Pune Car Insurance

Car Insurance in Pune

Pune, the cultural capital of Maharashtra, is an ever-growing city making its place in the modern world. Despite its metropolitan city life, every citizen of Pune has to go through unpredictable weather giving rise to bad road conditions in the long run. As a result, your car has to suffer a lot every time you go out for a drive in Pune!

To avoid the unnecessary expenses of car damage and repair, ensure that you have the best insurance policy for your car. Buying the right third-party car insurance also helps you tackle unforeseen situations like car accidents and car thefts.

So, if you are looking for the best car insurance available in Pune, here is what you can do.

Best Car Insurance Rates in Pune

Here is a comprehensive overview of the best third-party insurance policies in Pune, with a brief mention of insurance prices, coverage, and claim settlement processes.

IFFCO Tokio Car Insurance

With IFFCO Tokio Car Insurance, you can get third-party coverage along with personal accident coverage. You can enjoy coverage of Rs 2 lakh and a reimbursement of up to Rs 1500 in case of your car is towed after any accidents. You can also get a discount of up to 50% on the completion of one claim-free year.

HDFC ERGO Car Insurance

This insurance policy offers personal accident coverage of up to Rs 15 lakh. It also provides a special add-on cover that calculates your premium depending on the usage of the car. In other words, HDFC ERGO offers you superior coverage while maintaining a standard rate of the policy premium.

TATA AIG Car Insurance

TATA is one of the significant brands in India when it comes to quality and trust. Check car insurance online with TATA AIG to save up to 75% on policy premiums. You can also opt for a quick car insurance renewal online in three easy steps. Also, get a discount of 50% on premiums on the completion of 5 claim-free years in a row.

Tips to Get a Car Insurance in Pune with a Low Rate

Car insurance policies help to protect your car from any unforeseen damages or accidents that might have harmed your financial health otherwise. But finding a good deal on car insurance price can be difficult.

Follow the tips given below to buy car insurance in Pune at the lowest rate.

Getting insurance quotes for comparison:

Before investing in any car insurance in Pune, always get quotations from multiple insurers who offer good coverage for your car. You can compare car insurance online by logging on to their websites or using the apps.

However, you must have a clear idea of the policy terminology before choosing any. Be meticulous while going through all the terms and conditions of each policy. To reduce the rate, also choose an insurer who offers a hassle-free mode of claim settlement.

Reduction of premium:

While buying car insurance in Pune, you can go for voluntary deductibles to reduce the premium rate. Opting for voluntary deductibles has always been effective for policyholders who wish to get the best coverage at the lowest rates.

By paying small amounts of the policy claim, you reduce the premium and save money in the long run.

Buying insurance online:

Always check car insurance online rather than using the traditional method before buying any policy. Since all offline insurance companies have significant costs of maintenance, it is unlikely that they can ever offer you good coverage at a reasonable rate of premium.

Hence, online car insurances go a long way when it comes to services and prices.

How to File a Car Insurance Claim

Filling out a car insurance claim is the most crucial part of the entire process. Instead of waiting for an emergency, you should carefully study this process so that you can file a claim in a hassle-free manner when the need arises. And before buying car insurance, you should do your research on the claims processes that different policies have.

• If you want to file a claim, you should first inform your insurance company by logging on to their website through their mobile app. You can also file your claim offline. In case of an accident, make sure that an FIR is lodged.

• After the claim has been filed, a company professional will assess the damage. After your car is repaired, make sure to collect all the bills and submit them to the insurance company. The company will verify the documents and reimburse you up to the sum insured in your policy.

• If you can take your car to a partner garage of the insurance company, then you will be eligible for the cashless repair of your car. In case of third-party damages, you need to submit a copy of the FIR along with the claim form to the insurance company.

What You Need to Apply for a Car Insurance in Pune

It is for good reason that having a car insurance policy is mandatory for all car owners now. An insurance policy is a very important safety net. Not only does it protect you against damages to your own car, it but also protects you from liabilities in case of third-party damages in an accident.

• Any car owner who has all the valid documents to prove ownership of the car is eligible to apply for car insurance across India. Submitting Know Your Customer (KYC) documents has been made mandatory by the Insurance Regulatory and Development Authority of India (IRDAI).

• This means that apart from your vehicle registration documents, you will also need to submit a copy of identity proof, such as a PAN or a Voter or an Aadhaar card.

• This system has been introduced by IRDAI for greater transparency so that all relevant customer information can be saved on a central database. It has also made the process of settling claims much easier now.

• It is also good practice to keep a copy of your vehicle registration and KYC documents in your car. You study in advance the process of filing claims and keep a copy of these documents ready.

Documents Required

The following documents are essential for third-party car insurance applications in Pune:

• Any one of the identity proofs like an Aadhar Card, PAN Card, or Voter Card

• Proof of your residence

• Driving licence number

• Recent passport-size photo in colour

• Car registration number

• Pollution check certificate

• Car registration certificate

• Debit or Credit card details for net banking