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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)

Is it mandatory to register my vehicle at the Gandhinagar RTO?

If you live in an area covered by the jurisdiction of the Gandhinagar RTO, you must get your vehicle registered here. Driving a vehicle without a valid registration plate is a punishable offence.

By when will I receive my RC after registration?

If your vehicle inspection is approved, you will receive your RC smart card within 30 to 60 days at your registered address. In case you haven’t received your RC even after 60 days, you can get in touch at the Gandhinagar RTO contact number mentioned above.

Is there a late fee for RC renewal?

Yes. If you fail to renew your RC in time, you may have to pay a late fee. This fee is ₹300 per month for two-wheelers and ₹500 per month for other non-transport vehicles.

What is the validity of a driving license?

Driving licenses for private vehicles are valid for 20 years from the date of issuance or until age 40 (whichever is earlier). It can then be renewed for the next 10 years.

Do I need to carry my RC while driving?

Yes. You must always carry your vehicle’s Registration Certificate (RC) while driving. You must produce it when a traffic sergeant asks you to do so. Inability to furnish your RC may result in a traffic fine.

Do I need to pay a fee for an RC smart card?

Yes. If you want an RC smart card, you will need to pay an additional fee of ₹200 over and above the vehicle registration fee. This will be a one-time payment.

What is the process to get a driving license in Gandhinagar?

To get a permanent driving license in Gandhinagar, you can first apply for a learner’s license with the Gandhinagar RTO. The learner’s license remains valid for 6 months from the date of issue. After one month, you can apply for a permanent driving license through a driving test.

Do I need to buy a new insurance policy if I’ve purchased a second-hand car?

No. You can drive the vehicle with the existing car insurance policy, as long as it is updated to list you as the policyholder, and not the previous owner. However, you need to make sure that the policy has not expired. You can contact the insurance company to update the policyholder’s details.

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