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      Car Insurance in Hyderabad

      Hyderabad, the capital city of Telangana, has transformed into a mixed bag of diverse cultures coming up from different parts of the country. Due to the increased population in technology, education, and business, the city has witnessed an influx of vehicles. This vehicle increase is directly related to the need for car insurance as it protects car owners from any financial issues arising from accidental damages, theft or third-party liability.

      Read more

      Statistics About Hyderabad Traffic

      • The peak time of traffic in Hyderabad is between 6 pm to 7 pm
      • Hyderabad is ranked 17 in the Global Traffic Congestion Rankings
      • The number of cars in Hyderabad has increased to 1.54 lakh over the past 10 years
      • Around 287 people have passed away due to road accidents in Hyderabad.
      • Rs. 71.69 crore worth of traffic challans have been issued for car owners in Hyderabad.

      Why Should You Purchase Car Insurance in Hyderabad?

      The purchase of a four-wheeler in a city like Hyderabad is a necessity that can help you with your daily requirements. However, when purchasing four-wheeler insurance, it is essential to understand that it protects your car, especially in case of unexpected damage, theft, or third-party liability. Hence, the purchase of car insurance in Hyderabad can be justified with the help of the following reasons:

      • Required According to Law: According to the Indian Motor Vehicles Act, driving your car without vehicle insurance is illegal. Therefore, when purchasing a four-wheeler, you must buy car insurance. It will protect you from having to pay high fines when driving on the roads in Hyderabad.
      • Protects from Accidents: Purchasing a four-wheeler insurance in Hyderabad can help protect your car from any damage due to an accident. Car insurance ensures that you get compensation from the insurance provider for the vehicle's damage. Due to the increase in road fatalities in Hyderabad over time, it is better always to purchase car insurance that provides full coverage.
      • Coverage Under Natural or Manmade Damage: Irrespective of the source of damage, there is a chance that your car can suffer some damage caused by man-made or natural reasons. Therefore, if you are looking to protect your vehicle from harm arising from natural or man-made causes, the purchase of car insurance can be helpful. Along with comprehensive four-wheeler insurance, you can select add-ons like roadside assistance coverage that will help repair your vehicle in case of a breakdown while travelling in or around Hyderabad.
      • Easy Online Purchase: The purchase of car insurance in Hyderabad can be done in an easy and stress-free way. Depending on your requirements, you can explore, compare and buy car insurance from

      Types of Car Insurance Plans in Hyderabad

      The three significant types of car insurance plans provided in Hyderabad are as follows:

      1. Comprehensive Car Insurance

        When you decide to purchase a motor car in Hyderabad, it is recommended that you buy comprehensive vehicle insurance. In case of any damage caused to the insured vehicle, the comprehensive insurance plan covers it and any third-party liabilities. Under comprehensive car insurance, your vehicle is protected from unanticipated damages like natural calamities, theft, fire, etc.

      2. Third-Party Car Insurance

        When living in Hyderabad, you must at least purchase third-party car insurance. This motor insurance policy ensures that the insurance company compensates for any third-party liabilities like property damage, disability or death caused by the insured car.

      3. Standalone Own Damage Car Insurance

        Own-damage car insurance helps protect your vehicle from damage caused by collisions, theft, accidents, fires, etc.. However, it is essential to remember that standalone own car damage insurance does not cover any damage caused by a third party. It can also be purchased with third-party insurance to cover the car's damages.

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      Coverage Offered Under Car Insurance in Hyderabad

      The purchase of car insurance in Hyderabad provides the following coverage:


      Damages or risks that are included under the comprehensive motor insurance policy in Hyderabad are as follows:

      • Loss or damage to the car in case of an explosion or fire
      • Damage or loss arising due to strike, riot, or terrorist acts
      • Damages caused at the time of transit via air, road, rail or water
      • Losses caused by theft or burglary of the car
      • Any damage caused by natural calamities like floods, hurricanes, etc.


      Damages that are not included or applicable under four-wheeler plans in Hyderabad are the following:

      • Damages to the car when driving under the influence of drugs or alcohol
      • Damages arising out of personal vehicles being driven for commercial purposes
      • Damage caused when driving without a driver's licence
      • Mechanical or electrical breakdown of the car
      • Damage occurring when the vehicle is driven outside the geographical area
      • Regular wear and tear of the insured car
      • Any contract-based responsibilities of the owner/driver of the vehicle

      How Much Car Insurance Coverage Do You Need in Hyderabad?

      If you decide to purchase car insurance in Hyderabad, it is essential to ensure that you at least have third-party insurance. The purchase of third-party insurance for your four-wheeler is enough to follow Hyderabad's traffic rules legally.

      However, with increasing population and peak traffic hours, there is an increased risk of road accidents, leading to heavy repair expenses; therefore, purchasing a comprehensive car insurance plan is better. This car policy will cover third-party damages and damages to your car from road accidents or other unexpected incidents like theft, fire, etc.

      How to Buy Car Insurance Online in Hyderabad?

      You can purchase a car insurance in Hyderabad by following the steps mentioned below:

      • Visit the official website of Policybazaar Insurance Brokers Private Limited (
      • Select the “Car Insurance” tab from the homepage
      • On the form provided, mention the car number or choose the ‘Brand New Car' option
      • Then choose the RTO, variant, model, fuel type and other essential details
      • Enter all the details requested on the registration form
      • Select the required four-wheeler insurance plan along with the add-ons
      • Pay the mentioned premium amount as per the chosen payment mode
      • Once the payment is completed, the car insurance plan will be provided to you

      Traffic Do's and Don'ts in Hyderabad

      Here are a few critical do's and don'ts that you should follow in Hyderabad:

      • Do not overspeed and stick to the mentioned speed limit
      • Use turn signals or indicators at the time of changing lanes or taking a turn
      • Do not drive a car without a valid driving licence, insurance papers, RC and PUC
      • Ensure that the seat belt is worn at all times to protect yourself from mishaps
      • Using mobile phones can lead to distractions and mishaps on the road


      • Q1. Is it possible to purchase car insurance in Hyderabad?

        Ans: Yes. You can choose the most suitable car insurance for your four-wheeler, online or offline, per your requirements. If you purchase car insurance online, you can explore plans, compare them, and buy the most suitable car insurance plan from

      • Q2. What is the cost of car insurance in Hyderabad?

        Ans: The cost of car insurance in Hyderabad depends on the make, model, age, type of car, etc. The estimated cost of car insurance can be calculated with the help of a Car Insurance Premium Calculator on

      • Q3. Can I purchase add-ons with my car insurance in Hyderabad?

        Ans: Yes. Several add-on covers are available, along with comprehensive four-wheeler insurance. A few of the most required add-ons are NCB protect cover, roadside assistance cover, and zero-depreciation cover.

      • Q4. How can I claim my four-wheeler insurance in Hyderabad?

        Ans: In case of an accident, you first need to raise a claim request along with photos of the same. Ensuring that documentation and photographic evidence are provided correctly to support your claim is essential. After the claim is registered, the surveyor from the insurance provider will check for all the damages, and you will be required to submit documents for verification. After the inspection, the car will be sent to a network garage for repairs. The insurance provider will pay the network garage for the repairs in the cashless settlement. However, in case of reimbursement or non-network garage, you must pay the bills and then file for a reimbursement claim.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.