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The Need For Car Insurance

Many tend to lose their assets even today. Either they don’t take the uncertainty of life seriously or they refuse to pay the minimal cost for motor insurance.

A little preparation against unforeseen events can help you deal with the crisis. Physical, financial, and legal protection to the car and the people travelling in it – that’s what you get with car insurance!

Having a third-party insurance compensates damages to a third-party and their property. This is the mandatory motor insurance coverage in India. While comprehensive car insurance covers damages to third-party as well as your car.

Do you still want to take the risk of not having vehicle insurance?

If no, then you need to get your car insured right away!


Bharti AXA Car Insurance Benefits


Our car insurance plan serves as your perfect safety partner in every car journey you take. The best part is it can be customized with add-on covers as per your car needs. So you can be assured you’re having a wholesome car insurance plan that is suitable for your car.

4 brilliant features that make buying Bharti AXA car insurance super-easy online:

  • Instant policy:

Ready with the necessary details to be filled in? We’ll have your car insurance policy delivered to your mailbox at the snap of a finger.

  • No paperwork:

The world is going digital! Why should we let you stay behind? No more fussing over paperwork. Easily manage your policies with us online. 

  • Variety of Add-on covers:

You choose the brand, make, colour of the car. Then you can also choose the add-on covers that your car requires. Why leave that decision to someone else?

  • User-friendly interface:

Shopping your policy with us online is going to be a wonderful experience for you. We’ve made the car insurance purchase, renewal, and claim process effortless.

Inclusions Exclusions

1. Loss or damage due to

• Accident, burglary or theft
• Riot and strike 
• Fire explosion self-ignition or lightning
• Natural Calamities
• Transit by road, rail, inland waterways, air or lift.

2. Personal Accident cover for owner/driver of the car
Death benefit of Rs.2 lakhs for the owner/driver in case of accidental death.

3. Third party bodily injury liability covers penalty to be given to victim 
It covers the injury or death of the person hit by you.

4. Property damage liability
Covers penalty you need to pay in case of damage to the properties due to the accident caused by you up to the limits as specified in the policy.

1. Loss or damage to the car is not included under following conditions:

  • Normal wear and tear 
  • Depreciation of the car is not covered 
  • Electrical & mechanical failure
  • If you drive the car outside India
  • If you are driving under the influence of alcohol or drugs 
  • If the person driving doesn’t have valid driving license 
  • Nuclear risks​
  • ​If you use Vehicle for other purposes. Ex: If the private vehicle is used as Taxi.

car policy with add-ons

Add-on Covers

You would never buy an ill-fitting outfit and continue to wear it happily. Similarly, why should you buy an insurance plan that doesn’t fit your car’s needs? Different people have different requirements based on their usage of the vehicle. That’s why we have add-on covers that are designed to address your specific requirements individually.

With Bharti AXA car insurance, you can customize your four-wheeler plan by choosing add-on covers that you think will best suit you in future.


  • Zero Depreciation cover

Your car value is depreciated each year. At the time of claim settlement, your claim value is reduced due to depreciation on repair or replacement of plastic, rubber, and other glass materials that aren’t covered under regular insurance policy. Luckily, the zero dep add on does not factor in depreciation and hence you end up saving up a lot at the time of claim.

  • Hydrostatic lock cover

Your engine can get damaged during heavy rains or floods. This add-on provides coverage against repair or replacement of engine parts due to water. This would be applicable only if your vehicle is less than 5 years old.

Buy Car Insurance by Manufacturer

Want to buy car insurance for your car? Bharti AXA provides insurance for a wide range of cars across numerous manufacturers. Select the desired manufacturer and get all their details as well as details of the respective car model that you’re looking for. Learn everything about your manufacturer and how Bharti AXA car insurance is ideal for protecting your vehicle.

Frequently Asked Questions

Have questions on anything and everything related to car insurance? We’ve handpicked questions with answers that will help you understand the nitty-gritty of car insurance. You’ll also get better clarity of our products and services. Go through it to find the solution to your query. If you need more information, you can always contact us here. Our executives will be glad to assist you.

  1. What is the period for which car insurance policy is issued?

All car insurance policies are annual policies issued for a period of twelve months. You will have to renew the policy before the specified expiry date mentioned on the policy document. 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.


  1. What happens when car is sold?

If you sell your car to another person, the insurance can be transferred in the name of the buyer. The buyer (transferee) has to apply for transfer of insurance with us, within 14 days from the date of transfer of the vehicle in his name. If you want to substitute another private car of your in this policy, the policy will not be transferred to the buyer. The buyer (transferee) has to buy a fresh insurance.

Frequently Asked Questions


Right from blogs, engaging infographics and exciting videos, there is so much that you can learn and know about car insurance and an individual’s car buying journey. Be it tricks to save on car insurance premium or how to make the most of add-ons, we cover it all.

Make sure you stay tuned with our regular updates at our knowledge centre section.

Policy Renewal Reminder

Policy Renewal Reminder we understand that it is not way to remember your policy renewal date and that is why we have this unique facility called policy renewal reminder for us. Just fill in your details and we will remind you when your policy renewal date is near. Fields marked * are mandatory.

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