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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)

Why do you need to pay an e-challan in Nagpur?

Paying an e-challan in Nagpur is a necessity to avoid legal and financial repercussions. Here’s why: Legal Obligation: An e-challan is a legally binding fine for a traffic violation that must be paid to avoid further legal action. Increased Penalties: Unpaid e-challans can result in the fine amount increasing over time due to late fees and additional penalties. Driving Licence Issues: A record of unpaid e-challans can lead to the temporary suspension or even permanent cancellation of your driving license. Risk of Vehicle Impoundment: Nagpur traffic police may impound a vehicle with a large number of unpaid e-challans from a habitual offender.

Can I settle my e-challan in Nagpur offline?

Yes, you can settle the e-challan in Nagpur offline as well. For the same, you need to follow the steps mentioned below: Visit the nearest RTO office with the e-challan and other relevant documents. Ask the official for the procedure for paying the e-challan. Fill out the form if any and submit it to an official along with other documents. The official will verify the challan and ask you to make payment at the payment counter. Make a payment for the issued e-challan using a preferred payment gateway, such as UPI or QR code. Once done, collect the payment receipt for future reference.

Can I link my registered number for e-challan payment in Nagpur?

Yes, you can link your number for online e-challan payment. The number is used by the authority to check the e-challan status and update it directly on your mobile phone. Here is how you can do it. Go to the Maharashtra e-challan page and click on the 'Mobile Number to Vehicle Number' option. Enter your vehicle number and then your mobile number. Submit the captcha code, and then you will get the OTP. After entering the OTP, your number will get registered with the vehicle, and you will get the updates.

Can I avoid the Traffic e-challan in Nagpur?

Yes, you can avoid the traffic e-challan in Nagpur by following the traffic safety rules and regulations. Here are some tips to avoid traffic fines, such as: Always follow the traffic signals' instructions. Carry your vehicle document with you. Do not rashly drive or drive beyond the speed limit. Avoid using mobile phones and other electronic devices while driving. Always wear a seatbelt and helmet while on the road.

Can I still receive an e-challan even if I was not present at the incident?

Usually, the e-challan is issued against the vehicle. By capturing the vehicle's details, a challan has been sent to the vehicle owner. So, technically, it is possible to get a challan if you are not present at the incident, but your vehicle is. However, if you think the wrong challan has been issued, then you can file a complaint to the authorities using a Grievance portal.

Can I check my transaction history of the e-challan?

Yes, you can check the challan transaction and history by logging in to your account. For that, you need to follow the steps mentioned below. Go to the Maharashtra e-challan webpage. Enter the vehicle number and challan number, and click the “Submit” button. Once logged in, click on the "Transaction" tab to check the history.

If I have provided the wrong information to traffic authorities, what would happen?

Providing false information to traffic authorities is a serious offence that can lead to significant legal consequences. The specific penalties depend on the nature of the misinformation and the intent behind it.

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