Car Insurance in Pune

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Car Insurance in Pune

Pune is a thriving city of business and academics located in the heart of Maharashtra. This city is home to some of the most premium schools and educational institutions. Pune is also a great tourist destination.

However, as the city is a major contributor to tourism, education and hospitality, the roads take a significant toll all year round. Therefore, car owners in Pune must invest in a car insurance policy to secure their cars from unexpected damage and loss.

Let us understand how insurance for a four-wheeler benefits the car owners in Pune.

Why Do You Need a Car Insurance Policy in Pune

  • Traffic: Similar to any other metropolitan city in the country, Pune has its share of advantages and disadvantages. Because of the growing population in the city, the roads are always filled with cars and other public transportation, making it one of the busiest metropolitan cities in the country.

  • Theft: Pune has a high record of thieves that target cars and public vehicles. News about car thefts in the city has become quite the norm.

  • Unstable weather: Weather is not always reliable for the citizens living in the city. The semi-dry climate fluctuates between wet and dry, which leads to poor road conditions. Along with this, the city is also prone to floods.

Key Features and Benefits of Tata AIG’s Car Insurance in Pune

Key Features and Benefits  Details
High Claim Settlement  Tata AIG has a high claim settlement ratio of 99% (FY 22-23), ensuring you receive a fast settlement.
Online Convenience  You can buy and renew car insurance plans online in 3 easy steps from the comfort of your home.
Extensive Coverage  Based on the policy type, you can benefit from extensive coverage for own damage and third-party liabilities.
Customisation Flexibility  We offer a wide range of add-ons to customise own damage and comprehensive car insurance plans.
24/7 Customer Support  We offer a dedicated team of over 6500 claim experts to ensure correct claim settlement.
Network of Garages Our cashless network garage is spread across the country, with more than 7500+ registered garages. 

Types of Tata AIG Car Insurance in Pune

To find the best car insurance in Pune, you should be aware of the different types of car insurance policies offered by Tata AIG. Find the detailed list below.

Third-Party Car Insurance

Third-party insurance for a four-wheeler is a legal compulsion for every car to have in the country. If your car happens to cause damage to any third party or their property, this car insurance plan will help cover the expenses.

  • Pros and Cons: Other than being a mandate under the Motor Vehicles Act 1988, third-party car insurance in Pune ensures you are financially protected in case you unintentionally damage a third party or their property. However, this policy type provides no coverage for the insured vehicle.

  • Ideal For: Drivers who rarely take their cars out and own low-value cars can benefit from this policy type.

Own Damage Car Insurance

Own damage car insurance protects the insured vehicle from any loss or damage due to accidents or other casualties.

  • Pros and Cons: This car insurance type offers extensive coverage and allows customisation flexibility to increase coverage based on specific needs. However, this plan does not cover third-party liabilities.

  • Ideal For: Drivers who regularly commute to and from accident-prone areas in Pune should invest in this plan.

Comprehensive Car Insurance

Tata AIG offers a comprehensive car insurance plan which covers third-party liabilities with own damage coverage.

  • Pros and Cons: With this Tata AIG car insurance, 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.

    However, as the plan offers extensive coverage and a range of add-ons, the premium is usually higher.

  • Ideal For: This car insurance type is helpful for all drivers in Pune, as unexpected traffic congestion and poor road conditions can attract heavy expenses in repairs.

The Best Car Insurance in Pune: Third-Party Vs Comprehensive Plans

Differentiating Factors Third-Party Car Insurance Comprehensive Car Insurance
Scope of coverage Limited coverage for damages and loss incurred by third parties and their property. Extensive coverage for loss and damage insured by both third party and insured cars.
Legal Mandate Mandatory under the Motor Vehicles Act 1988. Not mandatory
Premiums Lower premiums as limited coverage. Higher premiums as extensive coverage for third party and own damage.
Customisation Flexibility No add-ons are available. A vast range of add-ons is available to increase policy coverage.
Exclusions Reckless driving and speeding Driving under the influence of alcohol or other illegal substances Driving without a valid licence, registration certificate, and other compulsory documents Negligent driving Any accident reported outside Pune Reckless driving and speeding Driving under the influence of alcohol or other illegal substances Driving without a valid licence, registration certificate, and other compulsory documents Negligent driving Any accident reported outside Pune

What is the Car Insurance Rate in Pune?

To find the best car insurance plan, you should know the factors that impact the car insurance premium value. Find some of the factors below.

  • Car’s Age, Make, and Model - The car model, type, and age also impact the premium of car insurance in Pune. Expensive cars come with relatively high premiums, whereas middle-**range vehicles come with more affordable ones.

  • IDV - For anyone wondering what is IDV in insurance, it is a calculation of the maximum financial benefit you can receive on your insured car based on its market value and depreciation value.

  • Policy Type - Based on the type of policy you choose between third party, own damage, and comprehensive plans, your insurance premium will vary.

  • **Add-Ons - When you combine different add-**ons with your base policy, the total premium of the car insurance will increase. This is because the coverage increases with each add-**on.

  • Geographical Location - Based on your residential or movement area in Pune, the location directly impacts the policy premium. For instance, if you are closer to or residing in a rural area, the policy premium will be lower when compared to urban areas and car insurance premiums.

Best Car Insurance Add-Ons to Get in Pune

Tata AIG offers a range of car insurance add-on options that include the following -

  • Roadside assistance

  • Emergency transport

  • Depreciation reimbursement

  • Tyre and engine protection

  • Consumables cover

  • Emergency hospital/transportation cover

  • Emergency medical expenses, etc.

How to Buy and Perform Car Insurance Renewals in Pune with Tata AIG

How to Buy Car Insurance?

  • First, you need to go to our website for car insurance.

  • Enter your car registration number accurately and then click on “Get Price.”

  • Next, select the policy type and combine any add-ons if required.

  • Review the final policy premium quote and check the terms and conditions before making the final payment.

How to Complete Car Insurance Renewal in Pune?

  • Visit Tata AIG’s car insurance webpage.

  • Add your car registration number and click on “Renew.”

  • Review your existing policy terms and conditions and combine any add-ons as required.

  • Once done, check the final premium quote and upon satisfaction, make the payment to renew your car insurance.

How to File a Claim for Car Insurance in Pune?

To file a claim for car insurance in Pune with Tata AIG, you can choose from either of the two options mentioned below.

Reimbursement Claims

With the reimbursement claim option, you have the flexibility to take your car to any garage that is close to the current location. Once there, you need to get the repairs as required and make the payment for the same on your own.

Once the repair work is completed, collect all the receipts and submit them to us. We will evaluate the case, and once it is approved, we will reimburse the repair amount based on your policy terms.

Cashless Claims

With the cashless claim option, you can get your car repairs completed at any of the network garages authorised by Tata AIG without any out-of-pocket expenses. To avail of this, you need to register the claim and then find a network garage.

Once you are there, fill out a survey basis after which we will evaluate the claim and then approve the amount permitted for cashless claim for your policy. Then, once the repairs are done, we pay the garage directly without your involvement.

Documents Needed for Car Insurance Claims in Pune

Below is the list of the necessary documents needed:

  • Duly filled claim form

  • 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

  • Policy documents

  • Personal details - address and identification proof

  • Hospital bills in case of personal accident claim

  • Repair bills from the garage (in case of reimbursement claims)

  • Any other document as required for claim settlement

Tata AIG Cashless Network Garages for Car Insurance in Pune

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 7500+ 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 garage for cashless car insurance near me. To find it in a quick minute, go to our website, enter your city as Pune, and then add your car make 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.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

What is the cost of car insurance in India?

What is the cost of car insurance in India?


The car insurance price in the country would depend on the plan you choose. You can use the car insurance calculator present on our website to determine the cost of your car insurance policy.

Which insurance is mandatory for a car in India?


In India, every car on the road must have a valid third-party insurance plan as it's a legal compulsion under the Motor Vehicles Act. Not having a valid insurance policy can lead to fines of up to ₹4000 or imprisonment of up to 3 months.

For how long can I buy car insurance?


With Tata AIG, we offer annual as well as multi-year car insurance policies. You can choose the tenure based on your specific requirements.

How do I check my car insurance status online?


You can go to our Self-Service Page and log in to your account to see the status of your Tata AIG policy. You can also visit the official website of the Insurance Information Bureau to get the status of any insurance policy.

Should I opt for 3rd party or comprehensive cover?


Third-party insurance is one of the cheapest car insurance plans in India. However, third-party insurance only covers third-party damages. If you want coverage for the damages to your car, theft of your car, etc., along with a choice to opt for add-ons, then go for comprehensive insurance cover.