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Nissan Micra

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Nissan Micra
Nissan Micra
Estimated Premium 9433* per year
* Premium may vary based on your Car's IDV, Year of Manufacture, NCB

Nissan Micra is one of the best-selling models sold by the manufacturer. It’s body style and mechanical specifications allow the manufacturer to target the right market segment. In terms of styling, this model commands a second glance. Its chiselled body is robust and sturdy and ensures great driving dynamics.

The Nissan Micra is equipped with convenient features which makes it a lot more interesting. Both the frontal and back design of the vehicle is compact and creates a strong impression.

When it comes to performance, the Nissan Micra delivers great mileage and offers smooth mobility. It is loaded with multiple features that enhance the end-user’s riding experience.

With sturdy tires, comfortable seat and a strong engine, the Nissan Micra provides a great driving experience. This Nissan Micra is available in a variety of vibrant colours to suit your preference. And it competes with a range of other two-wheeler models in the market.

With the comprehensive Bharti AXA two-wheeler insurance, your Nissan Micra stays completely protected against unexpected and unfortunate events.

Love at First Try with Bharti AXA Car Insurance

It’s all about finding a compatible partner to assist your car in every journey. And we’ve raised the bar in being your  Vehicle’s ideal insurance companion. Here’s how.

3.5 Million Policies issued
3600+ Cashless repairers of BAGI
24/7 Claim Assistance
101 Branches across India

Types of Car Insurance Plans

Motor insurance is mandatory as per the government for all cars driven on public roads. For a small annual premium, you get protection against financial losses that may arise in case your car is damaged in an accident. You can choose from two types of insurance plans offered by us.

Third-Party Liability Coverage

This type of insurance compensates only third-party injuries and their property damages. As per The Motor Vehicles Act of 1988, Third Party Liability Coverage is mandatory for all vehicles driven on public roads in India.

IRDAI (the Insurance Regulatory and Development Authority of India) revises the rates for Third Party Coverage each year. The revised third-party rates (As on 1st April, 2017 ) are as mentioned in the table.

Engine Capacity Premium Rate
Less than 1,000cc Rs. 1,850
Above 1,000cc but less than 1,500cc Rs. 2,863
More than 1,500cc Rs. 7,890

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

Comprehensive Car Insurance
This type of insurance covers losses/damages to you and your car in addition to protecting you against third-party liabilities. You should opt for this type of insurance if you want financial protection from losses caused due to accidents, theft and natural disasters. For all-round financial protection, the comprehensive plan is recommended. The own-damage (OD) premium would vary depending on the car’s make-model, age of the car, engine capacity, and geographical zones.

Note: Both the third-party liability and comprehensive plans also comprise of the personal accident cover for owner-driver. In this, for a premium of Rs.750, you receive a sum assured of Rs. 15 lakh in case of:

Type of Injury Compensation Level
Death 100%
Loss of two limbs or sight of two eyes or one limb and sight of one eye. 100%
Loss of one limb or sight of one eye 50%
Permanent total disablement from injuries other than named above. 100%

Shop Online The Easy way

We’ve made our online car insurance shopping process smoother than cheesecake. And you’re going to love it. Don’t believe us? Check out the steps.



Choose to renew or buy car insurance.



Enter vehicle details and personal details.



Select add-ons and discounts to get final premium.



Add complete details and check the summary. Make payment.



Policy is sent in PDF to your mailbox.

Note: Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Add-On Covers with Your Car Insurance Policy

You can enhance your motor insurancee cover with our wide-range of add-on covers to ensure maximum coverage and total protection.

Let’s have a look at the Motor Insurance Add-on covers that you can choose from.

Hydrostatic lock cover

Your car’s engine can get damaged during heavy rains or floods. This add-on provides coverage against repair or replacement of engine parts. This cover is applicable only if your vehicle is less than 5 years old.

No Claim Bonus (NCB) Protector

With a single claim, your accumulated No-Claim Bonus drops down to 0%. However, with the NCB Protector, even after making two claims in the policy period, you can still retain your No Claim Bonus discount.

Zero Depreciation cover

With this add-on, you don’t have to pay depreciation on expenses of repaired/replaced parts like plastic, fibre, rubber and glass parts.

Roadside Assistance

You won’t be stranded if your car ever breaks down in the middle of the road as you can get help with just one call at any time of the day or night. The services offered include changing flat tyres, repairs, emergency fuel refilling, towing facility.

Invoice Price Cover

You generally get the depreciated value of your car at the time of claim. But with this add-on, if you make a claim, you get the invoice value of the car along with registration fees, road tax, and insurance.

Co-Passenger Cover

In a standard policy, only the owner-driver gets a Rs. 2 lakh personal accident cover. However, with this add-on, fellow passengers are provided coverage of Rs. 1 lakh in case of death, permanent or total disability.

Key replacement

Coverage is provided for cost incurred to replace the vehicle lock and key if it’s stolen or lost. This is valid for up to 2 claims in a policy period.

Medical expenses

If you and the passengers are injured in case of an accident, then medical expenses up to Rs. 10,000 are given for treatment.

Hospital cash

For each day spent at the hospital, you get a lump sum amount of Rs. 1000 per day when hospitalized for up to 30 days.

Consumables cover

Coverage is provided for expenses on consumables such as oil, nuts, bolts that are considered unfit for further use.

Ambulance charges

This add-on covers charges towards transportation of the insured person in an ambulance to the hospital. 

Engine and gearbox cover

The add-on provides you financial protection if your car breaks down due to damage to the internal parts of the engine and gearbox.

Frequently Asked Questions (FAQs)

  • Car Insurance after GST

Goods and Services Tax, popularly known as GST, is a reform for our economy’s indirect tax plan. Car insurance premium includes 15 percent as the service tax. It will be increased to 18 percent after GST 

  • Is it possible to opt for an add-on without a policy?

No, it is not possible to opt for an add-on without a policy. Our add-ons are available only in addition to our motor insurance policy.

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