About Car Insurance in Pune
Pune, the second largest city in Maharashtra after Mumbai, is also known as the “Queen of the Deccan.” The seasonal capital of the Bombay Presidency during the British rule owing to its pleasant climate, it is now a popular tourist resort as well as a major educational and cultural centre. The city is also home to the Indian Army’s Southern Command and the Lohagaon Air Force Station of the Indian Air Force, and is well connected to the state capital Mumbai by road, rail and air. Car owners in Pune can get insurance policies from LGI which offer complete peace of mind in the unfortunate event of an accident or other natural mishap which damages the vehicle. These car insurance policies range from the basic third party insurance which is legally mandatory to comprehensive covers which insure you against almost various forms of accidental damage. It is important to remember that the cheapest policies are not always the best for your vehicle, since the last thing you need to worry about in case of a mishap is whether your policy covers the damage. LGI’s easy online premium calculator allows you to quickly arrive at the premium for your car based on your needs, and apply for instantly it without having to leave the comfort of your home or office.
You can also find a list of Liberty General Insurance-partnered garages at our garage locator
Why choose Liberty General Insurance in Pune?
91% claim settlement ratio (2018-19)
97+ offices all over India
4,300+ partner garages in India
Our inspection process means you don’t have to endure any hassles
Enjoy Hassle-free settlement with
Liberty General Insurance
Ease of Endorsement
Incorporate amendments in
your existing policy
Additional Protection Cover
Check our list of add-on policies
for your car
Daily Customer Service
Call us from 8 am to 8 pm,
7 days a week
Find the nearest garage through
our garage locator
Types of car insurance policies
Third Party Insurance
Driving without a Third Party or Liability Only insurance policy is a punishable offence under the Motor Vehicles Act of 1988. This policy, however, only covers loss or damage suffered by a third party in case of an accident arising out of the use of the insured vehicle. Remember that it does not cover any loss or damage to the insured vehicle or to the insured.
As the name suggests, this is an all-inclusive policy which offers complete coverage for loss or damage to the third party as well as to you in case of theft or an accident.
Own Damage (OD) Cover
This policy covers damage caused by fire, explosion, lightning, burglary or housebreaking or theft, riots and strikes, earthquakes (fire and shock damage), typhoons or floods, riots and malicious acts, terror activity, etc.
What insurance is not covered in case of Own Damage policy?
- Damages to a third party vehicle (If you want coverage for both - own as well as third party damages then buy comprehensive Car insurance)
- Damage caused to a third-party property
- Injuries caused to other people in an accident
- Normal wear-and-tear of the vehicle
- Mechanical and electrical breakdown
- A vehicle being used other than in accordance with the limitations as to use. For example, if you use your Private car for commercial purposes.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance
- Consequential loss.
Liberty General Insurance also offers various add-on covers which include depreciation cover, passenger assist, consumable cover, engine safe cover, GAP value cover, key loss cover, and roadside assistance cover.
Do I have to renew my four wheeler insurance every year?
Yes. Car insurance policies are usually offered for one year, so you will have to buy or renew your policy every year. It is recommended that you purchase and renew your policy online not just to save time and paperwork, but also because you can get various benefits including better premiums. We recommend purchasing and renewing insurance online as part of our Go-Green Initiative plan, wherein you will receive soft copies of your insurance policy. Apart from our website, you can also renew your policy by downloading our mobile app available on the Android and iOS App Store and through WhatsApp messenger.
Should I buy third-party or comprehensive car insurance?
Third-party car insurance is mandatory according to the Motor Vehicle Act of 1988. However, it is advisable to buy a comprehensive car insurance, as third-party car insurance only covers third-party liability, and any damage to your car will not be covered. You can choose one of several Liberty General car insurance policies that cater to your requirements to ensure that you don’t feel the pinch in case your car is damaged.
What are add-on covers?
Add on covers, also known as add-on riders, are those covers that help you provide all-round protection to your car, over and above what your car insurance policy covers. You can choose from a wide range of add-on covers including:
- Depreciation cover
- Passenger Assist
- Consumables cover
- Engine safe cover
- Gap value cover
- Key loss cover
- Road-side Assistance cover
These riders are not a part of your insurance policy and you have to pay separate premiums to purchase them.
How do I renew my car insurance policy for a car in Pune?
If you are a new car owner or want to port your insurance policy from another company to LGI online, you can do so in the following way. New customers or those porting their policy can visit here, while those renewing their policy can visit here.
A soft copy of the policy will be sent to your email address, while the policy document will be mailed to your registered home or office address. We encourage you to buy and renew your policy online, as it is also a green initiative.
If you wish to visit us at our Pune Office, then you can contact our nearest office here
Registration Number: 150 | ARN:Advt/2018/March/26 | CIN: U66000MH2010PLC209656
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Reg Office: 10th floor, Tower A, Peninsula Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013
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