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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 is the meaning of e-challan?

An e-challan is a digital challan issued by the Odisha Traffic Police or RTO for traffic rule violations. These may include overspeeding, signal jumping, or riding without a helmet. Unlike traditional paper challans, e-challans can be easily tracked online and paid securely through digital platforms.

Where can I pay the Odisha traffic challan offline?

You can pay your Odisha traffic challan offline by visiting the nearest RTO (Regional Transport Office) or the traffic police station where the challan was issued. Payments are usually accepted in cash or via UPI. In addition, selected banks and kiosks across Odisha also provide challan payment facilities.

How can I avoid getting a traffic challan in Odisha?

The simplest way to avoid a traffic challan in Odisha is to drive responsibly and follow all traffic rules. Always wear a helmet on two-wheelers and fasten seatbelts while driving a car. Stick to speed limits, obey traffic signals, and never use your mobile phone while driving. Park only in authorised parking spots and carry the necessary documents with you at all times.

What happens if I do not pay my e-challan in Odisha on time?

If you do not pay your e-challan in Odisha within the 15-day deadline, you could face an additional penalty, legal trouble, or even have your licence or vehicle registration suspended. Frequent delays or non-payments may also affect your driving record.

What are the most common traffic violations in Odisha?

The most common traffic violations in Odisha include overspeeding, signal jumping, riding two-wheelers without helmets, driving without 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.

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

You will receive an instant text message on your registered mobile number whenever you are issued an e-challan in Odisha. You can also check your e-challan status online by visiting the Parivahan portal.

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

Simply go to the e-challan Parivahan portal, click on “Check Challan Status” under “Check Online Services”, and a new window will appear. Enter your challan number, vehicle registration number, or driving licence number, then click “Get Detail” to view your e-challan status.

How do I check pending or failed payment transactions?

You can check the status of your pending or failed challan payment online. Visit the e-challan Parivahan portal and click on the “Check Challan Status” option. Enter your e-challan number, vehicle registration number, or DL number, fill in the captcha code, and click “Get Detail” to see the status of your payment.

What documents must I carry while driving in Odisha?

You must carry these key documents either physically or in digital form while driving in Odisha - your vehicle’s registration certificate (RC), insurance copy, tax token, PUC (Pollution Under Control) certificate, and your driving license. Failure to produce any of these documents during checking can result in a traffic challan or fine.

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

The process to pay your e-challan even after the 15-day deadline remains the same. You can make the payment online via the e-challan Parivahan portal or offline at the respective RTO or traffic police station.

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