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The capital city of Telangana, Hyderabad, ranks 17th in the Global Traffic Congestion Rankings. Owing to the heavy traffic that the city faces, the chances of road accidents is very high. The traffic is, in fact, increasing with each passing day, thus highlighting the need for car insurance, as this policy provides financial protection in case there is any damage to the insured car. A car insurance policy in Hyderabad provides financial compensation in case the insured car gets lost, stolen, or damaged in an unforeseen circumstance. Read on to know more about car insurance in Hyderabad.
Types of Car Insurance Policies in Hyderabad
In Hyderabad, you can buy any of these types of car insurance policies.
1. Third-party Insurance
In Hyderabad, it is compulsory for you to have at least a third-party car insurance policy. This type of policy provides financial protection in case there is any damage to a third party due to the insured car.
2. Own damage (OD) Car Insurance
An own-damage car insurance policy provides a safety net if any damage is done to the insured car. This coverage is not available with a Third-party insurance plan. Thus, for insurance coverage for your car, you should consider buying the Own Damage Cover along with the mandatory Third-party Insurance.
3. Comprehensive Car Insurance
A Comprehensive Plan is an all-round policy that secures the policyholder against damages to the insured car as well as third-party liabilities, or if there is any loss to your car due to theft, accidents, floods, riots, and more. It is better to opt for Comprehensive Insurance for broader insurance coverage for your vehicle and to reduce your financial burden during time of crisis.
Why Should You Buy a Car Insurance Policy in Hyderabad?
There are several reasons why you should buy car insurance in Hyderabad, such as those listed below:
Mandatory Under Telangana Traffic Laws: In Hyderabad, traffic enforcement has become increasingly strict, especially after the implementation of the TS e challan system. If you are found driving without a valid car insurance policy, then this may lead to you paying hefty fines and vehicle seizures.
High Traffic Congestion & Accident Risk: In Hyderabad, areas like HiTech City, Jubilee Hills, and Begumpet experience high traffic density, especially during peak hours. This raises the risk of collisions and accidents. In such an event, car insurance helps cover these frequent yet costly repairs.
Protection Against Theft: While Hyderabad is relatively safe, there are still some areas where instances of vehicle theft or break-ins occur. To stay protected against such unpredictable events that may cause a deep hole in your pocket, you must have a valid Comprehensive Policy.
Seasonal Flooding in Monsoon: Hyderabad faces waterlogging in some areas during heavy monsoons. Cars parked in low-lying areas are often damaged by water. A car insurance protects you from repair costs related to water damage or engine failure due to flooding.
Wide Network of Cashless Garages: In Hyderabad, insurers like ACKO have tie-ups with a large number of network garages. This allows you to get your car repaired without upfront payment using cashless claim services.
Ensures Peace of Mind: Whether you are maneuvering through narrow lanes in Old City or navigating the busy Hitech City in Hyderabad, a car insurance policy will give you peace of mind. It acts as a financial shield against a fast-paced and sometimes unpredictable traffic environment.
Inclusions and Exclusions of Car Insurance Policy in Hyderabad
The common inclusions and exclusions of a car insurance policy in Hyderabad are:
Inclusions:
Coverage for vehicle damage due to accidents
Any damage to the vehicle due to fire outbreaks or natural disasters.
Third-party liability coverage
If the insured vehicle is lost or stolen
Personal accident injury
Exclusions:
Damage caused intentionally or due to involvement in illegal activities
Wear and tear, mechanical breakdown, or regular maintenance costs
Damage to personal belongings inside the vehicle
Using the vehicle for commercial purposes
Driving under the influence of alcohol or drugs
Overspeeding the vehicle
Driving a vehicle outside the geographical location mentioned in the policy document
ACKO Car Insurance Add-on Covers in Hyderabad
Some of the add-ons that you can include while buying a car insurance policy in Hyderabad are as follows:
Roadside Assistance Cover: The Roadside Assistance Cover assists in case you get stranded in the middle of the road and need assistance.
No Claim Bonus Protector: A No Claim Bonus (NCB) Protector is an add-on cover that allows you to retain your NCB discount even after making a claim. This add-on ensures your premium discount stays intact, rewarding your safe driving history despite occasional claims.
Consumables Cover: A car insurance policy typically does not cover consumables like lubricants, nuts and bolts, gearbox oil, etc. However, with this cover, you can get protection even for consumables.
Engine Protection Cover: The Engine Protection Cover protects you financially in case the car’s engine gets damaged in an accident.
Zero Depreciation Cover: With this add-on, you can get the complete claim amount, irrespective of the depreciation costs.
Return to Invoice Cover: The Return to Invoice Cover provides complete financial compensation based on the original invoice in case of total loss or theft of the car.
Factors Affecting Car Insurance Premiums in Hyderabad
Listed below are the factors affecting the car insurance premium in Hyderabad:
Type of Vehicle
The make and model of the vehicle significantly affects the premium. For instance, sedan cars will have higher premiums than any regular car.
Type of Insurance Coverage
If you are planning to buy a car insurance policy in Hyderabad, you have the option to choose from the different policies available. Based on the policy you choose, the premium amount will vary. Typically, a Comprehensive policy will cost you more than the other plans available.
Driving Record
If the policyholder has a history of accidents, traffic violations, or claims, the premium amount can be higher. So, it is advisable to maintain a clean driving record.
Geographical Location
Hyderabad has a higher traffic density and crime rates, due to which the car insurance premium rates are high.
Deductibles
Higher deductibles typically result in lower premiums. So, while buying car insurance in Hyderabad, you can customise the deductibles accordingly.
Anti-theft Devices
The installation of anti-theft devices helps policyholders get discounts on the premium amount. This is because it reduces the insurer’s liability in settling claims.
How To Buy Car Insurance Online in Hyderabad with ACKO?
Listed below are the steps you can buy a car insurance policy in Hyderabad with ACKO:
Go to the top of this page
Enter the vehicle registration number and click on ‘check prices’
A list of car insurance plans will be visible
Select a suitable car insurance policy along with the necessary add-ons and enter your personal details
Make the premium payment, after which you will receive the policy details
Benefits of Car Insurance Renewal Online in Hyderabad with ACKO
Whether you buy your car insurance policy with ACKO or any other insurer, it is important to renew the plan as it comes with an expiry date. So, here are some of the reasons why you should renew your car insurance policy with ACKO:
Quick Process
The process to renew a car insurance policy with ACKO is quicker and seamless. You just need to enter a few details and get the policy renewed at your fingertips.
Minimal Paperwork
There is zero paperwork required when it comes to renewing ACKO car insurance. You can submit all the required documents online to complete the renewal process.
Abide by Laws
According to the Motor Vehicles Act, having at least a third-party car insurance policy is important. So, to avoid paying penalties, you need to renew the car insurance policy before its expiry.
How to File a Car Insurance Claim Online at ACKO in Hyderabad
Listed below are the steps you need to follow to file a car insurance claims with ACKO Hyderabad
Go to the car insurance option on the ACKO app or website
Login with your mobile number
Your car insurance policy will be visible, then click on ‘register claim’
Next, enter the necessary documents like FIR, claim form, etc, and successfully register the claim
Documents Required for Filing a Car Insurance Claim in Hyderabad
Listed below are some of the documents required to file a car insurance claim in Hyderabad:
Driving license of the policyholder
Registration certificate of car
FIR (if required)
Identification proof of the policyholder
Original repair bills in case of reimbursement claim
Premium payment receipt
How to Download Your Car Insurance Policy Copy in Hyderabad
Here is how you can download your car insurance policy in Hyderabad:
Go to the car insurance option on the website
Login with your mobile number
Click on the ‘policy document’ and select ‘download’ option
Then, download the policy document and save it for future reference
How to Choose the Best Four-Wheeler Insurance Policy Online in Hyderabad
Listed below are the factors to consider when buying a four-wheeler insurance policy online in Hyderabad:
Check Your Coverage Requirements:You must be sure of the coverage you need for your vehicle before buying a car insurance policy in Hyderabad. In case you take out your car rarely, you must go for Pay As You Drive coverage and save on car insurance premiums.
Compare All the Plans Available: Before buying a four-wheeler insurance policy, you should compare the options available. This will help you evaluate the best policy for your vehicle based on your budget and requirements.
Select the Right IDV: IDV, or the Insured Declared Value, is the exact market value of your four-wheeler. Hence, declaring the right IDV when buying a car insurance policy is important. The higher the IDV, the higher the premium amount, so selecting the appropriate IDV is very important.
Choose Suitable Add-ons: You can enhance the coverage of a car insurance policy with add-ons. Some of the add-ons available for your policy include No Claim Bonus Protector, Roadside Assistance Cover, Zero Depreciation Cover, etc.
Check the Claim Settlement Ratio: It is very important that you check the claim settlement ratio before settling on to buy any policy. The claim settlement ratio is the ratio between the number of claims raised to the number of claims settled. So, look for an insurer with a higher claim settlement ratio, as this will increase the chances of your claims settling.
24*7 Customer Support: Always choose an insurer that offers a 24*7 customer support. A 24*7 customer support service ensures that all your queries are resolved on time.
Availability of Network Garages: Network garages are tied up with insurance companies and provide the option of a cashless repair facility. Hence, you should choose insurers that have a tie-up with a higher number of network garages.
Frequently Asked Questions (FAQs) about Car Insurance in Hyderabad
The following are some of the common questions raised regarding car insurance in Hyderabad.
What is the cost of car insurance in Hyderabad?
The cost of a car insurance policy in Hyderabad depends on the type of policy you are buying.
What are the different types of car insurance policies available in Hyderabad?
The different types of car insurance you can buy in Hyderabad include Comprehensive Car Insurance, Third-party Car Insurance, and Standalone Own-damage car insurance.
How can I buy the best car insurance policy in Hyderabad?
To buy the best car insurance policy in Hyderabad, you should compare all the policies available and buy it with insurers like ACKO.
What factors must I consider while buying a car insurance policy in Hyderabad?
Some factors you need to consider to buy the best car insurance policy in Hyderabad include claim settlement ratio, inclusions, exclusions, premium amount, type of policy, etc.
Do I need to renew my car insurance plan in Hyderabad?
Yes, you must renew your car insurance policy in Hyderabad before expiry.
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Written by
Nikhila PS
Senior Content Editor
Nikhila is a content creator with 6+ years in EdTech and motor insurance, turning complex policies into clear, engaging content. She enjoys exploring digital trends, social media, and art while planning her next short escape.
Reviewed by
Rekhit Singh Kaushal
Senior Director - Motor Underwriting
Rekhit Singh Kaushal is Senior Director at ACKO, a leading digital motor insurance provider in India. With deep expertise in insurance strategy and innovation, he brings trusted insights on car and bike insurance to help drivers stay protected.
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