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Is Car insurance Premium based on Car’s Colour?


What is a Car Insurance Premium and the factors that affect it

Car insurance is one of the essential insurance plans that an individual can take. One of the most crucial elements under any insurance plan is the level of premium concerned. A car insurance premium is an amount that a car owner pays for getting the respective protection. The premium under such insurance is influenced by factors such as

  • Geographical location
  • Credit history along with previous claims history
  • The age, gender and marital status.
  • Driving record and vehicle information.
  • The driving experience

Does the car colour influence the insurance premium?

There is a myth that the colour of the car is the determinant of the insurance premium that an assessee has to pay. This myth is utter rubbish from both logical as well as an ethical point of view. The reason being insurance companies do not even have the details about the respective car colour, they do their operations based on Vehicle Identification Number (VIN). However, it must be noted that custom paint jobs can affect insurance premium rates accordingly.

Avoid the myths

There are tons of myths associated with car insurance plans that need to be reasoned with accordingly. Bharti AXA provides a platform for you to buy auto insurance policies along with attractive car insurance premium and add on covers.

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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 Insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice for Travel/Health/Motor. 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.

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