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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 consequences if multiple Hyderabad Challans remain unpaid for a long period of time?

If multiple challans are pending from your side, then you might face legal troubles. The case can escalate to court, and the authorities may block your registration certificate and driving license. In certain cases, the repeat defaulters may face strict enforcement during checks and vehicle seizure risk as well.

Can I be fined if someone else is driving my vehicle at the time of the violation?

Yes, the challan is not issued against the person. It is issued against the vehicle. So if somebody is driving your vehicle and violates any law. Then a challan will be issued against your vehicle. Hence, it becomes your responsibility to pay the fine and legally contest it with proper evidence.

Can a challan affect your insurance claims or premiums?

While it does not affect the insurance claim directly, but indirectly, yes! The challan doesn’t directly change the premiums, but repeated violations indicate rash driving behaviour, and this is considered by the insurers at the time of renewals.

Can multiple traffic violations be issued in a single instance of driving?

Yes, for instance, rash driving while not wearing a seatbelt and using a phone can result in multiple challans. Each violation is treated separately. Hence, the total penalty amount increases significantly.

Can I pay a part of my E-Challan and pay the remaining later?

No, E-Challan must be paid in a single instalment. Partial payments are not allowed. Also, the incomplete settlements do not clear the violation from the system, so it is advisable to pay the E-Challan all at once.

How to avoid traffic fines and penalties in Hyderabad?

To avoid traffic fines and penalties in Hyderabad, you must consider the following points. Always wear a helmet and seatbelt. Make sure to keep original as well as copies of your driving license and registration certificate. Avoid drinking and driving. Do not use a phone while driving. Follow signals and the zebra Crossing. Maintain a consistent speed and adhere to the speed limit.

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