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Home / Motor Insurance / Car Insurance / Car Insurance in Pune

Car Insurance in Pune

Name: Car Insurance in Pune
Brand: HDFC ERGO
Rating: 4.4 (158678 reviews)

The transition of Pune from a tourist hotspot to an economic core has attracted thousands of people seeking employment. Over the years, the city’s population has grown, as has the number of vehicles on the road, making the city vulnerable to accidents. You risk incurring significant repair costs if you do not invest in car insurance in Pune as a vehicle owner.

Car insurance is a general insurance plan that provides financial protection to your vehicle in the event of any damage or loss of the automobile due to accidents or natural calamities.

Features of Car Insurance

Features	Description
Third Party Damages	The third party insurance coverage monetarily compensates for the injuries caused to third parties involved in the accident with the insured car. It also covers their property damage.
Own Damage Cover	The policy covers the vehicle's damage due to theft, fire, and collision.
No Claim Bonus	You can lower your insurance premium by 50% by driving properly and avoiding claim submissions.
Pocket-friendly premiums	The HDFC ERGO car insurance price in Pune starts at Rs 2,094.
Cashless garages	HDFC ERGO has over 6,700+ network garages offering free repairs and replacement services.
Riders	If you purchase car insurance in Pune from HDFC ERGO, you get to choose from 8+ riders.

Types of Car Insurance Policies in Pune

Comprehensive Car Insurance
Third-party liability coverage
Standalone Own Damage Cover
Coverage for brand new car

Comprehensive Insurance

The comprehensive insurance includes coverage for a car’s self-damage and financial liability arising out of injury caused to third parties or damage to their property. You can increase the coverage by opting for roadside assistance, engine protection, NCB riders, and more.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third party liability

Choice of add-ons

Theft

EXPLORE MORE

Benefits of Car Insurance

Benefit	Description
Comprehensive coverage	Car insurance in Pune covers a broad range of occurrences that can cause damage to your insured vehicle.
Legal charges	If you are involved in a lawsuit as a result of a car crash, the policy will cover your legal bills.
Adherence to law	It saves you from a penalty, as third-party liability coverage is required by law.
Flexible	You can broaden the extent of coverage by purchasing an appropriate rider.

The car insurance in Pune covers the following scenarios:

Natural Calamities

The policy covers damage caused by natural disasters such as tsunamis, floods, earthquakes, and cyclones.

Manmade Disasters

You will get reimbursement for bills if your car is damaged because of vandalism or riots.

Theft

The policy covers the theft of your entire car, not just a few parts.

Collision

The policy pays for damage caused by the collision of your car regardless of who is at fault.

Fire

If your vehicle catches fire, the policy covers the damage.

Legal Consequences

The policy will cover the legal fees if you are sued in an accident involving your vehicle.

Some common exclusions of car insurance in Pune are:

Wear & Tear

The repair bill for the normal wear and tear

Without Driving Licence

During the crash, if the driver did not have a valid licence

Electrical & Mechanical Failure

The policy excludes coverage for consequential losses, depreciation, and electrical or mechanical failure.

Damage Outside India

Any damage your vehicle sustained outside of the geographical borders specified in the policy contract.

Damage Due to War

Mutiny or nuclear perils inflicted damage

Driving With Alcohol Intake

The accident caused by the insured car driver while being under the influence of alcohol.

HDFC ERGO Car Insurance Add-ons

Add-ons are optional coverages that you may purchase by paying a premium over the cost of your base plan to expand your coverage scope. A few of these are:

Zero Depreciation Cover

When you file a claim, you will be compensated for the bills after deducting the depreciation amount. However, with this rider, you receive the full invoice value.

Emergency Assistance Cover

If your car breaks down on the highway due to a flat tyre, an empty tank, etc., the policy will help by providing immediate mechanical or towing services.

Cost of Consumables

This rider pays for replacing brake fluid, lubricants, and engine oil, all of which are necessary for your car to perform properly.

NCB Cover

Generally, the insurer permits you to file a single claim every year. The NCB rider allows you to file three claims while keeping intact the policy's continuity benefits.

Engine and gearbox protector cover in car insurance

Engine and Gear Box Protection

This policy will be helpful if your insured vehicle's gearbox or engine fails due to lubricating oil leakage or water ingress.

Pay as Your Drive Cover

With pay as you drive add-on cover, you can avail discount on the premium of own damage insurance at the end of the policy period. If you drive less than 10,000km, you can claim benefits up to 25% of the basic own damage premium at the end of the policy tenure.

Car Insurance claim process is a cakewalk with us on your side. All set to buy car insurance plan?

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Why Should You Buy Car Insurance Policy in Pune?

You must invest in four-wheeler insurance in Pune for the following reasons.

Mandatory by law

According to the Motor Vehicle Act, you must have at least third-party liability insurance to drive in Pune without getting a fine.

Third-party injury

If your car unintentionally hits someone, resulting in medical bills, you are not required to pay anything out of pocket.

Covers legal cost

If you face a lawsuit as a result of a vehicle accident, this coverage will cover your legal charges.

Financial support

If the passenger or driver of your insured vehicle dies in a car accident, the personal accident coverage in your insurance policy will pay a lump sum payment to the deceased's family members.

How to Buy/Renew Car Insurance in Pune?

Purchasing or renewing the best car insurance in Pune takes only a few minutes. Here is how.

• Visit our website and enter your car’s registration number to get a car insurance quote in Pune.

• Complete the proposal form by sharing your personal and vehicle details.

• For renewal, share your policy number and choose riders if you feel they are necessary.

• Pay the premium using UPI, credit or debit card, or net banking.

• You will receive a payment confirmation and your policy document on your email ID.

How to File a Car Insurance Claim?

Simply follow the below four steps for a hassle-free claim experience.

Step 1: Make a claim

Notify our claim department by toll-free or WhatsApp number to have your claim registered.

Step 2: Vehicle inspection

We will send a surveyor to the incident site to assess the damage and its kind.

Step 3: Repair and replacement

Once our claim department has reviewed and approved the surveyor's report, you can have your vehicle fixed for free at one of our cashless garage services.

Step 4: Settlement

We transfer the cost of repair directly to the garage account for cashless claims and to your account for reimbursement claims.

Need for Car Insurance in Pune

There are numerous reasons to purchase car insurance in Pune. Some are discussed below.

Cashless repairs

At network garages, you can get your vehicle repaired without paying anything from your wallet.

Natural calamities

When a natural disaster strikes, it is impossible to save your car. This is where insurance comes in, taking care of the repair invoices or compensating for the loss.

Additional services

Incidents such as lost vehicle keys, flat tyres, battery jumpstarting, and fuel refilling can make your drive stressful, but insurance provides rapid roadside help.

Legal protection

You can avoid costly legal fees resulting from accidents involving your car.

Peace of mind

Car insurance provides extensive coverage that covers practically every disastrous situation that could damage your vehicle. They also supplement health and life insurance by providing coverage for bodily injuries and a lump sum payment in the event of an insured car driver's death.

Cashless Garages in Pune

Garage Name	Address	Contact Number
AASK Automobiles	Dinshaws, 101, Wing A, Shubhamkaroti Society, Pune, Maharashtra, PIN - 413102	8007749988
Aditya Services Center	A/P Pimple Jagtap Chowfula, Pune, Maharashtra, PIN - 412208	9763616208
Atharva Motors	Madanwadi Indapur, Pune Maharashtra, PIN - 413130	9823357474
Auto Scope Cars Pvt Ltd	SR.NO-3/4/1 Near Swami Samarth Mandir Shivaji Chowk Rahatani, Pune, Maharashtra, PIN - 411017	9607609050
Auto Max Car Care Solution	BRT Road, Gat No.4/9, Near Blue Water Hotel, Pune, Maharashtra, PIN - 411033	8888779196
Auto Drive	Near Gram Panchayat Office Milkat No. 111, Gharkul, Pune-Nagar, Pune, Maharashtra, PIN - 412216	9310493939
Dengale Automobiles	Sr. No. 132/3/D Kasba Nira Road Baramati, Pune, Maharashtra, PIN - 413102	9518308404

One of the best ways to fix chipped paint on your car is
with nail polish.

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6700+

cashless Garagesˇ Across India

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Car Insurance Reviews & Ratings

4.4 Stars

Our customers have rated us

View all 1,58,678 Reviews

PRATYUSH KUMAR

PRIVATE CAR PACKAGE
POLICY BUNDLED

18 Nov 2023

KARNATAKA

I got a quick response from the HDFC ERGO Team for roadside safety assistance for a flat tyre. I appreciate everyone's help with the quick turnaround on this.

CHANDRASEKAR RAVI PRASAD

PRIVATE CAR PACKAGE
POLICY BUNDLED

1 Nov 2023

TAMIL NADU

Your customer executive was extraordinary – and knowledgeable. I appreciate the patience and polite nature of your customer care executive. I have retired recently after working 50 years in marketing, including 20 years as CEO of a Swiss company in Dubai. I can say that I have the best customer service experience with HDFC ERGO. God Bless HDFC ERGO!

ISHA KOTHARI

PRIVATE CAR
COMPREHENSIVE POLICY

12 Oct 2023

MAHARASHTRA

The response time to the query was rapid. Your team resolves issues promptly, saving lots of time usually spent on follow-ups. You guys are excellent at customer service.

DIPSHIKHA BISWAS

PRIVATE CAR
COMPREHENSIVE POLICY

20 Sept 2023

MAHARASHTRA

The executive who assisted me was extremely helpful and knowledgeable and handled all my enquiries smoothly and professionally. I wish him all the best in his career and thank the HDFC ERGO Team for addressing and resolving the issue.

SANTOSH KUMAR RABHA

PRIVATE CAR
COMPREHENSIVE POLICY

24 Aug 2023

ASSAM

I'm very happy with the features and benefits of the HDFC EGRO car insurance policy.

SUDHAKAR SUDHAKAR M

PRIVATE CAR
COMPREHENSIVE POLICY

13 Aug 2023

KARNATAKA

I will recommend HDFC ERGO Insurance to my friends and relatives. Buying a new car insurance policy after shifting from another insurance company was a pleasant experience. I hope your after-sales service will turn out to be equally good in the coming year of policy continuity.

Akash Sharma

Private Car Insurance Policy

7th June 2023

Haryana

Your team has done an excellent job in settling my claim on time. I really appreciate your claim team's effort.

Rumit Patel

Third Party Insurance Policy

23 April 2023

Ahmedabad

Buying the car insurance policy from HDFC ERGO was the best experience I had till now for getting an insurance policy for my vehicle. I am very impressed by the customer care service team of HDFC ERGO. Your customer care executives are very cooperative and give a clear understanding of the policy. Apart from that, they guide you from start to end. Therefore, I am happy to choose HDFC ERGO to buy my vehicle's car insurance policy.

Gautam

Private Car Insurance Policy

27 March 2023

Bengaluru

The way your customer care executive managed the call was quite impressive. Keep up the good work!

Nisshant Bansal

Private Car Insurance Policy

25 March 2023

GAUTAM BUDDHA NAGAR, Delhi

Interacting with your customer care executive was an excellent experience. They solved my issues in one single call. If I need any other insurance, I will return to HDFC ERGO.

ARNAB NAG

Private Car Insurance Policy

2 Feb 2023

WEST BENGAL

HDFC ERGO team is good in communication and also quick in taking action.

C B GANGADHARA

Private Car Insurance Policy

6 Feb 2023

KARNATAKA

I want to thank the HDFC ERGO customer care team, who are very cooperative in solving the query. I am very interested in renewing the car insurance policy in future also with HDFC ERGO. Once again, thanks for your valuable support.

GAUTAM HUKKU

Private Car Insurance Policy

13 Sep 2022

Tamil Nadu

It was a great experience. I could have got cheated by the local service provider but your confirmation of the exact amount credited to the service center helped me debate and get the full credit of the amount approved. I paid the balance and got my car picked up. A big thank you for transparency and promptness

Prateek Benjamin

Private Car Insurance Policy

18 May 2022

Delhi

I am much impressed by your call centre executives' excellent talk and gracious behaviour. The way they attended my call, guided me on the phone and helped me get my vehicle insured deserves appreciation and gratitude.

Vipin rai

Private Car Insurance Policy

16 May 2022

Gurgaon

Your team has cleared my doubts and helped to select the best package for my vehicle. Remarkable job by your call centre team. Keep up the excellent work.

Rajani Bala Karri

Private Car Insurance Policy

30 April 2022

Hyderabad

HDFC ERGO customer care team gave me reasonable assistance in getting this policy done. Your team has made lots of effort to explain the details of the add-ons, which helped to get them added to the policy. Appreciate the support in ensuring that the variant is added to the portal.

Arjun Bachani

Private Car Insurance Policy

23 April 2022

Indore

Your call centre executives have patience and speak on various factors and parameters, especially regarding the IDV concept. I appreciate your team not trying to sell the policy but focusing more on explaining well and making the customer understand the policy and process.