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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 to do if, after making payment for the challan, it is still appearing?

If you have paid the challan on time and it is still appearing under your name, then you can raise a complaint by visiting the Grievance system on the Parivahan portal. You can also file the complaint offline by visiting the traffic police office in your area.

Can I appeal against a traffic police challan?

Yes, you can appeal against a traffic eChallan in India. For minor traffic violations, many states organise Lok Adalat sessions where vehicle owners can appeal to get their challans waived or fines reduced. These sessions provide an opportunity to settle pending, compoundable traffic challans without the need for lengthy court proceedings.

How to avoid an e-challan in Uttar Pradesh?

There are multiple ways to avoid e-challan in Uttar Pradesh, such as: Following the traffic rules diligently. Have a valid motor insurance before getting on the road. Keep all vehicle documents, such as a driving licence, RC, etc, handy Always check if pollution under control certificates are valid.

Can I pay the e-challan in Uttar Pradesh offline?

To pay the e-challan offline in Uttar Pradesh, you need to follow the steps mentioned below: Go to the nearest traffic police station or RTO office. Show the authorities the issued challan along with other documents, such as the driving licence, registration certificate, and all relevant documents. The official will check the challan in their database, and after that, they will ask you to make a payment. You need to pay a challan amount either in cash or online using a preferred payment method. Once the payment is made, collect the acknowledgement receipt for the challan payment.

Can I check the traffic fines for my vehicle?

Yes, you can easily check the traffic fine registered under your vehicle using the Parivahan e-challan portal. Here is how you can do it. Visit the Parivahan e-challan page. Enter the details, such as the challan number, vehicle number, or driving licence number. After logging in, all the challans will appear on the dashboard. You can easily check the challan details and also make payment online.

Can I download my traffic e-challan receipt?

To download the e-challan receipt, please follow the steps outlined below. Go to the Parivahan e-challan page. Enter vehicle number, challan and driving licence number. After logging in, click on the specified challan. If the payment is already made, click on the “Download Receipt” option.

Do I need to pay a challan if my friend is driving a car for violating the speed limit?

If your friend is driving your car and he has violated the traffic rule, then in that case you need to pay the fine to the authorities.

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