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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 ways of checking e-challan in Kerala?

In Kerala, you are able to view e-challan online through the Parivahan portal or via the Kerala Police official site with the help of the vehicle or licence number.

Does Kerala have any time restrictions on paying an e-challan?

Yes, when you have to pay your e-challan in Kerala, you have to pay it within 60 days of its issuance to avoid other late charges and fines.

What is the way to check an e-challan in Kerala?

On official portals, the details of e-challans can be verified in Kerala, i.e., the number of the vehicle, the type of violation, and the date.

Is it possible that foreigners pay an e-challan in Kerala?

Yes, foreign drivers can pay e-challan online in Kerala through vehicle registration number or the number of the challan.

What are some of the violations that lead to an e-challan in Kerala?

The prevalent crimes are speeding, running red lights, helmetless and seatbeltless riding, triple riding, and improper parking in Kerala.

What is the payment method for my e-challan in Kerala?

An e-challan payment in Kerala can be done online via Paytm or the Kerala Police site using a vehicle registration number or a challan number.

What will be the case when I fail to pay my e-challan in Kerala?

An e-challan that is not paid in time in Kerala can cause additional penalties, vehicle registration suspension, and a driving history.

Can I use my e-challan to get evidence in Kerala?

Yes, a major portion of e-challans in Kerala does have photographic evidence of the violation that arose with the traffic cameras to justify the violation notice.

Is my driving licence connected with e-challans in Kerala?

Yes, in Kerala, e-challans are connected with your driving licence and vehicle, and this enables the authorities to monitor violations with more precision.

Paying several e-challans in Kerala at a time?

Yes, it is possible to choose and make payments to several pending e-challans in Kerala with the help of the official portals and make transactions in one action.

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