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Short-Term Car Insurance

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

Short-term car insurance provides flexible coverage when you need protection for a limited time. Whether borrowing a friend's vehicle, renting a car for a weekend, or temporarily relocating for work, this policy offers security without a full-year commitment.

Unlike standard annual policies, short-term car insurance online can be purchased for durations as brief as one day or up to three months. This makes it practical and cost-effective for test-driving vehicles, learning to drive, or using someone else's car temporarily.

The coverage protects against accidents, natural disasters, theft, fire, and man-made calamities. Customise your policy duration: one day, one week, 15 days, one month, or three months, paying only for what you need.

Getting car insurance for a short period is straightforward with minimal documentation and a simple online process. Premiums are calculated based on policy duration, vehicle type and location.

IndusInd General Insurance (formerly Reliance General Insurance) offers comprehensive short-term car insurance plans with flexible durations, affordable premiums and instant activation.

Why 8 Crore+ Policyholders Choose Us?

Unlike traditional insurance providers, we put you at the center of our product design. From fast online claim reporting to pioneering pocket-friendly short term car insurance plans

15+ Add-ons Available*

We also offer EV-specific add-ons!

Easy to Buy, Renew & Claim*

All possible via the IndusInd Insurance app

Video Claims Feature*

File instant mobile claims via our app

24/7 Breakdown Assist*

Get quick support anywhere in India

What is Short-Term Car Insurance?

Short-term car insurance, also known as temporary car insurance, is a policy that provides insurance coverage for your car for a limited period. The duration can range from one day to three months.

It is a cost-effective option for individuals seeking car insurance coverage for the short term for several reasons. These include borrowing or renting a car for a few months, temporary relocation, learning to drive, etc.

Typically, a short-term car insurance policy is a good option if you need coverage for any time between one day and three months, compared to the standard one-year car insurance policy.

How Does Temporary Car Insurance Work?

Temporary motor insurance works similarly to a regular car insurance policy but offers the flexibility to meet your specific short-term requirements.

Simpler Purchase Process

By providing a few essential documents, you can buy short-duration car insurance or temporary monthly car insurance online in a few simple steps.

Flexible Policy Period

You can choose a policy period, ranging from one day to three months, that meets your specific requirements. The premium will be based on the length and level of your coverage.

Coverage

IndusInd General Insurance offers short/temporary car insurance coverage under own-damage car insurance policies. It covers a range of potential risks, such as accidents, natural disasters and man-made calamities.

Simpler Claim Process

By notifying us about the incident promptly and providing the necessary details, you can also benefit from a quick claim settlement.

Key Features and Benefits of Short-Term Car Insurance

Flexible Policy Period

You can choose between one day, one week, 15 days, one month or three weeks.

Discounts

In addition to affordable premiums, we offer discounts for online purchases, voluntary deductibles and more.

Quick Activation

You can purchase temporary car insurance online in a few simple steps.

Customised Solutions

You can choose the policy period, extent of coverage, and optional coverage to determine the best temporary car insurance for your specific requirements.

Own-Damage Coverage

We offer extensive coverage to secure your car against accidents, natural disasters and man-made calamities.

Add-Ons

We offer various optional covers to enhance the coverage for your short-term car insurance policy.

Cashless Repairs

We have a wide network of over 11,000+ garages across India for cashless repairs.

Hassle-free Claim Settlement

We extend a quick and seamless claim settlement process for short-term car insurance needs.

24/7 Customer Service

Our customer service team is dedicated to addressing your queries promptly at any time.

IndusInd Short-Term Car Insurance - Inclusions & Exclusions

Inclusions

Accidents: Covers the cost of repairing or replacing car parts due to road accidents.

Natural Disasters: Covers damages caused by natural disasters like earthquakes, floods, cyclones, etc.

Man-Made Calamities: Covers damages caused by man-made calamities like riots, vandalism, terrorism, etc.

Theft: Compensates with the Insured Declared Value of your car in case of theft.

Fire: Damages caused by fire, such as explosions and self-ignition

Transit: Damages incurred while transporting your car by roadways, railways, air or waterways.

Exclusions

Third-Party Coverage: Third-party injuries or death and damages to their property

Depreciation and Regular wear and Tear:Loss or damage due to depreciation and general wear and tear

Usage of Car: Using a private car for profit/for hire

Driving Without a Valid Licence: Damages incurred to the car when driving without a valid licence.

Drunk Driving: Damages incurred to the car due to driving under the influence of alcohol or drugs

Damage Due to War: Damages due to war, biochemical attacks, civil wars, nuclear explosions, invasions, mutiny and the like

Consequential Damages: Damages due to actions, such as attempting to start the engine in a flooded area or driving on the wrong side.

Violation of Policy Terms and Conditions: Damages caused by actions that violate the policy terms

Expired Policy: Compensation for damages claimed on an expired policy.

Disclaimer: Kindly go through your policy wordings for a detailed list of inclusions and exclusions linked here

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When Should You Buy Temporary Car Insurance?

A temporary car insurance policy can be purchased for various reasons depending on personal circumstances. It is especially important in the following scenarios:

Borrowing a Car

If you are borrowing a car from a friend or a family member for a short period, short-term car insurance or temporary monthly car insurance provides the required coverage.

Renting a Car

Although rental agencies might offer car insurance coverage, it can be minimal or expensive. With the best temporary car insurance, you can ensure a flexible, cost-effective and convenient solution in such scenarios.

Test Drives

When you take a car for a test drive, it is better to buy short-term auto insurance to financially protect yourself against unprecedented scenarios.

Temporary Relocation

When you are using another person’s car in a different location for business or any other purpose, temporary car insurance is highly essential.

Planning Immediate Resale

Temporary car insurance when buying a new car is also crucial if you want to resell it shortly after purchasing it.

How to Buy/ Renew Short-Term Car Insurance Online?

Buy Online

Go to top and provide your contact details and the car’s registration number.

Verify the car details, choose a suitable short-term car insurance plan and select add-ons if necessary. You can buy monthly car insurance online.

Pay the applicable premium and buy the temporary car insurance policy instantly.

Renew Online

Go to top page and click on ‘Renew Car Insurance Policy'.

Provide your mobile number or policy number to renew your temporary car insurance policy. Choose a suitable coverage and select add-ons if necessary.

Pay the applicable premium to renew your one-month car insurance

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Short-Term Car Insurance Cost

The short-term car insurance price can be calculated using the car insurance premium calculator available on our Car Insurance Online page. It is determined based on the following factors:

Policy Duration

The short-term car insurance price depends on the duration of coverage required, whether one day, one week, 15 days, one month or three months. The longer the policy period required, the higher the premium.

Type of Vehicle

The make, model and age of the car significantly impact the short-term auto insurance price. Expensive vehicles will attract a higher premium.

Risk factors

Location, driver’s profile, and purpose of usage can affect the short-term car insurance cost. For example, if you live in a low-risk area, you may have a higher chance of getting low-cost temporary car insurance.

Documents Required for Temporary Car Insurance

The documents required for temporary car insurance online can differ based on personal circumstances.some of the most essential documents required for short-term car insurance are listed below:

Car’s Registration Certificate

Valid Driver’s Licence

Proof of Identity - Aadhaar Card, Passport, etc.

Proof of Address - Aadhaar Card, Ration Card, Passport, etc.

Previous Insurance Details for No Claim Bonus, if applicable

Short Term Car Insurance Claim Process

IndusInd General Insurance offers both cashless and reimbursement claims for short-term car insurance plans.

Step 1

Notify us about the incident by calling us on our paid helpline number - +91 22 48903009 or using the IndusInd Insurance app. Gather the essential evidence and file a First Information Report (FIR), if necessary.

Step 4

Upon our approval, the repair work at the garage will start.

Step 2

Take your car to any of our network garages. Our surveyor will investigate the damage and discuss the repair costs with the garage owner.

Step 5

Upon completion, we will directly settle the bills with the garage.

Step 3

Submit the claim form and the supporting documents to the surveyor for the short-term car insurance claim.

Step 1

Notify us about the incident using any of the methods mentioned above. Gather the essential evidence and file a First Information Report (FIR), if necessary.

Step 4

Submit the claim form and other supporting documents, including bills and payment receipts.

Step 2

Take your car to any authorised garage of your choice.

Step 5

We will review your temporary driving insurance claim and reimburse you for the applicable expenses.

Step 3

Pay the applicable bills upfront out of your pocket.

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Documents Required for Short-Term Car Insurance Claim

Duly filled and signed claim form.

Short-term Car Insurance Policy

Copy of Registration Certificate

Proof of Identity and Address

First Information Report, if applicable

Copy of the driving licence

Repair bills and payment receipts

Advantages of One-Day Car Insurance

Cost-Effective

One-day car insurance provides essential coverage at an affordable premium for your short-term requirements.

Instant Coverage

One-day auto insurance coverage can be purchased online instantly in a few simple steps.

Minimal Documentation

One-day car insurance coverage can be purchased by submitting a few essential documents, such as the car’s registration certificate, proof of identity, and proof of address.

Flexibility

You can decide on the extent of coverage required under the 1-day car insurance

Applicable to Different Purposes

You can purchase the 1-day motor insurance policy for various purposes, such as for a borrowed car, rented car, etc.

Short-Term vs Long-Term Car Insurance

Differentiating Factors	Short-Term Car Insurance	Long-Term Car Insurance
Policy Duration	For one day, one week, 15 days, one month or three months	For one year, three years or five years
Coverage	Exclusive own-damage coverage	Own-damages and third-party injuries and property damages
Premium	Comparatively lower premium	Comparatively higher premium
Benefits	Ideal for short-term insurance coverage requirements	Ideal for continuous insurance coverage requirements
Who Should Purchase?	Individuals who borrow a car, rent a car, or use a car for any specific temporary needs.	Individual private car owners

Temporary Car Insurance For Rental Cars

Short-term car rental insurance is a great option for securing insurance coverage when renting a car.

Temporary rental car insurance provides flexible coverage based on the rental period, such as for one day, one week, 15 days, one month or three months.

This short-term or temporary monthly car insurance provides essential coverage for accidents, natural disasters, man-made calamities, and more.

Compared to standard car insurance policies and policies offered by rental agencies, the premiums for short-term plans are lower. It helps you save a lot of money while ensuring adequate coverage.

You can further customise it as per your specific needs by deciding the level of coverage and duration without the need for a long term commitment, such as temporary monthly car insurance.

You can purchase short-term or one-day car rental insurance online in a few simple steps. The documentation is minimal, and the process is almost instantaneous.

Key Takeaways

Car insurance is essential to safeguard against accidents, theft and damage. It protects you against financial difficulties in unexpected situations, so proper car coverage is crucial and typically required whether you own or rent one.

We understand that different situations require different solutions. That's why at IndusInd General Insurance (formerly Reliance General Insurance), we offer flexible short-term car insurance plans tailored to your specific needs.

Our key advantages include flexible policy durations from one day to three months, affordable premiums with attractive discounts, instant online activation, customisable coverage options, comprehensive own-damage protection, valuable add-ons to enhance your policy, access to over 11,000+ cashless garages across India, quick and seamless claim settlement and 24/7 dedicated customer support.

Ready to secure your vehicle? Calculate your premium instantly using our online calculator and purchase your policy in just a few simple steps.

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 tailored protection with us!

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

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Total Average Rating

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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)

Why choose short-term car insurance?

Short-term car insurance is essential when you need insurance coverage for a car for a short period. You can purchase it for one month or upto three years in a few simple steps. It provides extensive coverage for the car’s own damages against various potential risks at an affordable rate.

Is car insurance only for 1 year?

No, short-term car insurance can be purchased for a policy duration of one day, one week, 15 days, one month or even three months.

What are the eligibility criteria for purchasing a temporary car insurance policy?

Individuals aged 18 to 25 years with a valid driver’s licence can buy a short-term car insurance plan. If you are learning to drive, it is essential to have a valid learner’s licence and to be accompanied by someone with a permanent driver’s licence. In the case of borrowing a car, individuals aged 17 to 30 can buy a short-term car insurance plan.

Can we get 1-month car insurance?

Yes, IndusInd General Insurance offers short-term auto insurance for a 1-month policy duration. You can buy our monthly car insurance online in a few simple steps.

What is the minimum period for which you can insure a car?

The minimum period for which you can insure a car is for one day.

Which insurance is best for a car?

The best insurance for your car will depend on various factors, such as its age, make and model, location, extent of coverage required, policy duration and more. To identify the right policy, compare the different policies based on their features, coverage limits and premium quotes.

What does short-term car insurance cover?

Short-term car insurance covers damages to the insured car against various risks such as accidents, natural disasters, man-made calamities, and more.

Can I get a one-day car insurance policy?

Yes, you can get a car insurance policy that offers coverage valid for up to one entire day. You can consider buying it for many purposes, such as when you go on a one day trip, renting a car for one day, etc.

Is it possible to add multiple cars to a short-term car insurance policy?

Yes, multiple cars can be added to a short-term car insurance policy. However, the short-term car insurance cost will increase based on the number and types of cars included.

Can I renew a one-month car insurance policy?

Yes, you can renew a 1-month car insurance policy online in a few simple steps.

Is it compulsory to inform your existing insurance provider if you purchase short-term car insurance from another company?

No, it is not compulsory to inform your existing insurance provider if you purchase a short-term car insurance plan from another insurer. However, if you have borrowed a car, it is essential to inform the owner about the temporary car insurance coverage.