Car Insurance in Gurgaon

Gurgaon sees a large number of new vehicles on the road every year because of growing offices, along with rising residential spaces. High-traffic areas like Cyber City, Golf Course Road and IFFCO Chowk often lead to slow-moving lanes where small scrapes and denting accidents are fairly common.

Haryana has recorded 9,759 accidents in the year 2024 alone. For people driving in the city, insurance offers a layer of support when things go wrong. It helps pay for repairs if your car hits another vehicle or suffers damage while parked. A good policy can also help cover costs from accidents during longer trips on the expressway.

IndusInd General Insurance (formerly known as Reliance General Insurance) provides car insurance in Gurgaon that works well for the city's road and traffic woes. Whether you drive across Sector 29 or take weekend trips toward Manesar or Delhi, your car stays covered under the plan. You can now easily file claims through the app and can report damage without waiting in long queues.

Why Should You Buy Gurgaon Car Insurance?

Protection from Waterlogging and Floods

Monsoon season in Gurgaon often leads to water accumulation in low-lying areas like Sector 14 and Old DLF Colony. When water enters your vehicle, it can damage key parts like the engine and the electrical wiring. Car insurance helps cover the cost of such repairs, so you do not have to manage it on your own.

Covers Accidental Damages

Busy zones like MG Road, along with HUDA City Centre, often see frequent bumper-to-bumper traffic during peak hours. A small distraction or poor visibility can lead to dents or scrapes that cost thousands to fix. With valid insurance, you stay covered against sudden damage from minor on-road accidents.

Fast Cashless Claims

With over 11,000 cashless garages* available nationwide, your car can get repaired without heavy delays or long billing disputes. Whether your vehicle breaks down in Sector 56 or near Sohna Road, claims can be raised instantly using the app with almost no paperwork involved.

24/7 Roadside Assistance

If your car breaks down at night in an isolated spot or runs out of fuel during a weekend trip, roadside assistance reaches you fast. You get help for flat tyres along with battery issues or towing needs, so you can get back on the road without added stress.

Para

Stats About Gurgaon Traffic

Gurugram sees one of the highest traffic violations in the country. In 2024, the Gurugram traffic police issued over 2.7 million challans. The Delhi-Gurgaon Expressway remains one of the most dangerous highways in the region due to high speeds and poor lane discipline.

According to the traffic department, around 44% of road accidents in Gurgaon were reported on NH-8. This highway connects Jaipur via Gurgaon.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

IndusInd General Insurance offers the best car insurance in Gurgaon with affordable premiums starting at ₹308/month. Our digital-first approach makes buying, renewing and claiming easy through the IndusInd Insurance app. We cover Gurgaon'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 Gurgaon!

Key Features of Car Insurance in Gurgaon

Gurgaon’s traffic can change within minutes, and your car insurance should match that pace. Our plans are designed to support everyday city driving, along with weekend trips across highways or borders.

Key Features	Description
Affordable Premiums	Plans start at ₹308 per month* for base-level protection
Coverages Offered	Single plan covers own-damage along with third-party liability
Personal Accident Cover	Optional cover available up to ₹15 lakhs* for the car owner-driver
Tailored Add-ons	Choose from 15+ add-ons, including options for EVs and engine protection
Digital-First Approach	Apply, renew and claim online through the app or website
Instant Claims	Use your mobile camera to report and submit real-time damage claims
Quick Surveys	Damage review is usually completed within 24 hours of raising a claim*
24/7 Support	Support team available through multiple channels all day, every day
Loyalty Rewards	Up to 90%* discount for online users and 50%* No Claim Bonus benefits

Disclaimer: Prices and features may differ based on your vehicle, location, and policy type. Please review the policy documents carefully before making a purchase.

Types of Car Insurance in Gurgaon

Comprehensive Car Insurance

This is the most complete car insurance in Gurgaon and covers both your car and damage to others. Whether your car gets damaged in an accident on Golf Course Road, is affected by heavy rains during the monsoon, gets stolen, or catches fire, you're covered. It also pays if you injure someone or damage their property. Includes personal accident cover up to ₹15 lakhs plus 15+ add-ons like Zero Depreciation. Best for complete protection on Gurgaon's busy roads and expressways.

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Pay-As-You-Drive Insurance (PAYD)

You pay premiums based on how many kilometres you actually drive, tracked by telematics. If your car is mostly parked on weekdays and used only for errands or weekend plans, this add-on helps lower your yearly car insurance premium in Gurgaon. Plans begin from 2,500 km up to 10,500 km per year and allow upgrades as needed.

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Own-Damage Car Insurance (OD)

Standalone Own Damage (SAOD) car insurance protects your car against accidental damage, theft, fire, and natural disasters, including floods, storms, or landslides. It is available to buy only if you already have a valid third-party insurance plan. We offer both short-term and long-term policy options in co-terminus with your existing third-party (TP) policy. This means if you already have a 1-year third-party plan, you can get a 1-year SAOD policy to pair with your existing TP policy.

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Third-Party Car Insurance (TP)

This is the basic legal cover needed to drive in Gurgaon. It pays for injury or property damage caused to someone else in an accident. You can choose between one-year and three-year terms depending on how frequently you drive. This is the most affordable plan we offer.

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Inclusions & Exclusions

Car Insurance in Gurgaon: 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.

Location - Car Insurance

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 Gurgaon , 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.

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IndusInd Car Insurance Add-On Covers in Gurgaon

Driving in Gurgaon means dealing with sharp turns, unpredictable traffic and long expressway drives. Add-on covers help you prepare for these day-to-day challenges by offering extra protection where your base plan may fall short. Here are some of the most relevant add-ons for car owners in Gurgaon.

Nil Depreciation

This add-on ensures that no depreciation is deducted when car owners claim replacement for parts. This is useful for newer cars driven across fast-moving roads like NH-48, where minor accidents can damage bumpers or panels.

Pay-As-You-Drive

Your premium is calculated based on how much you actually drive in a year. The limit is from 2,500 km to 10,000 km per year. Ideal for people who use cabs or the Metro on weekdays and bring out their car only on weekends.

Return to Invoice (RTI)

If your car is stolen or declared a total loss, this add-on reimburses the full invoice value, including road tax and registration. It is helpful if you own a new vehicle and park in busy zones like Cyber Hub or Sector 29.

Engine Protection Cover

Engine repairs are costly and usually not covered by default plans. This add-on protects against oil leakage, hydrostatic lock or damage due to waterlogging in underpasses or low-lying areas.

Tyre Protection

Covers the repair and replacement of tyres caused by potholes, sharp turns or broken roads in places. It applies to both tubeless and tube-type tyres.

Key and Lock Replacement

Pays for replacement of lost or damaged car keys, including electronic or remote keys. Useful if you park in crowded markets or rely on valet services at malls or restaurants.

Consumables Cover

Covers items like engine oil, screws, filters and brake fluid during repairs. These smaller costs add up during workshop visits and are not included in standard insurance coverage.

Rim Protection

Covers damage to wheel rims from rough patches or accidental curb hits. This is ideal for people who drive daily on long stretches like the Golf Course Extension Road.

24/7 Roadside Assistance

Get help for battery failure, an empty fuel tank or breakdowns late at night. This add-on gives peace of mind when driving alone or across expressways with limited local support.

Loss of Personal Belongings

Covers personal items stolen or damaged inside the car, such as bags, laptops or phones. Practical for professionals who keep work equipment inside the vehicle during travel.

Daily Allowance

Gives a fixed amount per day to cover transport costs if your car is in repair for more than three days*. This helps you manage travel without rushing for rentals.

EMI Protection

It covers your car loan instalments if your vehicle is in the garage for extended periods. The cover period depends on your chosen plan and policy term.

NCB Retention Cover

Keeps your No Claim Bonus intact even after filing up to 2 claims per year*. It helps lower your premium during renewals and protects long-term discounts.

Electric Vehicle Charger

Covers wall-mounted or portable EV chargers used at home or on the go. This add-on helps if your charger gets damaged during storms or suffers power surge issues.

Electric Motor Protect

Provides cover for damage to electric vehicle motors from electrical faults or coolant leakage. This is especially useful for people relying fully on EVs for long-distance travel.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Gurgaon ?

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.

Homepage Curated Plans Client Extension

How to File?

How to File a Claim in Gurgaon

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

Gurgaon’s daily traffic includes a mix of office rush, highway commuters and erratic road conditions. With over 9,759 accidents in the year 2024 alone, driving in Gurgaon is not easy.

Bottlenecks at junctions such as IFFCO Chowk and Rajiv Chowk often cause slowdowns that increase the risk of minor collisions. Seasonal waterlogging in low-lying areas also leads to engine and underbody damage during monsoon months.

That is where IndusInd Car Insurance (formerly Reliance General Insurance) makes a difference. With online car insurance in Gurgaon, you get access to over 11,000 cashless garages* and can file or track claims directly through the app. Our plans are built to match your driving routine and help you stay covered without long wait times. With us, your car stays protected from the daily wear of city driving and the long trips taken across state borders.

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.

IndusInd General Insurance

Get tailored protection with us!

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

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Voices of Trust

Stories shared by our happy customers!

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Asset Publisher

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.