Bharti AXA Own Damage Bike Insurance

Bharti AXA Own Damage Bike Insurance protects your own bike from accidents, theft, fire, and damage caused by natural or Read More

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Premium coverage starts at ₹ 457*

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It is a good choice for riders who want to avoid high repair costs and keep their bike safe. You can also add extra covers for better protection and peace of mind.

Bharti AXA Third Party Comprehensive Standalone Own Damage Zero Depreciation Claim Renewal Policy Download Customer Care

Key Features of Bharti AXA Standalone Bike Insurance

Here are the main features of Bharti AXA Standalone Bike Insurance:

01
Accident Damage Cover
It pays for repair or replacement if your bike is damaged in an accident or a fall.
02
Natural Disaster Cover
It covers damage caused by floods, earthquakes, storms, fire, or lightning.
03
Theft Cover
It gives financial help if your bike is stolen or damaged due to theft.
04
Man-Made Damage Cover
It covers loss caused by riots, strikes, or vandalism.
05
No Claim Bonus (NCB)
You can get a discount on your renewal if you do not make any claims.
06
Add-On Covers
You can choose extra covers like zero depreciation, engine protection, and roadside help.
07
Cashless Garage Service
You can get cashless repairs at Bharti AXA network garages.
08
Easy to Buy and Renew
With this, you can buy or renew the policy online easily.
09
Simple Claim Process
Your claims are handled in a smooth and easy way.

Standalone Bike Insurance v/s Third-Party Bike Insurance v/s Comprehensive Bike Insurance

Features	Own Damage Insurance	Third-Party Insurance	Comprehensive Insurance
Cover your own bike	Covers damages to your bike only	Not covered	Covers damages to both your bike and third-party liabilities
Third-party liability coverage	Not covered	Covers third-party property damage and injuries	Covers both third-party liabilities and own bike damage
Coverage for theft	Yes, bike theft is covered	Not covered	Yes, bike theft is covered
Coverage for natural disasters	Yes, covers natural disasters like floods	Not covered	Yes, covers natural disasters
Coverage for man-made events	Yes, covers vandalism and riots	Not covered	Yes, covers man-made events
Personal accident cover	Optional (through add-ons)	Not included	Available as an add-on
Premium cost	Moderate	Lower, as it only covers third-party liabilities	Higher due to broader coverage
Add-on covers available	Available (e.g., zero depreciation)	Not available	Available (e.g., engine protection, zero depreciation)
Legal requirement	Not required	Mandatory by law	Optional but highly recommended
Best for	Those wanting protection for their own bike	Those seeking basic, mandatory protection	Those seeking full coverage for bike, third-party, and theft

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What Does Bharti AXA Standalone Bike Insurance Covered and Not Covered?

Here are the things that the Bharti AXA Standalone Bike Insurance usually covers:CoveredDamage to your bike from accidentsLoss or damage caused by fire or explosionTheft or robbery of your bikeDamage caused by floods, storms, earthquakes, or other natural disastersDamage caused by riots, strikes, or vandalism (when people damage things on purpose)Free repairs at certain garages in their networkHere are the things that the Bharti AXA Standalone Bike Insurance does NOT cover:Not CoveredInjuries to others or damage to other people's propertyRiding while drunk or on drugsRiding without a valid driver's licenseNormal wear and tear or parts getting oldBreakdown of the bike’s mechanical or electrical parts that is not caused by an accidentDamage that happens outside IndiaLoss caused by war, nuclear risks, or rebellion