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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)

Can I pay the e-challan in Tamil Nadu in installments?

No, you cannot pay your e-challan in Tamil Nadu in installments. You need to pay the full traffic fine in one go. However, you have the flexibility to pay a traffic challan online and offline.

What are the legal consequences of not paying a challan in India?

If you do not pay the e-challan in India within a stipulated timeframe, then you may have to deal with the following consequences such as: Traffic police are visiting your home to collect fines. Summons issued by the court. Suspension of the driving licence until all the dues are cleared.

What if I forgot to cancel the wrongly issued e-challan in Tamil Nadu?

As soon as the wrong e-challan is issued, you need to get it cancelled via the official channel, which is either visiting the traffic police website or visiting the office. If it is not cancelled in time, the fine will be levied against your vehicle.

Can I check my failed e-challan transaction?

If due for some reason, your payment for the e-challan failed, and you did not get the confirmation message of the e-challan payment. Then you can check its status by following these steps. Go to the Parivahan e-challan page. Click on the “Check failed Transaction” option. Enter the challan number or vehicle number. Add the captcha code and click on the “Get Details" button. The failed translation status will appear on the screen.

How beneficial is e-challan in Tamil Nadu?

The e-challan system in Tamil Nadu offers several key benefits that improve both citizen convenience and traffic management efficiency: Convenient Payment: Vehicle owners can easily check and pay traffic fines online from anywhere, eliminating the need to visit police stations or RTO offices. This saves time and effort. Transparency: Every traffic violation and fine payment is digitally recorded, reducing the chances of corruption or manipulation and ensuring clear records for motorists. Faster Enforcement: The digital system accelerates the process of issuing fines and collecting penalties, enabling more effective enforcement of traffic rules. Accurate Tracking: E-challan data enables authorities to identify repeat offenders and analyse traffic violation patterns, thereby improving road safety.

What are the documents required to file a wrong e-challan complaint?

If a wrong challan is issued against your name, then you can easily file a complaint using the grievance system. To file a complaint, you need to have the following documents: Copy of the wrongly issued challan with a challan number Copy of driving licence Photos and videos of innocence. GPS logs, parking tickets and toll receipts to verify your claim. Any other document requested by the authorities.

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