Bharti AXA CAR Insurance What to look for while buying a new car insurance? 11 Apr 2018 What to look for while buying a new car insurance? Vehicle or motor insurance is a special motor car insurance policy that offers protection to the vehicle owner or driver against all types of financial loss that might arise out of the theft, loss, or damage to the vehicle. Most of the motor car insurance coverage also includes loss or damage caused to the property, person, or vehicle of the third-party. In India, most of the car owners consider it a daunting task to go for buying a four-wheeler car insurance. However, it is important to understand the inevitable benefits and risks a four wheeler car insurance policy has to offer for your vehicle. Before buying any car insurance plan, it is considered a wise decision to compare different car insurance online policies as per the different insurance factors. Here are some things to consider before buying the motor car insurance plan: Third-Party Insurance is Mandatory: As per the Motor Vehicles Act and the Indian Road Safety Act, buying a car insurance third party liability cover has been made mandatory. Therefore, if you are buying your dream car for the first time, it is suggested to go for selecting the third-party insurance coverage before driving the same on the roads. This will help you in an event where in you are at fault during loss or damage caused to the third-party property, vehicle, or person in a car accident. Seek Comprehensive Car Insurance for Overall Protection: When you are buying the car insurance plan for yourself, a comprehensive plan is considered an asset. A comprehensive car insurance policy is aimed at offering full-range protection to your car against all natural & man-made disasters including thefts, accidents, fires, floods, and others. Seek Additional Add-On Covers: There are several motor car insurance companies offering lucrative add-on covers for the purpose of enhancing your overall insurance profile. Some of the most famous and useful add-on covers for your insurance plan include roadside assistance, personal accident cover, engine repair or replacement, hospital charges, and so more. These additional covers will help in offering you extra protection along with the standard four-wheeler insurance policy. Do Not Ignore the Personal Accident Cover: Out of all the given add-on covers, personal accident cover can serve to be the most vital aspect that you should consider including in your insurance plan. When you opt for the personal accident cover, you are offered additional protection against any kind of disability or physical damage caused to the car owner-driver during the car accident or road mishap. You can avail this add-on cover for yourself and the co-passengers as well based on the vehicle’s seating capacity. Go for Voluntary Deductibles: If you wish to lower the car insurance premium rates, you can consider opting for higher deductibles. With the given option, you are agreeing towards sharing the costs of repairs or replacements in case of any insurance claim. As a result, this would reduce the overall premium of your insurance plan. Factors Affecting Premiums: There are several factors that might affect the premium rates for your motor car insurance plan. Right from the demographic factors like age, gender, location to the car-related aspects like age of the car, car model, presence of advanced features, your personal driving history, credit history, and so more –all of these play an important role in determining the premium rates for the given insurance plan that you have chosen. Make sure you buy the best and the most reliable car insurance plan! Explore Our Products Car Two Wheeler Travel Health Bharti AXA Advantages We've raised the bar in being your Car's ideal insurance companion 3.5 MILLION ISSUES CLEARED 4500+ CASHLESS GARAGES IN INDIA 79 BRANCHES ACROSS INDIA 24/7 CLAIM ASSISTANCE Get Quote Request Call Back Category * - Select -CarTwo WheelerHealthTravelPersonal Accident Buy Renew Claim submit 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.