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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)

Who decides the traffic fines in Mehsana?

Ans. The Gujarat government, precisely the Commissionerate of Transport, Gujarat, decides the traffic fines for the entire state, including Mehsana. These fines are applicable all over the state, and you can check the complete list of traffic fines on their official website by clicking here.

How can I avoid getting an e-Challan in Mehsana?

Ans. You can avoid getting an e-Challan in Mehsana by diligently following all the traffic rules laid down by the state government. Here are some rules that you can keep in mind. Do not break speed limits Don’t triple-ride on a two-wheeler Don’t drive/ride without seatbelts/helmets Do not drive under the influence of any intoxicating substance Do not use your phone while driving Do not jump traffic lights Do not ignore the traffic signs installed on the roads Do not drive if you don’t have a valid license Do not drive an unregistered/uninsured vehicle

Can I be fined for not carrying the necessary documents while driving?

Ans. Yes, you can be charged with an e-Challan if you fail to provide your necessary documents when asked by the traffic police. Here is a list of those documents. Driving license Vehicle RC Pollution under cotnrol certificate Valid insurance policy Vehicle fitness certificate P.S you don’t need to carry the physical copies of all these papers. Even if you are able to present digital copies in DigiLocker, there would be no issue. However, in case of failure, you can be charged with a fine of ₹500 for the first offence and ₹1000 if you are caught subsequently, anywhere in Gujarat.

How safe is it to make e-Challan Mehsana payments online?

Ans. As long as you make your online e-Challan payments through recognised or government portals, it is fully safe. Here is a list of some government websites that facilitate safe e-Challan payments online. Parivahan e-Challan Parivahan Gujarat Police e-Challan Additionally, you can also use PayTM, Google Pay and your own net banking accounts to make the payment. However, not all banks provide this facility.

Can the Mehsana police really cancel my driving license if I don’t pay my e-Challan in Mehsana?

Ans. Your driving license can be suspended if you do not pay your e-Challan fine after 60 days. However, it is not cancelled by the Mehsana police. Instead, it is ordered by the traffic court if you do not pay your fine after repeated reminders.

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