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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)

What is the validity of a learner's license in Kolkata?

The Learner’s License is valid for a period of 180 days. Once this period is over, you need to get it renewed. Also, you can make an application for a driver’s license after the lapse of a minimum period of 30 days from when the LL was issued.

What to do if my Registration Certificate is lost?

If your RC is lost or stolen, in such case you can apply for a duplicate RC. For that, you need to file a police complaint and then make an application for a duplicate RC at RTO Kolkata. You need to submit the required documents and pay the applicable fee.

What documents are needed to register a vehicle in RTO Kolkata?

To register a new vehicle under the Kolkata RTO, you need to provide the following documents. They are: Form 20, Form 21 and Form 22 Insurance Certificate Temporary RC if available Identity Proof of vehicle owner Address proof of vehicle owner PUC Certificate PAN Card of Vehicle Owner, Form 60 and Form 61

What is the validity of the Registration Certificate at RTO Kolkata?

The Registration Certificate is valid for a period of 15 years for two-wheelers and four-wheelers. After that, it has to be renewed every five subsequent years. For the transport vehicles, it is 2 years after which one needs to get the Fitness Certificate, and it has to be renewed every year.

What are the consequences if I fail my driving license test in Kolkata?

If you fail your DL test at RTO Kolkata, then you can give the DL test again after 7 days, provided your learning license is still valid. Otherwise, you need to get a new Learner’s License and hold it for at least 30 days before making an application for a driving license.

How to transfer vehicle ownership in Kolkata?

To transfer your vehicle ownership in Kolkata, you need to visit the Parivahan portal online or the RTO office in Kolkata. You are required to submit the necessary forms, identity proof, RC, insurance, and make a transfer fee payment.

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