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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 can I view my e-challan in Punjab?

You can view your e-challan in Punjab by visiting the Government of Punjab's or the Punjab Police website using your vehicle or license details to get instant results.

How do I make the payment for my e-challan in Punjab?

You can pay your e-challan in Punjab online through the government portal with your vehicle registration or e-challan number securely.

What happens if I don't pay my e-challan on time?

If you do not pay your e-challan within the specified time limit, you will incur additional fines, have your vehicle registration suspended, and have your driving record flagged by the Punjab e-challan rules.

Will I receive evidence along with my e-challan?

Yes, you will receive photo support from the traffic monitoring cameras for most e-challan notices in Punjab as part of your e-challan for transparency.

How long do I have to pay an e-challan in Punjab?

You must pay within 60 days to avoid penalties for not paying your Punjab e-challan through official payment channels.

Can I check the status of my e-challan in Punjab?

You can check the status of your e-challan in Punjab by using the online government portal using your e-challan number, vehicle registration number, violation and date of violation information.

Can a foreign national pay their e-challan in Punjab?

Foreign nationals can complete payment of their e-challan in Punjab online, using their vehicle registration or e-challan number, without any problems.

What traffic violations result in an e-challan?

The most common traffic violations that result in e-challans in Punjab are speeding, traffic light violations, not wearing a helmet, and improper parking.

How to dispute a wrong e-challan in Punjab?

File an online grievance or visit a station with proof for resolution.

Are e-challans linked to my driver's license?

Yes, you can check your e-challan by linking your driver's license and vehicle registration for accurate tracking.

Can I pay multiple e‑challans at once?

Select and pay several via e-challan check Punjab in one go.

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