5 Things Which Can Bring the Difference in Your Car Insurance Premium| Bharti AXA GI&&Read about the five factors that determine your Car Insurance Premium. Learn how you can reduce your deductibles with the help of these simple tips. &&car insurance, car insurance premium, vehicle insurance policy premium, buying car insurances, bharti-axagi

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim

Track Claim



About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals


Contact Us

Become A Partner

Become A Partner


Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Corona Kavach Policy

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre




Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us


Contact Us

Cashless Garages

Cashless Hospitals

Branch Locator


Investor Relation Information


Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount


Notice Of General Meetings

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App


Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

Explore Our Products
[object Object]
[object Object]

Car Insurance


Two-wheeler Insurance


Health Insurance


Travel Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Most Recent Blogs


Things that are Not Covered under Health Insurance

18th Jul,2020



List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020



Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020



Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020


5 Things Which Can Bring the Difference in Your Car Insurance Premium

We often take a look at the deals that others get in order to confirm that the ones we got are fair. When it comes to buying Car Insurances, more often than not, there are anomalies with the premium rates being offered to you. Premium rates can change from person to person even if they own the same car. Here are the five factors that come into play while buying Car Insurance.

Five Factors That Affect Your Vehicle Insurance Policy Premium

1.Policy:Depending upon the insurance policy that you choose, your insurance premium rate will be affected. Furthermore, choosing a deductible will affect your policy plan. If your policy has a higher deductible amount, your monthly premium will be lower. A lower deductible will result in higher monthly premiums. Moreover, additional coverage to your insurance policy will result in addition to your monthly payments.

2.Car:Depending upon what you drive, your Car Insurance Premiums will differ. Some cars have higher safety ratings than others and result in a lower premium rate. Cars which have a lower safety rating will result in increased premium rates as there is an increased risk of accidents in these cars.

3.Usage: The more time you spend driving on the road, the greater the risk of an accident. Reducing the amount of distance will help you achieve lower premiums with your Car Insurance. As an alternative mode of transport, you could make use of public transport, or use a bike.

4.History: If you are a driver with an ample amount of experience and have a good history of insurance claims, then your premium will most likely be less than an inexperienced drier who is a high-risk customer.

5.Coverage: Depending upon the type of Vehicle Insurance Policy that you choose – Third Party or Comprehensive, your premium rates will differ. Third Party Coverage offers a much lower premium rate than Comprehensive Coverage but it only covers the damage done to the Third Party and doesn’t cover the policy holder.

Bharti AXA’s Guide to Reducing Your Car Insurance Premium Rate

When it comes to buying Car Insurances, it is not advisable to compromise with coverage. However, it is possible to reduce your premium by following a few good driver habits. Reducing your annual distance covered helps you become a low risk driver and thus helps you get a lower premium rate. Furthermore, buying a car with all safety requirements fulfilled will also have a positive impact on your goal of having reduced premiums.