Car Insurance

Types Of Car Insurance Plans That We Offer?

We offer three types of car insurance plans:

• Accidents

  • Any losses or damages that you may suffer due to an accident caused while driving are covered under car insurance policy

• Theft and Burglary

  • Car got stolen? Don’t worry, your Bharti AXA Car Insurance policy will cover you against this loss.

• Third party liability

  • Compensates for injury or damages to a person or property caused by you to another person in a car accident is covered under car insurance policy.

• Natural disasters

  • Natural calamities like earthquakes, cyclones, floods etc. can literally destroy your car. Damages due to such disaster are covered under Bharti AXA car insurance.

• Man-made disaster

  • Any loss occurred due to accidental fire, riots, strikes, etc., is covered under your car insurance policy. 

• Third-party Losses 

  • If a third-party is involved during the accident, you might have to cover their losses. Third-party liability cover protects you from any financial losses in such a scenario.  

• Compulsory Personal Accident Cover - CPA (Owner– Driver) 

  • Car accidents leading to permanent disablement or an unfortunate death of the owner driver is covered in case the insured has opted for it. 

• Drink and drive

  • If you damage the car while you drink and drive, it will not be covered under the car insurance policy. It would be wise to not drink and drive.

• Driving without valid license 

  • Damage to the car while driving without a valid license is not covered under car insurance 

• Commercial activity

  • Using your private vehicle for commercial activities will not be covered under car insurance policy.

• Other reasons 

  • The reasons which are not mentioned above like consequential damages, mechanical breakdown, contributory negligence, staged accidents, and driving outside geographical limits etc. will not be covered.

Key Benefits of Online Car Insurance Policy from Bharti AXA 

Gone are the days when you have to submit piles of documents for buying a car insurance policy. Now you can easily relax and buy your car insurance policy online within minutes while having your morning coffee sips. Still not convinced? These benefits may just change your mind:

Convenience: Just by generating a 3 step Car Insurance Quote visiting Bharti AXA’s website you can buy your car insurance instantly without going through any paperwork. It’s seamless and quick.

Simple Steps: Buy Bharti AXA Car Insurance Instantly by following these steps:
1.    Enter Vehicle Registration No. and Contact Details to get instant quote
2.    Complete proposal by filling personal and vehicle details
3.    Pay and get your policy instantly in your mailbox and WhatsApp

So many payment modes: You can make payment using your preferred digital payment options such as:
1.   Net Banking
2.   Debit/Credit card
3.   Online wallet like PayTM and others
4.   UPI
5.   Google Pay 

Quick assistance: If you have any doubts related to car insurance policy, then you can quickly seek clarification via online chat or call. 
 

Comprehensive Car Insurance

Our Comprehensive car insurance policy provides protection against damages to your car (Own damage cover) and third party liability. Our Comprehensive Car insurance cover will not only take care of costs arising from loss or damage to your car due to accident or theft of vehicle but also damages due to malicious act, burglary, housebreaking, flood, earthquake, fire, explosion etc. Our online car insurance policy cover offers all above coverages under one umbrella and is ideally recommended for all cars.

Both the third-party liability and comprehensive cover plans also include the compulsory personal accident cover for owner-driver with a premium of a particular amount per year, for which the owner-driver is liable to receive a sum assured amount of Rs15 lakhs in case of:

Third Party Liability Coverage

Third party car insurance is the minimum and compulsory four-wheeler insurance cover that you need to take as per the motor insurance law in India. This type of car insurance policy provides coverage with respect to property damages, injuries, disability or death of third parties such as pedestrians as well as drivers and occupants of other vehicles. However, this type of insurance protects the interest of only third parties, not yours.

Third-Party Liability Plan:

Inclusions

• Compensation for bodily injury to third parties due to an accident caused by your car.

• Compensation for property damage to others due to an accident caused by your car. This property could be a car or any other property of third parties.

• Compensation to nominee in case of death of third parties due to an accident caused by your car.

Exclusions

• Compensation for your injury or property damages.

Note: IRDAI (Insurance Regulatory and Development Authority of India) decides and revises the rates for third-party coverage every year. The revised third-party premium rates on motor car insurance as of 16^th June 2019 are mentioned in the table below:

Note: Third-party property damage is compensated up to Rs. 7.5 lakh. In case of injuries/death, the court tribunal will make the decision on the payout.

Third Party rates for new vehicle policy:

As per the new law, in case of new car the premium for four-wheeler insurance covering third-party liability will need to be paid for 3 years in advance.

What Is Car Insurance?

Car Insurance is a vehicle insurance policy to protect yourself from financial losses arising from unforeseen risks such as accidents, thefts or third party liabilities. It is also known as auto or motor insurance. There are two types of motor car insurance in India, third party insurance which protects you from the claim arising out of the accidents involving third parties, and other is comprehensive cover which provides third party cover as well as Own Damage (OD) cover. Own Damage cover protects you from financial losses against accidental damages to your vehicle. 
As per the Motor Vehicles Act, 1988, motor third party insurance is mandatory in India. You can avail four wheeler insurance to obtain cover for you (insured party), your car (insured vehicle) and third parties (other vehicles and their property). You can renew or buy car insurance for both new as well as pre-owned cars. The validity of a car insurance policy for old cars is for a period of one year, whereas for a new car the owner has to mandatory buy 3 years compulsory Third Party with an option of 1 year Own Damage or a 3 years Own Damage.

Planning To Buy Car Insurance Online? This Is What You Need To Know

You spend a good part of your savings to get a new car. You make sure that you follow all the traffic rules, and drive safe, but accidents can still happen. Repairs cost can burn up a hole in your pocket. But, that is not the only thing that may happen – what would happen if your car gets stolen? Can you afford another car to replace the loss? Or if the car is on EMI can you pay up the financing Bank?
The best way to prepare yourself from such losses/ damages is through having a car insurance policy that provides cover to you, your car and the third party.

Stand Alone Damage

This type of Car insurance cover would protect you from losses suffered due to damages caused to your vehicle by an accident, manmade damages, theft or natural calamities. You can opt for Standalone own damage cover policy if your car is already insured with a long-term third-party policy.

This cover protects you from financial implications arising from damages or losses caused to your car. These damage/losses could result from:

1. Road accidents
2. Theft
3. Natural disasters like earthquake, cyclones, floods, etc.

Remember that this cover does not provide coverage against third-party liabilities. As third-party liability insurance is compulsory, standalone own damage insurance can be bought only if you already have a long-term third-party insurance. 

This type of insurance does not cover you against:

1. Depreciation
2. Electrical and mechanical breakdown
3. Any damages arising when the driver is under the influence of alcohol/ drugs, is underage, or does not have a legal driving license

Like with comprehensive insurance, you can also get add-ons with standalone own damage insurance to customize the cover as per your particular requirements. All the add-ons available with comprehensive cover are available with standalone cover as well.

For private car- Yes, you may shift the vehicle to garage. But, if the vehicle is found in immovable condition or you find there is a leakage of coolant/ engine oil then you shouldn’t try to start your car and avail assistance of breakdown service van. For Commercial Vehicle- Scope should be given for spot survey unless there is real constrain in getting it done due to road blockage or other sensitive aspects.

Claim should be reported on immediate basis after the incident/accident. However priority must be given for self-safety & medical assistance (if required).

•     For Total Theft Claims, the intimation to Police & Insurance Company should be given not later than 24hrs.
•     For any delay in claim registration beyond 48 hours of incident/ accident the insured should furnish us with detail clarification in writing.
•    Insurance Co will not stand responsible to cover any kind of aggravation of loss happened due to delay in claim registration or vehicle is not produced for survey.

Claim should be intimated to our call centre (Toll Free: 1800-103-2292) OR E-Mail us at claims@bhartiaxa.com

Electrical accessories cover any electrical and/or electronic equipment that is not factory fitted with the vehicle, e.g. music system, LCD mini TV, Fog lights, etc. Value of electrical accessories will be as declared by the insured.

Non-electrical accessories cover any non-electrical/ non-electronic equipment that is not factory fitted with the vehicle, e.g. mag wheels, leather seats, CNG-kit, interior fittings, etc. Value of non-electrical accessories should be the invoice value of the non-electrical accessories up to the maximum limit of Rs. 20,000/-.

Personal Accident Insurance for Family/ Passenger covers monetary pay outs towards injuries sustained by people/ passenger travelling in the car due to accident resulting in death or disablement. Personal accident insurance covers insured/his family/passengers travelling in the car at the time of accident. 
This add-on covers:

•     Capital Sum Insured limited to maximum of Rs.15 lakh per person.
•     Permanent total disablement
•     Permanent partial disablement
•     Accidental Death

The Insured will be covered for any liability arising from any accident caused by or arising out of the use of the private car in respect of:
Death or bodily injury to third parties (unlimited liability)
Damage to the third party property (minimum of Rs.6000/- and max of Rs.7,50,000/-

No. Add on package can be sold only with car insurance policy. It cannot be sold on standalone basis. E.g. If the car is insured with some other company and you want to buy only add-on from Bharti AXA, in that case this option is not available.

Our standard car insurance attempts to provide protection for all possible situations a driver is likely to face, however despite this it is a policy that covers risks common to most vehicles. Further, there are certain circumstances that are specific to certain regions, vehicle type, level of use etc.
Add on covers provide protection against such specific risks. All you need to do is key-in your details into our quick quote section and you shall receive customized recommendations for add-ons in accordance with parameters like vehicle age, make, model, No-claims-bonus, location among various other factors. Given are certain specific situations where add-ons have benefitted vehicle owners greatly.
Consider the following:
a) Heavy rainfall and flooding
If you happen to live in an area that faces heavy rainfall and is prone to flooding, the chances are that your vehicle will be exposed to probability of water seeping into its engine. And if you even turn on the ignition key of your car while it’s parked in a water-logged area it can cause massive engine damage.
Further, you must know that such damage will be considered as consequential loss and will in all likelihood not be covered by your regular four wheeler insurance policy. A Hydrostatic lock cover addresses precisely this issue. It covers expenses pertaining to engine.
b) A single claim can bring your ‘No-claims-bonus’(NCB) to zero
If you happen to be a cautious driver who has accumulated a fair amount of NCB then imagine your plight if a single claim caused a teenage driver or close relative brings down your No claims bonus to zero. Unbelievably, car insurance offers a solution to this concern in form of ‘No Claims Bonus Protector’ Cover. This cover protects your NCB for 2 admissible claims during the course of your policy period.
c) Bumper to Bumper Driving (Better protection through Depreciation Cover)
Most persons travelling to work and back during office peak hours in a metro or mini metro would know of the jam packed bumper to bumper driving experience each commuter faces. Situations of fender benders are extremely common. Under a regular insurance policy generally only 50% of repair expenses for plastic, fibre and metal parts are reimbursed. Even for other parts the claim amount is subject to depreciation.
This means that you shall receive an amount, which is lower than the actual repair expense. In several cases the amount deducted on account of depreciation could be as high as 50%. Depreciation cover is a solution to this problem. Not only does depreciation cover make up for the depreciated amount it also provides complete repair expense reimbursement for plastic, fibre, glass and metal parts.
The shared examples are just a few but there are several risks that are specific to location, vehicle age, driver type, level of use among others. Add-on covers let you customize your existing car insurance to suit your needs in accordance with risks that are specific to your situation.

Roadside Assistance Cover provides you services in the event of breakdown of your vehicle. Just in case you get stranded in the middle of the road due to a car breakdown, you can fetch help with just one call at any time of the day or night. Roadside assistance cover includes towing service, repairs, changing flat tyres and emergency fuel refuelling etc.

It is a car insurance cover wherein the company shall pay the depreciation amount deducted on the value of the parts replaced i.e. depreciation amount will not be deducted from the claim amount. You can avail this benefit up to 2 admissible claims during the policy period.

Yes, you can also buy additional car insurance covers along with standard car insurance policy online. For car insurance following are some of the important additional covers available.

• Depreciation Cover
• Invoice Price Cover
• Medical Expenses
• Personal Accident Insurance for Family/ Passenger
• Hospital Cash
• Roadside Assistance

The following events or losses are not covered in this policy:

•     Mechanical/ Electrical breakdown
•     Wear and tear, ageing of vehicle
•     Consequential loss*
•     Depreciation
•     Deliberate accidental loss
•     Intoxicated driving
•     Any contractual liability
•     Damage to/ by a person driving any vehicle without a valid license

* Consequential loss is an indirect loss, which is not directly resulting out of a loss event, but arising as a consequence of loss event. For example, Mr. Singh was on his way to office for an important meeting with client. Unfortunately, his car met with a road accident resulting in damages to car and it consumed lot of his time. Due to this, he could not attend the meeting resulting in loss of approx. 15 Lakhs. Damages to car due to the accident are covered, but the loss of 15 Lakhs is consequential and hence not covered.

The private car can be used for social, domestic and pleasure purposes and also for business purposes excluding the carriage of goods other than samples by you or your employees. Bharti AXA will protect you against any loss or damage to your private car and its accessories during the following events:

• Fire, explosion, self-ignition or lightning
• Burglary, housebreaking or theft
• Riot or strike
• Earthquake (fire and shock damage)
• Flood typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost
• Accidental external means
• Malicious act
• Terrorist activity
• Whilst in transit by road, rail, inland, waterway, lift, elevator or air
• Land slide, rock slide

It is recommended to have a comprehensive car insurance policy over the basic third party insurance. As the name suggests a comprehensive vehicle insurance plan offers fuller coverage and more wide-ranging benefits.

If you take a comprehensive car insurance policy, by paying a slightly higher premium you will be covered for third party liability as well as own damage to your vehicle.   

A comprehensive car insurance cover includes:

• Any damage caused to the insured’s car due to floods, earthquakes, landslides, cyclones and other natural calamities
• Loss or damage caused by man-made disasters such as theft, fire, terrorism, riots and strikes
• Any losses and damages caused by road accidents
• Personal accident cover to the owner–driver in case of injury or death from a road accident
• Third party legal liability (mandatory)

Compared to the above, a third party vehicle insurance policy will only cover expenses towards damage or injury to the third party and surrounding property that has been caused by the insured’s vehicle.

Therefore by opting for a comprehensive car insurance policy you get much more peace of mind and financial security.

If you have just bought your own car, the first thing you should do is to also buy car insurance because it is compulsory by law as per the Motor Vehicles Act 1988. In other words it is illegal to own and drive a car in India without having a valid car insurance policy.

Apart from helping you be a law abiding citizen, having motor insurance can also be a life saver for you and your family. This is especially significant given the rising incidents of road accidents as well as theft that are reported in our country.

Having car insurance is also beneficial in times of being affected by man-made disasters such as rioting and natural calamities like earthquakes and floods.

In all these cases, your insurance policy will have you financially covered to lessen the impact of such situations by compensating you for the losses incurred to your vehicle.

There are the main types of car insurance policies offered in India by vehicle insurance providers including long term policies too:

Third Party Liability (TPL)

As per the Motor Vehicles Act 1988, Third Party Liability is the basic minimum vehicle insurance that is necessary for a car owner to have. In TPL the car insurance policy will only cover losses and damages to the third party vehicle and property and bodily injuries caused to the third party, if the accident is caused by your car.

Comprehensive Car Insurance

This type of car insurance policy is wider in scope and benefits. Comprehensive car insurance cover provides financial safeguard that includes own damage (OD) as well as third party liability (TPL). It offers protection from damage to your car due to natural calamities and man-made disasters, theft, road accident and personal accident cover to the car owner-driver in case of injury or death from a road accident.

Insurance companies also offer various add on covers to enhance the policy coverage and meet your specific requirements.

Bharti AXA offers both Third Party Liability as well as Comprehensive Car Insurance. In addition it also offers Stand Alone Own Damage Car Insurance.

Stand Alone Own Damage Car Insurance

You can also buy a standalone own damage insurance cover independent of third party liability that will cover losses to your vehicle only. However it is important to note that buying third party cover is still a mandatory insurance requirement.

• Step 1: Select ‘buy’ or ‘renew’ option under car insurance.
• Step 2: Enter a vehicle and personal details,
• Step 3: Choose Add-on covers and discounts, if applicable to arrive at the final car insurance premium amount.
• Step 4: Add complete details. Check summary. Make the payment.
• Step 5: You will get your car insurance policy in PDF form in your email.
   

Depreciation cover is a benefit under which the depreciation of the car is not factored by the insurance company. So, if there are damages to your car due to an accident, the insurance company will pay for the depreciation amount as well.

Cashless claims help you to get your vehicle repaired without paying money at the network of the garages of the insurance provider. The insurance company will pay the claim amount directly to the garage.

The details required to calculate the premium for new and old car differ a little. Let us look at each of them in turn.

Calculation of premium for new cars

You will have to provide the following information to calculate the premium for new cars:

1. Age of the car

2. Whether the car will be used for personal or commercial purposes

3. Fuel type

4. Insured declared value

5. Cubic capacity of the car’s engine

6. Area where the car was registered

7. Accumulated no claim bonus, if any

8. Owner-driver’s personal details including

   1. Age

   2. Gender

   3. Occupation

9. Voluntary deductibles

Calculation of premium for old cars

The information needed for determining premiums for old cars additionally includes:

1. Current policy details

2. Claim history

3. Previous owner’s details, if any

Remember that only the Own Damage premium and any add-on premiums are decided by the insurer. Third party liability premium and personal accident premium are fixed by IRDAI.

NCB is the discount that insurance company offers if the policyholder does not make a single claim during the policy period. You can accumulate up to 50% NCB discount for every claim-free year until 5 years.

Insured Declared Value (IDV) is the maximum sum assured amount that the insurance company will compensate for the claim. It is considered during the calculation of premium and changes every year after adjusting the depreciation.

Buying a car Insurance policy should not be a random decision. You should buy only the best car insurance in India. It requires due diligence and consideration of the following factors:

• Reputation of Insurance Company

Choose the best car insurance company with an established brand reputation and financial stability. Check out how long the company has been operational in the market, what experience it has and how many four wheeler insurance policies it has issued so far.

• Claim Settlement Ratio

When checking the background of the insurance company, do pay close attention to its claim settlement ratio. You should check how many claims the insurer has settled against the claims received in a stipulated period. Usually, the claim settlement ratio is easily available on the company portal or other reputed websites such as IRDAI.

• Comparison

There are several car insurance companies offering various types of car policies. It is recommended that you make a comparison of the features, benefits, and prices of these policies. You can get a car insurance quote online easily. Remember that a policy with a cheap premium may not be necessarily the best for your car! Choose only the best car insurance in India for 360-degree coverage.

• Premium

The premium you pay on the Car Insurance policy should be affordable while offering maximum benefits and value for the price. Try to understand all those factors that affect the premium amount. If you are comparing prices online, you can ask insurers to send car insurance quote online.

• Network of Garages

When your car is damaged, there are umpteen things running on your mind. Moreover, accidents can happen anywhere, just not in your city or state. Now, you don't want to add the additional stress of finding a reliable garage to get the repairs done. Hence, it is important to buy the car policy only from that car insurance company which has a strong network of garages PAN-India. Before you buy the policy, ask the insurer for the list of garages it has a tie-up with.

• Cashless Claims

Usually, when you make a claim, the four wheeler insurance company asks you to present the bills and then makes the reimbursement. This involves a lot of headache and paperwork for you. However, cashless claims can ensure that the insurer settles the bill directly with the garage and you don't have pay upfront. All you have to do is send claim intimation to the insurance company. So, choose an insurer that offers the facility of cashless claims.

• Customer Service

No car policy promises made by the company are good if it can't serve its customers well, especially after sales and service and at the time of claim settlement. Look for car insurance company which offers 24/7 customer support and can guide you properly at every step. Go through online customer testimonials and reviews on the internet to get an idea of the company's customer service.

• Online Four Wheeler Insurance Policy

Choose four wheeler insurance company that offers online car insurance policy. It is not only hassle-free and time saving to buy the policy, but the premium of online policies is lower too. You can even do car insurance renewal online.

Car Insurance is a gateway to your peace of mind when you are driving your car. As soon as you buy a car, insurance should be your first priority. You should also remember to renew your car policy timely to avoid any losses or putting your security at risk. Buy the best car insurance policy in India now!

If you need any guidance on how to get online car insurance, get in touch with Bharti AXA.

The insurance companies need minimum documentation from Four-Wheeler Insurance buyers. Check out the list of various documents you need to provide.

• The application/proposal form provided by the insurance company.
• A Copy of the Registration Certificate (RC).
• Invoice copy of the new car.
• Identity and address proof.
• Previous car insurance policy along with proposal form, RC & No-Claim Bonus (NCB) letter

in case of Car Insurance Renewal Online as well as offline.

Do note that the four wheeler insurance can be purchased, only by a person who owns a car and is aged 18 years or above. You should make sure to provide complete and accurate information about your car and personal details in order to determine the correct IDV and premium amount. In case the details are misrepresented they can affect not only the premium but also terminate your policy.

You can request the document list either; when you buy Car Insurance online or visit any insurance company branch/advisor.

The IDV of the car is to be fixed based on the manufacturer's listed selling price of the brand and model, as the vehicle proposed for insurance at the commencement of insurance /renewal and adjusted for depreciation. The IDV of the side car(s) and/ or accessories, if any, fitted to the vehicle, but not included in the manufacturer's listed selling price of the vehicle is also likewise to be fixed. The schedule of depreciation for arriving at IDV is as below:

Schedule of Depreciation for arriving at IDV

We at Bharti AXA GI provide you with customized recommendations of car insurance based on your vehicle age, vehicle type, No-claims-bonus etc. All you need to do is key-in your details into our quick quote section to retrieve add-on recommendations. In addition, quick online research is not only quite easy and simple but will also provide you with a fairly good idea of what car insurance add-ons can be beneficial to you.

The discounts that can be allowed under the Private Car insurance policies are Voluntary Deductible discount and No Claim Bonus. Furthermore, you could avail additional discounts on your online car insurance premium, if you have

• ARAI approved anti-theft device

The online advantage enables you to buy the four wheeler insurance policy through web instantly. It saves your time and money. You can get a free quote, calculate your car insurance premium, and buy the four wheeler policy with instantly. You can enjoy hassle free buying without any paperwork. You can buy Bharti AXA private four Wheeler Insurance policy online using credit card, debit card or net banking.

The law in the country makes it compulsory for you to insure your car. The compulsory nature of the law protects you against third party liability. Also, your four- wheeler is probably one of the most expensive things you own. Car insurance protects this asset of yours and helps you in coping with the financial loss caused by accidents, damage or theft. Another reason is that while driving, you are responsible for the safety of:

Your passengers stranded

• Your fellow drivers
• Other people's property
• Pedestrians
• Yourself

Car insurance helps you to cover the costs of potential damages or injuries in case of an unforeseen accident or theft and third party insurance serves to protect you from the claims arising from third party.

There are three main types of car insurance policies that Bharti AXA offers and here is what each type of plan covers:

1)   Comprehensive Car Insurance

Comprehensive car insurance policy offered by Bharti AXA covers third party liability as well as own damage. Hence this type of car insurance policy offers a wider and better coverage. 

Specifically this type of policy cover includes:

-          Any damage caused to the insured’s car due to floods, earthquakes, cyclones and other natural disasters

-          Losses caused by man-made disasters such as fire, terrorism, riots, strike and theft

-          Any losses and damages caused by road accidents

-          Personal accident cover to the owner–driver in case of injury or death from a road accident

2)   Third Party Liability

Third party liability offered by Bharti AXA is the legally mandatory type of vehicle insurance which protects the insured from bearing expenses towards third party losses caused by the insured’s car.

Specifically this type of policy includes:

-          Compensation for bodily injury to third party

-          Compensation for property damage to third party

-          Compensation to nominee in case of death of third party

-          Personal accident cover for owner-driver

3)   Own Damage Car Insurance

Stand-alone own damage insurance cover will cover losses to your vehicle only. It can be bought independent of third party liability (TP) but note that you still need to have third party cover which is mandatory.

Comprehensive car insurance is recommended over third party car insurance as it offers a wider coverage with more benefits.

No there is no such limit.

To apply for liability only car insurance policy, please visit motor third party liability. Kindly share the required details of the vehicle including the first registration date and policy expiry date in the message box.

Refund is possible only when the four wheeler insurance company cancels the policy. The refund essentially depends upon the company and always released on a pro rata basis. You must check the short rate calculations before cancelling your policy.

As per section 64VB of Insurance Act, 1938 no risk can be commenced unless premium is received in advance. Hence, full car insurance premium needs to be collected before the start of policy period. 

Reach us at 1800-103-2292 (Toll free) and get assistance from customer service representative.

Car Insurance policies can be issued for a period of a year or multi year. You will have to renew the policy before the specified expiry date mentioned on the policy document. Policy for old cars is for a period of one year, whereas for a new car the owner has to mandatory buy 3 years compulsory TP with an option of 1 year OD or a 3 years OD. 

There are certain benefits of doing so: 

•     Insured will continue to enjoy no claim bonus.
•     Insured will not have to get inspection done at the time of renewal.

Most car insurance add-ons are quite affordable. The price of each add-on is dependent on several factors like vehicle age, vehicle type, location etc. You could key in you details into our “Quick Quote” section and receive a quote for a policy along with the add-ons you wish to opt for.

Car Insurance premium is the fixed amount of sum paid by the insured to the insurance company for availing benefits and covers provided by the car insurance policy during the policy period; and to complete the contract of insurance. For buying and renewing car insurance online you can pay with credit card or net banking.

Yes, it is possible to opt for a new/additional car insurance cover at the time of renewal.

Break-in-insurance is when the car insurance policy lapses due to non-renewal on time. Indian law makes it compulsory to have car insurance with third party insurance at all times. In case of break in your car insurance policy, you can get in touch with our customer support at 1800-103-2292 (Toll free) to renew policy if it has been less than 90 days so that you may be able to retain your No Claim Bonus. You have to get your car inspected before purchasing the policy.

If your policy has already expired, you have to obtain a fresh insurance. Due to the break in insurance the vehicle will be physically inspected by a company official or an authorized representative/agency. You can get the NCB transferred in case your car is insured within 90 days of your renewal due date.

It is strongly recommended that you opt for covers only at time of renewal of your car insurance policy and not during your policy period. You can’t opt for a motor add-on cover online in case you are not renewing your policy. For midway/midterm add-on procurement you could contact our customer care representative for guidance.

Yes, you can opt of car insurance covers online at time of renewal.

Yes. You can renew your expiring policy online from www.bharti-axagi.co.in providing minimum details. Also enjoy the benefit of transferring up to 50% of no claim bonus earned by you.

You should renew your car insurance before expiry of the existing car insurance policy. This keeps your vehicle insured against the risks without any break and retains the No Claim Bonus which is the discount in premium for claim free year/s.