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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 to check vehicle owner details in Kerala?

Visit the Parivahan website or Kerala MVD portal and enter the vehicle registration number. The system will show you basic owner details like name and registration date. For complete information, you may need to visit the RTO office in person with proper identification.

What documents are required to apply for a DL in Ernakulam?

You need age proof, address proof, passport-size photos, Form 2 (learner's licence application), and a medical certificate. For a learner's licence, bring your Aadhaar card and proof of residence. After passing the learner's test, you'll need these documents again for your permanent driving licence application.

How many RTOs are in Ernakulam?

Ernakulam district has one main Regional Transport Office (RTO) and several Sub-Regional Transport Offices (SRTOs) located in different areas. The main RTO Ernakulam operates under the code KL-07 and handles all major vehicle registration and licensing work for the entire district.

Can I check RC status online in Ernakulam?

Yes, you can easily check your RC status online through the Parivahan portal or the Kerala MVD website. Just enter your vehicle registration number, and the system displays your RC details, including validity, owner name and vehicle information. This service is available 24/7 from anywhere.

What happens if I do not pay road tax in Ernakulam?

If you don't pay road tax on time, RTO Ernakulam will issue penalty notices and charge additional tax ranging from 10% to 50% depending on the delay. During checks, your car could be taken, and you won't be able to update the license or give someone else ownership until all of your dues are paid off.

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