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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 apply for a driving license in Delhi?

You can apply online for a driving license in Delhi. All you need to do is head to the Parivahan website, book a slot, upload documents, and visit the RTO office in Delhi for tests. The process includes a learner’s permit and a driving test.

Can I renew my RC online in Delhi?

Yes, RC renewal can be initiated online through the Parivahan portal. However, physical inspection of the vehicle at the RTO may still be required.

What is a learner’s license, and why is it required?

A learner’s license allows a person to legally learn to drive in Delhi. It is mandatory before applying for a permanent driving license. Its validity is for six months.

How long is a vehicle registration valid in Delhi?

Private vehicle registration is valid in Delhi for 15 years. After that, it must be renewed every five years, subject to vehicle fitness and pollution norms.

What documents are needed for vehicle registration in Delhi?

You need Form 20, an invoice, an insurance certificate, a pollution certificate, identity proof, address proof, and a road tax receipt to register a vehicle with the Delhi RTO. You will also need to pay the RTO charges in Delhi.

How does Delhi RTO handle traffic rule violations?

In Delhi, traffic violations are recorded digitally using cameras and challans. Fines can be checked and paid online, helping improve transparency and enforcement efficiency.

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