Car Insurance in Indore

Indore, recognized as the commercial powerhouse of Madhya Pradesh, boasts a fast-evolving urban environment where vehicle ownership is both a necessity and a responsibility. With increasing traffic and expanding city limits, ensuring your car is adequately protected is more important than ever. At IndusInd General Insurance, we go beyond the basics—offering car insurance that’s not just about meeting legal obligations, but about providing peace of mind and financial security for your prized vehicle.

Our diverse portfolio of car insurance plans is thoughtfully designed to cater to the unique needs of Indore’s residents. Whether you're maneuvering through the bustling lanes of MG Road, driving across Rajwada, or commuting to the city's growing outskirts, our coverage options offer robust protection against accidents, theft, natural calamities, and more. With IndusInd, you get reliable support, quick claim settlements, and customizable plans that align with your lifestyle and driving habits.

Why Should You Buy Car Insurance in Indore?

Protection Against Urban Risks

Indore’s rapid growth and rising vehicle density increase the chances of road mishaps. From minor collisions in Vijay Nagar to major accidents on Ring Road, car insurance shields you from repair costs and liabilities.

Coverage for Weather-Related Damage

Intense heat and seasonal rains can cause waterlogging and engine damage. Comprehensive car insurance covers weather-related repairs, safeguarding your vehicle from unpredictable conditions.

Hassle-Free Cashless Claims

Enjoy cashless claim services at 11,000+ network garages across India. With digital tools like the app, filing claims is quick and paperless—so you get back on the road faster.

24/7 Roadside Assistance

From flat tires near Rajwada to battery issues in the outskirts, our round-the-clock roadside support ensures help is always just a call away.

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Stats About Indore Traffic

Indore’s vehicle count has crossed 2 crore, with over 9 lakh new registrations in 2024–25. Rising traffic and growing EV usage increase the risk of accidents, especially in busy areas like Vijay Nagar and Ring Road. Comprehensive car insurance offers protection against damage, weather-related issues, and roadside emergencies—making it essential for every Indore driver.

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 Indore.

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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 Indore!

Key Features of Car Insurance in Indore

Drive safe from Indore’s bustling streets to the serene outskirts – our car insurance is crafted to suit your needs. Choose from four tailor-made policies and a wide range of add-on covers for complete protection.

Key Features	Description
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 Indore

Comprehensive Car Insurance

Comprehensive car insurance offers complete protection for your vehicle against damage and third-party liability under one plan. Perfect for new cars or families who use their car daily, as it provides all-around coverage. You can also enhance protection with 15 add-ons and specialized EV options.

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Pay-As-You-Drive Insurance (PAYD)

Pay-as-you-drive lets you pay based on the kilometers you actually drive, ranging from 2,500 to 10,500 km yearly. Ideal for those who use their car occasionally or for weekend trips. Advanced telematics ensure accurate tracking and flexible top-up options so you’re always covered.

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Own-Damage Car Insurance (OD)

If you already have third-party cover, you can buy own-damage insurance to protect your car. This plan covers damage from accidents, natural disasters, and total loss due to theft. For example, if your car’s undercarriage is damaged on Indore’s rough roads, this plan pays for repairs so you don’t have to.

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Third-Party Car Insurance (TP)

Third-party insurance is mandatory for every car owner in Indore. It covers damage caused to other people, their vehicles, or property by your car. Without it, you face fines from ₹2,000 to ₹24,000 and up to 3 months of imprisonment. Choose from long-term (3 years) or short-term (1 year) plans for complete compliance.

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Inclusions & Exclusions

Car Insurance in Indore: Inclusions and Exclusions

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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 Indore , 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 Indore rides safe!

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IndusInd Car Insurance Add-On Covers In Indore

Explore some of the most popular add-on covers available with our car insurance plans. Check your policy documents or contact us for customization options.

Nil Depreciation

Get full claim without deduction for depreciation on car parts. This add-on ensures you receive the entire cost of replaced parts during repairs. Perfect for new cars or comprehensive plans. Drive stress-free knowing your expenses are covered.

Pay-As-You-Drive

Pay premium based on the kilometers you drive. Ideal for those who use their car occasionally and want to save on costs. Flexible and budget-friendly coverage for low-mileage drivers. Enjoy insurance that matches your lifestyle.

Return to Invoice (RTI)

In case of total loss or theft, get the original invoice value of your car. This add-on covers the gap between IDV and purchase price. It also includes registration and road tax costs. A smart choice for new car owners.

Engine Protection Cover

Protect your engine from damage due to water ingression or oil leakage. This add-on covers costly repairs that standard policies don’t. Essential for areas prone to flooding or heavy rains. Keep your car’s heart safe and sound.

Tyre Protection

Covers repair or replacement of damaged tyres and tubes. Ideal for cars driven on rough roads or highways. Prevent unexpected expenses from punctures or bursts. Drive confidently without worrying about tyre damage.

Key & Lock Replacement

Lost or stolen keys? This add-on covers the cost of replacing keys and locks. Avoid the hassle and expense of security breaches. Quick and convenient solution for emergencies. Stay secure and worry-free.

Consumables Cover

Get coverage for small but essential items like nuts, bolts, and lubricants during repairs. These costs are usually excluded in standard policies. This add-on ensures complete protection for your car. No hidden expenses during claims.

Rim Protection

Protect alloy wheels from accidental damage. Covers repair or replacement costs for rims. Ideal for premium cars with expensive wheels. Keep your car stylish and safe without extra burden.

24/7 Roadside Assistance

Get help anytime, anywhere for breakdowns or emergencies. Services include towing, fuel delivery, and minor repairs. Perfect for long drives or unexpected situations. Drive with confidence knowing help is just a call away.

Loss of Personal Belongings

Covers theft or loss of personal items from your car. Includes gadgets, bags, and other valuables. A practical add-on for city drivers and travelers. Stay protected against unforeseen losses.

Daily Allowance

Receive a daily cash allowance when your car is in the garage for repairs. Helps cover travel expenses during downtime. Ideal for those who rely on their car daily. Keep your routine uninterrupted.

EMI Protection

Covers your car loan EMIs if your vehicle is stolen or totaled. Prevents financial stress during tough times. A must-have for financed cars. Stay worry-free about your monthly commitments.

NCB Retention Cover

Retain your No Claim Bonus even after making a claim. This add-on helps you save on future premiums. Ideal for maintaining long-term benefits. Drive confidently without losing rewards.

Electrical Accessories

Covers damage to electrical accessories like music systems or navigation units. Perfect for cars with high-end gadgets. Protect your investments from unexpected mishaps. Enjoy uninterrupted comfort and entertainment.

Non-Electrical Accessories

Provides coverage for non-electrical accessories such as seat covers and alloy wheels. Ideal for those who have customized interiors. Keep your car’s look and feel protected. Drive with style and confidence.

Voluntary Protection

Choose a voluntary deductible to lower your premium. This add-on gives flexibility to manage costs. Ideal for safe drivers who rarely claim. Save more while staying insured.

Electric Vehicle Charger

Covers repair or replacement of your EV charger in case of damage. Essential for electric car owners. Ensures smooth charging without extra costs. Drive green with complete peace of mind.

Brake Motor Protect

Protects your car’s braking system from accidental damage. Covers repair or replacement costs for critical components. Ideal for safety-conscious drivers. Keep your car’s performance at its best.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Indore ?

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 Indore

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

Indore has seen a sharp rise in vehicle ownership, contributing to high traffic density across the city. With busy roads, unpredictable weather, and expanding urban zones, car owners face risks from both accidents and environmental factors.

In 2025, Indore recorded thousands of road accidents, with dents, bumper damage, and body repairs being the most common claims. Seasonal rains also bring risks like waterlogging, engine damage, and debris-related windshield cracks. These challenges make comprehensive car insurance not just a choice—but a necessity.

That’s where IndusInd Car Insurance steps in. Our plans cover accident-related damage, natural disasters, and theft. You also get access to 11,000+ cashless garages, 24x7 customer support, and easy claim filing through the app—all designed to keep you protected and stress-free.

With IndusInd General Insurance (formerly Reliance General Insurance), you can drive confidently knowing your car and finances are in safe hands.

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!

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 makes for a good car insurance plan in Indore?

A good car insurance plan in Indore must provide comprehensive coverage (third party + own damage) to cover you from uncertainties like accidents, thefts, break-ins, and damage caused to a third person or their property by your car. Look for plans with affordable premiums, zero depreciation, 24/7 roadside assistance, a wide network of cashless garages and a high ratio of quick claim settlements.

Can I get insurance for a second-hand car in Indore?

Yes, you can definitely get insurance for your second-hand car in Indore. You can start the process by scheduling an inspection with our experts. Once the inspection is conducted, you will be required to submit your RC transfer documents, forms 29/30 and the previous insurance papers of the car. You can initiate the entire process through our website for instant second-hand car insurance in Indore.

Is car insurance mandatory for old vehicles in Indore?

As per the Motor Vehicles Act of 1988, car insurance is mandatory for all vehicles irrespective of their age. If your insurance plan is about to expire, make sure to renew it in time to avoid legal charges for driving an uninsured vehicle. Even if you do not want comprehensive coverage, a third party insurance is a legal requirement.

What should I check before buying car insurance in Indore?

Look for the insurance provider’s claim settlement ratio, network of cashless garages, and add-on benefits like tyre protection, nil depreciation, etc. Don’t forget to compare premium costs online and check customer reviews.