Car Insurance in Chandigarh

Chandigarh has the highest per capita vehicle density in India. The well-planned city is now facing the brunt of the vehicle boom. With daily traffic around areas like Sector 17, Tribune Chowk, and Madhya Marg leading to slow-moving stretches, the chances of minor collisions or bumper damage are possible.

For the residents of Chandigarh, car insurance is not just a legal requirement. It provides essential financial cover in case of accidents or even property damage.

IndusInd General Insurance (formerly Reliance General Insurance) offers car insurance plans tailored for Chandigarh’s drivers. These plans include protection from fire risks, weather damages and more. You also get access to a trusted network of 11,000+ garages. You can also file claims directly through your phone using the app, which makes the process fast and accessible.

Whether it is a routine commute within city sectors or longer drives toward Himachal or Punjab, your vehicle remains protected throughout.

Why Should You Buy Chandigarh Car Insurance?

Protection from Floods and Water Damage

During the monsoon season, areas like Industrial Area Phase 2 and Sector 45 often face severe water accumulation. Overflowing drains can lead to underbody corrosion and engine damage if water enters the vehicle. Car insurance protects you from paying large repair bills when such incidents affect your vehicle’s critical components.

Covers Accidental Risks

Traffic congestion at roundabouts and junctions like Tribune Chowk or ISBT 43 increases the chances of minor accidents during peak hours. With valid car insurance in Chandigarh, you are protected against accidental damage, so you do not have to pay for dent or bumper repairs from your own pocket.

Quick Cashless Repairs

You can access cashless repair services at over 11,000 garages* for accidents and breakdowns. Whether your car is damaged near a busy market or outside the city, you can raise a claim using the IndusInd Insurance app with no paperwork and minimal processing time.

Emergency Roadside Support

Get round-the-clock support for breakdowns involving flat tyres, dead batteries or fuel shortage. If your car stalls late at night in a quiet sector or during heavy rain on a highway, roadside assistance helps you continue your journey safely without long delays or towing hassles.

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Stats About Chandigarh Traffic

Chandigarh has more vehicles than people. The city has also seen a 21% spike in road fatalities in 2024. Additionally, Chandigarh has also recorded 49.3 lakh traffic violations by November 2024. Jumping red lights and dangerous driving lead to 2700 traffic violations in one day in 2024. Now, it takes 15-20 minutes in Chandigarh to cover a distance of merely three kilometres.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

IndusInd General Insurance offers the best car insurance in Chandigarh with affordable premiums starting at ₹308/month. Our digital-first approach makes buying, renewing and claiming easy through the IndusInd Insurance app. We cover Chandigarh's driving problems and monsoon dangers with 11,000+ cashless garages, 48-hour claim approvals and 15+ customised add-ons.

Location Car Insurance

Easy to Buy, Renew & Claim

All possible via our Mobile app

Up to 3 Years Coverage*

Get long term and short term coverage

Video Claims Feature Available

File claims on your phone via our app!

24/7 Customer Support

Get help anywhere in Chandigarh!

Key Features of Car Insurance in Chandigarh

Chandigarh’s traffic is dense, but your coverage does not have to be. Our plans are built to protect drivers, whether they drive daily across sectors or take long weekend drives beyond city limits.

Key Features	Description
Affordable Premiums	Plans start from ₹308 per month* for basic car insurance
Coverages Offered	Both own-damage and third-party protection in a single plan
Personal Accident Cover	Optional personal accident cover up to ₹15 lakhs*
Tailored Add-ons	Over 15 add-ons including electric vehicle-specific options*
Digital-First Approach	Apply, renew, and raise claims through our app or website
Instant Claims	Use your phone camera and file claims in real-time
Quick Surveys	Damage inspections completed within 24 hours after claim initiation*
24/7 Support	Connect with support through multiple channels any time
Loyalty Rewards	Enjoy up to 90%* online discounts and 50%* No Claim Bonus

Disclaimer: Features and pricing may vary based on vehicle type and location. Always review your policy documents.

Types of Car Insurance in Chandigarh

Comprehensive Car Insurance

Get full protection for your own car along with third-party liability when you buy car insurance in Chandigarh. Ideal for daily drivers who commute across the city or take weekend trips outside Chandigarh. Add-ons are available to increase protection for city traffic, weather-related risks and EV usage.

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Pay-As-You-Drive Insurance (PAYD)

Pay premiums based on your actual driving distance tracked through telematics. If you use public transport for work and take out your car only on weekends, this add-on helps reduce your premium. Kilometre ranges begin from 2,500 km per year, with options to top up later.

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Own-Damage Car Insurance (OD)

If you already have third-party cover, this add-on protects your car from fire, theft, accidents and natural disasters. A good option for car owners in sectors with parking risks or heavy rains that can damage the engine or outer body.

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Third-Party Car Insurance (TP)

This is the minimum legal requirement in Chandigarh. It covers any injury or damage caused to others. Choose between one-year and three-year terms depending on your driving frequency and usage. This is our most budget-friendly plan.

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Inclusions & Exclusions

Car Insurance in Chandigarh: Inclusions and Exclusions

Location - Car Insurance

What is Covered?

Accidents - Covers repair costs when your vehicle gets damaged in road accidents or collisions.

Fire Damage - Covers car repair expenses for fire, explosion or lightning damage.

Natural Disasters - Covers car damage from floods, storms, earthquakes, etc.

Third-Party Claims - Covers damage or injury you cause to others or their property.

Transit Damage - Covers damage while transporting your car by road, rail or air.

Theft Protection - Financial protection against car theft or break-in damage.

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What is Not Covered?

Regular Wear and Tear - You’re covered for repair bills, but coverage of wear & tear of parts is excluded.

Engine Breakdown - Engine-specific failures not associated with accidents will require add-on coverage.

Illegal Activities - We cover all accidents in Chandigarh , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Need help with car insurance in Chandigarh?

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IndusInd Car Insurance Add-On Covers in Chandigarh

Car owners in Chandigarh often face varied driving conditions, from smooth sector roads to highways leading into Punjab and Himachal. Add-on covers give you flexibility to prepare for unexpected costs that standard plans may not cover. Here are some of the most useful add-ons that you can include in your policy.

Nil Depreciation

This cover ensures no depreciation is deducted during claims, so you receive the full replacement cost for repaired parts. It is available for a limited number of claims per policy year and works best for newer cars.

Pay-As-You-Drive

Premiums are calculated based on the number of kilometres driven annually. The kilometer limit is from 2,500 to 10,500. It suits people who mostly rely on Chandigarh’s public transport and take out their cars only on weekends.

Return to Invoice (RTI)

Reimburses the full invoice value if your car is stolen or completely damaged. It also includes the original road tax and registration fees that you paid during purchase.

Engine Protection Cover

Safeguards against oil leakage, flooding near low-lying areas, or mechanical failures caused by accidents. This cover is useful since engine repairs are usually expensive and excluded from base policies.

Tyre Protection

Covers punctures, cuts, or damages from poor road conditions. It applies to tube as well as tubeless tyres and is ideal for cars driven daily on Chandigarh–Mohali stretches.

Key and Lock Replacement

Covers the cost of replacing stolen or damaged car keys, including remote systems and smart keys. It also includes reprogramming and lock repair. This cover is helpful if you often park in busy areas where the risk of key damage or theft is higher than usual.

Consumables Cover

Pays for minor parts like engine oil, along with nuts, bolts and brake fluids during repairs. These costs are not included in regular policies, and they can increase your expenses after an accident or workshop visit. This add-on helps reduce such out-of-pocket payments.

Rim Protection

Covers the repair or replacement of wheel rims damaged in accidents or by potholes. This add-on is highly practical for people driving long distances across state borders.

24/7 Roadside Assistance

Helps with towing, battery jumpstart, or emergency fuel supply. The service is available through a helpline whenever your car breaks down far from city centres.

Loss of Personal Belongings

Reimburses the cost of damaged or stolen personal items kept in your car, such as laptops or phones. This is suitable for professionals who carry valuables during frequent intercity travel.

Daily Allowance

Provides a cash allowance for alternate transport if your car is under repair for more than three days*. The amount depends on the chosen plan.

EMI Protection

Covers car loan EMIs when the vehicle stays in an authorised garage for extended repairs. Coverage length varies based on policy tenure.

NCB Retention Cover

Let's you keep your No Claim Bonus discount even if you make limited claims in one year. It ensures long-term savings on premiums.

Electrical Accessories

Covers aftermarket items like speakers, GPS systems, or upgraded air conditioning. This is important if you plan modifications to your vehicle.

Non-Electrical Accessories

Covers non-electrical additions like CNG kits or customised seat covers that are not part of the original factory-fitted car components. This add-on is only required for extra fittings installed separately by the owner.

EV Battery Protection

Covers the cost of repairing or replacing electric vehicle batteries that are damaged by flooding accidents or power failures. Chandigarh is steadily moving toward electric mobility and this add-on helps cover battery-related expenses that are usually not included in standard plans.

Electric Vehicle Charger

Protects home-based or portable EV chargers from damage or theft during power surges, physical impact or natural disasters. Useful for EV owners who rely on private charging points installed at home or carried in their car.

Electric Motor Protect

Covers repair costs linked to failures in your electric vehicle’s motor, including short circuits, electrical issues and coolant leakage. This add-on ensures your electric vehicle remains protected during technical breakdowns.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Chandigarh ?

Location - Car Insurance

Buy Online

Enter car details and mobile no. You can use our calculator to check SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and OTP. Next, select your policy type and the car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and finish the CKYC with your PAN details to receive your car policy.

Location - Car Insurance

Renew Online

Select ‘Renewal’ and begin your car insurance renewal instantly.

Enter your policy number or vehicle registration number.

Check and update the address or other information if required.

Pick new add-ons if you want additional coverage options.

Make payment online and get your policy renewed right away.

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How to File?

How to File a Claim in Chandigarh

How to File?

Step 1

Report the accident or damage through the app immediately after the incident.

Step 2

A surveyor is automatically assigned based on your location to inspect the damage at the network garage or accident site. To check the list of our cashless network garages near you instantly, use the widget below.

Step 3

You can also use the app to conduct an online survey with photos and a live video call with the surveyor.

Step 4

Submit documents such as insurance policy, RC book, driving license, FIR and repair estimates.

Step 5

Get the vehicle repaired at a network garage and then we will settle the bills directly with the garage.

Step 1

Call customer service at 022-48903009 to inform us about the accident or damage to the vehicle.

Step 2

The network team contacts you within 24 hours and allocates a surveyor for damage assessment.

Step 3

The surveyor visits the location to inspect the damage, take photographs and prepare a detailed inspection report.

Step 4

Submit the insurance policy, RC book, driving license, FIR and paid repair estimates for verification.

Step 5

Pay the garage bills first, then submit the paid invoices to us for reimbursement.

Key Takeaways

Chandigarh has one of the highest vehicle ownership rates among India’s planned cities. Due to this, many commuters travelling to nearby towns or in the city itself can face minor collisions.

Urban congestion and traffic at key junctions such as Tribune Chowk or ISBT-43 often lead to bumper and body damage. In addition to road risks, monsoon flooding in areas like Industrial Area Phase 2 and Sector 45 creates further chances of engine damage and underbody corrosion.

From dents caused by tight parking spaces in local markets to damage from water-logged streets during the rainy season, owning a car in Chandigarh comes with specific risks that need reliable coverage.

That is where IndusInd car insurance (formerly Reliance Car Insurance) provides real value. You get access to over 11,000 cashless garages* along with 24x7 customer service. Policyholders can file claims directly through the app, track status, and renew policies on the go. With us, your vehicle stays protected across every sector and bypass, no matter where you drive.

Author - Location Car Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Car insurance starting at just ₹308 per month*!

Drive Without Worry. Stay Protected on Every Road.

Access smooth repair services through our wide network of cashless garages across Chandigarh. From Sector 1 to Industrial Area Phase 2, get your car serviced without paying anything up front.

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Stories shared by our happy customers!

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

Which areas in Chandigarh are covered under your cashless garage network?

Our network covers locations across Chandigarh, including Sector 22, Industrial Area Phase 1 and 2, Manimajra, and nearby Zirakpur. You can check the exact list of network garages in your area through the IndusInd Insurance App or our website. Repairs at these garages are cashless, with bills settled directly by us.

Can I transfer my car insurance from another provider to IndusInd in Chandigarh?

Yes. You can switch your car insurance from your existing provider to IndusInd General Insurance without losing your No Claim Bonus. The transfer process requires your previous policy documents and a car inspection in some cases. Our team will guide you through the process and help retain your NCB benefits.

Does IndusInd car insurance cover electric vehicles in Chandigarh?

Yes. We offer dedicated electric vehicle add-ons such as battery protection, EV motor repair, and charger unit cover. These are available with both comprehensive and PAYD plans. If you own an EV in Chandigarh, these covers offer better financial protection from unique repair costs that standard plans do not include.

Can I renew my expired policy if I missed the due date?

Yes. You can renew your expired IndusInd car insurance policy, but it may require a vehicle inspection before reactivation. If you delay renewal, you may also lose your No Claim Bonus. We recommend using the IndusInd Insurance App or visiting our website to check eligibility and initiate renewal at the earliest.

Is car insurance mandatory in Chandigarh?

Yes. It is mandatory for all vehicle owners in Chandigarh to have valid third-party car insurance. Driving without it can lead to fines or penalties under the Motor Vehicles Act. A comprehensive policy is not required by law, but offers better protection for your car and finances in case of accidents or theft.

What documents do I need to file a car insurance claim in Chandigarh?

You need your insurance policy number, RC book, driving licence, FIR (if applicable), and a repair estimate or final invoice. These documents help us verify your claim and process the settlement quickly. You can upload them using the IndusInd Insurance App or share them with our claims team directly.

What is the benefit of buying add-ons with my policy?

Add-ons allow you to enhance your standard coverage by adding protection for your engine, tyres, electrical accessories, and more. They help reduce out-of-pocket expenses after accidents or damages. You can choose specific add-ons that suit your driving habits and car usage in Chandigarh or nearby highways.

How does the claim process work if I meet with an accident near Panchkula?

If the accident occurs near Panchkula or outside Chandigarh, you can still file a claim using the IndusInd Insurance App. Our team will assign a surveyor based on your exact location. If the vehicle is towed to a listed network garage, the repairs will be cashless. Otherwise, you can opt for reimbursement.

Can I insure my car for travel outside India?

Yes. With our Geo Extension add-on, you can extend your car insurance coverage to countries such as Nepal, Bhutan, and Bangladesh. This cover is ideal if you plan a cross-border road trip starting from Chandigarh. Standard policies only apply within India, so you must choose this add-on for international trips.