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Bharti AXA Third Party Car Insurance

Network Garages | 5,200+ |
Claim Settlement Ratio | 87.99% |
Emergency Assistance | Available 24/7 |
Policies Issued | 2 crore+ |
Accreditation | Dual ISO Certification |
Presence | 135+ branches |
Bharti AXA Car Insurance Third Party
Third-party insurance is compulsory for all vehicle owners in India as per the Motor Vehicles Act. It is a statutory policy, which covers the policyholder against the legal liability for injury/death of third party and damage to the third party property. However, it does not cover the injury/death of policyholders and damage incurred to vehicle. As per Section 145(g), ‘third party’ includes everyone from a person in any other vehicle to the one walking on the streets. Apart from general compensation, Bharti AXA third-party insurance plan also covers expenses incurred while availing lawyer’s aid. The claim amount depends on the damages caused to third-party, which can be 100% in case of death or total disability of the person.
To be more specific, policyholder is the first party, insurance company is second party and the injured person is third party. In case of claim settlement, generally, money is directly paid to the third party without involving policyholder.
Bharti AXA Third Party Car Insurance vs Comprehensive Car Insurance
Basis | Third Party Car Insurance Plan | Comprehensive Car Insurance Plan |
Coverage | It covers the financial and legal liabilities arising towards a third party only. | It provides coverage for the damage caused to not only the third party but also to the insured’s car. |
Nature of Requirement | As per Indian Motor Tariff, it is mandatory for every car owner to have at least a third party insurance. | A comprehensive insurance policy is optional and not mandatory. Purchasing or not purchasing it depends on the owner’s preference. |
Add-ons Availability | A third party car insurance does not offer any add-ons. | You can avail a variety of add-on covers along with a comprehensive insurance policy. |
Cost | The premium for a third party insurance is relatively low. | The premium for comprehensive car insurance is relatively high due to extensive coverage. |
What All Is Covered Under Bharti AXA Third Party Car Insurance Plan?
Bharti AXA Third Party car insurance plan covers the following liabilities towards a the third party:
- The plan provides coverage for death/bodily injuries incurred by a third party due to any mishap involving the insured’s car. The amount of compensation in such cases is decided by a court of law.
- The plan also provides coverage for property damage incurred by a third party to an extent of Rs. 1 lakh.
What All Is Not Covered Under Bharti AXA Third Party Car Insurance Plan?
The third party insurance policy offers coverage for limited situations only. Below are a few points which are not covered under the third party car insurance plan:
- No optional personal accident cover is available
- No cover is given for damages incurred by the insured’s car
- No compensation provided for injuries suffered by policyholders.
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Bharti AXA Third Party Car Insurance Claim Process
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Bharti AXA Third Party Car Insurance FAQs
Is it compulsory to purchase a third party liability insurance policy?
Yes, it is compulsory to insure your vehicle against third party liabilities, as per the Motor Vehicles Act.
What if my insurance policy expires?
Ideally, we would suggest you to renew your car Insurance policy before expiry so that there is continuity in your coverage. However, in case your policy has expired, don’t worry. Just visit www.insurancedekho.com and you can purchase a new policy within 5 minutes.
What if I lost my car policy documents?
In case you lost your Bharti AXA car insurance policy documents you can request a duplicate copy of the same. You can either visit their office and get a duplicate insurance policy or you can ask them to email you the same and take a printout of your policy.
How can I renew my car policy?
You can easily renew your car policy from company’s website or can contact the customer support team. Alternatively, you can also pay a visit to the nearest branch of the company, where you will be guided throughout.
What should I do after an accident?
You should immediately inform the company and file an FIR at the nearest police station. Informing company will initiate claim settlement process. Final claim amount will be paid to third party.


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