Bharti AXA Car Insurance Premium Calculator

Bharti AXA Car insurance premium calculator is an online tool that lets you calculate the premium amount of your desired car insurance plan. You can use it on the official website of the Bharti AXA General insurance company limited.

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What is Bharti AXA  Car Insurance Premium Calculator?

Bharti AXA car Insurance premium calculator is a free online instrument that calculates the correct insurance premium amount for your car insurance policy. The premium amount is calculated as per the details of your car entered online by you for the preferred car insurance.

Bharti AXA car insurance premium calculator is extremely helpful as it helps you choose the most appropriate car insurance policy by comparing several plans in India.

How does the Bharti AXA Car Insurance Premium Calculator Work?

The online premium calculator uses different factors such as manufacturing year, make and model of the car, fuel type, capacity of the engine and the NCB status. The premium of your car insurance depends on the type of insurance plan you chose to purchase. If you chose to purchase only third-party car insurance then the premium of your car insurance will be lower than that of a comprehensive insurance plan.

With Bharti AXA car insurance policy, you can also customize your insurance plan by adding different types of riders such as Engine protection cover, Zero depreciation cover that can enhance your coverage however, you will have to pay an extra amount.

Bharti AXA car insurance premium calculator consider all these things before calculating the exact premium amount that you will have to pay to get the coverage the fits your requirements.

Bharti AXA car insurance premium calculator uses the below-mentioned formula to calculate the premium amount:

(Own Damage Premium – No Claim Bonus) + Liability Premium

How to use the Bharti AXA Car Insurance Premium Calculator?

  • Step 1: Go to the official website of Bharti AXA General Insurance Company Limited and go on the car insurance premium calculator
  • Step 2: Now fill in the required details like your name, address, contact number, email ID, etc.
  • Step 3:Select your car make and model, year of manufacturing, RTO location where your car got registered.
  • Step 4: Chose the car insurance plan of your choice
  • Step 5: Click on the “Calculate” button and it will show you the estimated amount based on your plan and your add-ons.

Benefits of Bharti AXA Car Insurance Premium Calculator

  • Calculates the Correct IDV: Bharti AXA car insurance premium calculator calculates the right insured declared value for your car. The IDV is the amount you get as compensation when you raise a claim in case of total damage or theft.
  • Help You Purchase a Cost-effective Plan: With the help of an online premium calculator, you get an idea of the amount that you will have to pay to get insured and this feature lets you make a wise and cost-effective choice.
  • Hassle-free Process: When you plan to purchase a car insurance plan then you will not have to rely on an agent’s knowledge of car insurance plan. You can easily go on to the Bharti AXA General Insurance Company Limited’s website, choose the plan that suits your requirements and use the Bharti AXA car insurance premium calculator to calculate the premium amount at the comfort of your home.

Factors Affecting Car Insurance Premium 

1. Year of manufacture of the vehicle: Since the value of your car depreciates with time so if you have an old car then the premium amount calculated would be cost-effective than a new car insurance premium amount.

2. City of registration of the vehicle: The city of registration of your car also decides the car insurance premium. If you live in Tier 2 or 3 cities, the premium amount would be lower than the premium amount of a car that got registered in an RTO located in Tier 1 cities.

3. Insured Declared Value: The Insured declared value is the current market value of the car and it is the amount that can be obtained on raising claims by the policyholder in case of theft or total loss of the car. This means the higher your Insured declared value, the higher your car insurance premium amount would be.

4. The engine of the car: The engine of your car plays a huge role as it decides the premium of your car because the better the engine the higher would be its maintenance cost and the higher would be its premium amount.

5. Brand, make, and model of the vehicle: The car’s make and model and the manufacturing year affect the premium amount of your insurance plan. If you own a luxury car then the premium would be higher and if you own a budget car then the premium amount would be lower.

6. Anti-theft device installed: If you have the anti-theft device installed that decreases the risk of the car being stolen then keeping this safety feature in account, the premium of your car insurance will be lower.

7. Add-on covers: When you purchase a plan and you are not satisfied with the specified coverage of that plan then you get an option to enhance the coverage by purchasing different add-ons that also increase the premium amount. Hence you have to pay more eventually.

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Note: This is your car’s recommended IDV as per IRDAI’s depreciation guidelines.asdfsad However, insurance companies allow you to modify this IDV within a certain range (this range varies from insurer to insurer). Higher the IDV, higher the premium you pay.

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