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

Car Insurance Pune

It is not rare to make a wrong choice when purchasing an auto insurance. This is because few people bother to get into the nuances of car insurance and the options offered. What normally happens is that the seller from whom one buys the car has association with an insurance provider and adds the insurance plan to the road price of the car. The owner pays the premium every year when he/she gets notice from the company, which renews the policy. Hence a little research and planning can bring down the insurance amount significantly.

Pune is a city that represents ‘New India’, with its inexplicable blend of materialism, spirituality, tradition and modernism. Apart from being an educational and cultural hub, Pune is also famed for automobile manufacturing and is one of the fastest developing metros in Asia. Though a vast number of boulevards are constructed in central Pune, it is after all a hill station, and hence has many meandering roads. According to National Crime Bureau report (2011), Pune ranks third with regards to the number of accidental deaths. This is a grim situation and makes buying auto insurances even more necessary.

There is no escaping car insurance but there are ways to keep the premiums in check
  1. Ignorance is not bliss when it comes to the Indian Vehicle Insurance Law-
  2. According to our country’s motor vehicle rules, there is a minimum insurance every car owner must buy, which is the Mandatory Limited Liability. A higher cover comes with a higher premium.

  3. Be that driver who understands that the road could be full of idiots-
  4. This is not just to keep you safe but also to save on premiums. If a year goes without any insurance claims, the company generally ‘rewards’ the driver with a ’No Claim Bonus’ (NCB) which will bring down the premium by around 10 to 25% as per the company policies. For instance, if your yearly premium was INR 8000 in 2014 and there were no claims, the premium for this year could be INR 7200 to INR 6000 with the deducted NCB.

  5. Higher Deductible Helps-
  6. [Deductible is the money paid from your side towards any damage expense.]

    Nobody likes to choose a car insurance policy with more deductible than necessary. This could be another incentive to be a safe driver. For instance if you choose to pay 25% of the expense in case of accident/repair, insurance company will bear the rest. But here, an impeccable driving history of at least three years can save you more than what you actually spent on repairs.

  7. Super-attractive add-ons! How necessary are they?
  8. Compare the facilities offered by your car dealer and those by insurance providers. Check carefully to see if they overlap. For instance, if the dealer offered you free road-side crisis assistance for, say, first 3 years, there is no need to pay for the same add-on to the insurance company. Similarly if you already have a medical insurance, there is no need to opt for hospital money add-on as well. These minor details can save you loads of extra premium.

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

Car Insurance Pune Reviews

Page 1 of 7 1 2 3 4 5
  • HDFC Ergo Car Insurance
    "Average Policy"
    0.5 3.5/5 "Pretty good"
    I hold a car insurance with HDFC ERGO from more than 1.5 years, a premium of Rs 5000 has to be paid for this insurance policy every year. I did not claim anything so far from this insurance policy. They cover bumper to bumper damage for this car insurance.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 01, 2018
  • ICICI Lombard Car Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I hold a car insurance with ICICI Lombard from last 3-4 years, a premium of Rs 6000-7000 has to be paid for this insurance policy every year. There was no claim experience so far with this insurance and they did not give insurance papers on time.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 30, 2018
  • HDFC Ergo Car Insurance
    "Good coverage and cashless garages is good. "
    0.5 5.0/5 "Blown Away!"
    They have very good garages in PUNE. Its a bumper to bumper covered policy apart from tyres and glasses. They have provided me a coverage value of Rs. 4.5 lakhs and i was asked for 5.5 lakhs hence i'm not satisfied with it. I have paid the premium amount of Rs. 14.5 including GST. Because of the features i have selected the HDFC Ergo policy. Once i called them for road side assistance and they have managed well.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 26, 2018
  • review Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    I have purchased my car insurance with Kotak Mahindra before 2 years. The customer service is good. The policy period is one year and am doing renewal with same insurer. The policy coverage is better, there is bumper to bumper offer and good IDV value. I have paid 10K through net banking.
    Was this review helpful? 1
    , pune
    Reviewed on Nov 21, 2018
  • Royal Sundaram Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    The reason to go for Royal sundram my SBI bank have suggested this insurance company for the car policy. They gave good insured value for my car. I used my policy when I got injured then I got reimbursement by car self insurance cover. I got treatment in hospital. Earlier I paid the premium amount around 22,000 for one year.
    Was this review helpful? 1
    , pune
    Reviewed on Nov 20, 2018
  • HDFC Ergo Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I hold a car insurance policy with HDFC ERGO from last 1 year, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the coverage value of this insurance policy.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 01, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance policy with New India Assurance for 1 year, i am not aware of the premium amount for this insurance policy. This policy covers third party damage and i have not claimed anything so far from this insurance policy.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 30, 2018
  • United India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a car insurance with United India Insurance from last 2 years, i am not aware of the premium amount for this insurance. I have no claim experience so far with this insurance policy. They cover bumper to bumper damage for this insurance policy.
    Was this review helpful? 2
    , pune
    Reviewed on Oct 24, 2018
  • HDFC Ergo Car Insurance
    "Good Car Policy"
    0.5 4.0/5 "Great!"
    I took HDFC Ergo car insurance for the premium amount of Rs.16,000 for one year. They offered me the IDV value of Rs. 5.8 lakhs with 24 hrs road side assistance, without documentation on repair pick and drop with bumper to bumper coverage on damage.
    Was this review helpful? 0
    , pune
    Reviewed on Sep 29, 2018
  • review Car Insurance
    "Good Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken a car insurance policy with Bharti Axa general insurance for 1 year, i am happy with the coverage value of this insurance policy. I have to pay a premium of Rs 12500 for this insurance policy. Customer service was good and they explained about the insurance in detail.
    Was this review helpful? 1
    , pune
    Reviewed on Sep 08, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken car insurance policy with New India Assurance for 1 year, a premium of Rs 29000 has to be paid for this insurance policy. This policy covers full coverage and i am happy with the coverage value. Customer service was good as they explained about the insurance terms and conditions.
    Was this review helpful? 0
    , pune
    Reviewed on Sep 08, 2018
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    From BAJAJ ALLIANZ GENERAL INSURANCE i have taken a car insurance. The premium is 15000 annually.They provide accidental coverage and third party coverage, cashless garage. I have to renew the policy every year.No claim till now.
    Was this review helpful? 0
    , pune
    Reviewed on May 29, 2018
  • Bajaj Allianz Car Insurance
    "Car insurance from BAJAJ"
    0.5 4.0/5 "Great!"
    I have taken the car insurance from BAJAJ ALLIANZ GENERAL INSURANCE.The policy benefits include bumber to bumber cashless garage, road assistance and accidental coverage. I took this policy through the dealer. No claim experience with the policy.
    Was this review helpful? 0
    , pune
    Reviewed on May 13, 2018
  • New India Car Insurance
    "BETTER"
    0.5 4.0/5 "Great!"
    Its very easy to use car insurance and very easy in handling it. I am holding the insurance from NEW INDIA, the customer service very good and the responsiveness is also good.I have claimed it once till now they helped me a lot and the thing is that till now i face no issues with anything till now.
    Was this review helpful? 1
    , pune
    Reviewed on May 09, 2018
  • Royal Sundaram Car Insurance
    "Average Service"
    0.5 3.0/5 "Satisfactory"
    I've been using the ROYAL SUNDARAM Car insurance for the past 2 years. I never had any claim experience with this policy. I've been paying a premium of 9000. per year and this policy do not have bumper to bumper coverage. Overall I never had any issues with the policy.
    Was this review helpful? 0
    , pune
    Reviewed on May 09, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with Reliance from last 2 years, i do not have any claim experience so far with this car insurance. I pay an insurance premium of Rs 30000 every year. I am happy with the coverage of this insurance and they cover bumper to bumper as well as third party.
    Was this review helpful? 2
    , pune
    Reviewed on Apr 14, 2018
  • HDFC Ergo Car Insurance
    "GOOD SERVICE"
    0.5 4.0/5 "Great!"
    I have taken a car insurance service from Hdfc. The payments are through cheques. I have not avail any service from Hdfc. The documents process was been smooth. I have taken the service recently. It was a good experience with Hdfc car insurance service.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 23, 2018
  • Tata AIG Car Insurance
    "Car insurance with TATA AIG"
    0.5 4.0/5 "Great!"
    I have taken the car insurance from TATA AIG GENERAL INSURANCE. The premium amount is 29000. They have bumber to bumber and road assistance. Its a good policy and i have to renew the policy every year.The customer service and response is good.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 22, 2018
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Bajaj Allianz from last 7 years and it is a very good policy to use. This policy has to be renewed every year and i pay a premium of Rs 5000-6000 for this insurance. I do not have claim experience so far with this insurance. They cover bumper to bumper damages and the coverage is 50%.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 07, 2018
  • Tata AIG Car Insurance
    "TATA AIG Car Insurance"
    0.5 3.0/5 "Satisfactory"
    I have taken the car insurance from TATA AIG GENERAL INSURANCE. The yearly premium is 31000. I am not sure about the benefits offered by them. I made the payment at the showroom itself. This policy gives coverage to the driver as well. I have to renew the policy every year.
    Was this review helpful? 0
    , pune
    Reviewed on Mar 06, 2018
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