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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 paying e-challan online secure?

Yes, paying your e-challan online is completely secure. The Parivahan portal and Delhi Traffic Police website use trusted payment gateways to protect your transactions. Always make sure you are on the official government website before entering any details to avoid fake challan scams.

Can I contest or dispute a traffic challan in Delhi?

Yes, you can dispute a challan if you believe it was issued by mistake. You can easily raise a dispute online through the Parivahan portal by clicking the “Dispute” option next to the challan. You will need to submit supporting proof, like photos or GPS records, to back your claim.

Can I pay multiple challans at once?

Yes, you can pay multiple challans at once. When you log in to the Parivahan portal or the Delhi Traffic Police website and enter your vehicle number, all pending challans linked to it will show up together. You can then clear all of them in a single payment session.

What happens if a Delhi traffic challan remains unpaid for several months?

If you leave your challan unpaid for several months, it gets forwarded to the court, and you may receive a legal notice. Additional penalties get added on top of your original fine. In some cases, pending challans can also block services like RC transfer or licence renewal.

Can normal police cut a challan in Delhi?

Yes, regular police officers in Delhi have the authority to issue a challan if they catch you violating traffic rules. However, the challan is still generated digitally through the e-challan system. Only authorised officers with a valid e-challan device can officially issue and record a fine against your vehicle.

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