Car Insurance in Pune

• Prominent highways, such as the Mumbai-Pune Expressway, have slow-moving traffic, creating high risks of bumper-to-bumper collisions.
• Many motorists have reported potholes, bumps and uneven road conditions on major highways, such as the NH48, NH50 and NH166.
• Despite recent efforts by the PMC, many footpaths and cycling spaces in Pune are illegally encroached upon, creating risks of accidents for pedestrians.
• Many vehicle owners reportedly park their vehicles haphazardly on the freeways. This makes it difficult for law-abiding motorists to navigate the streets.

Pune’s expanding population, high vehicle density, and unpredictable weather make car insurance in Pune a necessity. The area's daily traffic congestion creates a higher risk of collisions. A car insurance policy lets you drive stress-free, knowing that you have full protection against accidents, theft, floods and other hazards. It’s also a legal requirement that keeps you out of trouble with Pune’s traffic authorities.

Trustworthy Insurer Under the TATA Group

Being a proud member of the TATA Group, we uphold ourselves to exceptional standards of trust and integrity expected of us. Our efficient claims management system lets us process every claim and provide an easy-to-use, seamless platform. With over 25 years of experience serving 5 crore+ customers since inception, we are one of the most reliable insurers in Pune.

High Claim Settlement Record

A high claim settlement ratio means that the insurance company honours most of its policyholders’ claims. At TATA AIG, we ensure to process and fulfil every valid claim and uphold our commitment to car owners in Pune. We also have a high claim processing speed as we quickly respond to claims, helping our customers get their rides back on the road.

Round-the-Clock Roadside Assistance

TATA AIG’s Roadside Assistance facility is crucial for situations where your car is stranded on the highways in Pune. Whether you have a car breakdown or have no fuel, you can get quick help at any time of the day to your location. We provide on-the-spot repairs, flat tyre replacement, battery jumpstart and more with this service.

Nearby Cashless Garage Anywhere in Pune

At TATA AIG, we offer access to a network of more than 5700 cashless garages, some of which are located in and around Pune. So no matter where you need the service, you can get to one of our authorised service centres or multi-brand repair shops.

At TATA AIG, we offer different types of car insurance policies catering to the different needs of car owners in Pune. Find which one is the best car insurance policy in Pune for you:

Third-Party Car Insurance

Third-party insurance for a four-wheeler is a legal compulsion for every car to have in the country under the Motor Vehicles Act, 1988. It ensures you are financially protected in case you unintentionally damage a third party or their property. Third-party plans are best when you are tight on budget but need basic insurance coverage for the time being.

View Third-Party Car Insurance Plans

Own Damage Car Insurance

Standalone own car damage car insurance Pune protects the insured vehicle from any loss or damage due to accidents or other casualties. Unlike third-party insurance plans, which protect the owner from liabilities, own damage plans protect the vehicle against a variety of risks, such as theft, accidental damage, fire, natural disasters, etc. It’s the perfect complimentary cover if you already have third-party insurance coverage.

View Own-Damage Car Insurance Plans

Comprehensive Car Insurance

TATA AIG offers a comprehensive car insurance plan which covers third-party liabilities as well as own damage coverage. It offers extensive coverage and a range of add-ons, enabling car owners in Pune to gain complete protection against many risks and liabilities. With it, you can benefit from high customisation flexibility and receive personal accident cover for the injuries you suffered by the driver or owner in an accident.

View Comprehensive Car Insurance Plans

Inclusions of Car Insurance Pune

• Accidental Damage: Covers repair costs and part replacements
• Theft: Covers theft and loss of vehicle and damage from housebreaking
• Fire: Damage from fire, explosion, self-ignition and lightning
• Natural Disasters: Damage from floods, earthquakes, landslides and typhoons
• Manmade Disasters: Damage from riots, strikes and acts of terrorism
• Third-Party Damage: Third-party property damage and personal injury liabilities
• Transit-related Damage: Any damage caused during transit via road, rail or air
• Personal Accident: Personal accident cover for the owner-driver

Exclusions of Car Insurance Pune

• Driving under the influence or without a valid licence
• Damage from war, invasion, or war-like situation
• General wear and tear, mechanical breakdowns
• Commercial use of a private vehicle
• The car is outside the policy’s geographical limits
• Racing or illegal usage

Disclaimer: The inclusions and exclusions listed here are subject to the terms and conditions. Read the Policy Wording document carefully to know the full list of inclusions and exclusions and their limits.

1. Roadside Assistance: This add-on provides on-the-spot help for breakdowns, towing, flat tyres, or fuel shortages - ideal for navigating Pune’s traffic or remote roads.

2. Zero Depreciation Cover: The Zero Depreciation car insurance add-on ensures full reimbursement for replaced parts, without factoring in depreciation - perfect for newer cars or those with high repair bills.

3. Consumables Cover: The Consumables add-on handles expenses like engine oil, bolts, and brake fluid - expenses not generally covered by standard policies.

4. Misfuelling Cover: It covers the costs of draining, cleaning and repairing the fuel system if you have accidentally filled in the wrong fuel type.

5. No Claim Bonus Protection: The NCB Protection cover stops your entire accumulated No Claim Bonus from being spent for one single claim in the policy term.

6. Repair of Glass, Fibre, Rubber and Plastic Parts: This add-on covers the cost of certain parts made with these components alongside a major claim.

7. Tyre Secure: The Tyre Secure cover excludes minor damage but covers repairs and replacements for the loss or major damage to your car tyres.

8. Vehicle Loan Protector: This add-on covers the car owner’s death or permanent disability. It covers the full outstanding car loan, ensuring security for the beneficiaries

9. Depreciation Allowance for Battery: The battery depreciation allowance covers the entire cost of your vehicle’s batteries if they’re damaged during an accident.

10. Return to Invoice: It’s useful for new and expensive cars. The Return to Invoice covers the full invoice value, including road taxes, registration fees and insurance premiums.

11. Additional Third-Party Coverage: This add-on provides extra compensation for third-party property damage, injuries and death over the standard limit.

12. Emergency Transport and Hotel Expenses: It pays for an overnight hotel stay and taxi charges to get you to your residence or destination following a car accident in Pune.

13. Engine Secure: It’s applicable for water ingress and oil leakage in the engine. The Engine Secure covers repair and replacement costs for the engine and gearbox.

14. Electric Surge Secure: This add-on covers electrical issues, such as arcing, short-circuiting and self-heating in the battery and charging equipment.

15. Key Replacement Cover: With the Key Replacement add-on, you get coverage for stolen, lost or damaged car keys, locks and repair charges.

16. Loss of Personal Belongings: This add-on covers the cost of losing clothing and other personal items damaged or stolen, subject to a deductible of ₹250 per claim.

17. Emergency Medical Expenses: It covers emergency medical expenses of the driver and passengers after an accident in the insured vehicle.

18. Additional Towing Charges Cover: The Additional Towing Charges cover pays the full cost of towing your car to the nearest authorised garage following a breakdown.

19. Reinstate Cover: This car insurance add-on covers the cost of repairing any one external panel in your vehicle when your car is being repaired under a larger claim

20. Daily Allowance Plus: The Daily Allowance Plus Cover either pays cash or provides an alternative transportation means for up to 15 days while your vehicle is under repair.

Quick and Easy Buying Process

Our user-friendly platform makes it easy to buy car insurance online in a few minutes from the comfort of your home. It takes just three simple steps, and you get your policy document delivered directly to your email address.

Cost Effective Plans

At TATA AIG, we offer competitive car insurance prices in Pune across all our plans, ensuring that there are no hidden or extra charges. Moreover, we offer discounts of up to 85% on online purchases available for both new and old vehicles.

Attractive No Claim Bonus

For every claim-free year, you get a No-Claims Bonus that reduces your premium, and the bonus continues to increase every year. We offer a No Claim Bonus starting at 20% for the first claim-free year that goes up to 50% in five consecutive claim-free years.

Assistance with Claims Processing

Our simple and effective claims processing system makes this the best car insurance in Pune. If you are stuck anywhere in the process, get instant customer support via our helpline (022 6489 8282) or email
(customersupport@tataaig.com). We have a dedicated team of 750+ claim experts and 24x7 customer support to
help you at any time.

High-Value Personal Accident Cover

Our Personal Accident Cover is included with both third-party and comprehensive plans and provides coverage against death and major disabilities. We offer 100% personal accident coverage up to ₹15 lakhs for death, permanent total disability and major injuries involving the loss of two limbs or eyes.

1. Visit Our Car Insurance Section: First, you need to go to the TATA AIG page. Then, navigate to the car insurance section from the ‘Personal’ menu at the top.

2. Enter Registration Details: Enter your car registration number accurately and then click on “Get Price.”

3. Enter Policy Details: Enter some personal and vehicle-related details when prompted. Next, select the policy type and combine any add-ons if required.

4. Check Your Quote: Review the final car insurance quote Pune and check the terms and conditions before making the final payment if you find the terms acceptable.

5. Download Your Policy Document: Once you get confirmation for your new car insurance policy purchase, download the policy document for future reference.

Buy Car Insurance Pune

In a highly populated city, having car insurance is necessary in Pune. When your car insurance policy expires, your vehicle is no longer protected from the risk of collisions, theft, floods, fire and other major risks. In addition, you are not allowed to drive in Pune with an expired insurance certificate, resulting in the risk of penalties.

• A timely renewal helps you avoid fines, legal complications and vehicle seizure when caught by traffic authorities.
• Having continuous insurance coverage keeps you financially safe from loss, damage and third-party liabilities.
• At TATA AIG, you can easily customise your plan when renewing it with add-ons and different coverage options.
• With renewals, you can get a No Claims Bonus and online discounts that lower your car insurance premium in Pune.
• A policy lapse due to not renewing your insurance plan on time can lead to higher insurance premiums.

1. Visit Our Renewal Section: Go to our website and click on the car insurance option from the Renewal menu at the top.
2. Enter Renewal Details: Enter your car’s registration number or old policy number and click on ‘Renew’.
3. Check the Renewal Price: Check the updated car insurance price for renewal, including your car’s Insured Declared Value and NCB, before continuing.
4. Add/Modify Coverage: Choose add-ons, if any and coverage options as per your needs. Some add-ons may not be available for your plan.
5. Complete the Payment: After reviewing your choices, complete the payment via your chosen payment method. Then, download the policy document.

• Duly filled claim form
• Car Registration Certificate (RC) and driving licence
• Insurance Policy documents
• First Information Report (FIR) in case of an accident
• No Trace Report from the police if your vehicle is stolen
• Legal Notice of the concerned party in case of third-party liabilities
• Personal details - address and identification proof
• Hospital bills in case of a personal accident claim
• Self-inspection photos and videos of damage (for cashless claims)
• Repair bills from the garage (in case of reimbursement claims)
• RTO cancellation documents and original car keys (for total loss)
• Any other document as required for claim settlement

1. Inform Us First: Inform TATA AIG within 48-72 hours of the accident. File the online claims form to initiate the claim process.

2. Fill the Claim Details: Enter the required details, including your name, contact number, policy number, registration details, etc., and upload the relevant documents.

3. Complete the Survey and Inspection: First, upload photos and videos of your damaged vehicle for self-inspection. Then, wait for the professional surveyor to complete the on-site inspection of your vehicle.

4. Choose a Network Garage: Choose an authorised cashless garage from our network near your location in Pune. Take your car there on the assigned date.

5. Settle Your Outstanding Bill: We will cover all repair costs directly with our network garage. However, you may have to pay for items not covered under the policy terms.

The premium rates of a car insurance policy in Pune are determined mostly by the insurance type. Third-party car insurance has predefined rates set by the IRDAI (Insurance Regulatory and Development Authority of India), while the rates for other plans are determined by the insurance company. You can use a car insurance premium calculator to get an estimate of the premium rates of an insurer.

Car insurance prices in Pune are affected by the vehicle’s Insured Declared Value, make and model, age and condition, and coverage options, among others. Cars with higher values generally have higher premiums and vice versa. In addition, getting better and higher-value insurance coverage also increases the premium amount.

• Make and Model: Your vehicle’s make and model affect the premium as it determines the repair and resale value. Budget and mid-range cars and popular models carry lower car insurance prices.
• Age of Car: As cars depreciate in value at a faster pace with increasing age, their insurance premiums also decrease rapidly with time.
• Vehicle Modifications: Any kind of vehicle modification, including paints, stereo systems, performance modifications, etc., increases the car’s price and the insurer’s risks.
• Insured Declared Value (IDV): This is the maximum amount your insurer is willing to pay for the total loss of your car. Higher IDVs mean higher premiums, as the insurer is liable to pay more.
• Insurance Coverage: The premium amount increases as you opt for a higher sum insured amount and different coverage options.

Calculate Your Car Insurance Premium Instantly

• Choose More Affordable Cars: Avoid choosing luxury cars or sports cars when buying a new car to get lower rates.
• Get a Higher Deductible: Opt for higher voluntary deductibles to lower the premium amount by lowering the insurer’s risks.
• Compare Different Plans: Compare different insurance plans and find the one offering the lowest rates with the necessary coverage options.
• Avoid Modifications: Avoid installing unnecessary modifications to your car to avoid increasing the total repair costs.
• Maintain a Good Driving Record: Drive responsibly and obey all traffic rules to maintain a clean driving record.

• Look at the Coverage: Check if the policy provides all-round coverage of various risks, including accidents, natural disasters, theft and third-party liabilities.
• Know the Rider Options: Examine the insurer’s add-on offerings and determine if they have what you want, such as zero depreciation cover or engine replacement.
• Offers Upon Renewal: Many insurance companies offer attractive bonuses and discounts upon renewal, which can add up over time. Compare and find the best offers.
• Check the Service Network: Go through the insurer’s cashless garage network and confirm if there are garages near your home, workplace and frequent destinations.
• Assess the Insurer’s Claim Settlement Ratio: Make sure that the insurance company has a high Claim Settlement Ratio (CSR) and a short turnaround time to process claims.

1. Go to My Policy: Visit our homepage and go to the ‘My Policy’ section.

2. Log in Using Your Credentials: Sign in using your registered mobile number, email ID or insurance policy number and OTP (one-time password).

3. Go to Policy Download: Go to the ‘Policy Download’ section and enter your vehicle registration number or existing policy number.

4. Confirm and Save: Click on the download button to save a PDF copy of your car insurance policy document.

For added convenience, you can choose the option of cashless claims during claim settlement. To avail of this, you need to get your car repaired at one of the 5700+ cashless network garages authorised by TATA AIG around the country to receive quality repair services without the hassle of paying on the spot.

All you need to do is report the incident to us, provide proper details and then locate a cashless network garage near your location. To find it in a quick minute, go to our website, enter your city as Pune, and then add your car details to locate the nearest garage.

An important thing to remember is that cashless claim services are only permitted under comprehensive car insurance policies. Moreover, based on the service type, some cities might not offer certain services. Thus, it is recommended to contact our customer service before choosing a network garage.