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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 check my e-challan status in Surat?

You can check your e-challan Surat status in the following steps: Visit the official E-Challan Parivahan Sewa website Click on the “Check Challan Status” option under “Check Online Services” Enter your e-challan number, vehicle registration number, or DL number Fill in the captcha code and click on the “Get Detail” button The status of your e-challan Surat will be displayed on your screen

How do I check pending or failed payment transactions?

Go to 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 on the “Get Detail” button to view the payment status of your e-challan.

What documents must I carry while driving in Surat?

Here are the five essential documents you must carry while driving in Surat: A valid driving license Registration Certificate (RC) A valid motor insurance policy Pollution Under Control (PUC) certificate Tax token

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

The process to pay your e-challan in Surat after the due date remains the same. You can make the payment online by visiting the e-challan parivahan portal. However, an additional fee or penalty can be imposed on the original violation fine.

How to download my e-challan payment receipt?

You can download your e-challan payment receipt at the time of making the payment. You can also download it later by visiting the e-challan parivahan portal, entering your e-challan number, and clicking on the “Get Detail” button. If the status of your e-challan is “Paid”, you will see an option to download the payment receipt.

What are the most common traffic violations in Surat?

The most common traffic violations in Surat include overspeeding, parking in restricted areas, riding two-wheelers without helmets, disobeying traffic signals, driving cars without seatbelts, using mobile phones on the move, and not carrying valid documents, such as a DL, RC, and insurance papers. These violations not only attract hefty fines but also endanger the safety of everyone on the road.

Where can I pay the Surat traffic challan offline?

You can pay your Surat traffic challan offline by visiting the nearest RTO or traffic police station. You can make the payment in cash at the counter and receive an official receipt as proof of payment. You can also pay via UPI, debit card, or credit card.

How can I avoid getting a traffic challan in Surat?

Follow all traffic rules to avoid getting a traffic challan in Surat. Always wear a seat belt while driving a car or a helmet while riding a two-wheeler. Stick to prescribed speed limits. Obey traffic signals, do not use your mobile phone while driving, and park your vehicle only in designated parking spots. Always carry the required documents with you while driving.

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

You must pay your e-challan in Surat within 60 days from the date of issuance. If you fail to pay your e-challan within the prescribed time limit, you may face an additional penalty and legal consequences. Repeated instances of non-payment can lead to the suspension of your vehicle registration, affecting your ability to drive legally.

Can I report an incorrect e-challan in my name?

Yes. You can report an incorrect e-challan online or offline. To report online, you can visit the e-challan parivahan portal and click on the “Complaint” tab. To report offline, you will need to visit the RTO or police station where the e-challan was issued.

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