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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)

What are the most common traffic violations in Bihar?

The most common traffic violations in Bihar are driving without a valid driving license, overspeeding, not wearing seat belts in cars and helmets on two-wheelers, parking in ‘No Parking’ zones, talking on the mobile phone while driving, driving without proper documentation, such as an insurance policy or PUC, and jumping red lights.

Where can I pay a Bihar traffic challan offline?

It is possible to pay a Bihar traffic challan offline by visiting a local traffic police station. You can also go to the court mentioned in your challan notice, especially if it’s a court challan. Remember to carry your identity and address proof, driving license, vehicle registration details, and challan notice.

How can I avoid getting a traffic challan in Bihar?

Avoid getting a traffic challan in Bihar by following a few important guidelines: drive within speed limits, don’t skip red lights, always wear your seatbelt, avoid using mobile phones while driving, keep vehicle documents updated, and park in designated parking spots. You won’t be charged any fines and penalties if you follow all traffic laws.

What happens if I do not pay my e-challan in Bihar on time?

There are many consequences of not paying the e-challan within 60 days. First, a police constable may come to your registered address to collect the challan. If you are unable to pay the challan, you are sent a court summons and called for clarification. At this stage, if you fail to appear in court, your license is suspended.

Am I liable to a fine if I don’t have a motor insurance plan?

Yes. If you are caught driving by the Bihar traffic police without a valid motor insurance plan, you must pay a fine of ₹2,000 for the offence.

How can I check my e-challan status in Bihar?

Here’s the step-by-step guide to check the status of your e-challan in Bihar: Go to the official e-challan Parivahan Sewa website. Fill in the driving license or vehicle registration number and the captcha code. Click on ‘Search’ to view your vehicle’s pending challans, the fine details, and payment options.

How do I check pending or failed payment transactions?

To check pending or failed payment transactions, go to the Parivahan website and enter your vehicle registration or challan number along with the captcha. Click on “Get Details” to fetch complete payment status information.

What documents must I carry while driving in Bihar?

Documents you must carry while driving in Bihar include a valid driving license, insurance policy, vehicle registration certificate (RC), and a pollution under control (PUC).

Who can issue traffic challans in Bihar?

The Bihar traffic police can issue traffic e-challans. You will receive them on your registered mobile number along with a hard copy delivered to your address.

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