Bharti AXA Third Party Car Insurance

According to the Motor Vehicles Act, carrying third-party car insurance is compulsory for everyone driving on the Indian roads.

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While it is completely optional to own a comprehensive car insurance plan, third-party car insurance is the most basic document required to be carried as accidents can occur any time on the road. 

Bharti AXA third-party car insurance helps you bear all such expenses that might arise from any unforeseen accidents causing an unplanned financial and legal burden for you.

Bharti AXA Third-Party Car Insurance vs. Comprehensive Car Insurance

Following are the differences between Bharti AXA third-party car insurance and comprehensive car insurance plan:

                    Features

Third-Party Car Insurance

Comprehensive Car Insurance

Policy Coverage

Covers the legal and financial liabilities of the third party involved

Covers the damage caused not just to the third party but also to the policyholder

Nature of requirement

Mandatory by the legislation of the Indian Motor Vehicles Act, 1988

It is not mandatory to have a  comprehensive insurance policy but is recommended for complete protection while driving on the roads

Add-on coverage

Add-on coverage is not offered by third party insurance

Comprehensive car insurance plans offer a variety of add-on covers to be availed to enhance coverage

Cost

Most basic insurance plan one can buy in India, hence the cheapest too

Higher than third-party insurance plans

What is covered under Bharti AXA Third Party Car Insurance Plan?

With Car insurance policy by Bharti AXA, you are covered from any unforeseen third-party liability that can arise out of death/injury or damage of the third party from your 4-wheeler. This policy helps you drive with peace of mind on the road as it safeguards you from any unplanned financial liabilities emerging from a road emergency.

Bharti AXA car insurance provides coverage for the following damages:

  • Coverage for death/bodily injuries incurred by a third party due to an accident or a mishap involving the policy holder's vehicle. (Coverage amount depends on the nature of the accident and the injury, though the final composition is decided by the court of law)
  • Up to Rs. 1 lakh cover for any damage caused to the third-party's property in the accident
  • Reimbursement for legal expenses incurred in the case of a court trial

What is not covered by Bharti AXA Third-Party Car Insurance Policy?

Bharti AXA car insurance plan does not provide any coverage under the following circumstances:

  • Damages incurred on the first party or owner's insured vehicle
  • Any bodily injury caused to the policyholder
  • Driving under the influence of drugs/alcohol
  • Driving without a valid driving license
  • Non-adherence to traffic rules and signals

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