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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)

Do I need to pay late fees if I renew my RC after the expiry date?

Yes. There are late fees if you delay renewing your RC after its expiry date. For two-wheelers, the late fee is ₹300 per month, and for cars, it is ₹500 monthly.

Can I do ownership transfers online for RTO Ghaziabad?

Yes. You can apply online on Parivahan Sewa to start the process of ownership transfer. You can fill out the required forms, submit the necessary documents and pay a transfer fee. Additionally, you need to schedule a car inspection before the new owner gets the RC.

What is the procedure to get a driver’s license at RTO Ghaziabad?

To get a permanent driver’s license, you must first apply for a learner’s permit. The permit is valid for six months, during which you must practice your driving skills. You can apply for a driver’s license after or before the six months are about to be over.

What is the renewal fee for licenses at RTO Ghaziabad?

RTO Ghaziabad charges a fee of ₹200 for license renewal. If you initiate the process after the expiry of the grace period, the renewal fee is ₹300.

What documents do I fill out to transfer ownership of my car at the Ghaziabad RTO?

To transfer ownership of your car to another person, you must fill out Forms 29 and 30 at your nearest RTO along with a transfer fee. Thereafter, a mandatory inspection will be done on your vehicle, post which a new RC will be issued in the new owner’s name.

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