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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 carry an RC while driving?

Yes. As per the Motor Vehicles Act, you must carry your vehicle’s 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.

What if I fail to renew my RC on time?

It is advisable to renew your RC before the expiry date. In case you have failed to do so, you can still apply for the renewal by paying a late fee of ₹500.

What is the maximum fine for driving without an RC?

The maximum fine for driving without an RC in Indore is ₹10,000. For the first offence, you may be fined ₹5,000. For subsequent offences, you may have to pay ₹10,000 each time.

In how many days will I receive my RC?

Generally, it takes around 15 to 30 days for your RC to be delivered to your registered address. In case you haven’t received your RC even after 60 days, you can contact the Indore RTO number.

How to get a motor insurance policy?

You can buy a motor insurance policy for your car through your car dealer or directly from the insurance company’s website.

Is motor insurance required for electric vehicles in Indore?

Yes. Motor insurance is a legal requirement, irrespective of the type of vehicle. It means that all EVs in Indore must have at least third-party insurance, just like petrol or diesel vehicles.

Whom to contact if I have a grievance?

If you have any issues or complaints related to services at the Indore RTO (MP-09), you can dial the Indore RTO contact number 0731-2363151 or write an email to rto.ind@mp.gov.in.

How many RTOs are there in Indore?

There is only one RTO in Indore with the code “MP-09”. The RTO is located at Nayta Mundla.

Can I get insurance if my vehicle registration is pending?

Yes, you can buy a motor insurance policy using a temporary registration number and later update it once a permanent registration number is issued.

Do I need to buy a new insurance policy if I’ve transferred vehicle ownership?

No. You can continue to drive the vehicle with the old insurance policy. However, make sure that it is valid. You can get in touch with your insurance company to change the policyholder’s name.

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