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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)

How do I know if I have been issued an e-challan in Maharashtra?

Whenever an e-challan is issued in your name or vehicle number, you will receive a text message on your registered mobile number. You can also check the list of pending e-challans by visiting the e-challan Parivahan portal.

Where can I pay the Maharashtra traffic challan offline?

You can pay your Maharashtra traffic challan offline by visiting the respective RTO or traffic police station that issued the challan. Payments are generally accepted in cash or UPI. Certain banks and payment kiosks across the state also facilitate offline e-challan payment services.

What documents must I carry while driving in Maharashtra?

You must carry these five documents while driving in Maharashtra: Registration Certificate (RC) of your vehicle A valid driving license A valid motor insurance copy PUC (Pollution Under Control) certificate A valid tax token Missing any of these documents during a traffic police check may result in a fine or challan.

What to do if my e-challan still appears after the payment?

Download the payment confirmation receipt once you’ve completed an e-challan payment. If it’s still shown as “Active”, you can raise a complaint by visiting the e-challan Parivahan portal, clicking on the “Complaint” tab, and uploading the supporting evidence.

What are the most common traffic violations in Maharashtra?

The most common traffic violations in Maharashtra include overspeeding, signal jumping, not wearing helmets on two-wheelers, neglecting seatbelts, using mobile phones while driving, and illegal parking. Many drivers are also fined for not carrying mandatory documents, such as a driving licence, registration certificate, or valid insurance. The easiest way to avoid a traffic challan in Maharashtra is to drive safely and follow all traffic rules. For example, always wear a helmet when riding two-wheelers and seatbelts in cars. Do not cross speed limits, obey traffic signals, avoid using your mobile while driving, and park your vehicle only in authorised parking areas. Carry all mandatory documents with you while driving.

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

You can check your e-challan status in Maharashtra by visiting the e-challan Parivahan portal. All you have to do is enter your e-challan number, vehicle’s registration number, or driving license number, and then click on the “Get detail” button. Your e-challan status will be displayed on your screen.

How do I check pending or failed payment transactions in Maharashtra?

You can verify the payment status of your e-challan in Maharashtra by visiting the e-challan Parivahan portal. Click “Check Challan Status,” enter your e-challan number, vehicle registration, or driving licence number, complete the captcha, and hit the “Get Detail” button to view the payment status.

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

The process to pay an e-challan in Maharashtra after the due date remains the same. It means that you can either visit the e-challan Parivahan portal or the Maharashtra Traffic Challan website to pay your fine online. Alternatively, you can visit the respective RTO or traffic police station for offline payment.

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