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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 to do if the payment of the e-challan in Ludhiana fails?

If you think that your e-challan payment has failed, then you can verify the same by visiting the Parivahan e-challan page. Here is how you can do it. Visit the Parivahan e-challan page and click on the “Failed Transaction” option. Enter the challan, vehicle or driving licence number. Enter the captcha code and click on the “Get Details” option. The status of the failed transaction will appear on the screen. After knowing the status, you can retry the transaction again after some time, and if the payment retry is not helpful, then you can reach out to the customer support for the same.

Can I pay the e-challan in Ludhiana after the due date?

Generally, vehicle owners in Ludhiana are given 90 days' validity to pay the e-challan. However, if you forgot to pay the e-challan on time for some reason, you will need to pay the late fees in addition to the actual fine amount.

Can I appeal against the wrongly issued challan?

Yes, you can appeal against a wrongly issued challan. The proper way to do this is to file a complaint through the Parivahan e-challan grievance system. If your complaint is rejected or you don’t get a response, you can escalate it by emailing the helpdesk or visiting the nearest RTO or traffic police station. For serious matters, legal advice can also be sought to appeal in court.

Can I obtain the challan if I disobey the traffic police's orders?

Yes, not following the traffic authority order is a violation of the traffic law under Section 179(1) and can invite fines from the authority. In most cases, vehicle owners need to pay ₹500 for the first offence and ₹1000 for a repeat offence.

What are some tips to follow while driving in Ludhiana?

While driving in Ludhiana, there are some tips vehicle owners need to keep in mind to avoid traffic challans. These tips are: It is crucial to follow the traffic signals while driving on the road. Always wear a seatbelt while driving. Avoid using mobile phones while driving. Always carry all the vehicle-related documents, such as a driving licence, etc, in the vehicle. Do not drive the vehicle beyond the specified limit. Always check if the documents you are carrying are valid, such as insurance or a PUC certificate.

Is it possible to get multiple challans for the same traffic rule violation?

No, it is not possible to get multiple challans for the same traffic violation. Usually, one challan is issued for a specific traffic rule violation. However, if, due to a system or technical error, multiple challans are issued, then you need to file a complaint using the Grievance Redressal service.

Can I pay the e-challan in Ludhiana offline?

Yes, you can pay the e-challan in Ludhiana by visiting the traffic police office. Here are the steps to pay a traffic challan offline: Visit the nearest traffic police office in your area from where the challan has been issued. After reaching the office, ask the official about the traffic challan payment. Provide the issued challan and other documents to the authorities, such as the driving licence, vehicle RC, etc. The official will check the entry in their system and confirm, and then ask you to pay the challan fee. Make a challan payment using either the cash mode or other digital payment methods, such as UPI, QR code, or credit card. Once done, collect the payment receipt from the authorities for future reference.

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