Honda Car insurance

Name: Honda Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Known for their reliability, fuel efficiency and sleek designs, Honda cars are a favourite among urban professionals, young families and first-time car buyers. From compact hatchbacks to stylish sedans and capable SUVs, Honda cars deliver strong performance, advanced safety, and everyday comfort, backed by a reputation for durability and low maintenance. However, even the most reliable cars can face unexpected damage.

Imagine navigating a narrow, rain-slicked street in your Honda City when an unexpected pothole causes a sudden tyre burst, leading to a minor scrape against a divider. The problem is not just the cosmetic damage but the potential alignment issues and the high cost of genuine Honda parts. In such situations, having IndusInd Honda car insurance transforms a stressful scenario into a manageable one.

IndusInd General Insurance (formerly Reliance General Insurance) provides comprehensive coverage for your Honda, safeguarding it against accidents, theft, natural calamities, and more. With the IndusInd Insurance app, you can easily file a claim under your Honda car insurance online. This ensures that your Honda remains protected at all times, letting you drive confidently while handling all insurance needs seamlessly from your smartphone.

Why Us

Why 8 Crore+ Policyholders Trust Us?

With an IndusInd Honda insurance policy, you are covered against unpredictable road risks and rising repair costs. Our car insurance plans offer comprehensive financial protection and smooth, cashless repairs, ensuring your premium driving experience stays uninterrupted while safeguarding you from expensive accidental damages.

Brand - Car

15+ Add-On Covers Available

Extra covers for enhanced protection

Up to 3 Years Coverage*

Get long and short-term coverage with us

Video Claims Feature on Our App

File quick cashless claims via mobile

24/7 Customer Assistance*

Get support from anywhere in India

Why do you need Honda Car Insurance?

Legal Requirement

As per the Motor Vehicles Act, 1988, driving without valid insurance is a legal offence, resulting in a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences.

In serious cases, you could even face imprisonment for up to 3 months. With Honda insurance, you stay legally safe while enjoying protection from unforeseen damages or accidents.

Covers Car Repairs

Honda cars are known for their advanced features like the City’s LED headlights and the Amaze’s stylish body panels. Yet, everyday city driving can leave its mark, from scratches caused by two-wheelers and minor dents in tight parking spaces to bumper chips from potholes. Honda insurance covers these damages, keeping your car protected and pristine.

Covers Theft

Car theft is rising across India, with Delhi seeing a staggering 52% jump in 2025. Honda cars, with their strong resale value, are often attractive targets for thieves. If your car is stolen, we protect your finances by paying out the Insured Declared Value (IDV), the current market value of your vehicle, ensuring you can replace or recover your car without bearing a financial loss.

Covers Natural Disasters

Anyone living in disaster-prone areas, facing floods, storms, and earthquakes, can have their Honda car damaged by such events. For instance, floods can compromise your car’s engine and electrical systems, and strong winds or falling debris can dent panels. Honda insurance protects you against these disasters, letting you recover quickly without worrying about costly repairs.

Covers Fire and Fire-Related Damage

Imagine parking your Honda on a busy street when a nearby vehicle catches fire. The flames spread, damaging panels and the engine. With Honda vehicle insurance, you can recover the cost of repairs for panels and other damaged components and avoid out-of-pocket expenses. And if you opt for the Engine Protect add-on, you can even get coverage for engine-specific damages, ensuring your Honda is fully restored without any financial burden.

High-Quality Repairs

Finding genuine Honda spare parts can be challenging, especially in busy cities or remote areas. However, our vast network of 11,000+ garages ensures you get original Honda parts and expert service whenever you need it. With Indusind General Insurance, you enjoy high-quality, cashless repairs that maintain your car's factory standards and warranty, keeping your Honda performing safely and reliably, no matter where you are in India.

Types of Honda Car Insurance Plans

Comprehensive Car Insurance

This type of insurance policy is an all-inclusive plan. It shields you from financial losses caused by accidents, theft, fire, natural calamities, etc as well as covers third-party liabilities. For example, if you accidentally bump into another vehicle, the policy covers repair costs for both your Honda and the other car, ensuring you are financially protected from all damages with a single policy.

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Pay As You Drive Car Insurance

This usage-based insurance plan lets you pay premiums based on how much you actually use your Honda. You can choose from 2,500–10,500 km* of coverage, with an extra 125 km grace buffer* to keep you protected if you exceed your limit. Suitable for professionals working from home, senior citizens, families with multiple cars or those who drive less frequently, it helps you save on insurance while staying fully protected.

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Third Party Car Insurance

Third-party car insurance protects you against legal and financial liabilities arising from bodily or property damage caused to others by your car. For instance, if your Honda accidentally rear-ends a luxury sedan in heavy traffic, the policy will pay for the repairs of the other vehicle, saving you from a massive out-of-pocket expense while ensuring compliance with the law.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) insurance provides financial protection for your car against accidents, theft, fire, and damages caused by natural disasters. The policy offers dedicated own-damage coverage while complementing your existing third-party insurance plan. Flexible coverage options are available for enhanced vehicle protection.

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Key Features of IndusInd Honda Car Insurance

IndusInd Honda car insurance comes packed with features that make coverage simple and reliable. From fast claims and a wide garage network to great discounts, every feature is built to keep your Honda fully protected.

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available*
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs* is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions and Exclusion

Honda Car Insurance: Inclusions and Exclusion

Brand - Car

What is Covered?

Accidents and Collisions: Our plan covers the repair costs for damage to your Honda Car Insurance insurance caused by a road accident.

Third-party Damages: Our Honda Car Insurance insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Honda Car Insurance insurance for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

Brand - Car

What is Not Covered?

Depreciation: Depreciation of Honda Car Insurance insurance parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations & Outside Zone Coverage: We cover all accidents except ones that arise out of breaking the law or ones that occur outside of India's borders.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

Protect your Honda with ease!

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Honda Insurance Add-On Covers

Add-ons are an excellent way to enhance your base policy coverage when you feel you need more protection for your Honda car. For example, the Engine Protect cover is ideal for those driving through flood-prone areas, while the Return to Invoice cover ensures complete protection in case of total loss. At IndusInd General Insurance, we offer 15+ add-on covers* for your Honda, giving you the flexibility to customize your insurance based on your needs.

Engine & Gearbox Protection

Covers costly repairs if floods, oil leaks or mechanical breakdowns damage your Honda’s engine or gearbox. Ideal for Honda owners in flood-prone areas or those with premium Honda models.

Car Tyre Protection

It offers added security by covering the cost of repair or replacement if your Honda’s tyres burst, bulge or get cut due to road hazards or accidental impact. A must-have for anyone who frequently drives on rough or unpredictable roads.

Key & Lock Replacement

Ensures you are protected if your key is lost, stolen or damaged by covering the cost of key replacement, reprogramming and lock repairs. With many Honda cars featuring smart key systems, it is an essential safeguard that saves you time, money, and hassle.

Consumable Expenses

The consumable expenses cover pays for items like engine oil, nuts, bolts and brake fluid, helping you manage routine wear-and-tear expenses and keep your Honda running smoothly without unexpected costs.

RIM Protection

It safeguards your rims against damage from accidents or rough roads. Since Honda cars often come with unique, premium rims, this add-on is especially valuable for protecting your wheels and avoiding costly replacements.

Roadside Assistance

Whether your Honda faces a flat tyre, an empty tank, or a dead battery, this add-on ensures you are never stranded. From towing to on-site repairs, help is available anytime, anywhere. Just call us at our helpline or use the IndusInd Insurance app.

Personal Belongings

If your valuables, like a laptop, phone or bags (costing more than ₹5000*) are stolen from your Honda or damaged in an accident, this add-on helps you recover their value, ensuring your personal items are always protected.

Daily Allowance Benefit

If your Honda is under repair for over 3 days* post-accident, this cover provides a daily cash allowance for travel costs like cabs or trains. It is perfect for busy Honda owners who need to stay mobile.

EMI Protection

It pays your loan EMIs for the chosen tenure if your car is in the garage for over 21, 42 or 63 days*. A must-have for those Honda owners who want to ensure their financial commitments are met even when their vehicle is out of service.

No Claim Bonus (NCB) Retention

This cover protects your earned No Claim Bonus even after a claim, ensuring you still get renewal discounts. Ideal for Honda owners with high NCB who want to avoid losing it over a single accident.

Electrical Accessories

Covers non-factory electrical accessories like touchscreens, cameras and GPS. Since standard plans exclude aftermarket parts, it ensures your expensive upgrades are fully protected against damage.

Non-Electrical Accessories

It protects custom non-electrical additions to your Honda, like seat covers, bumper guards or trims, covering repair or replacement costs if they are damaged in an accident.

EV Battery Protection

This cover pays for the repair or replacement of your EV's expensive battery if it is damaged by accidents, water, power surges, mechanical shocks, etc, making it ideal for Honda EV owners.

Electric Motor Protect

Acts as a safety net for your EV motor, covering repair costs if the motor is damaged by water, electrical faults, coolant leaks or overheating, helping you avoid expensive breakdowns.

EV Charger

If your EV's home charging unit and adapters are damaged due to accidents, theft, fire, natural disasters or even rodent damage, this add-on covers the repair or replacement, ensuring your power source stays secure.

How to Buy and Renew

How to Buy/Renew Honda Car Insurance?

Brand - Car

Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

Brand - Car

How to Renew

Go to the top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Honda Car Insurance Premium

Your Honda’s insurance premium depends on several key factors. These help insurers assess risk and offer coverage that suits your car and usage. Understanding these can also help you reduce your premium and get better value.

Your Honda’s IDV

IDV represents your vehicle’s current market value and directly affects coverage and claim amounts. Choosing a higher IDV provides stronger protection for your Honda, covering more in case of damage or theft, but it also leads to a higher Honda car insurance price. On the other hand, a lower IDV lowers your Honda insurance cost, making it more affordable, but it also means less coverage in the event of a claim.

Car Make and Model

High-end or feature-rich Honda models, such as Honda City and Honda Elevate, may have higher premiums because their repair costs, spare parts and advanced technology features are more expensive to replace. Conversely, smaller or older Honda models like the Honda Amaze usually have simpler designs and readily available parts, making them less costly to repair and maintain and therefore more affordable to insure.

Type of Coverage

The coverage you choose for your Honda defines your premium. A basic third-party policy is the legal mandate and is more affordable, but it only covers damages to others, leaving your Honda less protected. A comprehensive Honda insurance policy offers all-around protection, including theft and natural disasters, resulting in a higher price.

Add-Ons

Add-ons let you enhance your Honda car insurance for extra protection and convenience. Popular choices like engine protection cover, roadside assistance and zero depreciation increase your premium slightly, but they provide tailored, high-level care that a standard policy lacks.

Claims Record

Your history as a Honda owner plays a huge role in your Honda car insurance price. If you drive your car safely and avoid making small claims, you earn a No Claim Bonus (NCB). This discount can significantly slash your renewal price. Conversely, frequent claims suggest a higher risk, which might increase the cost of insuring your Honda. Maintaining a clean record is the best way to keep your premiums low.

Anti-Theft Protection

Securing your Honda with ARAI-approved anti-theft devices can lower your premium as insurers view safety-enhanced cars as lower theft risks. By proactively protecting your Honda car, you may qualify for a discount on your Honda car insurance price, proving that adding anti-theft devices to your vehicle pays off in more ways than one.

How to File

How to File a Honda Car Insurance Claims?

How to File a Mahindra Car Insurance Claim?

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Insurance app.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app's live video survey feature or by submitting photos.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).

Step 1: Initiate the Claim

initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Honda Car- Models and Prices

Honda offers a great range of cars for every budget and lifestyle. From the affordable Amaze to the premium City and Elevate, here is a quick look at all Honda models and their latest prices.

Honda Models	Price (as of January 2026)
Honda Amaze - 2nd Gen (Manual/Automatic \| Petrol)	₹5.99 - ₹7.80 Lakh
Honda All New Amaze (Manual/Automatic \| Petrol)	₹7.48 - ₹21.25 Lakh
Honda Elevate (Manual/Automatic \| Petrol)	₹11.60 - ₹16.57 Lakh
Honda City (Manual/Automatic \| Petrol)	₹11.96 - ₹16.07 Lakh
Honda City e:HEV (Automatic \| Electric Hybrid)	₹19.99 Lakh

Key Takeaways

Honda cars have earned a special place in the hearts of Indian drivers, becoming a symbol of reliability, sophistication and engineering excellence. Whether it is the legendary Honda City, the versatile Amaze, or the bold Elevate, these vehicles are loved for their iconic engines, unmatched fuel efficiency and a smooth driving experience that feels premium yet practical. For many, a Honda is not just a car; it is a trusted companion for the long haul.

However, no matter how you use your Honda, be it daily office travel, weekend getaways or long-distance journeys, it remains exposed to unexpected risks like accidents, theft, natural calamities or mechanical breakdowns. These unforeseen situations can cause serious damage and financial stress, which is why protecting your Honda with the right insurance is essential.

IndusInd General Insurance (formerly Reliance General Insurance) offers Honda car insurance plans specially designed to safeguard your beloved vehicle against such uncertainties. With 24/7 customer assistance*, we ensure you receive timely support when you need it most.

Our breakdown assistance cover adds even more ease, helping you get back on the road quickly. Backed by a vast network of 11,000+ garages, we make repairs and service seamless, ensuring your Honda ownership experience remains smooth and secure.

Author - Brand Car

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.

Honda Car insurance starting at just ₹308 per month*

Get full-circle protection for your Honda!

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

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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 the cheapest Honda car?

The Honda Amaze - 2nd Gen is generally considered the cheapest new Honda car in India, with prices starting from ₹6.98 lakh* for its base variants, making it the most affordable option in the Honda lineup.

Which is better, 3rd party or comprehensive?

It depends on your individual needs and circumstances. Third-party insurance is more affordable and covers only damages or injuries caused to others, while comprehensive insurance protects both your Honda and others. Your choice should consider your budget, the value of your car and the coverage you want.

Is zero dep useful after 5 years?

Yes, zero depreciation cover can still be beneficial after 5 years. This is because it helps reduce repair costs by covering the full value of parts without deducting depreciation, which can be especially useful for costly repairs on your Honda. Plus, our zero-dep add-on applies to cars up to 7 years of age. Disclaimer: The prices mentioned are subject to change based on your city of residence, car variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

What are the benefits of Honda car insurance?

Honda car insurance protects your car by covering damages from accidents, theft, fire, natural disasters and more. It helps you avoid unexpected financial costs and ensures your vehicle remains safeguarded at all times.

How to lower my Honda insurance?

You can lower your Honda insurance by maintaining a clean driving record and choosing a higher deductible. Additionally, selecting a lower IDV, adding only the add-ons you need and claiming your no-claim bonus can further reduce your Honda