Car Insurance in Nagpur

Nagpur, often referred to as the heart of India due to its central location, has rapidly evolved into one of Maharashtra’s busiest urban centers. With its growing importance as a major transport and logistics hub, the city is experiencing a sharp rise in vehicular traffic. This surge, combined with fast-paced urban development, has led to increased road congestion and a higher risk of accidents. For residents navigating these busy streets daily, having reliable car insurance is no longer optional—it’s essential.

IndusInd General insurance (formerly Reliance General insurance) offers tailored Car Insurance solutions in Nagpur to ensure your peace of mind on the road. From mandatory third-party liability coverage to comprehensive own damage protection and a wide range of add-on covers, our policies are designed to meet the unique needs of city drivers. Whether it’s a minor mishap or a major accident, our support ensures you're financially protected and back on the road quickly. Drive confidently with InduInd by your side.

Why Should You Buy Car Insurance in Nagpur?

Protection Against Floods & Landslides

Nagpur’s monsoon season often brings floods and landslides, which can severely damage your car’s engine. Our car insurance plans cover such natural calamities, including engine damage caused by water ingress—so you’re not left with a hefty repair bill.

Coverage for Accidental Damage

With Nagpur’s busy roads and growing traffic, accidents are a real risk. Our car insurance ensures you’re financially protected from repair costs due to collisions or accidental damage. Drive worry-free—we’ve got your back!

Hassle-Free Cashless Claims

Enjoy cashless repairs at over 11,000+ partner garages across India. Whether it’s an accident or a natural disaster, our app lets you file video claims quickly and easily—no paperwork, no stress.

24x7 Roadside Support

Flat tyre? Ran out of fuel? Car breakdown in peak traffic? No worries. Our round-the-clock roadside assistance ensures help is just a call away—so you’re never stranded, even when far from home.

Para

Stats About Nagpur Traffic

With 6.45 lakh new vehicle registrations in 2024-25, Nagpur’s total number of registered vehicles has now crossed 1.25 crore. The city also saw a sharp rise in EV adoption during early 2025. Combined with increasing traffic congestion and frequent road accidents in areas like Sitabuldi and Wardha Road, these stats highlight the urgent need for reliable car insurance in Nagpur.

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 Nagpur.

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 Nagpur!

Key Features of Car Insurance in Nagpur

Whether you're navigating Nagpur’s busy intersections or cruising through its quieter zones, our car insurance plans are built to match your lifestyle. Choose from four customized policy options and a wide selection of add-on covers to stay protected wherever you go.

Feature	Details
Budget-Friendly Plans	Premiums starting from just ₹308/month*
Comprehensive Coverage	Comprehensive coverage (Third-party+own-damage)
Accident Protection	Optional personal accident cover up to ₹15 lakhs*
Smart Add-ons	15+ add-ons including 3 tailored for electric vehicles*
Digital Convenience	Easy purchase & renewal via website or app
Instant Claim Filing	Submit claims through live video on the app
Fast Claim Surveys	Claim survey completed within 24 hours of request*
Free Towing Service	Complimentary pick-up & drop to network garages
Round-the-Clock Help	24/7 support via call, WhatsApp, and email
Rewarding Loyalty	Up to 50%* No Claim Bonus + online discounts up to 90%*

Disclaimer: Features and benefits are subject to change. Please refer to the official policy documents or contact our support team for the latest details.

Types of Car Insurance in Nagpur

Comprehensive Car Insurance

Get full protection for your vehicle and third-party liabilities under one plan. This includes coverage for accidents, theft, natural disasters, and more. Choose from 13+ add-ons, including EV-specific options, to customize your policy.

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Pay-As-You-Drive Insurance (PAYD)

Ideal for occasional drivers in Nagpur! Pay premiums based on your annual driving range—whether it’s 2,500 km or 10,500 km. Track your usage accurately and top up as needed. Perfect for weekend drives or short commutes.

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Own-Damage Car Insurance (OD)

Already have third-party insurance? Add OD cover to protect your car from accidents, theft, and natural calamities. Maintain your No Claim Bonus while staying covered for unexpected events.

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Third-Party Car Insurance (TP)

Mandatory for all car owners in Nagpur. Covers damage caused to others’ vehicles or property. Avoid fines of ₹2,000–₹4,000 or up to 3 months imprisonment. Choose between 1-year or 3-year plans for compliance and peace of mind.

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Inclusions & Exclusions

Car Insurance in Nagpur: 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 Nagpur , but not those from unlawful driving activities.

International Travel - We offer pan-India coverage, but accidents outside India will require add-on coverage.

Note: Coverage may vary depending on your insurer and policy type. Always check the official documents for full details.

Let’s keep your Nagpur rides safe!

Call our Nagpur team now

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Car Insurance Add-On Covers – Nagpur Edition

Nil Depreciation

Get full claim value without deductions for part depreciation—ideal for new cars.

Pay-As-You-Drive

Pay premiums based on how much you drive annually—perfect for occasional drivers.

Return to Invoice (RTI)

In case of total loss or theft, get the full invoice value including taxes and registration.

Engine Protection Cover

Covers engine damage from waterlogging or oil leaks—especially useful during monsoons.

Tyre Protection

Covers repair or replacement of damaged tyres and tubes due to road hazards.

Key & Lock Replacement

Helps cover costs if your car keys are lost, stolen, or damaged.

Consumables Cover

Includes items like engine oil, brake fluid, and nuts—usually excluded from basic policies.

Protection Plus

A bundled cover offering enhanced protection across multiple areas of your car.

24/7 Roadside Assistance

Get help anytime for breakdowns, flat tyres, or emergencies—anywhere in Nagpur.

Loss of Personal Belongings

Covers theft or damage of personal items kept inside your car.

Daily Allowance

Receive a daily travel allowance when your car is in the garage for repairs.

EMI Protection

Helps pay your car loan EMIs if your vehicle is unusable due to an accident.

NCB Retention Cover

Keeps your No Claim Bonus intact even after making a claim.

Electrical Accessories

Covers damage to accessories like music systems, reverse cameras, etc.

Non-Electrical Accessories

Covers items like seat covers, mats, and other non-electrical fittings.

Voluntary Deductible Protection

Helps manage out-of-pocket costs when you opt for a voluntary deductible.

EV Charger Protection

Covers damage or theft of your home EV charging unit.

Electric Motor Protection

Covers repair costs for electric motors in EVs due to breakdown or damage.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Nagpur ?

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 Nagpur

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

Nagpur is rapidly expanding, and with more vehicles hitting the roads every day, car owners face increasing risks—from traffic accidents to seasonal weather damage. With over 1.25 crore registered vehicles and frequent congestion in areas like Sitabuldi and Wardha Road, minor crashes causing dents, bumper damage, and body repairs are becoming more common. On top of that, the city’s heavy monsoon rains often lead to waterlogging, which can seriously damage your car’s engine, windshield, and exterior due to falling branches or flying debris. These risks—both from the road and the weather—make it essential to have a strong car insurance plan.

That’s where IndusInd Car Insurance comes in. It helps cover repair costs from accidents and natural disasters, so you’re not left with a hefty bill. As a policyholder, you get access to over 11,000 cashless garages across India, 24x7 customer support, and the convenience of managing everything—from filing claims to renewing your policy—right from your phone using the app. With IndusInd General insurance (formerly Reliance General insurance), you can drive through Nagpur with confidence, knowing your car and your 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 starting at just ₹308 per month*!

Get full-circle protection for your Car

From damage and theft to add-ons like roadside assistance, we’ve got you covered.

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Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

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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

The best insurance experience I've had! Simple, affordable, and reliable. Highly satisfied with my Car policy.

Balasaheb Babu Rao Deosarkar

Yavatmal

4.5

Seamless digital experience

My experience of getting my car insurance was easy and straightforward. I am satisfied with the policy and don't see a need for extras.

Abdul Bawani

Yavatmal

Quick policy issuance

Purchcasing my Car felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Debashish Sen

West Tripura

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I am satisfied with the main policy and don't see a need for extras.

Rupak Das

West Tripura

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Prasen Jitpal

West Midnapore

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Sankuratri Venkata Bulli Rani

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Manthenaravi Teja Varma

West Godavari

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I'm happy with how everything went and feel secure with my policy.

Karem Raja Rao

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Nekkalapu Vijaya Lakshmi

West Godavari

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Gunnampurna Chandrasekhar

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. 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.

Vendrabala Nageswara Rao

West Godavari

Quick policy issuance

I had a positive overall experience while applying for Car insurance from Reliance (now IndusInd) . It met my requirements well and felt tailored to my needs. I did not feel the need for any other products at this time. I found the entire process trustworthy and efficient.

Balla Leela Naga Surya Kumari

West Godavari

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Narendra Kumardevaneni

West Godavari

Quick policy issuance

I was impressed by the overall Reliance Insurance (now IndusInd Insurance) experience. The platform was intuitive, and the coverage felt like a perfect fit. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

Sobhit Gupta

New Delhi

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Ritesh Gupta

New Delhi

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . 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. The convenience and clarity made this a good experience.

Nishida Noonhampurath

Wayanad

Quick policy issuance

The journey of purchasing car insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Sushil Madhukar Raosapkal

Washim

Quick policy issuance

Buying a Car policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs. I'm happy with how everything went and feel secure with my policy.

Gaddam Keerthi

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. The process felt reliable and I would recommend it to others.

Nagamandla Rama Devi

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Nadipellimadhava Rao

Warangal

Quick policy issuance

The journey of purchasing car insurance from Reliance (now IndusInd) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Sayyedja Lalahamed

Warangal

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Jaya Krishna Madupu

Warangal

Seamless digital experience

The journey of purchasing Car insurance felt effortless and user-friendly. The product details, coverage and offerings do not match my needs currently.

Thanneeru Srinivas

Warangal

Quick policy issuance

I had a positive overall experience while applying for Car insurance. It aligns well with what I needed from an insurance policy.

Harikrishna Kavati

Warangal

Quick policy issuance

Buying a Car policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Asra Parveen

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance (now IndusInd) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Veldandi Satish

Warangal

Quick policy issuance

The journey of purchasing Car insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. The process felt reliable and I would recommend it to others.

Mugala Manohar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Mutika Raju

Warangal

Quick policy issuance

Buying a Car policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Kotte Siromani

Warangal

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. While digital is fine, having a physical document would add assurance. Overall, it was a seamless experience and I am satisfied.

Pasunoori Prashanth

Warangal

Quick policy issuance

I recently purchased my Car insurance and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive.

Nagelli Rahul

Warangal

Quick policy issuance

Buying a car policy through the platform was straightforward and quick. It aligns well with what I needed from an insurance policy.

Ananthula Umamaheshwar

Warangal

Quick policy issuance

From start to finish, the process of getting my Car insurance was convenient. 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. Overall, it was a seamless Reliance Insurance (now IndusInd Insurance) experience and I am satisfied.

Sujatha Chittem

Warangal

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. The process felt reliable and I would recommend it to others.

Nimmala Saideepak

Warangal

Value for money

I recently purchased my Car insurance and found the experience to be fine.

M Sainivas

Wanaparthy

Quick policy issuance

The car insurance process was efficient and well-supported. I felt like I was making a smart, informed choice.

Nagireddi Madhukishor

Vizianagaram

Quick policy issuance

I had a positive overall Reliance (now IndusInd) experience while applying for Car insurance. The plan offered exactly the type of coverage I was expecting. I did not feel the need for any other products at this time. Overall, it was a seamless experience and I am satisfied.

Dadi Venkatagiri Babu

Vizianagaram

Quick policy issuance

I had a positive overall Reliance Insurance (now IndusInd Insurance) experience while applying for Car insurance. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras.

Shashidhar Guntha

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage.

Vani Kota

Vizianagaram

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.

Devarasetti Uma Manoj

Visakhapatnam

4.5

Seamless digital experience

I found the insurance experience to be well-paced and user-friendly. The policy I selected felt comprehensive and relevant.

Nethala Suri Babu

Visakhapatnam

Quick policy issuance

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 additional coverage seemed required for my needs.

Chowdary Appala Naidu

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for Car insurance with Reliance General Insurance (now IndusInd General Insurance) . I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Pentakota Satya Eswara Sanyasir

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for car insurance. It met my requirements well and felt tailored to my needs.

Ravi Shankarnandikolla

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Badda Appalanaras Amma

Visakhapatnam

Quick policy issuance

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)

Q2. Which type of car insurance is best for Nagpur roads?

Ans. A comprehensive car insurance plan is usually the best choice. It not only covers third-party liabilities but also protects your own car from accidents, theft, fire, and natural disasters. This is especially useful in a growing city like Nagpur, where traffic and risks are increasing.

Q4. Can I customise my car insurance policy in Nagpur?

Ans. Yes, you can customise your policy with add-ons based on your needs. Options like nil depreciation, engine protection, and return to invoice help enhance coverage and reduce your financial burden in case of major damage.

Q6. What documents are required to buy car insurance in Nagpur?

Ans. You only need a few basic details and documents to get your car insured. It is a simple process that can be completed within just a few steps. Here is the list of documents that help the insurer verify your details and issue the policy smoothly.Vehicle registration numberIdentity proof (Aadhaar, PAN, etc.)Driving licence of the ownerVehicle details (make, model, variant)Previous policy details (for renewals)Purchase invoice (for new cars)Valid PUC certificate

Q1. Why should I consider car insurance in Nagpur?

Ans. Driving in Nagpur involves daily traffic, long commutes, and occasional monsoon-related issues. A good car insurance plan helps you:Stay financially protected against accidents and damage.Cover losses due to theft or natural events.Meet legal requirements for third-party coverage.Reduce repair expenses with wider coverage options.Drive with peace of mind on busy city roads.

Q3. How does roadside assistance help while driving in Nagpur?

Ans. Roadside assistance ensures help is available if your car breaks down. Whether you face a flat tyre, battery issue, or need towing, you can get support anytime. It is especially useful during long drives or late-night travel within and around Nagpur.

Q5. How can I renew my car insurance in Nagpur?

Ans. You can renew your car insurance online in a few simple steps. Enter your vehicle and policy details, review coverage, make changes if needed, and complete the payment. Your renewed policy is shared instantly via email.