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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 man-made events. It pays for repair or replacement if your bike gets damaged. This insurance does not cover damage or loss to other people. So, you must buy it along with a valid third-party bike insurance policy. 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.
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 |
Bike Insurance Plans By Bharti AXA
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
FAQs
It is an insurance plan that covers damage to your own bike. It helps pay for repair costs if your bike is damaged or stolen.
No. This plan only covers your bike. You need a separate third-party insurance for legal protection.
Yes. You can get cashless repairs at Bharti AXA network garages.
No. Own damage insurance is optional, but third-party bike insurance is mandatory by law.
Anyone who wants financial protection for their bike against damage or theft should buy it.