Car Insurance in Pune
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Under the Motor Vehicles Act 1988, every car owner in India is legally required to insure their vehicle against third-party liabilities. In a rapidly growing city like Pune, where urban expansion and increasing vehicle density have led to frequent traffic congestion and accident risks, having a reliable car insurance policy is more important than ever. Whether you're navigating the busy streets of Hinjewadi or commuting through the crowded lanes of Camp and Kothrud, unforeseen incidents like collisions, theft, or natural disasters can lead to significant financial setbacks.
If you are looking for a reliable insurance provider in Pune, consider Digit Insurance, one of the trusted motor insurers in India. You can either opt for a third-party car insurance policy or a comprehensive one according to your requirement and budget. Read further for a detailed idea of both the insurance policies.
The sprawling city in the state of Maharashtra, Pune is known for its heritage and ever-changing growth to keep up with the modern world. Primarily defined as the cultural capital of Maharashtra, Pune is also called the “Oxford of the East.” When it comes to educational services, Pune is one at the top with the highest number of international students, alongside the natives.
This marvellous city exemplifies Marathi culture at its best, with a perfect mix of arts and crafts, education and theatres. Pune is well-connected, thanks to its upcoming metro and bus service. Furthermore, this city has experienced one rapid growth in motorized two-wheelers, replacing bicycle. Not only that, but the number of people owning cars and other private vehicles has grown to a massive extent, making Pune one of the busiest metropolitans in India.
Why Do You Need Car Insurance in Pune?
Congestion
Just like any other metropolitan cities in India, Pune has its share of pros and cons. Everything is not bright and sunny always for the people. Due to a massive population, roads are always packed with cars and other public transportation, the upcoming metro construction and many other reasons that are leading to unending traffic jams. Even the municipality is not always on the lookout for people’s safety on the road, leading to negative road conditions.
Unsuitable Weather
The weather is not always suitable for the Pune residents. The semi-dry climate borders with the tropical wet and dry, giving rise to an average temperature between 20 and 28 degree C. But, monsoon lasts from June to October, which easily degrades the already worst condition of road. In terms of natural calamities, Pune is high on the list of flood-prone areas. Even landslides are quite common.
Theft
Pune has a bad record of housing thieves, targeting cars and public vehicles. Recently on September 2019, the news spread like wildfire where thieves smashed windows of 10 cars and end up stealing music systems of 2 lakh rupees’ worth. On the other hand, there was another newsflash in the month of August indicating thieves breaking windows of 9 cars, situated in Balewadi High Street.
How Can Digit Insurance Save Your Car in Pune?
Want to get your car protected from further theft and other similar issues in Pune? If so, then registering with Digit General Insurance is your best call.
Dents and scratches!!! Digit car Insurance online is here: Your car always stands vulnerable to the chances of scratches and dents in the traffic of a city like Pune, because it is densely populated with vehicles. So Digit car insurance will pay you for any damage to your car, such a peace of mind!
Choose from Three Types of Car Insurance Policies:
Third-Party Liability: This insurance pays for you when you are legally held responsible for a mishap that has caused bodily injury or property damage to any other party. This is mandatory for Indian roads, so it can save you from heavy fines of ₹.2000 and/or prison time of 3 months for the offence of driving without car insurance.
Comprehensive Policy: This policy pays you for damage to your own car along with the third-party liability. This is customizable with available add-ons to broaden the coverage.
Own Damage: This policy covers loss and damage to your own car, which may be caused due to accidents and collisions, natural calamities, fires, and thefts. This works as an added protection with the third-party car insurance policy.
- Car Insurance Add-ons: Suitable for Pune: Enjoy gear-box and engine protection cover which will prepare your car for any probable flood in Pune. Return to invoice is the best choice to help you in case of car theft.
- Easy Claims: The claim procedure has been proven to be super comfortable. You can cover it all right from the comfort of your couch because of an online procedure. Just click the pictures to get the policy approved and you are good to go!
- Protect Yourself with PA Cover: Every vehicle owner should secure a personal accident cover. This cover helps manage costs from accidental injuries, disability, or loss of life. During an emergency, Digit’s policy ensures your family is financially supported when it matters most. You can also opt for a separate Digit health insurance policy to cover hospitalisation expenses after an accident.
Why Choose Car Insurance in Pune by Digit?
We treat our customers like VIPs, know how…
Cashless Repairs
With access to over 9000+ cashless garages across India, you can get your car repaired without worrying about upfront payments. Digit also offers pickup and drop, adding convenience to the repair process.
Smartphone-Enabled Self Inspection
Skip the hassle of physical inspections. Digit allows you to upload photos and videos of the damage directly from your smartphone, making the claim process faster and more convenient.
Super-Fast Claims
Digit has settled 96% of motor claims, with most processed in just a few hours. The digital-first approach ensures minimal paperwork and quick turnaround, so you can get back on the road sooner.
24*7 Support
Whether it’s a weekday, weekend, or national holiday, Digit’s support team is available round the clock to assist you with queries, claims, or policy updates.
Customize Your Vehicle IDV
You have the flexibility to set your car’s Insured Declared Value (IDV) based on your preference. This helps you balance your coverage and premium according to your needs.
Complimentary Wellness Benefits
As a Digit customer, you get access to exclusive wellness offers & benefits. Top-rated health and wellness partners provide these benefits, adding extra value to your insurance plan.
Key Features of Digit's Car Insurance Policy
What’s Covered in Digit Car Insurance in Pune?
Accidents
Covers damage from collisions
Theft
Protection if your car is stolen
Fire
Covers accidental fire damage
Natural Disasters
Includes floods, cyclones, etc.
Personal Accident
Compensation for owner’s death or disability
Third Party Damages
Covers damage to others’ property or vehicles
Car Insurance Add-ons Available in Pune
Following are the car insurance add-ons available in Pune:
What’s Not Covered under Digit Car Insurance Policy?
Understanding what's not covered is just as crucial—so you're not caught off guard when making a claim. Here are key exclusions to keep in mind
Own Damages for Third-Party Policy Holder
Third-party policies don’t cover your car’s damage
Drunk Driving
No cover if driving under influence or without a valid licence
Driving without a Valid Driving Licence
No cover if driving without a qualified supervisor
Consequential Damages
Indirect damage after an accident isn’t covered
Contributory Negligence
Damage from ignoring safety guidelines (e.g., driving in floods) is excluded
Add-Ons Not Bought
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
Car Insurance Plans in Pune
Third party
A Third-Party Car Insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive
A Comprehensive Car Insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Standalone Own Damage
An Own Damage Car Insurance is for yourself; it covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.
Third-Party
Comprehensive
Own Damage
|
Damages/Losses to own car due to an accident |
×
|
✔
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✔
|
|
Damages/Losses to own car in case of fire |
×
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✔
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✔
|
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Damages/Losses to own car in case of a natural calamity |
×
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✔
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✔
|
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Damages to Third-Party Vehicle |
✔
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✔
|
×
|
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Damages to Third-Party Property |
✔
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✔
|
×
|
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Personal Accident Cover |
✔
|
✔
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×
|
|
Injuries/Death of a Third-Party Person |
✔
|
✔
|
×
|
|
Theft of your car |
×
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✔
|
✔
|
|
Customize your IDV |
×
|
✔
|
✔
|
|
Extra protection with customized add-ons |
×
|
✔
|
✔
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Know more about the difference between comprehensive and third party insurance
How to Buy Car Insurance in Pune with Digit?
Enter Car Details
On the Digit App or website, enter car registration number and select the policy status.
Choose a Plan
Select the type of car insurance plan and choose desired add-ons.
Enter Personal Details
Enter your personal, nominee and vehicle details, and move to the next step.
Make Payment
Complete the payment and mandatory KYC verification process.
That's It!
You’ll receive the policy document via email, SMS and WhatsApp. Also, you can access it 24X7 on the Digit App.
Digit's Cashless Garages
Get cashless repairs at 9000+ garages across India
Popular Cashless Garages in Digit's Network in Pune
Here’s the list of Digit's top 25 cashless garages in Pune, as of August 18th, 2025. Visit Digit Cashless Garages to view the complete network of cashless garages associated with Digit.
Digit Insurance Registered Offices in Pune
Here is the list of office addresses in Pune as of August 5th, 2025: