If you are wondering about why and how to get the right two wheeler insurance for your bike, this article would inform why Bharti Axa bike insurance can provide you with immense ease and peace of mind regarding you and your precious vehicle.
This will also tell you briefly how to check for the most suitable insurance plans using bike insurance calculator and the main features of Bharti Axa insurance for your bike.
Types of Bharti Axa Bike Insurance
Over the years, Bharti AXA General Insurance Company Limited has been established as an esteemed and highly reputable general insurance company. The two-wheeler insurance offered by them can be broadly divided into the following broad categories:
Third-Party Liability Coverage
This third-party liability coverage is usually mandated for anyone who owns a two-wheeler. However, this provides coverage only for any third party damages that might have been caused by your vehicle. This is the very basic form of insurance coverage that is not really advisable for anyone to go for since it offers the most basic protection for the third party only, and not for you or your vehicle.
Comprehensive Insurance
With comprehensive Bharti Axa bike insurance, you would be covered for the loss or damages to your vehicles as well as any injuries suffered by you. This comprehensive coverage can also protect you from third-party liabilities. This is the ideal insurance plan that should be chosen by everyone.
Add-On Coverage For Your Two-Wheeler
Along with the above, you can add additional coverage into your Bharti Axa insurance plans. You can add on to your insurance premium, for coverage of additional occupant in your bike.
How to Use Bike Insurance Calculator?
With bike insurance calculator, you can easily calculate how much premium you would need to pay for different amounts of coverage. These days, bike insurance calculator national insurance has become a very routine feature in any insurance website. So, it is vey easy to access for anyone. Just make sure that the bike insurance calculator India that you use is provided by a trustworthy source. Of course, referring to the company’s own insurance calculator would provide the most accurate information.
Ensure that you fill all your details properly and use the filters that are provided in order to maximise the efficiency of the bike insurance calculator. While using the bike insurance calculator, be aware that how much premium you would have to pay would be directly affected by how much coverage you need for your two-wheeler. So do not just think about saving money when using bike insurance calculator, rather focus on the long-term benefits of having proper coverage for your vehicle.
Main Features of Bharti Axa Bike Insurance
Below we have briefly collated the main policy inclusions and exclusions of Bharti Axa Bike Insurance. Before buying insurance for your bike, read these very closely so that you are clear about the terms under which your claims would be entertained.
Policy Inclusions
Any damage to your vehicle from natural disaster such as cyclones, storms, etc., as well as from man-made disasters such as fire, riots or strikes would be covered by your Bharti Axa insurance. Any accidents that are caused on the road would also be covered. Your insurance would also provide coverage for third party liabilities and claims for any injury or death of the driver or owner of the vehicle.
Policy Exclusions
If the accident or loss had been caused due to intoxication or other anti-social behavior, your bike insurance policy would not cover that. Other illegal activities such as driving with an expired license, or using the vehicle for commercial purposes, would also make you exempt from receiving any kind of policy coverage.
Any regular wear and tear, which might be caused to the vehicle after a period of time, would also not be covered by the policy.
Claims and Renewal in Bharti Axa Bike Insurance
With Bharti Axa bike insurance claim form online, the process to make claims has been very simplified for customers. Now, all you need to do is to download the form and provide the policy number along with details regarding the accident location and time, vehicle condition, etc. and you can generate your claim. Again, you can renew your bike insurance very easily online. There is also provision for 2-3 years bike insurance so that you do not have to renew your insurance every year.
Lastly, in case of any problems with the claims process or any kind of grievances, you can easily call or email Bharti Axa bike insurance customer care to register your issue and get it fixed easily.
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