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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)

Are there any age restrictions in issuing a driving license to applicants?

Yes, there are certain age restrictions in issuing a driving license to applicants. They are as follows: For Transport Vehicles- 20 years and above. For Non-transport Vehicles-18 years and above. For Un-geared motor cycle (up to 50 cc)- 16-18 years with the written consent of parents.

How many RTOs are there in Lucknow?

Every city in India has multiple RTOs. However, Lucknow only has one RTO and one ARTO.

Can I apply for a duplicate RC at Lko RTO if the original gets lost?

Yes, you can get a duplicate RC if your original gets lost by applying online via the Parivahan portal. Upload your FIR copy, photos, DL, affidavit, pay the fee and get your duplicate RC.

Is it mandatory to have a medical certificate to get a learner’s license in Lucknow?

An applicant who is below 50 years of age and applying for a non-transport vehicle driving license is not required to submit a medical certificate. However, the applicants who are above 50 years of age must provide a medical certificate in Form 1A. Moreover, all applicants seeking a driving license for a commercial vehicle must submit a medical certificate, regardless of their age.

How to apply for a temporary RC?

The temporary RC can be issued for a period of 1 month by the Registering Authority of the city where the vehicle is bought. This allows the vehicle to be legally driven to another city, where it will receive permanent registration later.

What is the process of getting a fitness certificate or renewal of a fitness certificate for a transport vehicle?

All transport vehicles must have a valid fitness certificate to be run on the road. The vehicle owner needs to apply for the fitness certificate using Form CFRA with the required fee. The documents such as registration certificate, insurance certificate, tax card, permit and pollution under control certificate must be submitted along with the application form. Also, you must present the vehicle for inspection. The motor vehicle inspector will check the vehicle based on the following aspects: Fuel system Front spring, axle and steering Engine performance Electric system Silencer, transmission Rear springs Tyres Body, brake, chassis frame Requisite equipments Compulsory equipments Weighing of the Vehicle Cleanliness Other necessary observations or defects.

What documents are required for an address change on RC at Lucknow RTO office?

You need to submit Form 33 along with the original RC, new address proof, images and fees of the RTO.

What is the basic knowledge one should have to clear the Learner’s DL test at RTO Lucknow?

To pass a learner’s driving license test, you need to have basic knowledge of road safety awareness and traffic rules. The test is not about driving skills; it checks whether you know how to behave on the road or not.

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