Car Insurance in Punjab

Punjab, a land of vibrant culture, iconic landmarks like the Golden Temple, and agricultural prosperity, is also rapidly evolving with urban growth, expanding road networks, and a surge in vehicle ownership. As cities grow busier and traffic becomes denser, the need for reliable car insurance becomes more critical than ever.

IndusInd General Insurance offers comprehensive car insurance in Punjab that not only protects your vehicle from accidents, theft, and natural calamities but also supports the Punjab government’s progressive ‘Vision Zero’ initiative aimed at reducing road fatalities. Our plans are designed to give you peace of mind while driving through Punjab’s dynamic roads—whether you're navigating city traffic or cruising through rural highways.

With features like quick claim settlement, cashless garages, and 24x7 assistance, we ensure you're always covered against the unexpected. Choose IndusInd General Insurance to stay protected, drive confidently, and contribute to a safer Punjab.

Why Should You Buy Car Insurance in Punjab?

Protection Against Weather-Related Damage

Punjab experiences extreme weather—from heavy monsoon rains to dense winter fog. These conditions can lead to accidents or water damage to your car’s engine. With comprehensive car insurance, you're covered against such unpredictable events, saving you from costly repairs.

Accidental Damage Coverage

Punjab’s roads are busy year-round, especially in urban hubs like Chandigarh and Jalandhar. Whether it’s a minor collision or a major accident, car insurance ensures you don’t have to bear the financial burden of repairs. Our plans cover accidental damage so you can drive worry-free.

Quick Cashless Claims

We’ve partnered with over 11,000+ network garages across India, including many in Punjab, to offer cashless claim services. Plus, with our easy-to-use app, you can file video claims in minutes—no paperwork, no hassle.

24/7 Roadside Assistance

From flat tyres on the GT Road to fuel issues in remote areas, our 24/7 roadside assistance has your back. Whether you're stuck during a late-night drive or facing a breakdown in bad weather, help is just a call away.

Para

Traffic Stats in Punjab

With over 8 lakh new vehicle registrations in 2024–25, Punjab now has more than 2 crore registered vehicles. Cities like Ludhiana and Amritsar report frequent road accidents, especially during foggy winters. Rising EV usage and traffic density make car insurance a must for protection, repairs, and roadside support.

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 Punjab!

Key Features and Benefits of Car Insurance in Punjab

Key Features	Description
Affordable Premiums	Starting at just ₹308/month*
Coverage Offered	Comprehensive coverage (Third-party + Own damage)
Personal Accident Cover	Optional PA cover up to ₹15 lakhs*
Tailored Add-ons	Choose from 15+ add-ons, including 3 EV-specific options*
Digital-First Approach	Quick purchase and renewal via our website or App
Instant Claims	Hassle-free claim process with video streaming on App
Quick Surveys	Claim survey within 24 hours of initiation*
Loyalty Rewards	50%* No Claim Bonus + up to 90%* online discounts
24/7 Support	Assistance 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 Available in Punjab

Comprehensive Car Insurance

Get full protection for your car and third-party liabilities in one plan. Ideal for all-round coverage, with 15+ add-ons and 3 EV-specific options for electric vehicle owners.

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Pay-As-You-Drive (PAYD)

Drive less, pay less. Perfect for weekend drivers or occasional users. Premiums are based on actual kilometers driven, tracked via smart telematics.

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Own-Damage Insurance (OD)

Already have third-party cover? Add OD to protect against accidents, natural disasters, and total loss. No out-of-pocket repair costs—even for undercarriage damage on rough roads.

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Third-Party Insurance (TP)

Mandatory by law. Covers damage to others caused by your car. Avoid fines and penalties with affordable 1-year or 3-year plans.

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Inclusions & Exclusions

Car Insurance in Punjab: 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 Punjab , 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 Punjab

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

Nil Depreciation

Get the full claim amount without deductions for part depreciation. Ideal for reducing repair costs, especially for new cars. Ensures maximum value during claims.

Pay-As-You-Drive

Premiums depend on how much you actually drive. Perfect for occasional drivers or city commuters. Save money if your car runs less.

Return to Invoice (RTI)

In case of total loss, receive the full invoice value of your car. Bridges the gap between market value and purchase price. Great for new car owners.

Engine Protection Cover

Covers engine damage from waterlogging or oil leakage. Essential during Punjab’s heavy monsoon season. Protects against costly repairs.

Tyre Protection

Covers repair or replacement of damaged tyres. Ideal for rough terrains and pothole-prone roads. Keeps your car running smoothly.

Key & Lock Replacement

Pays for replacing lost or stolen keys and locks. Saves you from unexpected expenses and hassle. Convenient for emergencies.

Consumables Cover

Includes small parts like nuts, bolts, and lubricants. Ensures complete coverage during repairs. Avoid out-of-pocket costs.

Loss of Personal Belongings

Compensates for items lost or damaged in your car. Covers theft or accident-related losses. Adds extra security for valuables.

24/7 Roadside Assistance

Get help anytime—towing, fuel, minor repairs, and more. Peace of mind wherever you drive in Punjab. Quick support in emergencies.

NCB Retention Cover

Retain your No Claim Bonus even after a minor claim. Keeps your premium benefits intact. Ideal for long-term savings.

Daily Allowance

Receive daily travel allowance while your car is in the garage. Helps cover transport costs during repairs. Stay mobile without extra burden.

Electrical Accessories Cover

Covers damage or theft of installed electrical accessories. Perfect for cars with custom audio or lighting systems. Protects your upgrades.

RIM Protection

Covers accidental damage to your car’s rims. Great for premium wheels or alloy rims. Maintains your car’s stylish look.

Baggage Cover

Protects your luggage from theft, accidents, or natural disasters. Covers everything from suitcases to shopping bags. Travel worry-free.

EV Charger Cover

Covers damage to your home EV charger due to fire or hazards. Essential for electric vehicle owners in Punjab. Safeguards your charging setup.

Claims -No claim

How to Buy and Renew IndusInd Car Insurance in Punjab ?

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 Punjab

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

Punjab’s roads are always buzzing, with over 400 vehicles per 1000 people. Whether you're driving through Ludhiana’s busy lanes or navigating rural stretches during monsoon, car owners face a mix of risks—from traffic accidents to unpredictable weather. Thousands of road mishaps are reported every year, with dents, bumper damage, and costly repairs being common. Add seasonal challenges like heavy rains, hailstorms, and flooding, and you’re looking at potential engine trouble, broken windshields, and damage from falling debris. That’s why having reliable car insurance isn’t just smart—it’s essential. With IndusInd Car Insurance, you’re protected against both man-made and natural risks. Whether it’s a minor scratch or major flood damage, we’ve got you covered. Enjoy access to 11,000+ cashless garages across India, 24x7 customer support, and easy policy management through the app—where you can file claims, renew policies, and update details right from your phone. With IndusInd General Insurance (formerly IndusInd General Insurance), you can drive 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.

IndusInd General Insurance

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)

How can I choose the best car insurance in Patiala, Punjab?

Finding the right insurance plan for your car entirely depends on your budget, car, and coverage needs. For example, if you need coverage only for legal reasons, a third-party liability insurance is sufficient for you. It is not only legally mandatory but also cheaper compared to other insurance plans. If you are someone who drives your car very rarely, you can get our pay-as-you-drive plan, where you only pay premiums for the distance you have driven. Similarly, if you need more comprehensive coverage, we always recommend getting a comprehensive car insurance policy. While this is slightly more expensive than other policies, it provides much better coverage. So you can compare different plans, check the cost of add-ons, search for the claim-settlement ratio, coverage included, etc., to find the best car insurance plan for you.

Is it mandatory to get a 3-year insurance plan for my new car in Punjab?

Yes. As per IRDAI rules, every new car owner must buy at least a 3-year third-party car insurance policy. You can either purchase only third-party insurance or choose a 3-year comprehensive plan that includes both third-party cover and protection for your own car’s damage in one policy. We recommend opting for a comprehensive plan, because a third-party policy will not pay for repairs if your own car is damaged in an accident.

How much does car insurance in Punjab cost?

Our car insurance plan in Punjab starts at ₹308 per month*. However, the final premium costs will vary depending on your car model, age of the car, add-ons you want, and the plan you choose.

What is the price of third-party car insurance in Punjab?

Third-party car insurance price in Punjab starts at ₹2094. Since IRDAI determines its price, it is fixed across all insurers and must be followed strictly. The final premium price you pay is based on the engine’s cubic capacity of your vehicle.