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.

Popular models

Other models

All Variants
Manual
Automatic

Popular variants

Other variants

We don’t spam

View Prices

By clicking on “View Prices”, you agree to receive assistance and agree to our Privacy Policy & Terms of Use

Claim Kavach

Anywhere cashless claims

24x7 roadside assistance

Free car services

Stats About Pune Traffic

As per TomTom's 2023 report, Pune stands in seventh position among the most congested cities in the world.
Pune witnessed a total of 871 accidents in 2022.
Out of these, 315 were fatal road accidents.
From January to August 2023, Pune Traffic Police collected Rs. 44 crore in fines for multiple traffic rule violations.

View plans

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:

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.
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.
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.

View plans

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.

Explore all plans

Coverages Under Car Insurance in Pune

What is Covered in Policy

Third party death, disability and property damages
Damages arising out of manmade acts like strikes, riots, etc
Natural calamities like earthquakes, cyclones, hurricanes, etc. causing damage to the insured car.
Theft of the insured four-wheeler is covered.
Losses arising out of fire, explosion and self-ignition are also covered.

What is Not Covered in Policy

Damages to the insured car due to drunk driving
Electrical or mechanical breakdown of the insured vehicle
Depreciation and regular wear and tear sustained by the insured vehicle are not covered.
Contractual Liabilities of the owner/driver of the insured car
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.

Explore Add-Ons for Your Car Insurance

Zero Depreciation Car Insurance

Compulsory Personal Accident Cover

Bumper to Bumper Insurance

NCB Protector Add-On Cover

Bundled Policy

Roadside Assistance Cover

Return to Invoice (RTI) in Car Insurance

Engine Protection Cover

Traffic Do's and Don'ts in Pune

Follow these traffic do’s and don’ts while driving a vehicle in Pune:

Always wear a seatbelt while driving in Pune.
Do not drink and drive, and don't use mobile phones while driving.
Drive under the specified speed limit. Overspeeding can result in heavy traffic fines in Pune.
Make sure to keep all the mandatory documents with you, such as car insurance policy, DL, RC and PUC certificate, while driving in Pune.

FAQs About Car Insurance in Pune

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

Explore More Under Car Insurance

Car Insurance Companies

Bajaj Car Insurance

Chola MS Car Insurance

Digit Car Insurance

Generali Central Car Insurance

HDFC Ergo Car Insurance

ICICI Lombard Car Insurance

IFFCO Tokio Car Insurance

IndusInd General Car Insurance

Liberty Car Insurance

Magma Car Insurance

View more insurers

Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in