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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 documents should I carry while driving or riding a vehicle in Karnataka?

Here is a list of documents that you need to carry while driving in Karnataka. If you do not have their original physical copy, their digitalised copies in DigiLocker or mParivahan also suffice. Driving License Registration Certificate Emission Test Certificate / Pollution Under Control Certificate. Insurance Certificate Fitness Certificate, Permit and tax paid certificate (in case of transport vehicles)

How to avoid getting an online challan in Karnataka?

You can avoid getting an e-challan in Karnataka by strictly following all the traffic rules. Make sure to: Wear your helmet/seatbelt. Drive within the permitted speed limit. Do not use your phone while driving. Carry a digital or physical copy of your vehicle registration. Carry your driving license with you Do not jump signals. Do not drive under any influence. Do not triple ride on a two-wheeler. Do not park illegally.

What are the consequences of not paying my e-Challan in Karnataka?

Not paying your e-Challan in Karnataka can lead to serious consequences, such as: Late fee penalty: It is calculated for every day your challan remains pending after the initial 60 days of the deadline. Virtual Court Summons: If your e-Challan is transferred to a virtual court, you will be required to attend an online hearing. License Suspension: Multiple unpaid challans can result in a temporary suspension of your driving license. Vehicle Impounding: If you have violated multiple traffic rules and evaded multiple challans, your vehicle can be seized.

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