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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 can I pay my e-challan in Chennai offline?

Ans. If you want to pay your e-Challan in Chennai offline, you can visit your nearest police station. Most police stations have a dedicated e-Challan desk where you can make the payment using cash or a cheque. In case there is no dedicated desk, head to their front desk, show your e-Challan SMS/email, and they will allow you to make the payment.

How can I avoid getting an e-Challan in Chennai?

Ans. You can avoid getting an e-Challan in Chennai by strictly following the traffic rules of the city. Here are some points you should remember. Do not break the speed limit. Always wear your seatbelt/helmet. Do not triple ride on a two-wheeler. Always carry your driving license and RC booklet. Follow the traffic lights. Park only in designated parking spots. Avoid using your phone while driving. Never drive under the influence of any substances.

Is it safe to make online payments for my e-Challan?

Ans. As long as you make the payment through trusted online sources, it is completely safe. We recommend using Parivahan or e-Challan Parivahan portals as they are government platforms. To avoid visiting different state websites, you can directly access these portals to settle e-Challans issued anywhere in India. Alternatively, you can use PayTM, Google Pay, or your net banking portals to safely pay your fine.

Can my driving license get suspended if I don’t pay my e-Challan?

Ans. Yes, if you do not pay your e-Challan within 60 days, it can lead to the suspension of your driving license. However, in most cases, you are first summoned by the court and levied with an extra fine to settle your case, but if you still don’t comply, the judge may order license suspension.

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