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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 is the meaning of e-challan?

An e-challan refers to the digital challan or fine issued by the traffic police or RTO for violating a traffic rule, such as overspeeding or signal jumping. Unlike paper challans, e-challans are easier to track online and can be paid securely through digital payment methods.

Where can I pay the Gandhinagar traffic challan offline?

You can pay your Gandhinagar traffic challan offline by visiting the RTO (Regional Transport Office) or traffic police station where the challan was generated. They generally accept cash and UPI as payment modes. You can also pay your traffic challan online through dedicated kiosks and banks in Gandhinagar.

How can I avoid getting a traffic challan in Gandhinagar?

The best way to avoid getting a traffic challan is to follow all traffic rules. Always wear a helmet while riding a two-wheeler and seatbelts while driving a car. Respect speed limits and obey traffic signals judiciously. Never use your mobile phone while driving or riding, park your vehicle only in designated parking spots, and always carry the essential documents with you while driving.

How to pay the e-challan in Gandhinagar after the due date?

Even if you miss the 60-day deadline, the process to pay your e-challan in Gandhinagar remains the same. It means that you can make the payment online through the e-challan Parivahan portal or the Gujarat VISWAS e-challan portal. You can also pay offline at RTO offices, traffic police stations, and banks.

What are the most common traffic violations in Gandhinagar?

The most common traffic violations in Gandhinagar include overspeeding, illegal parking, riding without helmets, jumping signals, driving without seatbelts, using mobile phones while driving, and not carrying essential documents like a DL, RC, or insurance. Staying alert and following road safety rules can help you prevent these violations.

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

You can easily check your e-challan Gandhinagar status online. Just visit the e-challan Parivahan portal and click on the “Check Challan Status” option under “Check Online Services”. A fresh window will open, where you can enter your e-challan number, vehicle number, or DL number, and click on the “Get Detail” button to view the status of your e-challan.

How do I check pending or failed payment transactions?

If your challan payment didn’t go through, you can check the status online. Go to the e-challan Parivahan portal and click on the “Check Challan Status” option. Enter your e-challan number, vehicle registration number, or DL number, fill in the captcha code, and click on the “Get Detail” button to view the payment status.

What documents must I carry while driving in Gandhinagar?

Always carry these five documents with you when driving in Gandhinagar - your vehicle’s registration certificate (RC), insurance copy, tax token, PUC (Pollution Under Control) certificate, and your driving license. Missing any of these documents can result in a traffic challan or penalty.

How to download my e-challan payment receipt?

You can instantly download your e-challan payment receipt when you make the payment. If you’ve missed it, you can also download your e-challan payment receipt later by visiting the e-challan parivahan portal, entering your e-challan number, and clicking on the “Get Detail” button. You will see the option to download the payment receipt for all “Paid” e-challans.

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