Rolls-Royce Insurance

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

Owning a Rolls-Royce is more than driving. It is entering a world of unmatched prestige and comfort. The quiet power beneath the bonnet, the handcrafted leather seats and the starlight headliner all indulge the senses. Owners choose Rolls-Royce for its peerless performance, whisper-quiet cabin and bespoke finishes, but these same qualities make it costly to restore in the event of damage.

Consider a loose stone on the highway chipping the Cullinan’s base, or a low-speed impact misaligning the advanced suspension system of the Ghost. Both require skilled technicians, original components and often international sourcing. These expenses can run into lakhs, so car insurance is essential.

IndusInd Rolls-Royce car insurance offers comprehensive coverage for damage to your car. Backed by 11,000+ network garages* and the IndusInd Insurance app, we ensure fast, precise service. The app lets you initiate claims, submit documents and track repairs seamlessly. Our services provide the same level of refinement you expect from your car.

Why Us

Why 8 Crore+ Policyholders Trust Us?

Protect your Rolls Royce with IndusInd General Insurance’s add-ons, smooth claim process, 24x7 helpdesk, and strong cashless garage network.

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 Rolls-Royce Insurance?

Legal Mandate

Car insurance in India is a legal requirement for all vehicle owners. Therefore, it is crucial to safeguard your Rolls-Royce to avoid fines and penalties from the traffic authorities. If you are found driving without a valid and proper car insurance policy, you need to pay penalties which range between ₹2,000 to ₹4,000. In some rare cases, it may lead to imprisonment.

High Quality Repairs

Rolls-Royces are built for elegance and comfort, but driving them on poorly maintained roads can cause severe damage. Even a powerful model like the Cullinan, designed to handle tough roads, is not immune to damage from deep potholes or loose gravel. These repair and damage costs can be hefty if you do not have Rolls-Royce auto insurance.

Covers Car Theft

Luxury and high-end vehicles like Rolls-Royce are always the centre of attraction for everyone, including thieves. Rising car theft incidents in major cities like Mumbai, Delhi, etc, are just other reasons to protect your high-end assets. With Rolls-Royce car insurance in place, you can recover the total loss for incidents like theft.

Covers Natural Disasters

Natural disasters, such as floods and earthquakes, can cause severe damage to high-end vehicles like Rolls-Royce. Flood water can easily seep into the engine or damage sensitive electronic components. Engine repairs in such cases can easily run into lakhs. With a Rolls-Royce car insurance plan and an Engine Protect add-on, these costs are covered.

Covers Fire and Fire-Related Damage

Fire damage to cars is rare, but when it does happen, it can be severe and put a serious financial burden on the owner. For a high-end electric car like the Rolls-Royce Spectre, the cost of repairing fire-damaged components like the battery or internal wiring can be especially hefty. With our car insurance and EV-specific add-ons, you are covered.

Network Garages and Spare Parts

Getting your Rolls-Royce car repaired at a reliable and trusted garage can be daunting because you are unsure whether they are using original parts or not. That is where we come as rescuers. With our strong network of 11,000+ garages* spread all over the country, we ensure timely and hassle-free repair services to our customers.

Types of Rolls-Royce Insurance Plans

Comprehensive Car Insurance

Comprehensive Rolls-Royce car insurance offers complete protection for your vehicle, covering own damage along with third-party or property damage caused by your car. For instance, while driving your Phantom through a narrow driveway, you accidentally scrape another vehicle and your own. This plan ensures that damages to both are fully covered. You can enhance protection through add-ons designed for high-value cars.

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Pay As You Drive Car Insurance

Ideal for Rolls-Royce owners who drive sparingly, this usage-based plan determines your premium based on actual kilometres driven. You can select an annual limit between 2,500–10,500 km*, with a 125 km* grace buffer. Unused kilometres can be carried forward, and you can easily top up if you exceed the limit. This way, you only pay for the protection you truly need, while still enjoying full coverage when you take your Cullinan or Ghost out for special occasions.

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Third-Party Car Insurance

Legally mandatory for all vehicles, IndusInd third-party car insurance safeguards you against liabilities for damage to another person or their property. So, if you accidentally damage other vehicles or injure someone while driving your car, your policy covers the damage. We offer flexible 1 to 3-year* terms, perfect for new car purchases. This ensures you remain compliant with the law without the hassle of annual renewals.

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Own Damage Car Insurance

Standalone Own Damage (SAOD) car insurance provides coverage for your vehicle against accidental damage, theft, fire, and damages caused by natural disasters such as floods and storms. It can be purchased only if you already hold a valid third-party insurance policy. The plan is available in both short-term and long-term options that correspond with the duration of your existing TP policy.

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Key Features of IndusInd Rolls-Royce Car Insurance

IndusInd General Insurance (Formerly Reliance General Insurance) comes with a unique set of features that add value to your Rolls-Royce driving experience.

Key Features	Description
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 initiated within 24 hours* of claim
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance app
Network Garages	11,000+* network garages across the country
Instant Buying/Renewal	Available for policy purchase and renewal*
Add-Ons	Offers 15+ Add-ons and 3 EV-specific add-ons*
Personal Accident (PA) Cover	Offers additional PA cover of up to ₹15 lakhs*
24/7 Customer Support	Available through Calls and WhatsApp

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

Inclusions and Exclusion

Rolls Royce: Inclusions and Exclusion

Brand - Car

What is Covered?

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

Third-party Damages: Our Rolls Royce 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 Rolls Royce 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.

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What is Not Covered?

Depreciation: Depreciation of Rolls Royce 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: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.

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Rolls-Royce Insurance Add-On Covers

With basic coverage for your Rolls-Royce car insurance, you will not get protection against the various damages caused by rough terrain, potholes, etc. This is why IndusInd General Insurance offers a unique list of add-ons catered to your driving needs.

Nil Depreciation

Also known as bumper-to-bumper cover, this pays full claim value for plastic, rubber and fibre without depreciation. For a luxury brand like Rolls-Royce, it meaningfully reduces precision-repair bills.

Pay As You Drive

Ideal for occasional use. Premium is based on kilometres driven. Choose 2,500–10,500 km* with a 125 km* buffer; carry forward unused kilometres or top up when needed. This is perfect for luxury cars you occasionally take out..

Return to Invoice

Luxury cars like a Rolls-Royce come with a premium price tag. If your car is stolen or damaged beyond repair, this add-on ensures you are compensated based on the invoice, including the ex-showroom price, road tax, and registration charges.

Engine & Gearbox Protection

Whether it is heavy rain, an oil leak, or more, damage to Rolls-Royce engines can be a hefty expense. This add-on covers the high cost of engine repairs or replacement, so you do not have to worry about unexpected breakdowns.

Car Tyre Protection Cover

Potholes, bulges and poor road conditions can cause damage to Rolls-Royce tyres. Repair in such a scenario can put additional stress on your pocket. However, with this add-on, you will cover the repair or replacement costs for damaged tyres.

Key & Lock Replacement

Rolls-Royce high-end models, such as Spectre and Ghost, come with an advanced key system. If your key is lost, it results in high replacement costs. With this add-on, you will be covered for the cost to replace lost, stolen, or damaged keys.

Consumable Expenses

A premium car like Rolls-Royce requires precision repairs, which include using premium consumables like engine oil, brake fluid, nuts, and bolts. These usually aren’t covered under the base plan, so this add-on can help you minimise your out-of-pocket costs.

RIM Protection

Any damage to the elegant alloy wheels of Rolls-Royce can bring up additional charges, which might be heavy on your pocket. This add-on will cover that cost, which is generally excluded by most standard policies.

Roadside Assistance

From emergency towing and jump-starts to flat tyre changes, our roadside assistance has you covered around the clock. Whether you are on a weekend getaway or just heading to work in your Rolls-Royce, this add-on ensures help is just a call or tap away.

Personal Belongings

If valuable items that are more than ₹5,000* like your laptop, smartphone, or camera are stolen from your locked Rolls-Royce, this add-on has you covered. It is especially helpful for professionals who carry work gear or often park in busy or unfamiliar areas.

Daily Allowance Benefit

With the daily allowance benefit add-on, you will receive a daily allowance that covers the transportation cost if the repair of your Rolls-Royce at an authorised garage exceeds 3 days*. This daily allowance will cover the cost of bus and train fares.

EMI Protection Cover

This add-on is in place to cover the monthly car loan EMIs if the repair is taking more than 21, 42, or 63 days*. This is essential for Rolls-Royce owners who want to ease their financial stress during the extended garage stays.

No Claim Bonus (NCB) Retention Cover

With this add-on, you can retain the no-claim bonus even after filing a claim under your Rolls-Royce insurance. This is an especially useful add-on for Rolls-Royce owners who do not want to lose future premium savings.

Electric Motor Protect

This add-on covers the cost of repairing or replacing your Rolls-Royce electric vehicle in the event of damage from water ingress, overheating, or collision impact. The add-on is essential for protecting the heart of your luxury EV from unexpected repair bills.

EV Charger Cover

This add-on will cover the cost of repair and replacement of the Rolls-Royce Spectre charger from damages caused by power surges, rodent bites and more. This ensures that the charging set-up will remain operational.

EV Battery Protection

The Rolls-Royce Spectre batteries under this add-on will be protected against power surges, ingress, accidents, and other potential threats. The add-on will save from hefty out-of-pocket expenses in case of repair and replacement costs associated with the battery.

How to Buy and Renew

How to Buy/Renew Rolls Royce?

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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.

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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 Rolls-Royce Insurance Premium

There are various factors contributing to Rolls-Royce insurance prices, including car insurance type, vehicle specification, and more.

Your Rolls-Royce Car's IDV

The IDV or Insured Declared Value is the current market value of the Rolls-Royce car, which is essential for determining the claim amount and insurance premium. A higher IDV leads to a higher Rolls-Royce insurance cost. At the time of buying or renewing the insurance, you can adjust the IDV.

Car's Make and Model

The Rolls-Royce car make and model also play a key role in car insurance premiums. The engine capacity and fuel type help in deciding the premium. A higher engine capacity generally leads to higher car insurance costs.

Type of Coverage

When it comes to the Rolls-Royce insurance cost, the type of coverage also plays a key role. A third-party car insurance is generally low-cost, while the comprehensive plan has a higher premium because of all-around protection.

Add-On Covers

Adding an add-on to your plan can slightly increase the Rolls-Royce insurance cost. However, it can also mean more savings in the long run, especially if you’re opting for add-ons like an NCB retention cover, consumable cover or an engine protection add-on – since these significantly reduce your out-of-pocket expenses during claims.

Claim History

Claim history is another crucial factor in deciding the Rolls-Royce insurance cost. If you have not made any claim in the past year, you can get a no-claim bonus discount, which results in reduced premiums. Also, frequent claims signal a higher risk to insurers, resulting in a higher premium.

Installing Anti-Theft Devices

By installing an IRDAI-approved anti-theft device, you can get a reduced premium on Rolls-Royce insurance. This signals an additional layer of security against theft and other mishaps when parking in high-risk or unfamiliar areas.

How to File

How to File a Rolls Royce 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.

Rolls-Royce - Models and Prices

Rolls-Royce cars are available in multiple variants, each offering a distinct blend of performance, presence, and personalisation. These cars are designed for every kind of drive and every kind of driver.

Rolls-Royce Models	Price (as of August 2025)#
Rolls-Royce Cullinan	₹6.95 Crore onwards
Rolls-Royce Spectre	₹7.50 Crore onwards
Rolls-Royce Ghost Series II	₹8.95 Crore onwards
Rolls-Royce Phantom	₹9.50 Crore onwards

Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

Owning a Rolls-Royce car is a luxury not everyone can afford. Whether you are using a car for a weekend getaway or work, having it insured is essential. The possession of a property is not immune to the unexpected, such as accidents, floods, and other damages.

This is why having Rolls-Royce car insurance is crucial. With IndusInd General Insurance (previously known as Reliance General Insurance), you can start the insurance coverage at ₹308/month* along with access to 11,000+ network garages* across the country.

With our digital-first approach through the IndusInd Insurance app, you can initiate buying and renewing policies in just a few taps, anytime and anywhere. Get your Rolls-Royce car insurance with us now and enjoy the driving experience without any worry.

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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.

Rolls Royce insurance starting at just ₹308 per month*

Get full-circle protection for your Rolls Royce!

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

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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.

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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.

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Frequently Asked Questions (FAQs)

Is Rolls-Royce a 6-seater car?

No, Rolls-Royce cars are not standard 6-seaters. Most models like the Phantom, Ghost, and Cullinan typically come with 4 or 5 seats, focusing on luxury and spacious individual seating.

Are there discounts for Rolls-Royce insurance?

IndusInd General Insurance offers various discounts on Rolls-Royce insurance. Our no-claim bonus program rewards safe driving with substantial reductions in your Rolls-Royce insurance cost up to 50%. We also provide preferential rates for vehicles equipped with anti-theft devices (2.5% off) and for membership in recognised automobile associations (5% off*). Disclaimer: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.

What is Rolls-Royce's top speed?

Most Rolls-Royce cars have an electronically limited top speed of 250 km/h (155 mph). This includes models like the Ghost, Phantom, and Cullinan.

Can I transfer my Rolls-Royce Cullinan insurance?

Yes, IndusInd General Insurance facilitates the transfer of your Rolls-Royce auto insurance when selling your vehicle. Contact customer service with details of the new owner, and we will guide you through the transfer process, ensuring continuous coverage for the luxury automobile.