Car Insurance in Ludhiana

Ludhiana, the largest city in Punjab, is known for its bustling roads and growing number of vehicles. With increasing traffic density and frequent road mishaps, having car insurance is not just a legal formality—it’s a smart and necessary choice for every vehicle owner. The city’s fast-paced lifestyle and congested streets make accidents more likely, highlighting the need for financial protection.

IndusInd General Insurance provides car insurance plans that are specifically designed to meet the needs of Ludhiana’s drivers. These policies offer coverage against accidents, theft, natural calamities, and third-party liabilities. Whether you’re commuting daily or driving occasionally, their tailored solutions ensure peace of mind and financial security. Choosing the right insurance helps you stay protected from unexpected events while complying with motor insurance regulations.

Why Should You Buy Car Insurance in Ludhiana?

Covers Accidental Damage

With Ludhiana’s busy roads, especially around industrial zones and commercial areas like Ferozepur Road and Model Town, the risk of accidents is higher. Our car insurance ensures you're not burdened with repair costs due to collisions or mishaps.

Protection Against Weather-Related Damage

Ludhiana experiences intense monsoon spells that can lead to waterlogging and engine damage. Our plans cover such incidents, including damage from water entering your car’s engine or electrical systems.

Quick Cashless Claims

Enjoy hassle-free repairs with 11,000+ network garages across India, including Ludhiana. Use our app to file video claims with minimal paperwork and get your car back on the road quickly.

24/7 Roadside Assistance

Whether you're stuck near Sarabha Nagar or on the Ludhiana-Chandigarh highway, our 24/7 roadside assistance covers flat tires, fuel delivery, towing, and more—so you're never left stranded.

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Stats About Ludhiana Traffic

With a sharp rise in vehicle registrations in recent years, Ludhiana’s roads are busier than ever. The city’s growing number of cars and increasing adoption of electric vehicles (EVs) reflect a dynamic shift in mobility. However, this also brings a higher risk of road accidents, especially in high-traffic zones like Ferozepur Road and Industrial Area-A.

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

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

Key Features of Car Insurance in Ludhiana

Drive worry-free through Ludhiana’s bustling streets and highways – our car insurance is crafted to suit your needs. Enjoy tailor-made plans and a wide range of add-ons for complete protection.

Key Features	Description
Affordable Premiums	Starting at just ₹308/month*
Coverage Options	Comprehensive protection (Third-party + Own damage)
Personal Accident Cover	Up to ₹15 lakhs* optional PA cover
Custom Add-ons	Choose from 15+ add-ons, including EV-specific options
Digital Convenience	Easy purchase and renewal via website or App
Instant Claims	Video-based claim initiation on the App
Quick Surveys	Claim survey within 24 hours of request*
Loyalty Benefits	Up to 50% No Claim Bonus + 90% online discounts
24/7 Assistance	Support via Phone, WhatsApp, and Email

Disclaimer: Features and benefits are subject to change. Please refer to official policy documents for details or contact us.

Types of Car Insurance in Ludhiana

Comprehensive Car Insurance

This plan offers complete protection for your car and covers third-party liabilities. Ideal for new car owners or families who depend on their vehicle daily. You can enhance your coverage with 15+ optional add-ons and special EV-specific add-ons for electric vehicles.

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Pay-As-You-Drive Insurance (PAYD)

Perfect for those who drive occasionally. PAYD charges you based on how much you drive—between 2,500 to 15,000 km per year. If you use public transport for daily travel and drive mostly on weekends, this plan helps you save while staying protected. Flexible top-up options ensure you're always covered.

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Own-Damage Car Insurance (OD)

Already have third-party insurance? Add OD coverage to protect your car from accidents, theft, and natural disasters. Whether it's damage from potholes near Industrial Area-A or a breakdown on GT Road, this plan ensures you don’t pay repair costs out of pocket.

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Third-Party Car Insurance (TP)

Mandatory for all car owners in Ludhiana. This policy covers damage caused to other people, their vehicles, or property due to your car. It’s a legal requirement and a basic layer of protection for every driver.

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Inclusions & Exclusions

Car Insurance in Ludhiana: 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 Ludhiana , 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 Ludhiana

Enhance your car insurance policy with these valuable add-ons designed for Ludhiana’s driving conditions:

Nil Depreciation

This cover ensures you get the full claim amount without any deduction for depreciation on car parts. It’s especially useful for new cars where parts lose value quickly. With this, you pay less out of pocket during repairs.

Pay-As-You-Drive

This option lets you pay insurance based on how much you actually drive. If you use your car less, you save more on premiums. It’s a smart choice for people who drive occasionally.

Return to Invoice (RTI)

In case of total loss or theft, this cover reimburses the original invoice value of your car. It includes registration and road tax, giving you complete peace of mind. Ideal for new car owners who want maximum protection.

Engine Protection Cover

This add-on covers repair costs for engine damage caused by water ingress or oil leakage. It’s a must-have during monsoons or in flood-prone areas. Protect your engine from expensive repairs.

Tyre Protection

Covers the cost of repairing or replacing damaged tyres and tubes due to accidents. It saves you from unexpected expenses when tyres burst or get cut. Perfect for those driving on rough roads.

Key & Lock Replacement

If you lose your car keys or they get stolen, this cover pays for replacement. It also covers lock replacement if needed for security. A small add-on that saves big hassles.

Consumables Cover

This covers small items like nuts, bolts, engine oil, and lubricants during repairs. Normally, these aren’t included in standard policies. With this, you avoid paying extra for minor parts.

Rim Protection

Protects alloy wheels from accidental damage or scratches. Repairs or replacements can be costly, and this cover takes care of that. Ideal for cars with premium rims.

24/7 Roadside Assistance

Get help anytime for breakdowns, towing, fuel delivery, or flat tyres. This service ensures you’re never stranded on the road. A must-have for long-distance travelers.

Loss of Personal Belongings

Covers theft or damage of personal items kept inside your car. From gadgets to bags, you get compensation for losses. Great for those who carry valuables while traveling.

Daily Allowance

Provides a fixed daily amount for commuting when your car is in the garage for repairs. Helps you manage travel expenses without stress. Perfect for people who rely on their car daily.

Legal Protection

Covers legal expenses arising from accidents or disputes related to your car. It ensures you have financial support for legal matters. A smart choice for complete protection.

NCB Retention Cover

Keeps your No Claim Bonus intact even after a claim. This helps you save on future premiums. Ideal for maintaining long-term cost benefits.

Electrical Accessories

Covers damage to electrical accessories like music systems or navigation devices. Repairs or replacements can be expensive, and this add-on takes care of it. Perfect for tech-savvy car owners.

Non-Electrical Accessories

Protects non-electrical fittings like seat covers, alloy wheels, and other custom parts. Ensures your car’s style upgrades are covered. Great for those who personalize their cars.

EV Battery Protection

Specially designed for electric vehicles, this covers battery damage or replacement costs. Batteries are expensive, and this add-on saves you from big bills. Essential for EV owners.

Electric Vehicle Charger

Covers damage or theft of your EV charging equipment. It ensures you can charge your car without worry. A must-have for electric car users.

Electric Motor Protect

Protects the electric motor from damage due to accidents or water ingress. Repairs can be costly, and this cover provides financial relief. Perfect for EV owners in all weather conditions.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Ludhiana ?

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 Ludhiana

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 for Car Insurance in Ludhiana

Ludhiana has one of Punjab’s highest vehicle densities, with thousands of new registrations each year. The city’s mix of industrial zones, busy roads, and unpredictable weather makes car insurance a must for every vehicle owner.

From minor dents and bumper damage due to traffic congestion to risks from seasonal rains and storms, Ludhiana drivers face challenges both on the road and off it. Damage from potholes, falling debris, or waterlogged streets can lead to costly repairs—especially to your car’s engine, windshields, and bodywork.

That’s where IndusInd Car Insurance steps in. Our plans cover accident-related and weather-related damage, so you don’t have to worry about unexpected expenses. You also get access to 11,000+ cashless garages, 24x7 customer support, and easy claim filing through the app all from your phone.

With IndusInd General Insurance (formerly IndusInd General Insurance), you can drive with confidence knowing your car and finances are protected.

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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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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)

What is 1 year OD and 3 year TP in car insurance?

It refers to the comprehensive car insurance policy where you can choose your own damage coverage for just one year, while the mandatory third-party liability cover is locked-in for three years. While own damage covers damage to your car in case of theft, accidents, fire, etc., third-party covers you from legal and financial liability if you cause damage to another person’s property or vehicle.

How do I download a copy of my car insurance policy in Ludhiana?

As soon as your policy purchase is successful, you will receive it at your registered email. Alternatively, you can also download it by logging in to the IndusInd Insurance App with your account details. You can also visit our self-help portal for the same.

What is the fine for driving a vehicle without car insurance in Ludhiana?

If you are caught driving an uninsured vehicle in Ludhiana, you will be liable to pay a fine of ₹2000 for your first offence. For any subsequent offence of driving an uninsured vehicle, the fine doubles to ₹4000. You can find the complete list of traffic fines in Ludhiana by clicking here.

How can I get a second hand car insurance in Ludhiana?

You can get car insurance for your second-hand car in Ludhiana by contacting IndusInd General Insurance (formerly, Reliance General Insurance). We offer affordable second-hand car insurance plans in Ludhiana. All you need to do is schedule an inspection of your second-hand car, and once that is done, you will be required to submit your RC transfer proof, old insurance papers of the car and forms 29 and 30, signed by the previous owner of the vehicle.

Can I transfer my NCB to my new vehicle?

Yes, you can transfer your NCB to your new vehicle while getting your insurance plan. Just make sure to provide us with a valid NCB certificate during the policy transfer process.