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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)

Does an unpaid e-challan affect my vehicle's fitness certificate renewal?

It can, pending fines linked to your vehicle, come up during renewal checks. It is always a good idea to do a traffic challan check in Bangalore before applying for any vehicle-related certificate or document to avoid last-minute rejections or delays at the RTO office.

Will I get a notification when a new online challan in Bangalore is issued against my vehicle?

Not always. Notifications are not guaranteed, which is why it is a good habit to check Challans in Bangalore periodically on your own. Regular checks on the Parivahan portal or mParivahan app ensure you never miss a pending fine or let dues pile up unknowingly.

Can I contest a Bangalore e-challan if I was not driving the vehicle at the time?

Yes, you can. If someone else was driving your vehicle when the violation was recorded, you can raise a dispute through the Parivahan portal. Submit proof showing you were not behind the wheel, and the authorities will review your case before taking any further action.

Is there a mobile app to check challans online in Bangalore?

Yes. The mParivahan app lets you check challans online in Bangalore directly from your phone. Just enter your vehicle registration number or driving licence number to see any pending fines. The app also lets you download your virtual RC and driving licence for everyday use.

Is motor insurance mandatory even if I only drive occasionally in Bangalore?

Yes, it is, the law applies to every vehicle on the road, regardless of how often you drive. Even occasional drivers must carry valid third-party insurance at all times. Getting caught without it means fines and possible licence suspension, no exceptions.

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