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Bharti AXA General Insurance Company
Bharti AXA Life Insurance is a partnership between two companies: Bharti Enterprises from India and AXA Group from France. Bharti owns 74% of the company, and AXA owns the remaining 26%. The company works in many countries around the world. Its main offices are in Europe, North America, and the Asia-Pacific region.
Bharti AXA started its business in 2006 and has its head office in Mumbai. The company offers many types of insurance and wealth management products to its customers. Today, the company has a wide network in about 123 cities across India.
Key Features of Bharti AXA Bike Insurance
It gives full protection, including third-party cover, personal accident cover, and protection against theft, natural disasters, and man-made damage.It has many cashless garages, so you can get your bike repaired easily without paying upfront.The claim process is simple and fast.You can save money on your premium by earning a No Claim Bonus for every year without a claim.You get help anytime with 24×7 customer support for questions or claims.
Bharti AXA’s two-wheeler insurance can be customized to fit your needs. You can choose a comprehensive cover for more protection, or choose covers for own damage and third-party liability.Comprehensive Cover A comprehensive insurance policy is the best option if you want full protection for both your vehicle and yourself. It automatically covers:Third-party liabilitiesDamage to your own vehicleInjuries or death to the owner and pillion rider under personal accident coverTheft or burglaryNatural disasters like earthquakes, floods, cyclones, storms, etc.Riots or terrorist activitiesDamage during transport by road, air, water, or liftThird-Party Liability Coverage This cover is required by law and is needed by every bike owner. It is a basic bike insurance policy that only covers damage or injury to others in case of:Injury to a personDamage to property or a vehicleDisabilityDeath from an accident, natural disaster, or theft involving your bikeStandalone Own Damage Cover This cover protects you from losing money or damage caused by:An accident or crashNatural disasters like floodsTheft
Types of Bharti AXA Two-Wheeler Insurance
Bike Insurance Plans By Future Generali
Add-on Covers in Bharti AXA Bike Insurance
Bharti AXA provides extra options (called add-ons) with its bike insurance to give you more protection.
- 01
Zero Depreciation Cover
The Zero Depreciation Cover helps you get the full claim amount when you make a claim. Normally, when you make a claim, the insurance company reduces the amount because of the age of the parts in your bike (this is called depreciation). But with this cover, there is no deduction for the age of the parts. So, you get the full amount to repair or replace your bike parts, which helps save money.
- 02
Engine Protect Cover
The Engine Protect Cover is useful if your bike’s engine gets damaged. Sometimes, water can get into the engine during floods or heavy rain, or oil leakage can cause damage. This cover helps pay for the repair costs if such damage happens. Normally, engine damage is not covered in a basic bike insurance policy, but with this add-on, you get extra protection.
- 03
Roadside Assistance
Roadside Assistance is a helpful coverage that gives you support when you are in an emergency. If your bike breaks down or you get a flat tyre, you can call for help. This service can assist with small repairs, provide fuel, or even tow your bike to the nearest garage if needed. It makes sure you are not stuck on the road for long and helps solve problems quickly.
- 04
Personal Accident Cover for Pillion Rider
The Personal Accident Cover for the pillion rider is an important add-on if you often have a passenger on your bike. If the pillion rider (the person riding behind you) gets hurt or dies in an accident, this cover provides financial protection. It helps pay for medical treatment, injury, or death. It ensures that the co-rider is also covered, not just the rider.
- 05
Consumables Cover
The Consumables Cover helps pay for small parts like engine oil, nuts, bolts, and lubricants, which are often needed during bike repairs. These small items are not usually covered in the regular insurance policy. But with this add-on, the cost of such items is included in your coverage. This helps lower the repair cost and ensures all parts of your bike are taken care of.
Inclusions and Exclusions of Bharti AXA Bike Insurance
Knowing what Bharti AXA Bike Insurance covers and what it doesn’t helps you understand the policy better. This makes it easier to choose the right one.
What Does It Cover?
Accidental Damage
Pays for repairs if your bike gets damaged in an accident.
Theft of the Bike
Gives you money if your bike gets stolen.
Fire Damage
Covers damage from fire, explosion, or if the bike catches fire on its own.
Natural Disasters
Protects against floods, earthquakes, storms, and other natural disasters.
Man-made Disasters
Covers damage from riots, strikes, vandalism, or harmful actions by people.
Third-party Liabilities
Pays for injuries, death, or damage caused to someone else or their property.
Personal Accident Cover
Covers accidents for the owner-driver, as required by the rules.
Add-on Benefits (if chosen)
Extra protection, like zero depreciation or roadside help, if you add them to your plan.
What Does It Not Cover?
Regular Wear and Tear
Does not cover normal wear, tire damage, or routine maintenance.
Mechanical or Electrical Breakdown
If your bike breaks down due to internal problems, it’s not covered unless you add extra cover.
Drunk or Illegal Riding
No cover if the rider is drunk or doing something illegal.
Driving Without a Valid License
Claims will not be paid if the rider doesn’t have a valid driving license.
Use Outside Policy Terms
No cover if the bike is used for business purposes, when it's only insured for personal use.
War or Nuclear Risks
Loss due to war, rebellion, or nuclear risks is not covered.
Consequential Loss
If there are indirect losses after an event, they will not be paid.
Documents Needed to Buy Bharti AXA Bike Insurance
You need these documents to buy Bharti AXA Bike Insurance:Bike Registration Certificate (RC) Proof that the bike is registered.Valid Driving License A driving license that is not expired.Aadhaar Card or PAN Card Used as identity proof.Bike Engine or Chassis Number Helps identify your bike.Previous Insurance Policy Details Needed only if you are renewing your bike insurance.
Step 1 Go to the Square Insurance website: www.squareinsurance.inStep 2 Click on “Bike Insurance” in the Insurance Products section.Step 3 If your bike is new, click on “Got a New Two-Wheeler.”Step 4 If your bike is old, enter your bike registration number and click “View Plans.”Step 5 Enter simple details like RTO, bike brand, model, variant, and registration year.Step 6 You will see many insurance plans. Compare them and choose the Bharti AXA bike insurance plan.Step 7 Pay online for the plan you choose. After payment, the policy will be sent to your email.
How to Buy Bharti AXA Bike Insurance from Square Insurance?
FAQs
Bharti AXA provides bike insurance, car insurance, health insurance, and other general insurance plans.
You can pay online using your credit card, debit card, or net banking. You can also set up auto-debit with your bank. If you want, you can pay by cash or cheque at the branch.
There is no limit. You can choose only the add-ons you need, or you can choose all of them.
You can visit the Bharti AXA website and download the claim form. You can also check the list of network garages where cashless claims are available.
You can call the toll-free number and ask to cancel your policy. The customer support person will tell you which documents are needed. The cancellation process may take up to 30 days. After cancellation, you will get a confirmation letter.