefits at the time of claim settlement, get rid of depreciation on the expense of plastic, fiber, rubber and glass parts. Get 100% claim on these parts for repairs/ replacement.  

Roadside assistance

In case of emergency breakdown of your vehicle, Bharti AXA team will assist you in emergency situations for fuel filling, towing, flat tires, and repairs.

Co-passenger cover

Bharti AXA co-passenger cover avails you 2 lakhs personal accident cover and up to 1 lakh co-passenger cover. 

Medical expenses

Get Bharti AXA medical expenses cover 10,000 0for treatment and medication.

Hydrostatic lock

In case of engine damage due to heavy rains or floods, Bharti AXA hydrostatic lock add-on cover helps to avail coverage of repairs and replacement of damaged parts. This add-on is applicable to vehicle aged less than 5 years.

Consumables cover

Expenses incurred on consumables nuts, bolts, brake oil, engine oil are claimed in case of any damage repairs Bharti AXA consumables cover is helpful.

A policyholder can choose the required add-on to protect from any hazards, Bharti AXA gives you extensive add-on options for optimum coverage of your vehicle and personal too.

Exclusions of Bharti AXA car insurance policy

Drunk & Drive

Driving vehicle under the influence of alcohol is offense by a court of law and accident made under influence of alcohol cannot be claimed.

Planned accident

Staged accidents are offense, organized accidents to get claim is void. In staged accidents, your entire policy will lapse.

Commercial use

If the policy is registered for personal use and the actual activity of vehicle is for commercial use. In an improper disclosure of vehicle use will void the car insurance policy.

Valid license

If a person driving a vehicle without any valid license will lapse your entire policy and a policyholder cannot claim compensation for damage caused by wrong side driving.

Savings on Bharti AXA auto insurance premium

Bharti AXA policy avails you the discount on your car insurance policy for passing specific guidelines.

No-claim bonus

No claim bonus is a discount given by policyholder for accidental-free driving. This discount is to encourage the safety driving without any accidents.

Secured devices

Installation of secured devices like an anti-theft system, handle lock system decreases the risk of theft this, in turn, helps you to avails the discount.

AAI membership

Policyholder gets 5% discount for being a member of Automobile Association of India (AAI). 

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  • Zero Depreciation Cover
  • Engine Protect Cover
  • Roadside Assistance
  • Consumables
  • Invoice Cover
  • NCB Protector

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Customer Reviews

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