Car Insurance in Gujarat

In Gujarat’s fast-paced cities and extensive road networks, car insurance is more than a formality it’s a vital layer of protection. With rising traffic, unpredictable road conditions, and the risk of accidents or theft, having a robust insurance plan is essential. IndusInd General Insurance offers thoughtfully designed car insurance policies that cater to the specific needs of drivers across the state.

Whether you're navigating the crowded lanes of Surat or cruising down the highways connecting Rajkot and Ahmedabad, these plans provide comprehensive coverage against damage, theft, and unforeseen events. From quick claim settlements to round-the-clock support, IndusInd ensures that your driving experience remains worry-free. Their customer-first approach and wide network of garages make it easier to get back on the road with minimal hassle. Choosing the right car insurance in Gujarat means driving with confidence, knowing you’re protected every mile of the way.

Why Should You Buy Car Insurance in Gujarat?

Covers Flood and Water Damage

Regions like Kutch and Saurashtra often face sudden heavy rains, leading to waterlogging and engine damage.

Covers Accidental Damage

With increasing traffic in cities like Ahmedabad, Surat, and Vadodara, the chances of road accidents are higher. Car insurance ensures you’re not burdened with repair costs due to collisions or accidents.

Quick Cashless Claims

We offer cashless claims at 11,000+ network garages* across India for accidents and natural disasters. With the IndusInd Insurance app’s video claims feature, filing claims is quick and paperless.

24/7 Roadside Assistance

Whether you're stuck with a flat tire or need emergency fuel on Gujarat’s highways, our 24/7 roadside assistance ensures you're never stranded. Travel confidently knowing help is just a call away.

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Statistics About Gujarat Traffic

With over 1.50 crore registered vehicles and rising traffic in cities like Ahmedabad and Surat, car insurance in Gujarat is essential. It protects against accidental damage, theft, and natural disasters like floods in Kutch and Saurashtra. IndusInd General Insurance offers quick cashless claims at 11,000+ garages* and 24/7 roadside assistance, ensuring drivers stay protected and stress-free across the state’s diverse road conditions.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

At IndusInd General Insurance, we understand the importance of road safety. That’s why we offer comprehensive protection with customisable add-ons and 100% digital policies for car owners in Gujarat.

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 Gujarat!

Key Features of Car Insurance in Gujarat

Our car insurance is designed to complement your needs best. This means four tailor-made policies and a wide range of add-on covers to ensure you're adequately covered.

Key Features	Descriptions
Affordable Premiums	Starting at just ₹308/month*
Coverages Offered	Comprehensive coverage (Third-party+own-damage)
Personal Accident Cover	Up to ₹15 lakhs* optional PA cover
Tailored Add-ons	Over 15 Add-ons with 3 EV-Specific Add-ons*
Digital-First Approach	Seamless buying and renewal via our website or App
Instant Claims	Via video streaming on the App
Quick Surveys	Claim survey within 24 hours of initiation*
Loyalty Rewards	50%* No Claim Bonus + up to 90%* Online Discounts
24/7 Support	24/7 assistance via Phone, WhatsApp and Email

Disclaimer: The values mentioned above are subject to change. Please refer to the official policy documents for detailed information or contact us.

Types of Car Insurance in Gujarat

Comprehensive Car Insurance

Comprehensive car insurance provides complete coverage for your vehicle and protects against damage to others. Simply put, you get own damage coverage and third-party coverage under one plan. This can be great if you own a new car or your family relies on your vehicle every day, as it offers all-around protection. You can also increase coverage through 15+ add-ons* and specialised 3 EV add-ons*.

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Pay-As-You-Drive Insurance (PAYD)

Pay-as-you-drive insurance charges you based on the kilometres you actually drive, ranging from 2,500 to 10,500 km yearly*. E.g., if you rely on the Kochi metro for daily commutes to work and only use your car on weekends, opting for PAYD can be more cost-effective. Our advanced telematics provides accurate kilometre tracking with flexible top-up options so you’re always covered.

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Own-Damage Car Insurance (OD)

If you already have a third-party cover, you can buy our own-damage insurance to cover your car. This plan will cover damage due to accidents, natural disasters, and total loss due to theft or major accidents. For example, if your car’s undercarriage is damaged from driving through Munnar’s rough roads, this plan will cover the repair costs so you don’t have to pay out of pocket.

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Third-Party Car Insurance (TP)

Third-party insurance is mandatory for every car owner in Kerala. It covers damage caused to other people, their vehicles or property by your car. Without it, you can face fines ranging from ₹2,000 to ₹4,000 and face 3 months of imprisonment. That’s why we offer both long (3 years*) and short-term (1 year) plan options for this plan. Plus, this is also our most affordable car insurance plan!

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Inclusions & Exclusions

Car Insurance in Gujarat: 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 Gujarat , 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.

Let’s keep your Gujarat rides safe!

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IndusInd Car Insurance Add-On Covers In Gujarat

Here are some of our most popular add-ons offered under car insurance plans. You can check your policy documents or contact us for customisation options or the exhaustive list.

Nil Depreciation

This add-on removes depreciation deductions from your car insurance claim settlement amount. Meaning it covers full replacement costs for your car's parts without any depreciation cuts. This cover is available for up to 2 claims per policy year.

Pay-As-You-Drive

Pay your car insurance premiums based on actual kilometres driven per year. You can choose your yearly driving limit from 2,500 to 10,500 km, with top-up options available. This add-on is ideal for low-mileage drivers.

Return to Invoice (RTI)

This add-on reimburses the full invoice amount if your car is stolen or completely damaged due to a major accident. The reimbursement amount also includes taxes and registration fees paid during your initial purchase of the car from the dealership.

Engine Protection Cover

It covers engine repair costs from oil leakage, water damage due to flooding and mechanical breakdowns due to engine damage from accidents. Getting this cover protects you against expensive engine-related repairs not covered in standard policies.

Tyre Protection

This add-on covers tyre repairs or replacement costs due to punctures, cuts or road damage from accidents. It also includes coverage for both tube and tubeless tyres -- for all four car tyres. This coverage can be useful if you use your car for daily city commutes or off-roading.

Key & Lock Replacement

Replaces lost or damaged car keys, including smart keys and remote systems. It also covers lockset repairs, lock replacement and key reprogramming costs. This can be a handy cover to protect against theft or burglary and ensures extra protection for your car.

Consumables Cover

Pays for replacing perishable resources like engine oil, nuts, bolts and fluids used during repairs. These additional costs can quickly add up and are usually excluded from standard plans. Hence, this add-on can be a useful addition to your policy to minimise out-of-pocket costs.

Rim Protection

This add-on covers the repair or replacement of damaged wheel rims due to accidents or poor roads. It protects up to 4 rims per policy period. This cover is ideal for frequent driving and can be paired with our tyre protect add-on to provide maximum coverage for your wheels.

24/7 Roadside Assistance

Get 24/7 quick assistance for towing, fuel delivery, battery jumpstart and on-site repair services in case your car ever breaks down and there are no garages nearby to get help from. This coverage is available anywhere in India through a dedicated helpline.

Loss of Personal Belongings

Reimburses stolen or damaged personal items worth over ₹5,000* that were kept in your car. It covers laptops, phones, and bags during car accidents or theft. This cover is useful for people who make frequent intercity commutes and need to store their belongings in their car often.

Daily Allowance

Provides cash allowance for alternative transport when the car is under repair for over 3 days*. The amount depends on policy terms and repair duration. A fantastic add-on if you use your car for daily commutes or frequently need to travel long distances via road.

EMI Protection

Pays car loan EMIs if the vehicle is under repair for 21, 42 or 63 days* at an authorised garage. This add-on is ideal for anyone facing extended repair periods. The coverage period varies by chosen tenure and is also subject to policy terms.

NCB Retention Cover

You can file up to two claims per year* without losing your accumulated No Claim Bonus discount. For example, if you have an NCB discount of 50%, with this cover, you can still make a car insurance claim for repairs without losing your NCB discount.

Electrical Accessories

It protects aftermarket electrical items like upgraded audio systems, air conditioning units and GPS units. It also covers non-standard electrical accessories added to your vehicle. A useful cover to have if you plan on modifying your car in any way.

Non-Electrical Accessories

You're covered for accessories like CNG kits and custom seat covers from damage or theft. Put simply, it protects aftermarket non-electrical modifications to your vehicle. You should also note that standard accessories are already covered in the base policy.

EV Battery Protection

Covers electric vehicle battery damage from accidents, water or electrical issues. It will cover the entire cost of repairing or replacing your electric or hybrid car's battery. This add-on is essential for expensive EV batteries not covered in standard policies.

Electric Vehicle Charger

Covers home charging unit repairs from damage, theft or natural disasters. Includes both fixed units and charging adaptors. This cover is essential for EV owners' charging infrastructure, as replacing these can be very expensive in case they get damaged.

Electric Motor Protect

Protects EV motors against short circuits, coolant leaks and electrical failures. Covers costly motor repairs specific to electric vehicles. A great add-on to have since a base plan doesn't always cover the full cost of repairs for your EV car's electric motor or its components.

Geo Extension Cover

Extends policy coverage to 6 neighbouring countries, including Nepal, Bhutan, Bangladesh and Sri Lanka. This add-on is perfect for international road trips from India and ensures your car remains insured even outside India.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Gujarat ?

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 Gujarat

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.

Disclaimer: For updated information regarding claims, kindly refer to our policy documents or get in touch with our customer helpline.

Key Takeaways

Gujarat is one of India’s fastest-growing states in terms of vehicle ownership, with over 1.50 crore registered vehicles and 6.5 lakh new registrations in 2024–25 alone. With bustling cities like Ahmedabad, Surat, and Rajkot, the state sees a high volume of road traffic, increasing the risk of accidents and vehicle damage.

According to recent data, Gujarat has witnessed a significant number of road accidents, especially in urban areas. Common issues include dents, bumper damage, and windshield cracks leading to frequent repair expenses. Additionally, regions like Kutch and Saurashtra are prone to heavy rains and flooding, which can cause severe engine and body damage due to waterlogging and debris.

That’s where we step in IndusInd Car Insurance offers comprehensive coverage to protect your vehicle from both man-made and natural risks. With access to 11,000+ cashless garages* and 24x7 customer support, we ensure quick claims and hassle-free service. You can also file claims, renew policies, and manage your insurance easily through the app.

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 With Complete Confidence!

Experience streamlined repairs at our extensive network of cashless garages in Gujarat. Get your car fixed without upfront payments!

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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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)

What is the cost of 1 year of car insurance in Gujarat?

The final policy price for your car insurance in Gujarat varies based on multiple factors. It is determined based on: Your car’s model and make. The age of your car. The add-ons you choose. Your policy and driving history. After-market modifications made in the car. Installation of an anti-theft system in the car, etc. Feel free to explore various options to find the most cost-effective policy before locking in on one. If you need sturdy car insurance in Gujarat, our plans start at just ₹238/month*.

What is the cheapest type of car insurance?

Third-party car insurance is the cheapest type of car insurance. It is a legally mandatory insurance plan for every vehicle in India. To make sure the prices are fair, IRDAI lays down a standard price range for this policy, and it must be followed by every insurer. In other words, the cost of third-party car insurance for a specific type of car will be the same across different insurers.

Is it mandatory to get a three-year car insurance policy in Gujarat for my new car?

As per the rules of IRDAI, it is mandatory for you to get a three-year third-party insurance for your car. However, the same rule doesn’t apply for comprehensive or own damage insurance. If you want, you can only get a third-party insurance for legal reasons and opt for a 1-year standalone own damage cover. However, for better discounts and to escape the hassle of policy renewal every year, we recommend getting a 3-year comprehensive insurance plan.