Car Insurance in Kerala

Kerala has one of the highest car ownership rates in India, with nearly 63% of households owning at least one car. And due to its strong “car culture”, cities like Kochi, Thiruvananthapuram, and Kozhikode often face heavy traffic. This means drivers can frequently end up in stop-and-go traffic, where even a small lapse in attention can lead to minor collisions, dents and scratches.

That’s why having car insurance in Kerala is more than just a legal formality – it’s a practical necessity. It helps cover repair costs for your car, and compensates others in your place if you accidentally damage their vehicle in an accident.

At IndusInd General Insurance, we offer car insurance plans specifically designed for Kerala car owners. For instance, our plans cover damage due to natural disasters like floods, which are quite common in Kerala.

We also offer a simple claims process where you can file claims on your phone using the IndusInd Insurance app. So, whether you’re driving through Kerala’s busy city streets or scenic hill roads, we ensure you’re covered.

Why Should You Buy Car Insurance in Kerala?

Covers Flood and Landslides

Events like floods and landslides are common in Kerala, especially in Northern districts like Kannur and Kasaragod, due to heavy monsoon rains. Car insurance provides coverage against engine damage.

Covers Accidental Damage

Kerala is a popular tourist destination, so its roads can get even more crowded from December to February, increasing the risk of accidents. But with car insurance, you’re not stuck paying for car repairs

Quick Cashless Claims

We offer cashless claims at 11,000+ network garages* for accidents and natural disasters, keeping your out-of-pocket costs minimal. Filing your claims is also easy with the app’s video claims feature.

24/7 Roadside Assistance

We offer 24/7 roadside assistance for disruptions like flat tyres and fuel delivery. Plus, car breakdowns in heavy rainfall can disrupt your plans and leave you stranded, especially when you’re far from home.

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Stats About Kerala Traffic

With 7.83 lakh new vehicle registrations in 2024-25, Kerala’s total number of registered vehicles in Kerala is now 1.82 crore. The state also saw the highest number of EV vehicle usage in March 2025. These figures, combined with cities like Ernakulam and Thiruvananthapuram having higher rates of road accidents, highlight the need for robust car insurance solutions in Kerala. And that’s where we can help!

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 Kerala.

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 Kerala!

Key Features of Car Insurance in Kerala

Drive safe from Kochi’s traffic to Munnar’s hills – 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*
Digital-First Approach	Seamless buying/renewal via Mobile 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 Kerala

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)

Standalone Own Damage (SAOD) car insurance provides coverage for your vehicle against accidents, theft, fire, and damage caused by natural calamities such as floods, storms, and landslides. This policy can be purchased only if you already have a valid third-party insurance in place. SAOD plans are available for both short-term and long-term durations and can be matched with the tenure of your existing TP policy. For example, a 1-year TP policy can be paired with a 1-year SAOD cover.

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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 Kerala: 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 Kerala , 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 Kerala rides safe!

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IndusInd Car Insurance Add-On Covers In Kerala

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.

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.

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.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Kerala ?

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 Kerala

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

Kerala has one of India’s highest vehicle densities – about 425 vehicles per 1000 people. The state’s diverse terrain and weather conditions also pose unique risks to car owners. This means car owners in Kerala face risks from both traffic accidents and natural disasters.

For instance, Kerala traffic police recorded up to 25,061 road accidents as of June 2025. And crashes causing dents, bumper, and body damage remain the single largest cause of repair bills for most car owners. Plus, with natural disasters like floods, storms and cyclones, you’ll need to watch out for engine damage, along with damage to your car’s windshields and outer body from debris, like rocks or fallen trees. With risks coming from both the roads and the weather, the only way to stay truly prepared is with robust car insurance coverage.

And that’s where we come in – IndusInd car insurance can help cover these damages, ensuring you don’t have to pay hefty repair costs. As a policyholder, you get access to 11,000+ cashless garages* and 24x7 customer support from streamlined claims and quick support. You can also file claims, update policy details and renew your car insurance through your phone using the IndusInd Insurance app.

With IndusInd General Insurance (previously known as Reliance General Insurance), you get to drive confidently, knowing your car and finances are well protected.

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 - Disclaimer

Car insurance starting at just ₹308 per month*!

Drive With Complete Confidence!

Experience streamlined repairs at our extensive network of cashless garages in Kerala. From Thiruvananthapuram to Kasaragod, get your car fixed without upfront payments!

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Voices of Trust

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)

How much is car insurance in Kerala?

Our car insurance plans start from ₹308 per month*. Third-party car insurance rates start at ₹2,094 per year*, based on your car’s engine capacity. These third-party rates are set by the Insurance Regulatory and Development Authority of India (IRDAI) and are uniform across all insurers in Kerala. For comprehensive plans, premiums vary depending on your car’s IDV (market value), make & model, location, and selected add-ons.

Is 3-year insurance mandatory for a new car in Kerala?

Yes. As per the Insurance Regulatory and Development Authority of India mandate, new car owners must purchase 3-year third-party insurance. You can either buy a standalone third-party policy or opt for a 3-year comprehensive plan* that includes both third-party and own damage cover. A comprehensive plan is recommended for broader protection.

What are the essential traffic do’s and don’ts for safe driving in Kerala?

Do: Carry valid insurance documents, use fog lights during monsoons, drive carefully on ghat roads, follow eco-zone rules, and use indicators early. Don’t: Overspeed, ignore parking rules, drink and drive, use high beams unnecessarily, or neglect vehicle maintenance. Safe driving helps maintain lower premiums as frequent claims can increase your risk profile.

How can I reduce my car insurance premiums in Kerala?

You can lower premiums by: • Buying/Renewing Online – Get up to 90% discount* when purchasing online. • Choosing the Right IDV – Higher IDV increases premiums; choose wisely. • Maintaining NCB – Get up to 50%* discount after 5 claim-free years; opt for NCB Retention add-on to file 1 claim without losing NCB. • Installing Anti-Theft Devices – 2.5% discount* for ARAI-approved devices. • Automobile Memberships – 5% discount* for recognised association members. Disclaimer: Discounts may vary based on vehicle age, make, model, and plan options.

Is personal accident cover mandatory for Kerala car insurance?

Yes. A Personal Accident (PA) cover for the owner-driver is mandatory as per IRDAI regulations. It provides compensation of up to ₹15 lakh* in case of accidental death or disability. If you own multiple vehicles, a single standalone PA policy is sufficient.