Car Insurance In Pune
Being the second-best city to live in India, Pune has attracted people from all walks of life. The city is well-known for its emerging IT sectors, pleasant weather and planned settlements. Due to all these factors, many people from across the country are moving to Pune, making it among the most congested cities in the world. This also has increased the chances of road accidents and thefts, thus making it necessary for people in Pune to invest in a car insurance policy.
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Why Should You Buy Car Insurance in Pune?
Being one of the most loved cities, the city of Pune also attracts huge traffic, which leads to more congested roads and increased chances of road accidents and collisions. Though you cannot avoid unprecedented accidents, you can definitely cover the repair expenses by purchasing a four-wheeler insurance policy. Here are some reasons you should invest in a comprehensive insurance policy in Pune:
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Compulsory Requirement
Owning a car insurance policy in Pune is not only essential but also mandatory as per the motor laws of the country. If caught without a valid insurance policy, you will have to pay heavy traffic fines of up to Rs. 4,000.
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Get Theft Coverage
Being the seventh most congested city, Pune also has a huge population, which increases the chances of theft-related incidents. Thus, you can invest in a comprehensive car insurance policy to cover your four-wheeler from such theft or burglary. This policy will compensate you in case your car suffers total loss from theft.
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Personal Accident Cover
With Pune witnessing a high number of road accidents and fatalities every year, it becomes imperative to own a Personal Accident Cover for your car. A PA cover compensates up to Rs. 15 lakh if the owner/driver of the car dies or suffers disability in an accident. You can purchase this cover with your vehicle insurance policy at a nominal premium.
Types of Car Insurance Policies in Pune
There are 3 major types of car insurance policies offered in Pune. These include:
Third-Party Car Insurance
Under third-party car insurance, the insured car is covered against the third-party liabilities that it may cause in an accident. These include third-party death, disability and property damage.
Standalone Own Damage Car Insurance
An own damage cover aims can be purchased additionally with third party insurance to cover the accidental damages sustained by the insured car. This policy covers damages and losses due to road accidents, theft, fire, manmade acts, etc.
Comprehensive Car Insurance
With a comprehensive car insurance policy, the insured car can get covered against various unanticipated incidents and third-party liabilities. This policy offers wider coverage against damages to the insured car due to accidents, manmade acts, natural calamities, losses due to theft, fire and third-party liabilities as well.
Coverages Under Car Insurance in Pune
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Third party death, disability and property damages
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Damages arising out of manmade acts like strikes, riots, etc
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Natural calamities like earthquakes, cyclones, hurricanes, etc. causing damage to the insured car.
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Theft of the insured four-wheeler is covered.
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Losses arising out of fire, explosion and self-ignition are also covered.
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Damages to the insured car due to drunk driving
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Electrical or mechanical breakdown of the insured vehicle
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Depreciation and regular wear and tear sustained by the insured vehicle are not covered.
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Contractual Liabilities of the owner/driver of the insured car
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Damages arising outside the geographical scope, as specified in the car policy
How to Buy Car Insurance Online in Pune?
You can follow these simple steps to purchase car insurance online in Pune:
- From the homepage of Policybazaar.com, click on the "Car Insurance" tab.
- Enter your car number or select the "Brand New Car" option.
- Now select your car's RTO, make, model, fuel type, variant and registration year.
- Fill in the registration form.
- Select the plan you need to purchase from the given car insurance plans.
- Select the add-ons you wish to include in your plan.
- Pay the premium amount via online payment modes.
- Once the payment is complete, your car insurance policy will be sent to your email address.
Traffic Do's and Don'ts in Pune
Follow these traffic do’s and don’ts while driving a vehicle in Pune:
FAQs About Car Insurance in Pune
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Q1. Can I enhance the coverage of my car insurance policy in Pune?
Ans: Yes, you can enhance your car policy coverage by purchasing additional covers offered with a comprehensive car insurance policy. Some useful add-ons include zero dep cover, NCB Protect cover, Roadside Assistance cover, Engine Protection cover, etc. -
Q2. Are there any discounts offered on car insurance purchases in Pune?
Ans: Yes, a policyholder can take advantage of the following discounts while purchasing insurance for his/her car in Pune. -
Q3. Are there any documents required to raise a claim under car insurance?
Ans: The following documents are required to raise a car insurance claim in Pune:
- Copy of car insurance policy documents
- Copy of vehicle's RC
- Copy of Police FIR
- Repair bills and estimates of repair
- Copy of valid driving license
- KYC
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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.
+Savings are based on the maximum discount on own damage premium as offered by our insurer partners.
^Lowest Price Guaranteed is based on certifications shared by insurers with us. Policybazaar will facilitate price matching subject to the terms and conditions of select insurers.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
