Bharti AXA's two-wheeler insurance policies are admired for being simple yet comprehensive in nature. They offer protection against third-party liabilities and damages to you, your bike, scooter, auto-cycles and mechanically-assisted pedal cycles arising due to unfortunate events.

  • Cashless Claims.
  • Multiple Add-ons.
  • 94.06% Claim-settlement Ratio.
  • Instant Online Policy & Hassle-free Renewal.

Bharti AXA two-wheeler insurance from Bharti AXA General Insurance Company Limited serves millions across India through 5,200+ network garages, 24x7 claim assistance and other practical offerings.

Bharti AXA Bike Insurance Features & Advantages

  • Coverage duration of 1 to 5 years.
  • Three two-wheeler insurance plans.
  • Third-party liability, comprehensive and standalone own damage covers.
  • Addresses physical hurt to individuals and liabilities to third parties when their property gets damaged due to your bike/scooter/auto-cycle accidents.
  • Compensates losses occur because of natural calamities such as storms, cyclones, typhoons, earthquakes, hailstorms, inundation or lighting and human-made incidents like riots or terrorist attacks.
  • Compulsory personal accident cover of up to 15 lakh rupees for owner/driver.
  • A gamut of add-ons.
  • No-claim bonus.
  • Option to choose long-term covers and safety from premium hikes.

Bharti AXA 2 Wheeler Insurance Policies & Variants

  • Bharti AXA Two-Wheeler Third-party Insurance: Legally mandatory as per the Motor Vehicles Act, 1988.
  • Also called third-party liability coverage.
  • Protects you against property damages, bodily harms, injuries or death of third parties because of accidents involving your bike or scooter.
  • Includes the mandatory personal accident cover of up to 15 lakh rupees for the owner/driver.
  • Bharti AXA Comprehensive Two-Wheeler Insurance: A 360-degree extensive cover takes care of third-party damages and own damages to your two-wheeler.
  • Includes the mandatory personal accident cover of up to 15 lakh rupees for the owner/driver.
  • Bharti AXA Standalone Own Damage Cover: Does not take care of third-party liabilities. The standalone cover can only be purchased once you have long-term third-party insurance.
  • Protects from damages to two-wheelers due to accidents, humanmade reasons, thefts and natural calamities.
  • No protection against depreciation, electrical/mechanical breakdowns or damages in instances with drivers under the influence of alcohol/drugs, found underage, or without a valid driving license.
  • Option to buy add-ons.

Bharti Insurance Two Wheeler Add-Ons

  • Depreciation Add-on: No depreciation on repair/replacement expenses for glass, fibre, rubber or plastic parts.
  • Personal Accident Coverage: Beneficial for covering losses during accidents resulting in multiple injuries, disabilities or death. 

Bharti AXA Two Wheeler Insurance Policy Major Exclusions

  • Damages caused by drunk driving.
  • Usual wear/tear.
  • Driving without a legal license.
  • Consequential damages.
  • Mechanical failures.
  • Contributory negligence.
  • Staged accidents.

Bharti AXA Two Wheeler Policy Discounts

  • Voluntary Discounts: 5% to 25% on own-damage-premiums (ODP), maximum of 250 rupees. Applicable if you choose to pay the minimum amount at the time of claim settlement.
  • No-claim Discounts: If you do not make any claims throughout the year, you get a discount of 20% on the premium of the second year. It can go up to 50% for consecutive claims-free years. 

Bharti AXA Two Wheeler Insurance Premium Calculator

The premium for your Bharti AXA 2-wheeler policy is based on factors such as the make/model, city, registration date, add-ons and the use of electrical or non-electrical accessories.

One can compare policies and plans by visiting the Bharti AXA official website. Alternatively, you may use online insurance comparison portals like to explore insurance rates and simplify and speed up the process of buying a bike or scooter insurance.

Bharti AXA Two Wheeler Insurance Renewal & Application

One can apply for a new two-wheeler policy or prefer Bharti AXA two-wheeler insurance renewal by viewing and comparing quotes online through premier insurance comparison platforms such as

Bharti AXA Two Wheeler Insurance Review

Committing to look after your two-wheeler the way you would, Bharti AXA has established itself as the foremost two-wheeler insurance provider in India.

It brings the combined strength and expertise of Bharti Enterprises and AXA, the globally-admired leader in financial protection. Carrying easy-to-understand and feature-loaded insurance plans, it remains the preferred choice for many.

Bharti AXA Insurance for Two Wheelers: FAQs

Q: How is IDV defined for Bharti AXA two-wheeler insurance policy?

The IDV or Insured Declared Value is the maximum sum-assured determined by the insurer and the amount you would receive when the bike or scooter gets damaged or stolen.

Q: What are the key factors that influence my two-wheeler insurance premium?

The type of policy you choose, condition of the scooter or bike, age/gender of the driver, his/her driving experience, brand, functionalities, market or resale value of the two-wheeler, add-on covers opted and modifications made.

Q: Can I pay my insurance premiums in instalments?

The full premium must be collected before the insurance policy starts to comply with section VB64 of the Insurance Act.

Q: What's Bharti AXA two-wheeler insurance claim-registration process?

You may choose out of two options. Intimating the call centre at toll-free number 1800-103-2292, or sending an e-mail at

Q: What are the documents/details that should be available with me while registering a claim?

  • Two-wheeler insurance policy number.
  • RC-Registration, Chassis/Engine details.
  • The contact number of the insured.
  • Date, time, place and description of the accident or incident.
  • Knowledge of the loss and injuries.
  • Driver's name (mentioned in the DL-driving license) and licence number.
  • Current two-wheeler location, if placed with any garage or not.

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for the most up-to-date and precise details.


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