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Motor Insurance - Disclaimer

Disclaimer: Motor insurance is subject to policy terms, exclusions and underwriting guidelines. Premiums and discounts vary based on vehicle details and coverage selected.

Premium: The vehicle insurance premium is paid for the coverage against the risk associated with owning and operating a vehicle, such as accidents, theft or damage. Insurance premiums vary based on the vehicle’s make, model, variant, cubic capacity, geographical location, vehicle age, policy tenure & the IDV of the vehicle. The premium mentioned for car insurance excludes applicable taxes. T&C Apply. 

Discount: The discount depends on factors such as vehicle specifications, age, and geographical location. Discounts are calculated on Basic Own Damage Premium and apply exclusively to the Own Damage component. Additionally, our add-ons such as IndusInd Limit Sure Pay As You Drive & Preferred Network Garage Benefit offer further discounts on the insurance premium. T&C Apply. 

8 Crore+ Policyholders: Figures are applicable to FY 2025–26. The numbers include Health, Personal Accident, Overseas Travel, and Domestic Travel.

Applicable UINs:

IndusInd Private Car Policy - Bundled - IRDAN103RP0001V03202425

IndusInd Private Car Policy - Stand-alone Own Damage - IRDAN103RPMT0004V03202425

“A” Policy for Act Liability Insurance - IRDAN103RP0003V01200102

“A” Policy for Act Liability Insurance (Private Car) - 3 Years - IRDAN103RP0003V01201819

IndusInd Two-Wheeler Package Policy - IRDAN103RP0011V02100001

IndusInd Two-Wheeler Policy (Bundled) - IRDAN103RP0003V04202425

IndusInd Two-Wheeler Policy - Stand-alone Own Damage - IRDAN103RPMT0024V02202425

"A" Policy for Act Liability Insurance (Two Wheeler) – 5 years - IRDAN103RP0004V01201819

Third Party long-term 2 & 3 year Two Wheeler Insurance Policy - IRDAN103RP0009V01201415

IndusInd Commercial Vehicles Package Policy - IRDAN103RP0012V02100001

See Car Insurance Disclaimer for details.

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Frequently Asked Questions (FAQs)

Is it possible to pay multiple challans at once?

Yes, you can choose and pay for multiple challans in a single transaction. All you need to do is check the boxes next to the challan that you want to pay for. Then, the system will calculate the total amount that you need to pay, including the applicable service charges.

What are the most common violations that lead to E-Chalaan generation in Ahmedabad?

Some of the common violations that lead to the generation of an E-challan in Ahmedabad are speeding, jumping a signal, not wearing a seatbelt or helmet, illegal parking, or even using a mobile phone while driving. These violations are generally detected by the cameras or the on-ground enforcement authorities.

Is there any difference between private vehicles challan and commercial vehicle challan?

Yes, the fine for commercial vehicles is generally higher than the fine for private vehicles. They may also need certain additional documents and compliance checks, mainly for fitness-related issues and permits.

How long does it take to clear a challan?

The online challans are generally cleared within 48 hours of successful payment. However, the court can take up to 45 days as they need manual processing through the court system. You can keep track of the status of your payment in real time online.

Can I get a discount on the E-Challan payment in Ahmedabad?

Generally, the discounts are not available on payment of the E-Challan. However, in certain cases, like Lok Adalat settlements, your fine can be reduced. But these opportunities are limited, and they are announced occasionally by the authorities.

Is it possible to check E-Challan details without a Challan number?

Yes, you can check your E-Challan details using your driving license number or vehicle registration number. The system will show all linked violations, including paid and pending challans, along with your basic details.

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