Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Car Insurance Hyderabad

The thriving economy in the country has triggered an upward shift in enhancing the lifestyle of Indians. Owning a car is no longer a luxury, especially in the metros. The city of Hyderabad is no different. Backed by rich heritage and fast forwarded by the IT wave, cars of all segments drive the city of nawabs and pearls.

Insuring the car is an integral part of owning one. For many of us, car insurance premiums can be a financial burden. However, benefits of insuring a car translates into peace of mind. It is mandatory as per law. Motor insurance in India continues to be the largest non- life insurance segment with a mammoth share of 47.90 % in 2013/14(source: IRDA).

Almost all leading players in the motor insurance segment offer customised car insurance plans in Hyderabad. Car protection plans offered by insurers in Hyderabad can be broadly classified into two categories. Comprehensive Plan -

The most preferred car insurance plan in Hyderabad is all inclusive. It not only covers the owner, occupants and the car against damages but also shields the insured against liability and costs arising out of injury, death or damage to third party.

Third Party Insurance

Unlike its counterpart, this type of insurance only covers damages to a third party that includes injury, death or damage to property and is mandatory by law across Hyderabad. It offers no self-protection to the insured.

Choosing a comprehensive plan would be a wise decision. Though it comes at a higher premium, it protects you against unanticipated expenses in case of a mishap.

In Hyderabad, you can buy or renew existing car insurance online. Web portals of insurance companies make it easy for you to sign up and buy insurance with minimal documentation.

Tip:

Keep a track of your existing car insurance expiry date and renew as per timelines prescribed by the insurer. Renewing the cover after expiration may lead to additional costs in terms of inspection of the car by the assessor. This leads to unwanted hassles.

Buying & Renewing Car Insurance Online in Hyderabad

Leading players like Bharti AXA, Bajaj Allianz, ICICI Lombard and others offer tailor made car insurance plans in Hyderabad. Look out for discounts if you’re switching over from a competitor at the time of renewal.

Almost all insurance companies offer car insurance policies online with minimal documentation. Renewal can be done at the click of a button with no paperwork. It’s highly recommended that you compare plans and get quotes from insurers on a neutral marketplace like bankbazaar.com for best price and offers.

Lookout for the features below when you compare online
  1. Third party liability cover
  2. Personal accident cover
  3. Loss or damage to the insured car
  4. No claim bonus
Add on goodies like
  • Change flat tyre
  • Repair and tow assistance
  • Emergency fuel
  • Lost key/lockout assistance

One term you will often hear, IDV - Insured declared value, is the market value of your car as fixed by the insurer and depreciates every year. The IDV is primarily based on the manufacturers listed price and depreciates year on year.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Car Insurance Hyderabad Reviews

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  • Tata AIG Car Insurance
    "Satisfied policy"
    0.5 5.0/5 "Blown Away!"
    TATA AIG is the best company to take the car insurance. Since long time i have taken this insurance. The customer care people used to call me to renew the policy and they used to policy renewal letter. I will do payment through online. Several times i have claimed the policy and i have received very good response.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Jan 18, 2019
  • Tata AIG Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am having a car insurance with TATA AIG from last 1 year, a premium of Rs 7272 has to be paid for this car insurance policy. I did not claim anything so far from this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 03, 2019
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with New India Assurance from last 5 years, i have not claimed anything so far with this insurance policy. This policy covers bumper to bumper as well as third party damage. I pay a insurance premium of Rs 6000 for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 29, 2018
  • Shriram Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy almost three years back and i had been paying the premium amount of 18,200 per year. There has been cash less garages available with them and the payment method with them has been easy as well. There has not been any claims which had made so far.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Dec 20, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I am having a car insurance policy with Bajaj Allianz from last 3 years, Rs 7800 has to be paid as a premium for this insurance. I have no claim experience so far with this insurance. Customer service is good as they intimate for renewing the policy. I am happy with the coverage value of this insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • review Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Maruthi dealer gave me Kotak General Car insurance policy. It has the tenure of three years for the same IDV value. I have taken zero depreciation plan its like 100% bumper to bumper , including third party cover with 24 hours service and road side assistance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • L and T Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    The dealer gave me L & T general insurance policy for my car the premium amount is nominal for the tenure of one year, I have old Tokyo Innova, hence I took comprehensive and third party cover, they do have road side assistance and 24 hours services on time.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • ICICI Lombard Car Insurance
    "Good protection for four wheeler"
    0.5 5.0/5 "Blown Away!"
    From ICICI lombard I have taken car insurance for Hyundai I20, first time when I paid the around Rs. 25,000 when it was new car, now recently I paid is around Rs. 17,000 now its been 2.5 years old. The plan is called zero depreciation, with road side assistance, 24 hours services.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 07, 2018
  • SBI General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim of 44k with the SBI GENERAL INSURANCE where i have taken the card insurance and the claim is of reimbursement and i got within the one day. The premium is nominal and the IDV is nominal. The coverage is for bumper to bumper. The process is good with this policy.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • Universal Sompo Car Insurance
    "Good Car Insurance policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken 2 years ago with Universal Sompo. I have been renewing the policy with the same company. I have paid the premium amount of Rs. 4000. This policy has been covered for 100%. They have given me a car value of Rs. 1.90 lakhs.They have offered me a facilities of road side assistance and bumper to bumper. I have no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 03, 2018
  • United India Car Insurance
    "Good car insurance policy"
    0.5 5.0/5 "Blown Away!"
    Since its a new car, they have given me a a zero depreciation policy. The dealer has recommended me about this car insurance policy when i purchase my car. I have paid the premium amount of Rs. 28000. They have not given me a road side assistance facility but bumper to bumper facility is available. More garages are available in my location.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 03, 2018
  • HDFC Ergo Car Insurance
    "Good Protection for four wheeler"
    0.5 4.0/5 "Great!"
    The premium was economical for one year car insurance with HDFC Ergo. Now I have option for three years, I have comprehensive loan it covers for loss, damage, personal accidental with zero dep protection like bumper to bumper. The process activation was good I took for 2014 model Renault duster.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 28, 2018
  • Royal Sundaram Car Insurance
    "Good protection for four wheeler"
    0.5 3.5/5 "Pretty good"
    The showroom gave the insurance I didn't interact with the insurance person I got my policy copy on time, they are providing road side assistance, In nagol they got tie many center service and they do cash less garages . Its a good protection for four wheeler
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 24, 2018
  • National Insurance Car Insurance
    "Good Car insurance "
    0.5 5.0/5 "Blown Away!"
    My car was insured with National car Insurance 3 months before. I have purchased the policy through online. They have given me a third party coverage and they have given me a instant insurance. I have paid the premium amount of Rs. 2950. They have given me a coverage value of Rs. 50000. By online, i have done the documentation process.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 23, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am having a car insurance with Bajaj Allianz from last 5-6 years, i pay a premium of more than Rs 9000. I had claimed 2 times with this insurance policy. There was no cashless garage facility provided. They covered 80% and i am happy with the coverage value.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 11, 2018
  • Tata AIG Car Insurance
    "Average policy"
    0.5 3.0/5 "Satisfactory"
    I got Car insurance from Tata Aig general insurance through Mahindra finance As The premium amount is very high of Rs 13000 ,As they have not explained even single thing about the policy overall its average policy . And am not happy with premium amount which i have paid for .
    Was this review helpful? 2
    , hyderabad
    Reviewed on Oct 11, 2018
  • Royal Sundaram Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    This policy covers Bumper to bumper cover and cashless garage covers. It holds zero deprecation coverage Where the representative explained the policy very well . Am satisfied with premium amount which am making . Overall am satisfied with the Royal sundaram general insurance company .
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 03, 2018
  • Bajaj Allianz Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Bajaj Allianz from last 4 years and it is a good policy to use. I pay a premium of Rs 14000 for this insurance policy. I also get no claim bonus and it is 0% depreciation, it has a full coverage and there was no claim experience so far.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Oct 02, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car is insured with Bajaj Allianz from last 3 years, they charge Rs 1000 as processing charges. It has a full coverage and i pay a premium of Rs 12000 for this insurance policy. My claim experience was good with this insurance and it is 0% depreciation.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Oct 01, 2018
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