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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)

How to check pending e-challan transactions?

If you have paid the e-challan in Assam, and you did not get the confirmation message. Then it might be that your transaction is still pending. In that case, you need to follow the steps. Visit the Parivahan e-Challan webpage. Click on the “Check Pending Transaction option. Fill out the challan details, vehicle number, etc and click on the “Submit” button. The pending status of the e-challan will appear on the screen.

How would I know if a challan has been issued under my name?

To know if the e-challan is issued under your vehicle name, you need to follow these steps. Visit the Parivahan e-challan webpage. Enter the vehicle number or driving licence number. After logging in, you will see a list of challans under your name. You can select the specific challan and verify details. If you want, you can also make a payment online.

What documents do I need to carry while driving in Assam?

Whether you are a first-time driver or a professional, before getting behind the wheel, you need to have the following documents in your vehicle. Copy of a driving licence. Copy of registration certificate Copy of motor insurance Pollution under control certificate

What are some road safety tips to avoid challans in Assam?

Following road safety rules in Assam is very crucial to avoid fines and penalties. Here are some common safety tips to follow: Always wear a helmet or seatbelt while on the road. Carry all vehicle-related documents, such as the driving licence and registration certificate, handy. Check your vehicle PUC certificate before getting on the road. Have a third-party motor insurance plan.

Can I avoid paying the traffic e-challan in Assam?

No, you can not avoid paying a traffic challan in Assam. If a challan is issued, you need to pay it on time to avoid late fees and other penalties.

Can not paying the e-challan affect my driving record?

Failing to pay your e-challan can definitely affect your driving record. If you don’t pay your traffic challan on time, the fines will increase with late fees and penalties. If it remains unpaid for a long time, the case can be transferred to a virtual court, which can lead to legal consequences like warnings, higher fines, or even imprisonment, depending on the offence. More seriously, authorities may suspend your driving license temporarily or reject license renewals until you clear the pending challan.

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