Car Insurance Pune

In India it is mandatory to insure your vehicle with at least a third-party liability cover. In cities like Pune, Mumbai, Delhi, etc. it is vital for a car owner to have a good car insurance policy as the number of accidents taking place in such cities are higher when compared to the other places in India.

Types of Car insurance Available in Pune

There are two kinds of car insurance plans being offered in Pune:

• Comprehensive Car insurance

A comprehensive car insurance policy is an insurance policy that offers both third-party insurance coverage and own damage cover. This plan protects the policyholder from third-party liabilities and own damage liabilities at the time of a mishap.

• Third-party Liability Cover A third-party liability cover, as the name suggest, protects the policyholder from third-party liabilities alone that one incurs at the time of a mishap.

Top Car Insurers in Pune

A number of car insurers in Pune offer good car insurance plans, a few among them are mentioned below:

• New India Assurance Company
• HDFC ERGO General Insurance
• ICICI Lombard General Insurance
• Reliance General Insurance

Car Insurance Policy Purchase and Renewal in Pune

You can avail a car insurance, either comprehensive or third-party, online or offline, depending on your convenience.

• Online Purchase/Renewal of Car Insurance Policy

You have the option toay, of purchasing or renewing the car insurance policy online via third-party insurance websites or official website of the insurer. You have the choice of paying online for the insurance policy via credit card, debit card or netbanking. Online purchase or renewal of the car insurance policy is hassle-free and requires minimal documentation.

• Offline Purchase/Renewal of Car Insurance Policy

You can purchase or renew car insurance policy by visiting any of the nearest branch offices of the insurer or meeting with an insurance agent and discussing the best options available for you based on your insurance needs.

Car Insurance Claim Process in Pune

When you file a claim, there are certain steps involved before you can get your claim settlement. Below mentioned are the steps involved in the claim process:

• Intimate the insurer as soon as any mishap takes place
• Register your claim request with the insurer
• File an FIR at the nearest police station and obtain a copy of the same
• An authorised surveyor will visit the spot of incident and conduct a vehicle inspection and determine the total loss/damage incurred
• Submit the relevant documents as requested by the surveyor and get the copies of the documents cross-verified against the originals
• If your documentation is in order, the surveyor will permit you to get your car repaired based on your insurance claim request
• In case of a cashless claim request, have your car repaired at the nearest cashless garage, for which the insurer will pay the garage for the repairs made
• In case of a reimbursement claim request, have your car repaired at the nearest garage and pay the garage yourself for the repairs. Later have the amount reimbursed by the insurer

Car Insurance Inclusions and Exclusions

Car insurance in Pune comes with certain inclusions and exclusions such as:

• Inclusions:
  • Damage/loss as a result of man-made calamities
  • Damage/loss as a result of natural calamities
  • Own damage liabilities
  • Damage/loss in case of theft
  • Third-party liabilities
• Exclusions:
  • Damage/loss if the driver was underage or didn’t have a valid license
  • Damage/loss if the driver was under the influence of alcohol or drugs
  • Damage/loss if a private vehicle was being used for commercial purpose and vice-versa
  • Damage/loss due to nuclear perils or wars
  • Damage/loss when the policy has expired

Car Insurance Add-ons Offered in Pune

Insurers in Pune offer certain add-ons with the comprehensive car insurance policy to increase the insurance coverage, a few of them are mentioned below:

• Return to Invoice Cover
• Zero Depreciation Cover
• Engine and Circuit Protect Cover
• Key Replacement Cover
• No Claim Bonus Protection Cover

Discounts Offered on Car Insurance Premiums in Pune

Insurers in Pune offer a n umber of discounts on the car insurance premium, a few of them are mentioned below:

• Discount if you have opted for a higher voluntary deductible
• No Claim Bonus Discount
• Discount if you have installed ARAI approved safety devices in your car
• Discount if you are a member of any automobile associations in India
• Professional Discount