Car Insurance in Pune

According to the Motor Vehicles Act 1988, every Indian car owner must compulsorily insure their vehicles against third-party damage risks. With an increasing number of cars on the roads, the risks of accidents are high.

Car insurance plans can assist you financially to cover losses owing to damages caused by unforeseen incidents. For cities like Pune, car insurances are essential, considering the huge traffic rush and congestion.

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.

Challenges car owners face 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.

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. 

You can choose from two 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.